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Kredit Vergleich 2023: Die besten Onlinekredite im Vergleich – Forbes Advisor Deutschland

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v-on:click="toggleFaq" > Krypto Lexikon </div> <div class="accordian-menu answer " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/">Was ist eine Kryptowährung?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/kryptowaehrungen-kaufen/">Kryptowährungen kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/ki-coins/">KI Coins (AI Coins)</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/krypto-etns-vergleich/">Vergleich Krypto-ETFs</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-etns/">Bitcoin-ETFs im Vergleich</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/etfs/bester-blockchain-etf/">Blockchain-ETFs im Vergleich</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/kryptowaehrung-steuer/">Steuer auf Kryptowährungen 2023: Was Du wissen musst</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/krypto-prognose-2023/">Krypto Prognose für 2023: Steigt der Bitcoin-Kurs wieder?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/kryptowaehrungs-glossar/">Kryptowährungs-Glossar der Begriffe und Akronyme</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-hot-wallet/">Was ist ein Hot Wallet?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-cold-wallet/">Was sind Cold Wallets?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/beste-hardware-wallets/">Die besten Hardware-Wallets 2023</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-iota/">Was ist Iota (MIOTA) ? Wie funktioniert es?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/top-10-kryptowaehrungen/">Die Top-10-Kryptowährungen im September 2023</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/neue-kryptos-2023/">Neue Kryptowährungen 2023: Was Du wissen solltest</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/beste-altcoins/">Die besten Altcoins 2022</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/ausverkauf-am-kryptomarkt/">Update: Ausverkauf am Kryptomarkt: Lohnt jetzt ein Einstieg?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-blockchain/">Was ist Blockchain?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-vs-etherium/">Ethereum vs Bitcoin: Ein Vergleich der beiden Coins</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/fussball-und-kryptowaehrung/">Was hat es mit Fußball und Krypto auf sich?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-defi-dezentralisierte-finanzen/">Was ist DeFi? Dezentralisierte Finanzen verstehen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/beste-mining-software/">Beste Bitcoin-Mining-Software 2022</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/kryptowaehrungen/stablecoins/">Was sind Stablecoins?</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Krypto Handel </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/krypto-boersen-vergleich/">Die beste Krypto-Börse in Deutschland: Krypto-Börsen-Vergleich</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/beste-krypto-apps-vergleich/">Beste Krypto-Apps</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/beste-online-wallets/">Die besten Online Wallets für Kryptowährungen</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Erfahrungsberichte </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/boerse-stuttgart-digital-exchange-bsdex-erfahrung/">BSDEX Erfahrung 2022: Vor- und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bison-erfahrung/">Bison Erfahrungen: Der Krypto-Broker im Test</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/binance-erfahrung/">Binance Erfahrung 2022: Vor-und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/coinbase-erfahrung/">Coinbase Erfahrung 2022: Vor- und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/crypto-com-erfahrungen/">Crypto.com Erfahrung 2022 – Vor- und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/kraken-erfahrung/">Kraken Erfahrung 2022: Vor- und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitpanda-erfahrung/">Bitpanda Erfahrung 2022: Vor- und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitvavo-erfahrungen/">Bitvavo Erfahrungen 2022 – Vorteile und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/kucoin-erfahrung/">Kucoin Erfahrungen 2023 - Vorteile und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/etoro-vs-coinbase/">Etoro versus Coinbase: Was ist besser?</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Bitcoin (BTC) </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-bitcoin/">Was ist Bitcoin (BTC) und wie funktioniert’s?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-kaufen/">Bitcoin (BTC) kaufen: So geht’s einfach in 4 Schritten</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-kaufen-mit-kreditkarte/">Bitcoin mit Kreditkarte kaufen: So geht es!</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-kaufen-mit-paypal/">Bitcoin (BTC) kaufen mit PayPal – so gehts</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-eine-bitcoin-wallet/">Was ist ein Bitcoin-Wallet?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-kaufen-bei-etoro/">Bitcoin bei Etoro kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-kurs-heute/">Bitcoin-Kurs heute</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Ethereum (ETH) </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-ethereum-und-wie-funktioniert-es/">Was ist Ethereum und wie funktioniert es?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/ethereum-kaufen/">Ethereum (ETH) kaufen: So geht’s!</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-ethereum-2/">Was ist Ethereum 2.0? Die Umstellung verstehen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/ethereum-merge/">Was ist der „Ethereum Merge“?</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Tether (USDT) </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/tether-usdt-kaufen/">Tether (USDT) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-tether-usdt/">Was ist Tether? Wie funktioniert es?</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Ripple (XRP) </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-ripple-und-xrp/">Was ist Ripple(XRP)?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/ripple-xrp-kaufen/">Wie kauft man XRP (Ripple)?</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Dogecoin (DOGE) </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-dogecoin/">Was ist Dogecoin (DOGE) und wie funktioniert’s?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/dogecoin-kaufen/">Dogecoin (DOGE) kaufen: So geht es</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Krypto Kaufratgeber </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/apecoin-kaufen/">Apecoin (APE) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/avalanche-kaufen/">Avalanche (AVAX) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-cash-kaufen/">Bitcoin Cash (BCH) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/binance-coin-kaufen/">Binance Coin (BNB) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/cardano-kaufen/">Cardano (ADA) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/chainlink-kaufen/">Chainlink (LINK) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/cosmos-kaufen/">Cosmos (ATOM) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/cronos-cro-kaufen/">Cronos (CRO) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/filecoin-kaufen/">Filecoin (FIL) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/litecoin-ltc-kaufen/">Litecoin (LTC) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/monero-kaufen-so-geht-es/">Monero (XMR) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/polkadot-dot-kaufen/">Polkadot (DOT) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/polygon-matic-kaufen/">Polygon (MATIC) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/safemoon-kaufen/">Safemoon (SFM) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/solana-sol-kaufen/">Solana (SOL) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/shiba-inu-shib-kaufen/">Shiba Inu (SHIB) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/stellar-kaufen/">Stellar Lumens (XLM) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/terra-luna-kaufen/">Terra (Luna) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/tron-trx-kaufen/">Tron (TRX) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/uniswap-uni-kaufen/">Uniswap (UNI) kaufen</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > NFTs </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/non-fungible-tokens/">NFT Bedeutung und wie man NFT kaufen kann</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/beste-nft-marktplaetze/">Die besten NFT-Marktplätze 2023</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Metaverse </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/metaverse-grundstueck-kaufen/">Wie man ein Grundstück und virtuelles Land im 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class="font-euclidcircularb-regular text-base text-white leading-28px pl-26px mb-8px md:pl-32px list-none highlight-list">Finde den besten Kredit in unserem Vergleich</li> <li class="font-euclidcircularb-regular text-base text-white leading-28px pl-26px mb-8px md:pl-32px list-none highlight-list">Vergleiche die Vor- und Nachteile der Onlinekredit-Angebote</li> <li class="font-euclidcircularb-regular text-base text-white leading-28px pl-26px mb-8px md:pl-32px list-none highlight-list">Entscheide Dich für den besten Kredit mit Hilfe unserer Onlinekredit-Redaktionsempfehlungen</li> </ul> <div class="cta-wrapper"> <a href="https://kreditvergleich.finanzcheck.de/banklist?refId=r1ODbtXbZgeM&amp;subId=Hero" class="compare-cards-cta font-merriweather max-w-100% overflow-hidden p-3 button-primary flex items-center justify-center" > Kredit vergleichen bei Finanzcheck </a> </div> <p class="meta-text font-euclidcircularb-semibold md:text-lg text-base text-white leading-tight banner-description"> Kreditrechner von Finanzcheck </p> </div> <div class="banner-image hidden md:flex"> <img src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/de/wp-content/uploads/2023/10/Finanzcheck-Hero.png" class="inline-svg" alt="Online Kredit Vergleich 2023: Die besten Onlinekredite im Vergleich"/> </div> </div> </div> </div> </section> <div class="mx-auto"> <div id="best-of-article-lander" v-pre> <div class="best-of-article" data-mktp-container='{"componentTitle":"Online Kredit Vergleich 2023: Die besten Onlinekredite im Vergleich","componentType":"Best Of Article"}'> <div class="best-of-article__container relative"> <h2 class="best-of-article__title">Online Kredit Vergleich 2023: Die besten Onlinekredite im Vergleich</h2> <div class="multiple-authors-with-badge " data-mktp-container='{"componentTitle":"Article Author 2021","componentType":"Article Author 2021"}'> <div class="author-block-v2 "> <div class="author-block-v2__img-wrap author-without-badge"> <div class="inner-img-wrap primary"> <a class="h-full" href="https://www.forbes.com/advisor/de/author/szinnecker/" title="Sara Zinnecker" target="_blank" > <span data-bg-src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/01/sara3.jpg" class="avatar inline-block bg-cover bg-no-repeat bg-center h-full w-full test lazy-load-bg" title="Sara Zinnecker"></span> </a> </div> </div> <div class="author-block-v2__content-wrap"> <div class="author-name-wrap"> <a href="https://www.forbes.com/advisor/de/author/szinnecker/" target="_blank" class="author-name" > Sara Zinnecker </a> </div> <div class="author-designation-wrap"> <span class="author-role">Redakteurin</span> </div> </div> </div> </div> <div class="article__editors-note article__editors-note-top p-2 my-3 text-xs tracking-tight w-full" > <p>Anmerkung: Forbes Advisor bekommt möglicherweise Geld von Werbepartnern, die auf dieser Seite verlinkt sind. Dies beeinflusst nicht die Inhalte und Analysen unseres Redaktionsteams. Die Redaktion arbeitet stets unabhängig.</p> </div> <div class="intro-content applyfade" v-bind:class="{active: showMobileIntroSection}" v-cloak data-mktp-container='{"componentTitle":"Intro Content","componentType":"Intro Content"}'> <div class="intro-content-inner wysiwyg-content"> <p>Innerhalb von 12 Monaten hat die europäische Zentralbank (EZB) neun Mal die <a href="https://www.forbes.com/advisor/de/geldanlage/was-ist-leitzins/">Leitzinsen erhöht</a> – mit spürbaren Folgen für Kreditnehmer. Klassische Online-Ratenkredite sind teurer geworden. Es sind solche Kredite, mit denen Du dringende Anschaffungen finanzieren kannst, für die das laufende Einkommen nicht ausreicht.</p> <p>Im Forbes-Advisor-Kreditvergleich stellen wir die 8 Ratenkredite vom August 2023 vor, die in unserer Analyse am besten abgeschnitten haben. Eine Liste aller Kriterien, die wir berücksichtigt haben, findest Du im Abschnitt zur <a href="#methodik_section" target="_blank" rel="noopener">Methodik</a> weiter unten.</p> <p>Beachte: Die empfohlenen Banken mit den besten Angeboten für Onlinekredite punkten in unterschiedlichen Bereichen. Das heißt, die Top-Angebote passen möglicherweise nicht für jeden. Auch gibt es keine Garantie, dass Du am Ende die günstigsten ausgeschriebenen Konditionen bekommst.</p> </div> <div class="mob-fade" v-on:click="toggleMobileIntroSection" > <span> {{ showMobileIntroSection ? 'Weniger anzeigen' : 'Weiterlesen' }} </span> <div class="chevron-arrow-wrapper"> <div class="chevron-arrow" v-bind:class="[showMobileIntroSection ? 'top' : 'down']"></div> </div> </div> </div> <div class="our-picks-wrapper" v-cloak data-mktp-container='{"componentTitle":"Our Picks","componentType":"Our Picks"}' > <div class="toggle-picks-section" v-bind:class="{active: showSummarySection}" v-on:click="toggleSummary" > {{ showSummarySection ? hideSummaryText : showSummaryText }} </div> <div class="our-picks answer"> <ul id="our-picks-section" class="hide"> <li> <a href="#scrollto_so_funktioniert_dein_kreditvergleich_section" class="" v-on:click="handleJumpLinks" > So funktioniert Dein Kreditvergleich </a> </li> <li> <a href="#scrollto_der_forbes_advisor_kreditvergleich_die_besten_online_ratenkredite_section" class="trigger-read-full-article" v-on:click="handleJumpLinks" > Der Forbes-Advisor-Kreditvergleich: Die besten Online-Ratenkredite </a> </li> <li> <a href="#scrollto_deutsche_bank_onlinekredit_mit_flexibler_ruckzahlung_section" class="trigger-read-full-article" v-on:click="handleJumpLinks" > Deutsche Bank: Onlinekredit mit flexibler Rückzahlung </a> </li> <li> <a href="#scrollto_targobank_onlinekredit_mit_angebot_fur_selbststandige_section" class="trigger-read-full-article" v-on:click="handleJumpLinks" > Targobank: Onlinekredit mit Angebot für Selbstständige </a> </li> <li> <a href="#scrollto_dkb_bank_section" class="trigger-read-full-article" v-on:click="handleJumpLinks" > DKB Bank </a> </li> <li> <a href="#scrollto_ing_onlinekredit_mit_angebot_fur_freiberufler_section" class="trigger-read-full-article" v-on:click="handleJumpLinks" > ING: Onlinekredit mit Angebot für Freiberufler </a> </li> <li> <a href="#scrollto_bbbank_onlinekredit_mit_gunstigem_zins_und_zweitem_kreditnehmer_section" class="trigger-read-full-article" v-on:click="handleJumpLinks" > BBBank: Onlinekredit mit günstigem Zins und zweitem Kreditnehmer </a> </li> <li> <a href="#scrollto_hypo_vereinsbank_onlinekredit_mit_gunstigem_reprasentativen_zins_section" class="trigger-read-full-article" v-on:click="handleJumpLinks" > Hypo Vereinsbank: Onlinekredit mit günstigem repräsentativen Zins </a> </li> <li> <a href="#scrollto_norisbank_onlinekredit_mit_soliden_konditionen_section" class="trigger-read-full-article" v-on:click="handleJumpLinks" > Norisbank: Onlinekredit mit soliden Konditionen </a> </li> <li> <a href="#scrollto_swk_bank_section" class="trigger-read-full-article" v-on:click="handleJumpLinks" > SWK Bank </a> </li> <li> <a href="#scrollto_was_ist_ein_ratenkredit_section" class="trigger-read-full-article" v-on:click="handleJumpLinks" > Was ist ein Ratenkredit? </a> </li> <li> <a href="#scrollto_rate_und_kosten_fur_ein_darlehen_von_10000_euro_section" class="trigger-read-full-article" v-on:click="handleJumpLinks" > Rate und Kosten für ein Darlehen von 10.000 Euro </a> </li> <li> <a href="#scrollto_wichtige_begriffe_fur_den_kreditvergleich_section" class="trigger-read-full-article" v-on:click="handleJumpLinks" > Wichtige Begriffe für den Kreditvergleich </a> </li> <li> <a href="#scrollto_wer_kann_einen_kredit_aufnehmen_section" class="trigger-read-full-article" v-on:click="handleJumpLinks" > Wer kann einen Kredit aufnehmen? </a> </li> <li> <a href="#scrollto_welche_unterlagen_brauchst_du_um_einen_kredit_abzuschliessen_section" class="trigger-read-full-article" v-on:click="handleJumpLinks" > Welche Unterlagen brauchst Du, um einen Kredit abzuschließen? </a> </li> <li> <a href="#scrollto_wie_viel_kredit_kannst_du_dir_leisten_section" class="trigger-read-full-article" v-on:click="handleJumpLinks" > Wie viel Kredit kannst Du Dir leisten? </a> </li> <li> <a href="#scrollto_wann_habe_ich_das_geld_des_kredites_auf_dem_konto_section" class="trigger-read-full-article" v-on:click="handleJumpLinks" > Wann habe ich das Geld des Kredites auf dem Konto? </a> </li> <li> <a href="#scrollto_kredit_umschulden_so_gehts_section" class="trigger-read-full-article" v-on:click="handleJumpLinks" > Kredit umschulden: So geht&#039;s </a> </li> <li> <a href="#scrollto_wann_ist_ein_kredit_eine_sinnvolle_losung_section" class="trigger-read-full-article" v-on:click="handleJumpLinks" > Wann ist ein Kredit eine sinnvolle Lösung? </a> </li> <li> <a href="#scrollto_welche_bank_gibt_kredit_trotz_negativer_schufa_section" class="trigger-read-full-article" v-on:click="handleJumpLinks" > Welche Bank gibt Kredit trotz negativer Schufa? </a> </li> <li> <a href="#scrollto_methodik_section" class="trigger-read-full-article" v-on:click="handleJumpLinks" > Methodik </a> </li> <li> <a href="#scrollto_das_forbes_advisor_ranking_fur_online_ratenkredite_section" class="trigger-read-full-article" v-on:click="handleJumpLinks" > Das Forbes-Advisor-Ranking für Online-Ratenkredite </a> </li> </ul> </div> </div> <div class="section-content-wrapper" v-bind:class="{active: showReadFullArticleContent}" v-cloak> <div id="scrollto_so_funktioniert_dein_kreditvergleich_section" class="section-content-inner-wrap section-content-0 first"> <h3 class="section-title">So funktioniert Dein Kreditvergleich</h3> <div class="section-content wysiwyg-content"> <p>Unsere Erstauswahl an Banken gibt Dir einen guten Überblick, wer gute Konditionen liefert und auch beim Kreditantrag und Service punkten kann. Dennoch raten wir, verschiedene Banken zu vergleichen, um das passende Darlehen für Dich zu finden. Dafür kannst Du zum Beispiel unseren Kreditrechner verwenden, der vom Vergleichsportal Verivox stammt.</p> <p>Vorab eingestellt sind die mittlere Kreditsumme und die Laufzeit, die aus dem Schufa-<a href="https://www.schufa.de/media/documents/risiko_und_kreditkompass/SCHUFA_Risiko-und-Kredit-Kompass-2021.pdf" target="_blank" rel="noopener">Kreditkompass 2021</a> hervorgehen. Um den Rechner optimal zu nutzen, bitten wir Dich, die Filter und Sortierung händisch einzustellen.</p> <ul> <li>Aktiviere die Kriterien: Sondertilgung und, wenn Du möchtest, kostenlose Gesamttilgung und Video-Identifikation.</li> <li>Sortiere nach dem Durchschnittszins aufsteigend. Dann werden die Angebote gemäß dem Zins angezeigt, den 2/3 der Kunden tatsächlich erhalten haben.</li> </ul> <p><iframe src="https://kreditvergleich.finanzcheck.de/banklist/embed?advertisementId=dy6A9SEngAyj&amp;entryPoint=first&amp;version=v2&amp;subId=Sofortkredit&amp;amount=5000&amp;term=60&amp;purpose=OTHER&amp;formConfig=ddf&amp;palette=%7B%22primary%22%3A%7B%22light%22%3A%22%23E8EEF5%22%2C%22main%22%3A%22%23165297%22%2C%22dark%22%3A%22%23124279%22%2C%22contrastText%22%3A%22%23fff%22%7D%2C%22secondary%22%3A%7B%22light%22%3A%22%23FCE9CD%22%2C%22main%22%3A%22%23F09103%22%2C%22dark%22%3A%22%23C07402%22%2C%22contrastText%22%3A%22rgba%280%2C+0%2C+0%2C+0.87%29%22%7D%7D&amp;context=affiliate" name="imod_banklist_widget" scrolling="yes" style="border: none; position: relative; width: 100%; overflow: hidden; min-height: 700px;"></iframe></p> <p><em>*Transparenz: Der Vergleichsrechner enthält „Werbe-Links” (Affiliate-Links), bei Vertragsabschluss können wir eine Provision erhalten. Mehr dazu, wie wir uns finanzieren, <a href="https://www.forbes.com/advisor/de/wie-wir-geld-verdienen/" target="_blank" rel="noopener">liest Du hier</a>. Der Rechner enthält ggf. nicht alle Anbieter. </em></p> </div> </div> <div id="scrollto_der_forbes_advisor_kreditvergleich_die_besten_online_ratenkredite_section" class="section-content-inner-wrap section-content-1 "> <h3 class="section-title">Der Forbes-Advisor-Kreditvergleich: Die besten Online-Ratenkredite</h3> <div class="section-content wysiwyg-content"> <ul> <li><strong><a href="#scrollto_deutsche_bank_onlinekredit_mit_flexibler_ruckzahlung_section">Deutsche Bank</a></strong></li> <li><strong><a href="#scrollto_targobank_onlinekredit_mit_angebot_fur_selbststandige_section">Targobank</a></strong></li> <li><strong><a href="#scrollto_dkb_bank_section">DKB</a></strong></li> <li><strong><a href="#scrollto_ing_onlinekredit_mit_angebot_fur_freiberufler_section">ING</a></strong></li> <li><strong><a href="#scrollto_bbbank_onlinekredit_mit_gunstigem_zins_und_zweitem_kreditnehmer_section">BBBank</a></strong></li> <li><strong><a href="#scrollto_hypo_vereinsbank_onlinekredit_mit_gunstigem_reprasentativen_zins_section">Hypo Vereinsbank</a></strong></li> <li><strong><a href="#scrollto_norisbank_onlinekredit_mit_soliden_konditionen_section">Norisbank</a></strong></li> <li><strong><a href="#scrollto_swk_bank_section">SWK Bank</a></strong></li> </ul> </div> </div> <div id="scrollto_deutsche_bank_onlinekredit_mit_flexibler_ruckzahlung_section" class="section-content-inner-wrap section-content-2 "> <div class="section-content wysiwyg-content"> <section id="genericProductWidgetWrapper" class="generic-widget-wrapper font-euclidcircularb-regular mb-4 " data-generic-widget="root" data-mktp-container='{"componentTitle":"Deutsche Bank","componentType":"Generic Product Widget"}'> <div class="exclude-eds cc-wrapper " data-mktp-product='{"itemId":"86914","itemName":"Deutsche Bank","itemBrand":"","itemCategory":"","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","starRatings":4.4,"initialCost":0,"subscriptionCost":0}'> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner"> <div class="card-top-wrap"> <div class="left"> <h3 class="card-title">Deutsche Bank</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=22" rel="nofollow" data-product-name="Deutsche Bank" data-cta-info="Kredit beantragen" data-vendor="deutsche-bank" data-product-id="86914" data-product="Kreditvergleich 2023: Die besten Onlinekredite im Vergleich Hybrid Lander" data-cta-url="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=22" data-partner-offer="no" data-product-rating="4.4" data-product-badge="" data-component="Generic Product Widget" data-product-position="1" data-cta-position="Image Link" target="_blank" data-widget-type="Generic Product Widget" ><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/125x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/03/Deutsche-Bank-scaled.jpg" loading="lazy" loading="lazy" class="card-image " alt="Deutsche Bank"/></a></div> <div id="forbes-rating-vue-root" class=" card-rating has-tooltip " v-on:mouseenter="handleMouseEnter('674f8d65099bb')" v-on:click="toggleRatingTooltip('674f8d65099bb')" v-on:mouseleave="ratingTooltipId = ''" data-component="forbes-rating" > <div class="full-wrap flex items-center mx-auto my-0"> <div class="left-wrap"> <div class="rating-value"> 4.4</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 90%;"></span></div> <div class="rating-logo"> <img decoding="async" src="https://www.forbes.com/advisor/de/wp-content/themes/fadvuk/assets/images/fb-rating-logo-2021.svg" loading="lazy" loading="lazy" width="85" height="12" alt="Forbes Advisor" class=""/> <span class="icon-tooltip icon-info"></span></div> </div> </div> <div class="card-rating-tooltip" id="star-rating" v-bind:class="[ratingTooltipId == '674f8d65099bb' ? 'show' : '']">Unsere Bewertung basiert auf den Konditionen und anderen Eigenschaften des Produkts, wie in der Methodik erklärt ist. Kriterien und Gewichtung legt allein die Redaktion fest.</div> </div> <div class="facts-wrapper"> <div class="facts "> <h4 class="fact"> Repräsentativer Zins (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">9,54%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Zinsspanne (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">2,75% – 11,74%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Kosten bei vorzeitigen Rückzahlung?</h4> <div class="fact-value-wrapper"> <p class="fact-value">Keine</p> <p class="fact-value-light"> </div> </div> </div> </div> <div class="representative-example-desktop"></div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=22" rel="nofollow" data-product-name="Deutsche Bank" data-cta-info="Kredit beantragen" data-vendor="deutsche-bank" data-product-id="86914" data-product="Kreditvergleich 2023: Die besten Onlinekredite im Vergleich Hybrid Lander" data-cta-url="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=22" data-partner-offer="no" data-product-rating="4.4" data-product-badge="" data-component="Generic Product Widget" data-product-position="1" target="_blank" data-cta-position="Image Link" data-widget-type="Generic Product Widget" ><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/125x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/03/Deutsche-Bank-scaled.jpg" loading="lazy" loading="lazy" class="card-image " alt="Deutsche Bank"/></a></div> <div class="btn-wrap"><a class="apply-now c-button" href="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=22" rel="nofollow" data-product-name="Deutsche Bank" data-cta-info="Kredit beantragen" data-vendor="deutsche-bank" data-product-id="86914" data-product="Kreditvergleich 2023: Die besten Onlinekredite im Vergleich Hybrid Lander" data-cta-url="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=22" data-partner-offer="no" data-product-rating="4.4" data-product-badge="" data-component="Generic Product Widget" data-product-position="1" data-widget-type="Generic Product Widget" data-cta-position="Button Link" ><span> Kredit beantragen</span><img decoding="async" src="https://www.forbes.com/advisor/de/wp-content/themes/fadvuk/assets/images/right-arrow.svg" loading="lazy" loading="lazy" alt="" class=""/></a></p> <div class="secure-site-txt"> Kredit bei Finanzcheck beantragen</div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <h4 class="fact"> Repräsentativer Zins (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">9,54%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Zinsspanne (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">2,75% – 11,74%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Kosten bei vorzeitigen Rückzahlung?</h4> <div class="fact-value-wrapper"> <p class="fact-value">Keine</p> <p class="fact-value-light"> </div> </div> </div> </div> <div class="representative-example-mobile"></div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab-wrapper"> <div class="accordion-tab" v-on:click="toggleFaq" > Vorteile &amp; Nachteile</div> <div class="c-tab--content list-points answer"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li><span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;- Keine Gebühr bei vorzeitiger Rückzahlung\n- Kundenhotline 24/7 erreichbar\n- Gemeinsamer Kreditantrag möglich\n- In hohem Maße digitaler Antragsprozess&quot;}" data-sheets-userformat="{&quot;2&quot;:13249,&quot;3&quot;:{&quot;1&quot;:0},&quot;9&quot;:0,&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:11}">Keine Gebühr bei vorzeitiger Rückzahlung</span></li> <li><span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;- Keine Gebühr bei vorzeitiger Rückzahlung\n- Kundenhotline 24/7 erreichbar\n- Gemeinsamer Kreditantrag möglich\n- In hohem Maße digitaler Antragsprozess&quot;}" data-sheets-userformat="{&quot;2&quot;:13249,&quot;3&quot;:{&quot;1&quot;:0},&quot;9&quot;:0,&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:11}">Kundenhotline 24/7 erreichbar</span></li> <li><span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;- Keine Gebühr bei vorzeitiger Rückzahlung\n- Kundenhotline 24/7 erreichbar\n- Gemeinsamer Kreditantrag möglich\n- In hohem Maße digitaler Antragsprozess&quot;}" data-sheets-userformat="{&quot;2&quot;:13249,&quot;3&quot;:{&quot;1&quot;:0},&quot;9&quot;:0,&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:11}">Gemeinsamer Kreditantrag möglich</span></li> <li><span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;- Keine Gebühr bei vorzeitiger Rückzahlung\n- Kundenhotline 24/7 erreichbar\n- Gemeinsamer Kreditantrag möglich\n- In hohem Maße digitaler Antragsprozess&quot;}" data-sheets-userformat="{&quot;2&quot;:13249,&quot;3&quot;:{&quot;1&quot;:0},&quot;9&quot;:0,&quot;10&quot;:0,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:11}">In hohem Maße digitaler Antragsprozess</span></li> </ul> </div> <div class="list-points cons"> <ul> <li>Vergleichsweise hoher Zweidrittelzins</li> </ul> </div> </div> </div> </div> </div> </div> </div> </div> </section> <h4>Warum wir den Ratenkredit der Deutschen Bank ausgewählt haben</h4> <p>Konditionen: Den Online-„Privatkredit“ der Deutschen Bank gibt es ab 1.000 Euro und bis maximal 80.000 Euro. Der Zins, den Du bekommst, hängt von Deiner Kreditwürdigkeit ab. Dafür fragt die Bank bei der Schufa an.</p> <p>Mit 9,54 Prozent hat der Zins, den zwei Drittel der Kunden im Neugeschäft für ein typisches Online-Darlehen (12.000 Euro über fünf Jahre) erhalten, angezogen und liegt damit über dem Durchschnitt unserer Untersuchung.</p> <p>Du kannst den Kredit aber zusammen mit einer zweiten Person beantragen. So bekommst Du das Darlehen vielleicht etwas günstiger. Die beiden Kreditnehmer müssen dabei in keinem besonderen Verhältnis stehen; also nicht etwa verheiratet sein oder im selben Haushalt leben.</p> <p>Rückzahlung: Die Deutsche Bank verzichtet auf eine Vorfälligkeitsentschädigung, falls Du die Kreditsumme vollständig oder teilweise vorzeitig zurückzahlen willst. Bei Zahlungsschwierigkeiten kannst Du Raten reduzieren, stunden oder den <a href="https://www.forbes.com/advisor/de/deine-finanzen/raus-aus-dem-teuren-ratenkredit-so-funktioniert-umschulden/" target="_blank" rel="noopener">Kredit umschulden </a>. Die Bank bietet Dir damit viel Flexibilität, ohne dass Du ein Konto eröffnen musst.</p> <p>Antrag: Füllst Du den Kreditantrag online aus, bekommst Du in der Regel sofort eine Erstentscheidung, ob Dein Kreditantrag erfolgreich ist. Gut finden wir, dass Du Gehaltsnachweise und ggf. weitere Unterlagen nicht mehr per Post schicken oder in der Filiale vorbeibringen musst. Du kannst alles digital einreichen. Bei Fragen steht Dir der Kundenservice 24 Stunden an sieben Tagen zur Verfügung.</p> </div> </div> <div id="scrollto_targobank_onlinekredit_mit_angebot_fur_selbststandige_section" class="section-content-inner-wrap section-content-3 "> <div class="section-content wysiwyg-content"> <section id="genericProductWidgetWrapper" class="generic-widget-wrapper font-euclidcircularb-regular mb-4 " data-generic-widget="root" data-mktp-container='{"componentTitle":"Targobank","componentType":"Generic Product Widget"}'> <div class="exclude-eds cc-wrapper " data-mktp-product='{"itemId":"86937","itemName":"Targobank","itemBrand":"","itemCategory":"","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","starRatings":4.3,"initialCost":0,"subscriptionCost":0}'> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner"> <div class="card-top-wrap"> <div class="left"> <h3 class="card-title">Targobank</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=29" rel="nofollow" data-product-name="Targobank" data-cta-info="Kredit beantragen" data-vendor="targobank" data-product-id="86937" data-product="Kreditvergleich 2023: Die besten Onlinekredite im Vergleich Hybrid Lander" data-cta-url="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=29" data-partner-offer="no" data-product-rating="4.3" data-product-badge="" data-component="Generic Product Widget" data-product-position="2" data-cta-position="Image Link" target="_blank" data-widget-type="Generic Product Widget" ><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/125x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/03/Targobank.jpeg" loading="lazy" loading="lazy" class="card-image " alt="Targobank"/></a></div> <div id="forbes-rating-vue-root" class=" card-rating has-tooltip " v-on:mouseenter="handleMouseEnter('674f8d650f60a')" v-on:click="toggleRatingTooltip('674f8d650f60a')" v-on:mouseleave="ratingTooltipId = ''" data-component="forbes-rating" > <div class="full-wrap flex items-center mx-auto my-0"> <div class="left-wrap"> <div class="rating-value"> 4.3</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 90%;"></span></div> <div class="rating-logo"> <img decoding="async" src="https://www.forbes.com/advisor/de/wp-content/themes/fadvuk/assets/images/fb-rating-logo-2021.svg" loading="lazy" loading="lazy" width="85" height="12" alt="Forbes Advisor" class=""/> <span class="icon-tooltip icon-info"></span></div> </div> </div> <div class="card-rating-tooltip" id="star-rating" v-bind:class="[ratingTooltipId == '674f8d650f60a' ? 'show' : '']">Unsere Bewertung basiert auf den Konditionen und anderen Eigenschaften des Produkts, wie in der Methodik erklärt ist. Kriterien und Gewichtung legt allein die Redaktion fest.</div> </div> <div class="facts-wrapper"> <div class="facts "> <h4 class="fact"> Repräsentativer Zins (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">6,95%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Zinsspanne (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">2,29% – 10,99%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Kosten bei vorzeitigen Rückzahlung?</h4> <div class="fact-value-wrapper"> <p class="fact-value">Ja, wenn Du mehr als 50% der Restschuld tilgst</p> <p class="fact-value-light"> </div> </div> </div> </div> <div class="representative-example-desktop"></div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=29" rel="nofollow" data-product-name="Targobank" data-cta-info="Kredit beantragen" data-vendor="targobank" data-product-id="86937" data-product="Kreditvergleich 2023: Die besten Onlinekredite im Vergleich Hybrid Lander" data-cta-url="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=29" data-partner-offer="no" data-product-rating="4.3" data-product-badge="" data-component="Generic Product Widget" data-product-position="2" target="_blank" data-cta-position="Image Link" data-widget-type="Generic Product Widget" ><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/125x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/03/Targobank.jpeg" loading="lazy" loading="lazy" class="card-image " alt="Targobank"/></a></div> <div class="btn-wrap"><a class="apply-now c-button" href="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=29" rel="nofollow" data-product-name="Targobank" data-cta-info="Kredit beantragen" data-vendor="targobank" data-product-id="86937" data-product="Kreditvergleich 2023: Die besten Onlinekredite im Vergleich Hybrid Lander" data-cta-url="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=29" data-partner-offer="no" data-product-rating="4.3" data-product-badge="" data-component="Generic Product Widget" data-product-position="2" data-widget-type="Generic Product Widget" data-cta-position="Button Link" ><span> Kredit beantragen</span><img decoding="async" src="https://www.forbes.com/advisor/de/wp-content/themes/fadvuk/assets/images/right-arrow.svg" loading="lazy" loading="lazy" alt="" class=""/></a></p> <div class="secure-site-txt"> Kredit bei Finanzcheck beantragen</div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <h4 class="fact"> Repräsentativer Zins (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">6,95%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Zinsspanne (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">2,29% – 10,99%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Kosten bei vorzeitigen Rückzahlung?</h4> <div class="fact-value-wrapper"> <p class="fact-value">Ja, wenn Du mehr als 50% der Restschuld tilgst</p> <p class="fact-value-light"> </div> </div> </div> </div> <div class="representative-example-mobile"></div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab-wrapper"> <div class="accordion-tab" v-on:click="toggleFaq" > Vorteile &amp; Nachteile</div> <div class="c-tab--content list-points answer"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Kreditprüfung für Selbstständige</li> <li>Kundenhotline 24/7 erreichbar</li> <li>Gemeinsamer Kreditantrag möglich</li> <li>In hohem Maße digitaler Antragsprozess</li> </ul> </div> <div class="list-points cons"> <ul> <li><span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Gebühr bei vorzeitiger Rückzahlung&quot;}" data-sheets-userformat="{&quot;2&quot;:913,&quot;3&quot;:{&quot;1&quot;:0},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:{&quot;1&quot;:2,&quot;2&quot;:0}},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;10&quot;:1,&quot;11&quot;:4,&quot;12&quot;:0}">Gebühr bei vorzeitiger Rückzahlung</span></li> </ul> </div> </div> </div> </div> </div> </div> </div> </div> </section> <h4>Warum wir den Ratenkredit der Targobank ausgewählt haben</h4> <p>Konditionen: Den „Wie-für-mich-gemacht-Kredit” der Targobank gibt es ab Beträgen von 1.500 Euro. Mit 6,95 statt 5,75 Prozent hat der Zins, den zwei Drittel der Kunden für ein typisches Darlehen (12.000 Euro, fünf Jahre Laufzeit) erhalten, wie in der gesamten Kreditbranche in den vergangenen 6 Monaten angezogen. Im Feld der von uns untersuchten Banken liegt der Zins allerdings unter dem Durchschnitt.</p> <p>Die Kreditzinsen variieren nach Kreditwürdigkeit. Du hast die Möglichkeit, den Kredit zusammen mit einer zweiten Person zu beantragen. In dem Fall erhältst Du das Darlehen vielleicht etwas günstiger. Dabei müssen die beiden Kreditnehmer in keinem besonderen Verhältnis stehen; also nicht etwa verheiratet sein oder im selben Haushalt leben.</p> <p>Rückzahlung und Antrag: Die Targobank verlangt eine sogenannte Vorfälligkeitsentschädigung, falls Du die gesamte Kreditsumme vorzeitig zurückzahlen willst. Diese Gebühr ist allerdings gedeckelt und darf nicht mehr als 1 Prozent der Restschuld ausmachen. Tilgst Du außer der Reihe und nicht mehr als 50 Prozent der Restschuld, verzichtet die Bank auf die Gebühr.</p> <p>Wenn Du eine Rate einmal nicht aufbringen kannst, bietet die Bank individuelle Unterstützung an. Der Kreditantrag ist nahezu vollständig digitalisiert, den Vertrag kannst Du elektronisch unterschreiben. Deine Gehaltsabrechnungen kannst Du über eine Schnittstelle hochladen. Innerhalb eines Tages entscheidet die Bank, ob sie das Darlehen gewährt.</p> <p>Besonderheiten: Anders als der Großteil der Konkurrenz prüft die Targobank Kreditanträge auch von Selbstständigen. Du benötigst für den Kredit kein Konto bei der Targobank und kannst Raten auch per Dauerauftrag überweisen.</p> </div> </div> <div id="scrollto_dkb_bank_section" class="section-content-inner-wrap section-content-4 "> <div class="section-content wysiwyg-content"> <section id="genericProductWidgetWrapper" class="generic-widget-wrapper font-euclidcircularb-regular mb-4 " data-generic-widget="root" data-mktp-container='{"componentTitle":"DKB Bank","componentType":"Generic Product Widget"}'> <div class="exclude-eds cc-wrapper " data-mktp-product='{"itemId":"86940","itemName":"DKB Bank","itemBrand":"","itemCategory":"","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","starRatings":4.2,"initialCost":0,"subscriptionCost":0}'> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner"> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Online-Kredit mit Rabatt für Aktivkunden</h2> <h3 class="card-title">DKB Bank</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=33" rel="nofollow" data-product-name="DKB Bank" data-cta-info="Kredit beantragen" data-vendor="dkb-bank" data-product-id="86940" data-product="Kreditvergleich 2023: Die besten Onlinekredite im Vergleich Hybrid Lander" data-cta-url="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=33" data-partner-offer="no" data-product-rating="4.2" data-product-badge="Online-Kredit mit Rabatt für Aktivkunden" data-component="Generic Product Widget" data-product-position="3" data-cta-position="Image Link" target="_blank" data-widget-type="Generic Product Widget" ><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/125x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/03/1200px-Deutsche_Kreditbank_AG_Logo_2016.svg.png" loading="lazy" loading="lazy" class="card-image " alt="DKB Bank"/></a></div> <div id="forbes-rating-vue-root" class=" card-rating has-tooltip " v-on:mouseenter="handleMouseEnter('674f8d65136a1')" v-on:click="toggleRatingTooltip('674f8d65136a1')" v-on:mouseleave="ratingTooltipId = ''" data-component="forbes-rating" > <div class="full-wrap flex items-center mx-auto my-0"> <div class="left-wrap"> <div class="rating-value"> 4.2</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 80%;"></span></div> <div class="rating-logo"> <img decoding="async" src="https://www.forbes.com/advisor/de/wp-content/themes/fadvuk/assets/images/fb-rating-logo-2021.svg" loading="lazy" loading="lazy" width="85" height="12" alt="Forbes Advisor" class=""/> <span class="icon-tooltip icon-info"></span></div> </div> </div> <div class="card-rating-tooltip" id="star-rating" v-bind:class="[ratingTooltipId == '674f8d65136a1' ? 'show' : '']">Unsere Bewertung basiert auf den Konditionen und anderen Eigenschaften des Produkts, wie in der Methodik erklärt ist. Kriterien und Gewichtung legt allein die Redaktion fest.</div> </div> <div class="facts-wrapper"> <div class="facts "> <h4 class="fact"> Repräsentativer Zins (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">6,95%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Zinsspanne (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">6,95% – 7,29%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Kosten einer vorzeitigen Rückzahlung</h4> <div class="fact-value-wrapper"> <p class="fact-value">Keine</p> <p class="fact-value-light"> </div> </div> </div> </div> <div class="representative-example-desktop"></div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=33" rel="nofollow" data-product-name="DKB Bank" data-cta-info="Kredit beantragen" data-vendor="dkb-bank" data-product-id="86940" data-product="Kreditvergleich 2023: Die besten Onlinekredite im Vergleich Hybrid Lander" data-cta-url="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=33" data-partner-offer="no" data-product-rating="4.2" data-product-badge="Online-Kredit mit Rabatt für Aktivkunden" data-component="Generic Product Widget" data-product-position="3" target="_blank" data-cta-position="Image Link" data-widget-type="Generic Product Widget" ><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/125x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/03/1200px-Deutsche_Kreditbank_AG_Logo_2016.svg.png" loading="lazy" loading="lazy" class="card-image " alt="DKB Bank"/></a></div> <div class="btn-wrap"><a class="apply-now c-button" href="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=33" rel="nofollow" data-product-name="DKB Bank" data-cta-info="Kredit beantragen" data-vendor="dkb-bank" data-product-id="86940" data-product="Kreditvergleich 2023: Die besten Onlinekredite im Vergleich Hybrid Lander" data-cta-url="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=33" data-partner-offer="no" data-product-rating="4.2" data-product-badge="Online-Kredit mit Rabatt für Aktivkunden" data-component="Generic Product Widget" data-product-position="3" data-widget-type="Generic Product Widget" data-cta-position="Button Link" ><span> Kredit beantragen</span><img decoding="async" src="https://www.forbes.com/advisor/de/wp-content/themes/fadvuk/assets/images/right-arrow.svg" loading="lazy" loading="lazy" alt="" class=""/></a></p> <div class="secure-site-txt"> Kredit bei Finanzcheck beantragen</div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <h4 class="fact"> Repräsentativer Zins (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">6,95%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Zinsspanne (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">6,95% – 7,29%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Kosten einer vorzeitigen Rückzahlung</h4> <div class="fact-value-wrapper"> <p class="fact-value">Keine</p> <p class="fact-value-light"> </div> </div> </div> </div> <div class="representative-example-mobile"></div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab-wrapper"> <div class="accordion-tab" v-on:click="toggleFaq" > Vorteile &amp; Nachteile</div> <div class="c-tab--content list-points answer"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Zins nur abhängig von der Laufzeit</li> <li>Keine Gebühr bei vorzeitiger Rückzahlung</li> <li>Gemeinsamer Kreditantrag möglich</li> <li>In hohem Maße digitaler Antragsprozess</li> </ul> </div> <div class="list-points cons"> <ul> <li>Kein Kredit für Antragsteller mit niedriger Bonität</li> <li>Kundenhotline nur montags bis freitags erreichbar</li> </ul> </div> </div> </div> </div> </div> </div> </div> </div> </section> <h4>Warum wir den Ratenkredit der DKB ausgewählt haben</h4> <p>Konditionen<strong>:</strong> Beim „Privatdarlehen“ der DKB gibt es einen festen Zins für alle Antragsteller mit ausreichend hoher Bonität. Im Unterschied zu vielen anderen Instituten macht die Direktbank Deinen Darlehenszins also nicht an Deiner konkreten Kreditwürdigkeit fest.</p> <p>Hast Du also ein regelmäßiges Einkommen und zahlst Deine Rechnungen pünktlich, stehen die Chancen ganz gut, dass Du den Kredit auch bekommst. Deine Bonität fragt die DKB bei der Schufa und Infoscore ab.</p> <p>Mit 6,95 Prozent effektivem Zins pro Jahr sind die Konditionen für den repräsentativen Kredit (12.000 Euro, fünf Jahre) bei der DKB im Vergleich zum Februar nur leicht gestiegen.</p> <p>Allerdings <strong>kosten Darlehen mit kürzerer Laufzeit derzeit mehr:</strong> Bis 48 Monate verlangt die DKB 7,29 Prozent Zinsen, zwischen 60 und 120 Monaten zahlen Kunden 6,95 Prozent pro Jahr.</p> <p>Einen Online-Kredit kannst Du ab 2.500 Euro aufnehmen.</p> <p>Bei der DKB kannst Du die Rückzahlung auf bis zu zehn Jahre strecken. Das kann bei höheren Beträgen sinnvoll sein, damit Du Dich bei den Raten nicht übernimmst.</p> <p>Du kannst einen gemeinsamen Kreditantrag stellen, sollte Deine Bonität allein nicht ausreichen. Dein „Kreditpartner“ muss dabei in keinem besonderen Verhältnis zu Dir stehen, also nicht etwa Dein Ehepartner oder ein Verwandter sein.</p> <p>Rückzahlung: Solltest Du Dein Darlehen frühzeitig teilweise oder ganz zurückzahlen, verlangt die DKB keine Vorfälligkeitsentschädigung. Wenn Du eine Rate umgekehrt einmal nicht aufbringen kannst, bietet die Bank individuelle Beratung an.</p> <p>Antrag: Der Antragsprozess bei der DKB ist voll digital. Du kannst den Kreditvertrag elektronisch signieren und das System prüft Deinen Kreditantrag unmittelbar, sofern Du der DKB erlaubst, Dein Girokonto einzusehen.</p> <p>Besonderheiten: Bist Du bereits DKB-Kunde und gehen im Monat regelmäßig 700 Euro ein („Aktivkunde“), bekommst Du je nach Laufzeit bis zu 0.45 Prozentpunkte Rabatt auf den Darlehenszins.</p> </div> </div> <div id="scrollto_ing_onlinekredit_mit_angebot_fur_freiberufler_section" class="section-content-inner-wrap section-content-5 "> <div class="section-content wysiwyg-content"> <section id="genericProductWidgetWrapper" class="generic-widget-wrapper font-euclidcircularb-regular mb-4 " data-generic-widget="root" data-mktp-container='{"componentTitle":"ING","componentType":"Generic Product Widget"}'> <div class="exclude-eds cc-wrapper " data-mktp-product='{"itemId":"86949","itemName":"ING","itemBrand":"","itemCategory":"","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","starRatings":4.1,"initialCost":0,"subscriptionCost":0}'> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner"> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Online-Kredit mit Angebot für Freiberufler</h2> <h3 class="card-title">ING</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=49" rel="nofollow" data-product-name="ING" data-cta-info="Kredit beantragen" data-vendor="ing" data-product-id="86949" data-product="Kreditvergleich 2023: Die besten Onlinekredite im Vergleich Hybrid Lander" data-cta-url="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=49" data-partner-offer="no" data-product-rating="4.1" data-product-badge="Online-Kredit mit Angebot für Freiberufler" data-component="Generic Product Widget" data-product-position="4" data-cta-position="Image Link" target="_blank" data-widget-type="Generic Product Widget" ><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/125x/https://www.forbes.com/advisor/de/wp-content/uploads/2023/04/ING_Group_N.V._Logo.svg.png" loading="lazy" loading="lazy" class="card-image " alt="ING"/></a></div> <div id="forbes-rating-vue-root" class=" card-rating has-tooltip " v-on:mouseenter="handleMouseEnter('674f8d65177dc')" v-on:click="toggleRatingTooltip('674f8d65177dc')" v-on:mouseleave="ratingTooltipId = ''" data-component="forbes-rating" > <div class="full-wrap flex items-center mx-auto my-0"> <div class="left-wrap"> <div class="rating-value"> 4.1</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 80%;"></span></div> <div class="rating-logo"> <img decoding="async" src="https://www.forbes.com/advisor/de/wp-content/themes/fadvuk/assets/images/fb-rating-logo-2021.svg" loading="lazy" loading="lazy" width="85" height="12" alt="Forbes Advisor" class=""/> <span class="icon-tooltip icon-info"></span></div> </div> </div> <div class="card-rating-tooltip" id="star-rating" v-bind:class="[ratingTooltipId == '674f8d65177dc' ? 'show' : '']">Unsere Bewertung basiert auf den Konditionen und anderen Eigenschaften des Produkts, wie in der Methodik erklärt ist. Kriterien und Gewichtung legt allein die Redaktion fest.</div> </div> <div class="facts-wrapper"> <div class="facts "> <h4 class="fact"> Repräsentativer Zins (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">7,09%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Zinsspanne (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">3,79% – 9,89%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Kosten einer vorzeitigen Rückzahlung</h4> <div class="fact-value-wrapper"> <p class="fact-value">Keine</p> <p class="fact-value-light"> </div> </div> </div> </div> <div class="representative-example-desktop"></div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=49" rel="nofollow" data-product-name="ING" data-cta-info="Kredit beantragen" data-vendor="ing" data-product-id="86949" data-product="Kreditvergleich 2023: Die besten Onlinekredite im Vergleich Hybrid Lander" data-cta-url="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=49" data-partner-offer="no" data-product-rating="4.1" data-product-badge="Online-Kredit mit Angebot für Freiberufler" data-component="Generic Product Widget" data-product-position="4" target="_blank" data-cta-position="Image Link" data-widget-type="Generic Product Widget" ><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/125x/https://www.forbes.com/advisor/de/wp-content/uploads/2023/04/ING_Group_N.V._Logo.svg.png" loading="lazy" loading="lazy" class="card-image " alt="ING"/></a></div> <div class="btn-wrap"><a class="apply-now c-button" href="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=49" rel="nofollow" data-product-name="ING" data-cta-info="Kredit beantragen" data-vendor="ing" data-product-id="86949" data-product="Kreditvergleich 2023: Die besten Onlinekredite im Vergleich Hybrid Lander" data-cta-url="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=49" data-partner-offer="no" data-product-rating="4.1" data-product-badge="Online-Kredit mit Angebot für Freiberufler" data-component="Generic Product Widget" data-product-position="4" data-widget-type="Generic Product Widget" data-cta-position="Button Link" ><span> Kredit beantragen</span><img decoding="async" src="https://www.forbes.com/advisor/de/wp-content/themes/fadvuk/assets/images/right-arrow.svg" loading="lazy" loading="lazy" alt="" class=""/></a></p> <div class="secure-site-txt"> Kredit bei Finanzcheck beantragen</div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <h4 class="fact"> Repräsentativer Zins (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">7,09%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Zinsspanne (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">3,79% – 9,89%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Kosten einer vorzeitigen Rückzahlung</h4> <div class="fact-value-wrapper"> <p class="fact-value">Keine</p> <p class="fact-value-light"> </div> </div> </div> </div> <div class="representative-example-mobile"></div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab-wrapper"> <div class="accordion-tab" v-on:click="toggleFaq" > Vorteile &amp; Nachteile</div> <div class="c-tab--content list-points answer"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Keine Gebühr bei vorzeitiger Rückzahlung</li> <li>Kreditprüfung für Freiberufler</li> <li>Kundenhotline 24/7 erreichbar</li> <li>In hohem Maße digitaler Antragsprozess</li> <li>Gemeinsamer Kreditantrag möglich</li> </ul> </div> <div class="list-points cons"> <ul> <li>Kredit erst ab 5.000 Euro</li> </ul> </div> </div> </div> </div> </div> </div> </div> </div> </section> <h4>Warum wir den Ratenkredit von ING ausgewählt haben</h4> <p>Konditionen: Bei Deutschlands kundenstärkster Direktbank ING hing der Zins für den Online-Kredit lange Zeit von der Darlehenshöhe ab. Aktuell berücksichtigt die Bank aber „unterschiedliche Faktoren“, also möglicherweise auch Laufzeit und Bonität der Kunden. Dementsprechend breiter ist jetzt die Zinsspanne, zu der Kredite angeboten werden. Sie reicht von 3,79 bis 9,89 Prozent.</p> <p>Der repräsentative Zins liegt mit 7,09 Prozent pro Jahr in etwa so hoch wie im Durchschnitt unserer Untersuchung.</p> <p>Deine Kreditwürdigkeit prüft die Bank, indem sie Deine Daten bei mehreren Auskunfteien abfragt, darunter Schufa, Crif Bürgel und Infoscore. Sollte Deine Bonität nicht ausreichen, lässt sich auch ein gemeinsamer Kreditantrag stellen, der dann möglicherweise die Bonitätshürde nimmt. Dabei muss der Kompagnon in keinem besonderen Verhältnis (Ehepartner, Verwandter) stehen.</p> <p>Rückzahlung: Solltest Du Dein Darlehen frühzeitig teilweise oder ganz zurückzahlen, geht das kostenlos: Die ING verlangt keine Vorfälligkeitsentschädigung. Wenn Du eine Rate umgekehrt einmal nicht aufbringen kannst, kannst Du Zahlungen kostenlos aussetzen.</p> <p>Antrag: Der Kreditantrag bei der ING läuft voll digital ab. Du kannst den Kreditvertrag elektronisch signieren. Die Kreditentscheidung passiert automatisch, sofern Du der Bank erlaubst, Dein Girokonto einzusehen. Die ING entscheidet dann innerhalb von 15 Minuten, ob Dein Antrag durchgeht.</p> <p>Besonderheiten: Bist Du Freiberufler und hast kein Gewerbe angemeldet, prüft die Bank Deinen Kreditantrag.</p> </div> </div> <div id="scrollto_bbbank_onlinekredit_mit_gunstigem_zins_und_zweitem_kreditnehmer_section" class="section-content-inner-wrap section-content-6 "> <div class="section-content wysiwyg-content"> <section id="genericProductWidgetWrapper" class="generic-widget-wrapper font-euclidcircularb-regular mb-4 " data-generic-widget="root" data-mktp-container='{"componentTitle":"BBBank","componentType":"Generic Product Widget"}'> <div class="exclude-eds cc-wrapper " data-mktp-product='{"itemId":"86955","itemName":"BBBank","itemBrand":"","itemCategory":"","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","starRatings":4,"initialCost":0,"subscriptionCost":0}'> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner"> <div class="card-top-wrap"> <div class="left"> <h3 class="card-title">BBBank</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/125x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/03/BBBank_Logo.jpg" loading="lazy" loading="lazy" class="card-image " alt="BBBank"/></div> <div id="forbes-rating-vue-root" class=" card-rating has-tooltip " v-on:mouseenter="handleMouseEnter('674f8d651b8af')" v-on:click="toggleRatingTooltip('674f8d651b8af')" v-on:mouseleave="ratingTooltipId = ''" data-component="forbes-rating" > <div class="full-wrap flex items-center mx-auto my-0"> <div class="left-wrap"> <div class="rating-value"> 4.0</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 80%;"></span></div> <div class="rating-logo"> <img decoding="async" src="https://www.forbes.com/advisor/de/wp-content/themes/fadvuk/assets/images/fb-rating-logo-2021.svg" loading="lazy" loading="lazy" width="85" height="12" alt="Forbes Advisor" class=""/> <span class="icon-tooltip icon-info"></span></div> </div> </div> <div class="card-rating-tooltip" id="star-rating" v-bind:class="[ratingTooltipId == '674f8d651b8af' ? 'show' : '']">Unsere Bewertung basiert auf den Konditionen und anderen Eigenschaften des Produkts, wie in der Methodik erklärt ist. Kriterien und Gewichtung legt allein die Redaktion fest.</div> </div> <div class="facts-wrapper"> <div class="facts "> <h4 class="fact"> Repräsentativer Zins (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">5,99%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Zinsspanne (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">5,99% – 9,437%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Kosten einer vorzeitigen Rückzahlung</h4> <div class="fact-value-wrapper"> <p class="fact-value">Keine</p> <p class="fact-value-light"> </div> </div> </div> </div> <div class="representative-example-desktop"></div> </div> <div class="right"> <div class="card-image-wrapper"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/125x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/03/BBBank_Logo.jpg" loading="lazy" loading="lazy" class="card-image " alt="BBBank"/></div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <h4 class="fact"> Repräsentativer Zins (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">5,99%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Zinsspanne (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">5,99% – 9,437%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Kosten einer vorzeitigen Rückzahlung</h4> <div class="fact-value-wrapper"> <p class="fact-value">Keine</p> <p class="fact-value-light"> </div> </div> </div> </div> <div class="representative-example-mobile"></div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab-wrapper"> <div class="accordion-tab" v-on:click="toggleFaq" > Vorteile &amp; Nachteile</div> <div class="c-tab--content list-points answer"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Keine Gebühr bei vorzeitiger Rückzahlung</li> <li>Volldigitaler Antragsprozess</li> <li>Gemeinsamer Kreditantrag möglich</li> <li>Guter repräsentativer Zins</li> </ul> </div> <div class="list-points cons"> <ul> <li>Kredit erst ab 5.000 Euro</li> <li>Girokonto notwendig</li> <li>Keine Online-Kundenbewertungen</li> <li>Kundenhotline nur montags bis freitags erreichbar</li> </ul> </div> </div> </div> </div> </div> </div> </div> </div> </section> <h4>Warum wir den Ratenkredit der BBBank ausgewählt haben</h4> <p>Konditionen: Den „Wunschkredit“ der BBBank gibt es erst ab Beträgen von 5.000 Euro, der Zins variiert gemäß Deiner Kreditwürdigkeit, die die Bank bei der Schufa abfragt. Mit 5,99 Prozent ist der Zins, den zwei Drittel der Kunden für ein durchschnittliches Darlehen (12.000 Euro, fünf Jahre Laufzeit) erhalten, günstiger als bei einigen Konkurrenzbanken.</p> <p>Du hast die Möglichkeit, den Kredit zusammen mit einer zweiten Person zu beantragen. In dem Fall erhältst Du das Darlehen vielleicht etwas günstiger. Dabei müssen die beiden Kreditnehmer in keinem besonderen Verhältnis stehen, also nicht etwa verheiratet sein oder im selben Haushalt leben. Du hast maximal 7 Jahre Zeit, Deinen Kredit zurückzuzahlen.</p> <p>Rückzahlung und Antrag: Beim Ratenkredit der BBBank fallen keine Gebühren an, wenn Du Deine Schuld früher als vereinbart (ganz oder teilweise) begleichst. Der Kreditantrag ist voll digitalisiert, den Vertrag unterzeichnest Du elektronisch. Innerhalb von 60 Minuten entscheidet die Bank, ob sie das Darlehen gewährt.</p> <p>Besonderheiten: Du brauchst ein Konto bei der Bank.</p> </div> </div> <div id="scrollto_hypo_vereinsbank_onlinekredit_mit_gunstigem_reprasentativen_zins_section" class="section-content-inner-wrap section-content-7 "> <div class="section-content wysiwyg-content"> <section id="genericProductWidgetWrapper" class="generic-widget-wrapper font-euclidcircularb-regular mb-4 " data-generic-widget="root" data-mktp-container='{"componentTitle":"Hypo Vereinsbank","componentType":"Generic Product Widget"}'> <div class="exclude-eds cc-wrapper " data-mktp-product='{"itemId":"86966","itemName":"Hypo Vereinsbank","itemBrand":"","itemCategory":"","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","starRatings":3.9,"initialCost":0,"subscriptionCost":0}'> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner"> <div class="card-top-wrap"> <div class="left"> <h3 class="card-title">Hypo Vereinsbank</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=3375" rel="nofollow" data-product-name="Hypo Vereinsbank" data-cta-info="Kredit beantragen" data-vendor="hypo-vereinsbank" data-product-id="86966" data-product="Kreditvergleich 2023: Die besten Onlinekredite im Vergleich Hybrid Lander" data-cta-url="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=3375" data-partner-offer="no" data-product-rating="3.9" data-product-badge="" data-component="Generic Product Widget" data-product-position="6" data-cta-position="Image Link" target="_blank" data-widget-type="Generic Product Widget" ><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/125x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/03/Hypo-Vereinsbank.png" loading="lazy" loading="lazy" class="card-image " alt="Hypo Vereinsbank"/></a></div> <div id="forbes-rating-vue-root" class=" card-rating has-tooltip " v-on:mouseenter="handleMouseEnter('674f8d651f608')" v-on:click="toggleRatingTooltip('674f8d651f608')" v-on:mouseleave="ratingTooltipId = ''" data-component="forbes-rating" > <div class="full-wrap flex items-center mx-auto my-0"> <div class="left-wrap"> <div class="rating-value"> 3.9</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 80%;"></span></div> <div class="rating-logo"> <img decoding="async" src="https://www.forbes.com/advisor/de/wp-content/themes/fadvuk/assets/images/fb-rating-logo-2021.svg" loading="lazy" loading="lazy" width="85" height="12" alt="Forbes Advisor" class=""/> <span class="icon-tooltip icon-info"></span></div> </div> </div> <div class="card-rating-tooltip" id="star-rating" v-bind:class="[ratingTooltipId == '674f8d651f608' ? 'show' : '']">Unsere Bewertung basiert auf den Konditionen und anderen Eigenschaften des Produkts, wie in der Methodik erklärt ist. Kriterien und Gewichtung legt allein die Redaktion fest.</div> </div> <div class="facts-wrapper"> <div class="facts "> <h4 class="fact"> Repräsentativer Zins (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">6,99%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Zinsspanne (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">2,99% – 9,99%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Kosten bei vorzeitigen Rückzahlung?</h4> <div class="fact-value-wrapper"> <p class="fact-value">Ja, wenn Du mehr als 80% der Restschuld tilgst</p> <p class="fact-value-light"> </div> </div> </div> </div> <div class="representative-example-desktop"></div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=3375" rel="nofollow" data-product-name="Hypo Vereinsbank" data-cta-info="Kredit beantragen" data-vendor="hypo-vereinsbank" data-product-id="86966" data-product="Kreditvergleich 2023: Die besten Onlinekredite im Vergleich Hybrid Lander" data-cta-url="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=3375" data-partner-offer="no" data-product-rating="3.9" data-product-badge="" data-component="Generic Product Widget" data-product-position="6" target="_blank" data-cta-position="Image Link" data-widget-type="Generic Product Widget" ><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/125x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/03/Hypo-Vereinsbank.png" loading="lazy" loading="lazy" class="card-image " alt="Hypo Vereinsbank"/></a></div> <div class="btn-wrap"><a class="apply-now c-button" href="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=3375" rel="nofollow" data-product-name="Hypo Vereinsbank" data-cta-info="Kredit beantragen" data-vendor="hypo-vereinsbank" data-product-id="86966" data-product="Kreditvergleich 2023: Die besten Onlinekredite im Vergleich Hybrid Lander" data-cta-url="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=3375" data-partner-offer="no" data-product-rating="3.9" data-product-badge="" data-component="Generic Product Widget" data-product-position="6" data-widget-type="Generic Product Widget" data-cta-position="Button Link" ><span> Kredit beantragen</span><img decoding="async" src="https://www.forbes.com/advisor/de/wp-content/themes/fadvuk/assets/images/right-arrow.svg" loading="lazy" loading="lazy" alt="" class=""/></a></p> <div class="secure-site-txt"></div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <h4 class="fact"> Repräsentativer Zins (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">6,99%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Zinsspanne (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">2,99% – 9,99%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Kosten bei vorzeitigen Rückzahlung?</h4> <div class="fact-value-wrapper"> <p class="fact-value">Ja, wenn Du mehr als 80% der Restschuld tilgst</p> <p class="fact-value-light"> </div> </div> </div> </div> <div class="representative-example-mobile"></div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab-wrapper"> <div class="accordion-tab" v-on:click="toggleFaq" > Vorteile &amp; Nachteile</div> <div class="c-tab--content list-points answer"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Gemeinsamer Kreditantrag möglich</li> <li>Guter repräsentativer Zins</li> <li>Zins abhängig von Bonität und Laufzeit</li> <li>In hohem Maße digitaler Antragsprozess</li> </ul> </div> <div class="list-points cons"> <ul> <li>Kundenhotline nur montags bis freitags erreichbar</li> <li>Gebühr bei vorzeitiger Rückzahlung</li> <li>Entscheidung über den Kreditantrag kann länger dauern</li> </ul> </div> </div> </div> </div> </div> </div> </div> </div> </section> <h4>Warum wir den Ratenkredit der Hypo Vereinsbank ausgewählt haben</h4> <p>Konditionen: Den „Komfort Kredit“ der Hypo Vereinsbank gibt es bereits ab 1.000 Euro. Die Zinsen richten sich nach Deiner Kreditwürdigkeit und der Laufzeit, die Du anfragst. Zwar gibt Dir die Bank bis zu acht Jahre Zeit, die Kreditsumme zu tilgen. Zahlst Du das Darlehen schnell zurück, kannst Du womöglich von günstigeren Konditionen profitieren. Deine Bonität fragt die HVB bei der Schufa an.</p> <p>Die Bank verlangt höchstens 9,99 Prozent effektiven Jahreszins, ähnlich wie bei vergleichbaren Angeboten. Mit 6,99 Prozent ist der Zins, den zwei Drittel der Kunden für ein durchschnittliches Darlehen (20.000 Euro, fünf Jahre Laufzeit) vergleichsweise günstig.</p> <p>Du hast die Möglichkeit, den Kredit zusammen mit einer zweiten Person zu beantragen. In dem Fall erhältst Du das Darlehen vielleicht etwas günstiger. Dabei müssen die beiden Kreditnehmer in keinem besonderen Verhältnis stehen, also nicht etwa verheiratet sein oder im selben Haushalt leben.</p> <p>Deine Bonität prüft die HVB über die Auskunfteien Schufa und Informa/Infoscore.</p> <p>Rückzahlung: Die HVB verlangt eine Vorfälligkeitsentschädigung, falls Du mehr als 80% der Restschuld vorzeitig zurückzahlen willst.</p> <p>Antrag: Den Kreditantrag, Gehaltsnachweise und ggf. Kontoauszüge kannst Du über eine Online-Schnittstelle hochladen. Es kann unterschiedlich lang dauern, bis die Bank über Deinen Kreditantrag entscheidet.</p> </div> </div> <div id="scrollto_norisbank_onlinekredit_mit_soliden_konditionen_section" class="section-content-inner-wrap section-content-8 "> <div class="section-content wysiwyg-content"> <section id="genericProductWidgetWrapper" class="generic-widget-wrapper font-euclidcircularb-regular mb-4 " data-generic-widget="root" data-mktp-container='{"componentTitle":"Norisbank","componentType":"Generic Product Widget"}'> <div class="exclude-eds cc-wrapper " data-mktp-product='{"itemId":"86990","itemName":"Norisbank","itemBrand":"","itemCategory":"","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","starRatings":3.9,"initialCost":0,"subscriptionCost":0}'> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner"> <div class="card-top-wrap"> <div class="left"> <h3 class="card-title">Norisbank</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=23" rel="nofollow" data-product-name="Norisbank" data-cta-info="Kredit beantragen" data-vendor="norisbank" data-product-id="86990" data-product="Kreditvergleich 2023: Die besten Onlinekredite im Vergleich Hybrid Lander" data-cta-url="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=23" data-partner-offer="no" data-product-rating="3.9" data-product-badge="" data-component="Generic Product Widget" data-product-position="7" data-cta-position="Image Link" target="_blank" data-widget-type="Generic Product Widget" ><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/125x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/03/Norisbank.png" loading="lazy" loading="lazy" class="card-image " alt="Norisbank"/></a></div> <div id="forbes-rating-vue-root" class=" card-rating has-tooltip " v-on:mouseenter="handleMouseEnter('674f8d652388b')" v-on:click="toggleRatingTooltip('674f8d652388b')" v-on:mouseleave="ratingTooltipId = ''" data-component="forbes-rating" > <div class="full-wrap flex items-center mx-auto my-0"> <div class="left-wrap"> <div class="rating-value"> 3.9</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 80%;"></span></div> <div class="rating-logo"> <img decoding="async" src="https://www.forbes.com/advisor/de/wp-content/themes/fadvuk/assets/images/fb-rating-logo-2021.svg" loading="lazy" loading="lazy" width="85" height="12" alt="Forbes Advisor" class=""/> <span class="icon-tooltip icon-info"></span></div> </div> </div> <div class="card-rating-tooltip" id="star-rating" v-bind:class="[ratingTooltipId == '674f8d652388b' ? 'show' : '']">Unsere Bewertung basiert auf den Konditionen und anderen Eigenschaften des Produkts, wie in der Methodik erklärt ist. Kriterien und Gewichtung legt allein die Redaktion fest.</div> </div> <div class="facts-wrapper"> <div class="facts "> <h4 class="fact"> Repräsentativer Zins (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">7,9%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Zinsspanne (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">3,69% – 14,6%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Kosten bei vorzeitigen Rückzahlung?</h4> <div class="fact-value-wrapper"> <p class="fact-value">Ja, wenn Du mehr als 50% der Restschuld tilgst</p> <p class="fact-value-light"> </div> </div> </div> </div> <div class="representative-example-desktop"></div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=23" rel="nofollow" data-product-name="Norisbank" data-cta-info="Kredit beantragen" data-vendor="norisbank" data-product-id="86990" data-product="Kreditvergleich 2023: Die besten Onlinekredite im Vergleich Hybrid Lander" data-cta-url="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=23" data-partner-offer="no" data-product-rating="3.9" data-product-badge="" data-component="Generic Product Widget" data-product-position="7" target="_blank" data-cta-position="Image Link" data-widget-type="Generic Product Widget" ><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/125x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/03/Norisbank.png" loading="lazy" loading="lazy" class="card-image " alt="Norisbank"/></a></div> <div class="btn-wrap"><a class="apply-now c-button" href="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=23" rel="nofollow" data-product-name="Norisbank" data-cta-info="Kredit beantragen" data-vendor="norisbank" data-product-id="86990" data-product="Kreditvergleich 2023: Die besten Onlinekredite im Vergleich Hybrid Lander" data-cta-url="https://kreditvergleich.finanzcheck.de/coop/antrag?refId=r1ODbtXbZgeM&#038;productId=23" data-partner-offer="no" data-product-rating="3.9" data-product-badge="" data-component="Generic Product Widget" data-product-position="7" data-widget-type="Generic Product Widget" data-cta-position="Button Link" ><span> Kredit beantragen</span><img decoding="async" src="https://www.forbes.com/advisor/de/wp-content/themes/fadvuk/assets/images/right-arrow.svg" loading="lazy" loading="lazy" alt="" class=""/></a></p> <div class="secure-site-txt"> Kredit bei Finanzcheck beantragen</div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <h4 class="fact"> Repräsentativer Zins (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">7,9%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Zinsspanne (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">3,69% – 14,6%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Kosten bei vorzeitigen Rückzahlung?</h4> <div class="fact-value-wrapper"> <p class="fact-value">Ja, wenn Du mehr als 50% der Restschuld tilgst</p> <p class="fact-value-light"> </div> </div> </div> </div> <div class="representative-example-mobile"></div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab-wrapper"> <div class="accordion-tab" v-on:click="toggleFaq" > Vorteile &amp; Nachteile</div> <div class="c-tab--content list-points answer"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Gemeinsamer Kreditantrag möglich</li> <li>Kredite ab 1.000 Euro</li> <li>Kundenhotline 24/7 erreichbar</li> <li>In hohem Maße digitaler Antragsprozess</li> </ul> </div> <div class="list-points cons"> <ul> <li>Gebühr bei vorzeitiger Rückzahlung</li> </ul> </div> </div> </div> </div> </div> </div> </div> </div> </section> <h4>Warum wir den Ratenkredit der Norisbank ausgewählt haben</h4> <p>Konditionen: Den „Top Kredit“ der Norisbank gibt es ab Beträgen von 1.000 Euro. Mit 7,9 Prozent liegt der Zins, den zwei Drittel der Kunden für ein durchschnittliches Darlehen (12.000 Euro, fünf Jahre Laufzeit) erhalten, etwas über dem Mittel unserer Untersuchung. Welchen Zins Du bekommst, hängt an Deiner Kreditwürdigkeit. Die Norisbank fragt dafür bei der Schufa an.</p> <p>Du kannst einen gemeinsamen Kreditantrag stellen, sollte Deine Bonität allein nicht ausreichen. Dabei muss der zweite Kreditnehmer jedoch selbst ein wirtschaftliches Interesse daran haben, dass der Kredit zustande kommt, etwa, wenn ihr zusammen etwas kaufen wollt. Du kannst die Rückzahlung des Kredit über bis zu zehn Jahre strecken.</p> <p>Rückzahlung und Antrag: Die Norisbank verlangt eine sogenannte Vorfälligkeitsentschädigung, falls Du die gesamte Kreditsumme vorzeitig zurückzahlen willst. Diese Gebühr ist allerdings gedeckelt und darf nicht mehr als 1 Prozent der Restschuld ausmachen. Tilgst Du außer der Reihe und nicht mehr als 50 Prozent der Restschuld im Jahr, verzichtet die Bank auf die Gebühr.</p> <p>Der Kreditantrag ist nahezu vollständig digitalisiert, den Vertrag kannst Du elektronisch unterschreiben. Deine Gehaltsabrechnungen kannst Du über eine Schnittstelle hochladen. Innerhalb eines Tages entscheidet die Bank, ob sie das Darlehen gewährt.</p> </div> </div> <div id="scrollto_swk_bank_section" class="section-content-inner-wrap section-content-9 "> <div class="section-content wysiwyg-content"> <section id="genericProductWidgetWrapper" class="generic-widget-wrapper font-euclidcircularb-regular mb-4 " data-generic-widget="root" data-mktp-container='{"componentTitle":"SWK Bank","componentType":"Generic Product Widget"}'> <div class="exclude-eds cc-wrapper " data-mktp-product='{"itemId":"87000","itemName":"SWK Bank","itemBrand":"","itemCategory":"","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","starRatings":3.6,"initialCost":0,"subscriptionCost":0}'> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner"> <div class="card-top-wrap"> <div class="left"> <h3 class="card-title">SWK Bank</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://www.financeads.net/tc.php?t=49984C26711015T" rel="nofollow" data-product-name="SWK Bank" data-cta-info="Zum Anbieter" data-vendor="swk-bank" data-product-id="87000" data-product="Kreditvergleich 2023: Die besten Onlinekredite im Vergleich Hybrid Lander" data-cta-url="https://www.financeads.net/tc.php?t=49984C26711015T" data-partner-offer="no" data-product-rating="3.6" data-product-badge="" data-component="Generic Product Widget" data-product-position="8" data-cta-position="Image Link" target="_blank" data-widget-type="Generic Product Widget" ><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/125x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/11/Logo_swkbank_RGB2.png" loading="lazy" loading="lazy" class="card-image " alt="SWK Bank"/></a></div> <div id="forbes-rating-vue-root" class=" card-rating has-tooltip " v-on:mouseenter="handleMouseEnter('674f8d65278a1')" v-on:click="toggleRatingTooltip('674f8d65278a1')" v-on:mouseleave="ratingTooltipId = ''" data-component="forbes-rating" > <div class="full-wrap flex items-center mx-auto my-0"> <div class="left-wrap"> <div class="rating-value"> 3.6</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"><span class="cc-rating" style="width: 70%;"></span></div> <div class="rating-logo"> <img decoding="async" src="https://www.forbes.com/advisor/de/wp-content/themes/fadvuk/assets/images/fb-rating-logo-2021.svg" loading="lazy" loading="lazy" width="85" height="12" alt="Forbes Advisor" class=""/> <span class="icon-tooltip icon-info"></span></div> </div> </div> <div class="card-rating-tooltip" id="star-rating" v-bind:class="[ratingTooltipId == '674f8d65278a1' ? 'show' : '']">Unsere Bewertung basiert auf den Konditionen und anderen Eigenschaften des Produkts, wie in der Methodik erklärt ist. Kriterien und Gewichtung legt allein die Redaktion fest.</div> </div> <div class="facts-wrapper"> <div class="facts "> <h4 class="fact"> Repräsentativer Zins (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">6,79%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Zinsspanne (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">6,29% – 10,29%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Kosten bei vorzeitigen Rückzahlung?</h4> <div class="fact-value-wrapper"> <p class="fact-value">Nur, wenn Du das gesamte Darlehen vorzeitig tilgst</p> <p class="fact-value-light"> </div> </div> </div> </div> <div class="representative-example-desktop"></div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://www.financeads.net/tc.php?t=49984C26711015T" rel="nofollow" data-product-name="SWK Bank" data-cta-info="Zum Anbieter" data-vendor="swk-bank" data-product-id="87000" data-product="Kreditvergleich 2023: Die besten Onlinekredite im Vergleich Hybrid Lander" data-cta-url="https://www.financeads.net/tc.php?t=49984C26711015T" data-partner-offer="no" data-product-rating="3.6" data-product-badge="" data-component="Generic Product Widget" data-product-position="8" target="_blank" data-cta-position="Image Link" data-widget-type="Generic Product Widget" ><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/125x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/11/Logo_swkbank_RGB2.png" loading="lazy" loading="lazy" class="card-image " alt="SWK Bank"/></a></div> <div class="btn-wrap"><a class="apply-now c-button" href="https://www.financeads.net/tc.php?t=49984C26711015T" rel="nofollow" data-product-name="SWK Bank" data-cta-info="Zum Anbieter" data-vendor="swk-bank" data-product-id="87000" data-product="Kreditvergleich 2023: Die besten Onlinekredite im Vergleich Hybrid Lander" data-cta-url="https://www.financeads.net/tc.php?t=49984C26711015T" data-partner-offer="no" data-product-rating="3.6" data-product-badge="" data-component="Generic Product Widget" data-product-position="8" data-widget-type="Generic Product Widget" data-cta-position="Button Link" ><span> Zum Anbieter</span><img decoding="async" src="https://www.forbes.com/advisor/de/wp-content/themes/fadvuk/assets/images/right-arrow.svg" loading="lazy" loading="lazy" alt="" class=""/></a></p> <div class="secure-site-txt"> Angebot von SWK Bank ansehen</div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <h4 class="fact"> Repräsentativer Zins (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">6,79%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Zinsspanne (effektiv, pro Jahr)</h4> <div class="fact-value-wrapper"> <p class="fact-value">6,29% – 10,29%</p> <p class="fact-value-light"> </div> </div> <div class="facts "> <h4 class="fact"> Kosten bei vorzeitigen Rückzahlung?</h4> <div class="fact-value-wrapper"> <p class="fact-value">Nur, wenn Du das gesamte Darlehen vorzeitig tilgst</p> <p class="fact-value-light"> </div> </div> </div> </div> <div class="representative-example-mobile"></div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab-wrapper"> <div class="accordion-tab" v-on:click="toggleFaq" > Vorteile &amp; Nachteile</div> <div class="c-tab--content list-points answer"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Keine Gebühr bei vorzeitiger Rückzahlung</li> <li>Gemeinsamer Kreditantrag möglich</li> <li>In hohem Maße digitaler Antragsprozess</li> </ul> </div> <div class="list-points cons"> <ul> <li>Entscheidung über den Kreditantrag kann länger dauern</li> <li>Kundenhotline nur montags bis freitags erreichbar</li> </ul> </div> </div> </div> </div> </div> </div> </div> </div> </section> <h4>Warum wir den Ratenkredit der SWK Bank ausgewählt haben</h4> <p>Konditionen und Rückzahlung: Bei der SWK kannst Du Ratenkredite bis zu 100.000 Euro aufnehmen und die Rückzahlung auf bis zu 10 Jahre strecken. Dabei kannst Du jederzeit Sondertilgungen in beliebiger Höhe leisten, ohne eine Vorfälligkeitsentschädigung zu zahlen. Diese fällt nur an, wenn Du das gesamte Darlehen vorzeitig zurückzahlst.</p> <p>6,79 Prozent pro Jahr beträgt der Zins, den zwei Drittel aller Kunden für ein typisches Darlehen (12.000 Euro über 84 Monate) bekommen. Angaben für 60 Monate konnte die Bank nicht machen. Die Spanne der Kreditzinsen ist, parallel zur Erhöhung des Leitzinses, angestiegen. Sie liegt zwischen 6,29 und 10,29 Prozent.</p> <p>Welchen Zins Du bekommst, hängt an Deiner Kreditwürdigkeit und der Laufzeit des Darlehens. Was die Bonität angeht, fragt die SWK Bank bei den Auskunfteien Schufa und Crif Bürgel an.</p> <p>Du hast die Möglichkeit, den Kredit zusammen mit einer zweiten Person zu beantragen. In dem Fall erhältst Du das Darlehen vielleicht etwas günstiger. Als „Kreditpartner“ kannst Du Deine Eltern, Kinder oder den Lebenspartner angeben.</p> <p>Antrag: Der Kreditantrag ist teilweise digitalisiert, den Vertrag kannst Du elektronisch unterschreiben. Weitere Unterlagen wie Gehaltsabrechnungen kannst Du über eine Schnittstelle hochladen oder per Mail schicken. Es kann bis zu drei Tagen dauern, bis die Bank über Deinen Kredit entscheidet.</p> </div> </div> <div id="scrollto_was_ist_ein_ratenkredit_section" class="section-content-inner-wrap section-content-10 "> <h3 class="section-title">Was ist ein Ratenkredit?</h3> <div class="section-content wysiwyg-content"> <p><span style="font-weight: 400;">Wenn Du einen Ratenkredit aufnimmst, zahlt Dir eine Bank eine bestimmte Summe auf einen Schlag auf Dein Konto aus. Du verpflichtest Dich im Gegenzug, das Geld samt Zinsen über einen vorab (in der Regel von Dir) festgelegten Zeitrahmen zurückzuzahlen.</span></p> <p><span style="font-weight: 400;">Die gesamte Rückzahlungsdauer geben Banken meist in Monaten an, auch die Raten musst Du in der Regel monatlich zahlen. Wichtig zu wissen: </span><b>Je länger der Kredit läuft, desto teurer wird er.</b><span style="font-weight: 400;"> Denn Deine Schuld an die Bank – und damit der Betrag, auf den Zinsen anfallen – schrumpft weniger schnell.</span></p> <p><span style="font-weight: 400;">In der Tabelle zeigen wir für ein Darlehen von 10.000 Euro den Unterschied bei der Höhe der Raten und Kosten, wenn Du das Geld innerhalb von 24, 48 oder 72 Monaten zurückzahlst. Was auffällt: Bei doppelter (bzw. dreifacher) Zahlungsdauer verdoppeln (bzw. verdreifachen) sich auch die Zinskosten.</span></p> </div> </div> <div id="scrollto_rate_und_kosten_fur_ein_darlehen_von_10000_euro_section" class="section-content-inner-wrap section-content-11 "> <div class="section-content wysiwyg-content"> <strong>Rate und Kosten für ein Darlehen von 10.000 Euro</strong> <!-- /wp:paragraph --> <!-- wp:ninja-tables/guten-block {"tableId":"93467","dataSource":"default"} --> <div id="footable_parent_93467" class=" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table"> <table data-ninja_table_instance="ninja_table_instance_0" data-footable_id="93467" data-filter-delay="1000" aria-label="So viel kostet ein Kredit" id="footable_93467" data-unique_identifier="ninja_table_unique_id_1319037529_93467" class=" foo-table ninja_footable foo_table_93467 ninja_table_unique_id_1319037529_93467 ui table nt_type_legacy_table compact vertical_centered ninja_custom_color inverted footable-paging-right hide_all_borders ninjatable_hide_header_row ninja_table_search_disabled ninja_table_pro"> <colgroup> <col class="ninja_column_0 "> <col class="ninja_column_1 "> </colgroup> <thead> <tr class="footable-header"> <th scope="col" class="ninja_column_0 ninja_clmn_nm_ninja_column_1 "></th><th scope="col" class="ninja_column_1 ninja_clmn_nm_personenschden "></th></tr> </thead> <tbody> <tr data-row_id="12449" class="ninja_table_row_0 nt_row_id_12449"> <td><span style="font-weight: 400;">Laufzeit</span></td><td><span style="font-weight: 400;">5 Jahre</span></td> </tr> <tr data-row_id="12445" class="ninja_table_row_1 nt_row_id_12445"> <td>Monatliche Rate</td><td>99 Euro</td> </tr> <tr data-row_id="12446" class="ninja_table_row_2 nt_row_id_12446"> <td>Zinsen</td><td>940 Euro</td> </tr> <tr data-row_id="12447" class="ninja_table_row_3 nt_row_id_12447"> <td>Kredit</td><td>5.000 Euro</td> </tr> <tr data-row_id="12448" class="ninja_table_row_4 nt_row_id_12448"> <td>Gesamtbetrag</td><td>5.940 Euro</td> </tr> </tbody><!--ninja_tobody_rendering_done--> </table> <style type="text/css" id='ninja_table_custom_css_93467'> #footable_93467 { font-family: inherit; 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font-size: 16px; line-height: 28px; } #footable_parent_93467 tbody .fb-rating-nt-wrapper h2 { font-size: 24px; }}#footable_93467 td.ninja_column_0 { text-align: center; }#footable_93467 th.ninja_column_0 { text-align: center; }#footable_93467 td.ninja_column_1 { text-align: center; }#footable_93467 th.ninja_column_1 { text-align: center; } </style> </div> <!-- /wp:ninja-tables/guten-block --> <!-- wp:paragraph --> <b>Unser Tipp:</b><span style="font-weight: 400;"> Achte beim Kreditantrag auf ein gutes Verhältnis zwischen monatlicher Rate und Kreditkosten: Wähle die Laufzeit so kurz wie möglich (um Zinsen einzusparen), aber so lang wie nötig (um die Kreditraten gut stemmen zu können). Auf Seiten wie</span> <a href="https://www.zinsen-berechnen.de/kreditrechner.php"><span style="font-weight: 400;">zinsen-berechnen.de</span></a><span style="font-weight: 400;"> kannst Du verschiedene Kombinationen ausprobieren.</span> </div> </div> <div id="scrollto_wichtige_begriffe_fur_den_kreditvergleich_section" class="section-content-inner-wrap section-content-12 "> <h3 class="section-title">Wichtige Begriffe für den Kreditvergleich</h3> <div class="section-content wysiwyg-content"> <p>Wenn Du eine größere Anschaffung via Kredit finanzieren und Kredite verschiedener Banken vergleichen willst, solltest Du folgende Begriffe kennen.</p> <h3><strong>Effektiver Jahreszins </strong></h3> <p>Der Effektive Jahreszins ist der Zinssatz, der alle Gebühren der Bank bereits enthält, etwa Verwaltungskosten. Es ist der Zins, den Du tatsächlich bekommst. Um besser dazustehen, geben Banken oft zuerst den sog. Sollzins an; das ist der Zins ohne weitere Gebühren. Er ist niedriger als der Effektivzins, oft zwischen o,2 und 0,5 Prozentpunkten.</p> <h3><strong>Laufzeit und Zins</strong></h3> <p>Die Laufzeit ist der Zeitraum, innerhalb dessen Du den Kredit voll zurückzahlst. Die Laufzeit legst Du vor Kreditabschluss fest. Laut <a href="https://www.schufa.de/media/documents/risiko_und_kreditkompass/SCHUFA-Risiko-und-Kredit-Kompass-2023.pdf">Schufa Kreditkompass</a> lag die durchschnittliche Laufzeit von Krediten 2022 bei 64,3 Monaten. Wichtig: Laufzeit und die Kosten für Deinen Kredit bedingen sich gegenseitig. Umso langsamer Du tilgst, desto länger zahlst Du Zinsen auf Deine Restschuld. Die Faustregel lautet daher: Wähle die Laufzeit so niedrig wie möglich, aber so hoch wie nötig, damit Du Dich bei den monatlichen Kreditraten nicht übernimmst.</p> <h3><strong>Tilgung </strong></h3> <p>Die Tilgung ist der Teil des Kreditbetrags, den Du zurückzahlst. Beachte: Zur Tilgung kommen noch die Zinskosten hinzu. Tilgung und Zinsen zusammen bestimmen Deine Kreditrate. Finde mehr Infos und Beispiele im Ratgeber <a href="https://www.forbes.com/advisor/de/kredit/tilgung/">Tilgung</a>.</p> <h3>Schufa-neutrale<strong> Konditionsanfrage</strong></h3> <p>Du kannst Kreditanfragen bei mehreren Banken stellen, ohne befürchten zu müssen, dass sich das negativ auf Deine Kreditwürdigkeit auswirkt. Erst, wenn Du Dich für einen Kredit entscheidest und den Vertrag unterschreibst, erhältst Du einen Eintrag bei der Kreditauskunftei <a href="https://www.forbes.com/advisor/de/kredit/was-ist-schufa/">Schufa</a>.</p> <h3><strong>Annahmewahrscheinlichkeit (Bonität und Zins)</strong></h3> <p>Klar ist: <a href="https://www.forbes.com/advisor/de/kredit/kredit-ohne-schufa/">Ohne Schufa</a> bzw. mit einem Negativeintrag in Deiner Schufa-Auskunft, bekommst Du in aller Regel keinen Kredit von einer Bank. Möglicherweise kannst Du einen <a href="https://www.forbes.com/advisor/de/kredit/p2p-kredite/">Privatkredit</a> bekommen, allerdings dürfte dieser sehr teuer sein. Hast Du keinen Schufa-Eintrag, hängt die Wahrscheinlichkeit, dass die Bank Deine Kreditanfrage annimmt, unter anderem davon ab, wie gut Dein Schufa-Score ist und ob Du ein ausreichend hohes, regelmäßiges Einkommen nachweisen kannst.</p> <p>Manche Banken, wie die DKB, vergeben Darlehen mit festen Konditionen nur an solche Kunden, die bestimmte Kriterien in der Kreditprüfung bestehen. Andere Banken erhöhen den Kreditzins, wenn Du ihnen als ein „höheres Ausfallrisiko“ erscheinst. Die Frage ist dann nicht, ob Du einen Kredit erhältst, sondern wie teuer er Dich kommen würde.</p> <h3><strong>Zweckgebundener Kredit </strong></h3> <p>Beim Kreditvergleich kannst Du verschiedenen Verwendungszwecke für Deinen Kredit auswählen. Standardmäßig ist die „freie Verwendung“ eingestellt; Du kannst die ausgezahlte Summe also verwenden, wofür Du möchtest. Es gibt aber auch zweckgebundene Kredite, etwa für Renovierungsarbeiten in Deiner Wohnung oder Deines Hauses oder für den Autokauf. Manchmal erhältst Du bei zweckgebundenen Krediten etwas bessere Konditionen. Beim Autokredit kann Dir Bank Dir etwas Zinsrabatt geben, weil das Auto als Sicherheit dient.</p> <p>Folgende sind die klassischen zweckgebundenen Kredite</p> <ul> <li><a href="https://www.forbes.com/advisor/de/kredit/modernisierungskredit/">Modernisierungskredit,</a> auch Wohnkredit genannt,</li> <li><a href="https://www.forbes.com/advisor/de/kredit/autokredit/">Autokredit</a></li> <li><a href="https://www.forbes.com/advisor/de/kredit/immobilienkredit/">Immobilienkredit</a> (Baudarlehen)</li> <li>Studienkredit</li> </ul> <h3><strong>Zweidrittel-Zins</strong></h3> <p>Seit 2010 müssen Dir Banken verraten, welchen Zins zwei Drittel aller Kunden bekommen, die den Betrag und die Laufzeit nachfragen, die Du gerade nachfragst. Das hilft Dir dabei einzuschätzen, ob Dir die Bank ein gutes Angebot macht.</p> <h3><strong>Sondertilgung</strong></h3> <p>Kannst Du Dir einmal mehr Rückzahlung leisten, kannst Du normalerweise auch außer der Reihe einen Teil des Kredits tilgen. Du kannst zum Beispiel mal eine Rate verdoppeln oder vom Weihnachts- oder Urlaubsgeld eine größere Summe auf einmal tilgen. Das spart am Ende Zinskosten.</p> <h3><strong>Vorfälligkeitsentschädigung</strong></h3> <p>Löst Du den Kredit auf einen Schlag ab, verlangen manche Banken eine sogenannte Vorfälligkeitsentschädigung. Diese kann bis zu 1 Prozent der Restschuld betragen, wenn Dein Darlehen noch länger als 12 Monate läuft. Ist es innerhalb des nächsten Jahres fällig, sinkt die Gebühr auf 0,5 Prozent der Restschuld. Manche Banken verzichten ganz auf die Vorfälligkeitsentschädigung.</p> <h3><strong>So kannst Du vergleichen</strong></h3> <p>Um Kredite zu vergleichen, kannst Du auf das Forbes-Advisor Ranking schauen. Dieser liefert Dir einen Überblick darüber, welche Banken grundsätzlich gute Konditionen, guten Service und eine gute Antragsstrecke bieten.</p> <p>Ergänzend dienen Kreditrechner auf Vergleichsportalen wie Verivox, Check24, <a href="https://www.forbes.com/advisor/de/kredit/smava-kredit-erfahrungen/">Smava</a> oder Finanzcheck als guter Ausgangspunkt für einen Kreditvergleich.</p> <p>Auch bei Filialbanken gibt es Kredite, allerdings sind diese in der Regel teurer. Ein Gang zu Deiner Hausbank kann trotzdem lohnen. Wenn Du schon lange Kunde bist, gibt es dort manchmal Sonderkonditionen.</p> </div> </div> <div id="scrollto_wer_kann_einen_kredit_aufnehmen_section" class="section-content-inner-wrap section-content-13 "> <h3 class="section-title">Wer kann einen Kredit aufnehmen?</h3> <div class="section-content wysiwyg-content"> <p>Nicht jeder kann einen Kredit aufnehmen. Für Banken ist vor allem die Kombination aus folgenden Punkten wichtig: Bonität, Einkommen und Alter.</p> <h3>Bonität</h3> <p>Die Bank vergewissert sich im Vorfeld, ob Deine Kreditwürdigkeit (Bonität) ausreichend gut ist, um einen Kredit zu erhalten. Eine sehr gute Bonität erhöht Deine Chancen auf einen Kredit und guten Konditionen.</p> <p>Deine Kreditwürdigkeit ergibt sich aus Deinem vergangenen Zahlungsverhalten. Hast Du Dich nie verschuldet und Deine Rechnungen pünktlich bezahlt, solltest Du Dir keine Sorgen um Deine Bonität machen müssen.</p> <h3>Einkommen</h3> <p>Banken achten darauf, dass Du ein ausreichend hohes und regelmäßiges Einkommen hast, ehe sie Dir Geld leihen. Denn sie wollen das Risiko minimieren, dass Du Deine monatliche Rate nicht stemmen kannst. Wer Geld vom Staat bezieht, hat es in der Regel schwer – und auch Selbstständige sowie Freiberufler werden von Banken gern abgelehnt.</p> <h3>Alter</h3> <p>Um einen Kredit aufnehmen zu können, musst Du mindestens volljährig sein. Personen jenseits des 65. Lebensjahres haben es oft schwerer, noch an einen Kredit zu kommen. Einmal fällt die Rente vielleicht gering aus, andererseits steigt das Risiko für die Bank, dass der Kreditnehmer schwer krank wird (und dann hohe Ausgaben hat) oder verstirbt.</p> </div> </div> <div id="scrollto_welche_unterlagen_brauchst_du_um_einen_kredit_abzuschliessen_section" class="section-content-inner-wrap section-content-14 "> <h3 class="section-title">Welche Unterlagen brauchst Du, um einen Kredit abzuschließen?</h3> <div class="section-content wysiwyg-content"> <p>Banken wollen so einiges von Dir wissen, bevor sie Dir einen Finanzierungsvorschlag unterbreiten. So wollen sie das Risiko reduzieren, das Kreditnehmer die Raten nicht zurückzahlen können.</p> <p>Oft musst Du folgende Unterlagen einreichen. Beim Onlinekredit gibt es oft die Möglichkeit, Unterlagen hochzuladen.</p> <ul> <li>Dein Personalausweis und ggf. die Meldebescheinigung</li> <li>Einkommensnachweise (in der Regel der vergangenen drei Monate)</li> <li>Möglicherweise Kontoauszüge</li> <li>Nachweis über Sicherheiten (beispielsweise Wohneigentum)</li> <li>Schufa-Selbstauskunft</li> <li>Ausgefüllter Kreditantrag</li> </ul> </div> </div> <div id="scrollto_wie_viel_kredit_kannst_du_dir_leisten_section" class="section-content-inner-wrap section-content-15 "> <h3 class="section-title">Wie viel Kredit kannst Du Dir leisten?</h3> <div class="section-content wysiwyg-content"> <p>Das hängt davon ab, wie viel Einkommen Du im Monat normalerweise übrig hast. Um dieses herauszufinden, kannst Du eine einfache Rechnung (Haushaltsplan) aufstellen.</p> <p>Von Deinem Monatseinkommen ziehst Du die Ausgaben ab, die jeden Monat fest anfallen. Dazu gehören zum Beispiel</p> <ul> <li>Deine Mietkosten</li> <li>Deine Lebenshaltungskosten (Lebensmittel)</li> <li>Handy und Internet</li> <li>Strom</li> <li>Versicherungen</li> <li>Gegebenenfalls Kosten für den ÖPNV (= öffentlicher Personennahverkehr)</li> <li>oder Kosten für ein Auto (Sprit)</li> <li>Kosten für Kleidung und Freizeitaktivitäten (Sport)</li> <li>Sparpläne</li> </ul> <p>Von dem, was übrig bleibt, solltest Du nochmal gute 15 Prozent als Puffer zur Seite legen, zum Beispiel auf ein <a href="https://www.forbes.com/advisor/de/geldanlage/tagesgeld-vergleich/">Tagesgeldkonto</a> packen. Den Rest könntest Du für eine Kreditrate nutzen.</p> <p>Kennst Du Deine Kreditrate, kannst Du ausrechnen, wie viel Kreditsumme dazu passt. Das hängt von den Zinsen ab. Denn: Kreditrate, das ist die Rückzahlung der Schulden (Tilgung) plus die Zinskosten auf die Restschuld.</p> <p>Nehmen wir an, Du hast monatlich 200 Euro zur Verfügung und brauchst 5.000 Euro Kreditsumme. Bei einem effektiven Jahreszins von 6,5 Prozent könntest Du den Betrag in 2 Jahren und 3 Monaten abbezahlen. Läge der Kreditzins bei 10 Prozent, müsstest Du 2 Monate länger zahlen.</p> <p>Mit dem <a href="https://www.zinsen-berechnen.de/kreditrechner.php">Kreditrechner von zinsen-berechnen.de</a> kannst Du selbst ausprobieren, wie Zinsen, Laufzeit, Kredithöhe und Kreditrate miteinander zusammenhängen. Mehr Zahlenbeispiele findest Du auch in unserem Ratgeber <a href="https://www.forbes.com/advisor/de/kredit/kredit-aufnehmen/">Kredit aufnehmen</a>.</p> </div> </div> <div id="scrollto_wann_habe_ich_das_geld_des_kredites_auf_dem_konto_section" class="section-content-inner-wrap section-content-16 "> <h3 class="section-title">Wann habe ich das Geld des Kredites auf dem Konto? </h3> <div class="section-content wysiwyg-content"> <p>Das kommt auf die Bank an. Onlinebanken sind in der Regel schnell mit der Bearbeitung der Kreditanfragen. Innerhalb weniger Tage bekommst Du meist einen Finanzierungsvorschlag und wenn Du diesen annimmst, sollte das Geld innerhalb von 2 Werktagen auf Deinem Konto landen. Schneller geht&#8217;s unter Umständen beim sog. <a href="https://forbes.com/advisor/de/kredit/kleinkredit/">Kleinkredit</a>. Das sind Kredite über sehr niedrige Beträge, beispielsweise 1.000 Euro. Gut möglich, dass eine solche Summe auch innerhalb von 24 Stunden auf Deinem Konto landet.</p> </div> </div> <div id="scrollto_kredit_umschulden_so_gehts_section" class="section-content-inner-wrap section-content-17 "> <h3 class="section-title">Kredit umschulden: So geht's </h3> <div class="section-content wysiwyg-content"> <p>Kredit umschulden bedeutet, die Restschuld aus einen laufenden Kredit mit teuren Zinsen durch einen neuen Kredit mit niedrigeren Zinsen ablösen.</p> <p>Du nimmst also zu günstigeren Konditionen die Kreditsumme bei einer neuen Bank auf, die Du der alten Bank noch schuldest und bezahlst Deine Schulden auf einen Schlag. Anschließend zahlst Du den neuen Kredit zu günstigeren Konditionen ab.</p> <p>An sich ist das Umschulden eine gute Idee, aber es gibt zwei Dinge zu beachten:</p> <ul> <li>Erstens muss das neue Zinsniveau natürlich niedriger sein. Aktuell sieht am Markt aber umgekehrt aus: Zinsen steigen, neue Kredite sind teurer. Warte also am besten fürs Umschulden eine Phase ab, in der Kreditzinsen wieder rückläufig sind. Experten rechnen damit, dass dies ab Ende 2024 wieder der Fall sein dürfte. Das Niveau der Kreditzinsen hängt am <a href="https://www.forbes.com/advisor/de/geldanlage/was-ist-leitzins/">Leitzins der EZB</a>. Der Zins dürfte sinken, wenn die <a href="https://www.forbes.com/advisor/de/geldanlage/inflation/">Inflation</a> im Euroraum erneut die 2-Prozent-Marke erreicht hat. Im Oktober 2023 liegt die Teuerungsrate in der Eurozone bei 4,3 Prozent.</li> <li>Zweitens musst Du unter Umständen Gebühren an die Bank zahlen, wenn Du Deinen ursprünglichen Kredit (aus Sicht der Bank) „zu früh“ zurückzahlst. Im Fachjargon heißen diese Gebühren: Vorfälligkeitsentschädigung. Sie können bis zu 1 Prozent der Restschuld betragen. Manche Banken verzichten aber darauf. Nach 10 Jahren Laufzeit (etwa bei einem Baudarlehen) kostet die Ablöse/Umschuldung nichts mehr.</li> </ul> <p>Wo eine Umschuldung ggf. eher in Betracht kommt, als beim klassischen Ratenkredit ist, wenn Du viel Geld im Dispo hast. <a href="https://www.forbes.com/advisor/de/girokonto/kosten-dispo-ueberziehung/">Dispozinsen</a> sind normalerweise noch einmal deutlich höher als Zinsen für Ratenkredite. Da können mehrere Prozentpunkte dazwischenliegen; zuletzt stiegen Dispozinsen wieder in den zweistelligen Bereich. Solltest Du also Deinen Disporahmen regelmäßig nutzen, denke über einen Ratenkredit und eine Umschuldung nach.</p> </div> </div> <div id="scrollto_wann_ist_ein_kredit_eine_sinnvolle_losung_section" class="section-content-inner-wrap section-content-18 "> <h3 class="section-title">Wann ist ein Kredit eine sinnvolle Lösung?</h3> <div class="section-content wysiwyg-content"> <p>Wenn eine dringende Anschaffung bevorsteht, Dein Auto kaputt geht oder Du renovieren musst und Du die Kosten nicht aus Deinem laufenden Einkommen bezahlen kannst, mag ein Ratenkredit eine Lösung sein. Ebenso kann er sinnvoll sein, um einen teuren Dispositionskredit, ein dauerhaften Minus beim Girokonto, abzulösen. Schließe einen Kredit aber niemals leichtfertig, etwa für übermäßigen Konsum. Schließlich schuldest Du dann jemandem Geld, was auch in Deiner Schufa vermerkt ist.</p> </div> </div> <div id="scrollto_welche_bank_gibt_kredit_trotz_negativer_schufa_section" class="section-content-inner-wrap section-content-19 "> <h3 class="section-title">Welche Bank gibt Kredit trotz negativer Schufa?</h3> <div class="section-content wysiwyg-content"> <p>Wenn du einen negativen Schufa-Eintrag hast, bekommst Du von deutschen Banken ziemlich sicher kein Geld. Eine Möglichkeit, einen sogenannten Kredit ohne Schufa zu erhalten oder besser gesagt: einen Kredit trotz (negativer) Schufa, zu bekommen, ist über Banken aus dem Ausland. Normalerweise kooperieren bestimmte <strong>Kreditvermittler</strong> mit <strong>ausländischen Banken</strong>, oft aus der Schweiz oder Liechtenstein. Jedoch sind nicht alle Angebote seriös.</p> <p>Wenn Du über ein Angebot stolperst, auf das mehrere der folgenden Punkte zutreffen, solltest Du vorsichtig sein:</p> <ul> <li>Du wirst nicht nach Einkommen oder Eigentum gefragt.</li> <li>Du sollst vorab eine Bearbeitungsgebühren bezahlen.</li> <li>Du sollst einen weiteren Vertrag abschließen (z.B. ein Abonnement).</li> <li>Du sollst einwilligen, dass der Anbieter nicht definierte Beträge von Deinem Konto einzieht.</li> <li>Du musst zustimmen, dass Deine Daten zu Werbezwecken verwendet werden.</li> <li>Dir wird versprochen, dass die Vertragsunterlagen persönlich bei Dir abgegeben werden.</li> <li>Du musst verpflichtend eine sogenannte Restschuldversicherung abschließen – für den Fall, dass Du Deine Raten nicht mehr bedienen kannst.</li> </ul> <p>Alternativ zu Krediten aus dem Ausland sind noch <a href="https://www.forbes.com/advisor/de/kredit/p2p-kredite/">Privatkredite</a>. In dem Fall leihen Dir Privatpersonen Geld. Vergleichsportale wie Verivox, Smava und Co. vermitteln solche Angebote. Doch auch hier musst Du mit hohen Zinsen rechnen.</p> <p>Überlege abschließend, ob Du wirklich einen (neuen) Kredit brauchst. Die bessere Lösung, aus den Schulden zu kommen, ist, sich an einen Schuldnerberater zu wenden.</p> </div> </div> <div id="scrollto_methodik_section" class="section-content-inner-wrap section-content-20 "> <h3 class="section-title">Methodik</h3> <div class="section-content wysiwyg-content"> <p>Im März 2021 haben wir erstmals Online-Ratenkredite von 19 Banken untersucht, die Kunden ohne eine teure <a href="https://www.forbes.com/advisor/de/deine-finanzen/das-einmaleins-zum-ratenkredit/" target="_blank" rel="noopener">Kreditausfallversicherung</a> abschließen können. Anhand eines Fragebogens haben wir mehr als 20 Kriterien abgefragt, gewichtet und regelmäßig aktualisiert.</p> <p>Im August 2023 haben wir die Konditionen der besten 8 Ratenkredite nun erneut gecheckt. Alle Informationen (inkl. der Zinskonditionen) stammen aus der Erhebung und sind derzeit möglicherweise nicht verfügbar.</p> <p>Folgende Kategorien haben wir angeschaut:</p> <ul> <li><strong>Kreditdetails</strong> und dabei besonders die maximale und minimale Darlehenssumme und die maximal mögliche Laufzeit eines Kredits. <strong>(20% Gewicht)</strong></li> <li><strong>Kreditkosten</strong> und dabei besonders die angebotene Zinsspanne, den Zweidrittel-Zins für ein repräsentatives Darlehen über 12.000 Euro und 60 Monate, sowie die Kosten, die anfallen, wenn ein Kunde das Darlehen komplett oder mindestens zur Hälfte vorzeitig zurückzahlen will. <strong>(40% Gewicht)</strong></li> <li><strong>Verfügbarkeit/Flexibilität</strong> und dabei insbesondere Kriterien, nach denen der angebotene Zinssatz variieren kann (Bonität, Laufzeit, Kredithöhe), die Möglichkeit und Bedingungen, den Kredit zu zweit aufzunehmen und die Optionen, die Kunden im Falle finanzieller Schwierigkeiten haben. <strong>(20% Gewicht)</strong></li> <li><strong>Kundenservice/Antragsprozess</strong> und dabei insbesondere die Erreichbarkeit der Bank, die Kundenbewertungen auf Bewertungsportalen, die Möglichkeit eines voll digitalen Antrags und die Zeit für die Prüfung des Kredits. <strong>(20% Gewicht)</strong></li> </ul> <p>Darüber hinaus haben wir unter anderem <strong>Extrapunkte</strong> vergeben, wenn Banken eine besonders gute Kundenbewertung haben, Kredite für Selbstständige geprüft werden oder statt Lastschriftverfahren ein Dauerauftrag möglich ist.</p> <p>Minuspunkte gab es für Banken, bei denen Kunden extra ein Konto eröffnen müssen, bei denen der Kredit nur über Vergleichsportale zu haben ist oder die uns nicht sagen wollten, bei welchen Auskunfteien sie die Kreditwürdigkeit der Antragsteller abfragen.</p> </div> </div> <div id="scrollto_das_forbes_advisor_ranking_fur_online_ratenkredite_section" class="section-content-inner-wrap section-content-21 "> <h3 class="section-title">Das Forbes-Advisor-Ranking für Online-Ratenkredite</h3> <div class="section-content wysiwyg-content"> <div id="footable_parent_87033" class=" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table"></p> <table data-ninja_table_instance="ninja_table_instance_1" data-footable_id="87033" data-filter-delay="1000" aria-label="Die besten Onlinekredite im Vergleich 2023: August Hybrid Lander Creation" id="footable_87033" data-unique_identifier="ninja_table_unique_id_738267515_87033" class=" foo-table ninja_footable foo_table_87033 ninja_table_unique_id_738267515_87033 ui table nt_type_legacy_table compact vertical_centered ninja_custom_color inverted footable-paging-right hide_all_borders ninja_table_search_disabled ninja_table_pro"></p> <colgroup> <col class="ninja_column_0 "> <col class="ninja_column_1 "> <col class="ninja_column_2 "> <col class="ninja_column_3 "> </colgroup> <thead> <tr class="footable-header"> <th scope="col" class="ninja_column_0 ninja_clmn_nm_1 ">Platz</th> <th scope="col" class="ninja_column_1 ninja_clmn_nm_2 ">Anbieter und Karte</th> <th scope="col" class="ninja_column_2 ninja_clmn_nm_3 "> Punkte (von 5)</th> <th scope="col" class="ninja_column_3 ninja_clmn_nm_4 ">Sterne</th> </tr> </thead> <tbody> <tr data-row_id="11270" class="ninja_table_row_0 nt_row_id_11270"> <td>1</td> <td>Deutsche Bank</td> <td>4,4</td> <td> <p align="center"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/07/4.5-removebg-preview.png" loading="lazy" loading="lazy" alt="" width="200" height="29" class="alignnone wp-image-33798" /></p> </td> </tr> <tr data-row_id="11276" class="ninja_table_row_1 nt_row_id_11276"> <td>2</td> <td>Targobank</td> <td>4,3</td> <td> <p align="center"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/07/4.5-removebg-preview.png" loading="lazy" loading="lazy" alt="" width="200" height="29" class="alignnone wp-image-33798" /></p> </td> </tr> <tr data-row_id="11274" class="ninja_table_row_2 nt_row_id_11274"> <td>3</td> <td>DKB</td> <td>4,2</td> <td> <p align="center"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/07/4-removebg-preview.png" loading="lazy" loading="lazy" alt="" width="200" height="29" class="aligncenter wp-image-33798" /></p> </td> </tr> <tr data-row_id="11278" class="ninja_table_row_3 nt_row_id_11278"> <td>4</td> <td>ING</td> <td>4,1</td> <td> <p align="center"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/07/4-removebg-preview.png" loading="lazy" loading="lazy" alt="" width="200" height="29" class="alignnone wp-image-33798" /></p> </td> </tr> <tr data-row_id="11272" class="ninja_table_row_4 nt_row_id_11272"> <td>5</td> <td>BBBank</td> <td>4,0</td> <td> <p align="center"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/03/4.png" loading="lazy" loading="lazy" alt="" width="200" height="29" class="alignnone wp-image-31643" /></p> </td> </tr> <tr data-row_id="11277" class="ninja_table_row_5 nt_row_id_11277"> <td>6</td> <td>HVB</td> <td>3,9</td> <td> <p align="center"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/07/4-removebg-preview.png" loading="lazy" loading="lazy" alt="" width="200" height="29" class="aligncenter wp-image-33798" /></p> </td> </tr> <tr data-row_id="11271" class="ninja_table_row_6 nt_row_id_11271"> <td>7</td> <td>Norisbank</td> <td>3,9</td> <td> <p align="center"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/07/4-removebg-preview.png" loading="lazy" loading="lazy" alt="" width="200" height="29" class="alignnone wp-image-33798" /></p> </td> </tr> <tr data-row_id="11273" class="ninja_table_row_7 nt_row_id_11273"> <td>8</td> <td>SWK Bank</td> <td>3,6</td> <td> <p align="center"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/07/3.5__1_-removebg-preview.png" loading="lazy" loading="lazy" alt="" width="200" height="29" class="alignleft wp-image-33857" /></p> </td> </tr> <tr data-row_id="11275" class="ninja_table_row_8 nt_row_id_11275"> <td colspan="4"><em>Stand: August 2023</em></td> <td class="ninja_temp_cell"></td> <td class="ninja_temp_cell"></td> <td class="ninja_temp_cell"></td> </tr> </tbody> <p><!--ninja_tobody_rendering_done--><br /> </table> <style type="text/css" id='ninja_table_custom_css_93467'> #footable_93467 { font-family: inherit; font-size: 14px; } #footable_93467 tbody tr td span.fooicon-plus:before { background-color: !important; } 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text-align: center; }#footable_87033 th.ninja_column_0 { text-align: center; }#footable_87033 td.ninja_column_1 { text-align: center; }#footable_87033 th.ninja_column_1 { text-align: center; }#footable_87033 td.ninja_column_2 { text-align: center; }#footable_87033 th.ninja_column_2 { text-align: center; }#footable_87033 td.ninja_column_3 { text-align: center; }#footable_87033 th.ninja_column_3 { text-align: center; } </style> </div> </div> </div> <div class="article__editors-note article__editors-note-top p-2 my-3 text-xs tracking-tight w-full" > <p>Forbes Advisor folgt strengen journalistischen Standards. Alle Angebote sind nach bestem Wissen so dargestellt, wie sie zum Stichtag der Analyse vorlagen. Möglicherweise sind manche Angebote nicht mehr verfügbar, wenn Du den Artikel später aufrufst. Für redaktionelle Inhalte sind ausschließlich die Autoren verantwortlich. Insbesondere wurden redaktionelle Inhalte nicht von Werbepartnern zur Verfügung gestellt, genehmigt oder anderweitig beeinflusst.</p> </div> <div class="read-full-article-fade" v-bind:class="[showReadFullArticleContent ? '' : 'not-active']" v-show="showReadFullArticleBtn" v-on:click="toggleReadFullArticleSection" > <div class="read-full-article"> <span> {{ showReadFullArticleContent ? 'Artikel verbergen' : 'Weiterlesen' }} </span> <span class="arrow" v-bind:class="[showReadFullArticleContent ? 'top' : 'down']"></span> </div> </div> </div> </div> </div> </div> <section class="tabs-wrapper border-black mb-60px md:mb-70px max-w-1170px mx-5 xl:mx-auto" data-mktp-container='{"componentTitle":"Tabs","componentType":"tabs"}'> <div class="tab-links mb-3 md:mb-2 flex justify-between break-word"> <button class="tablink outline-none font-euclidcircularb-bold text-base md:text-2xl text-gray-400 py-8 mb-2 flex-auto" :class="tabState.selectedIndex === 0 ? 'text-gray-500' : null" v-on:click="updatedTabIndex(0)" ref="lastTab" > Häufige Fragen zum Online-Kredit </button> </div> <div v-show="tabState.selectedIndex === 0" class="faqs"> <div class="tabcontent md:p-10 md:rounded-lg md:bg-gray-100 md:border md:border-solid md:border-gray-200 break-word"> <div class="faqs-wrapper flex"> <div class="flex-auto w-full"> <div class="fadvuk-faqs break-word" data-mktp-container='{"componentTitle":"Frequently Asked Questions","componentType":"FAQ"}'> <div class="faq text-gray-500 relative active" > <h3 v-on:click="toggleFaq" class="font-euclidcircularb-bold cursor-pointer text-lg md:text-2xl leading-relaxed lg:hover:underline">Wer bekommt einen Ratenkredit?</h3> <div class="mt-5 wysiwyg-content answer font-serif text-base leading-7 wysiwyg-content "><p>Wenn Du einen Kreditantrag stellst, schauen Banken normalerweise darauf, dass Du angestellt arbeitest, ein regelmäßiges Einkommen und eine gute Kreditwürdigkeit (Bonität) vorweisen kannst. Für Selbstständige mag es daher bisweilen schwer sein, ein Darlehen zu bekommen.</p> <p>Wenn Du schon einmal Probleme hattest, Zahlungsverpflichtungen nachzukommen (z.B. mit Abos oder anderen Krediten), könnte es mit einem neuen Darlehen schwer werden. Denn Du hast dann vielleicht einen <a href="https://www.forbes.com/advisor/de/kredit/was-ist-schufa/" target="_blank" rel="noopener">Negativeintrag bei der Schufa</a> oder anderen Auskunfteien.</p> <p>Bei einigen Banken steigen die Chancen auf einen Kredit, wenn Du das <strong>Darlehen mit einer zweiten Person</strong> aufnimmst. Achte darauf, in welcher Beziehung der zweite Darlehensnehmer zu Dir stehen muss.</p> </div> </div> <div class="faq text-gray-500 relative " > <h3 v-on:click="toggleFaq" class="font-euclidcircularb-bold cursor-pointer text-lg md:text-2xl leading-relaxed lg:hover:underline"> Brauchst Du eine Kreditausfallversicherung?</h3> <div class="mt-5 wysiwyg-content answer font-serif text-base leading-7 wysiwyg-content hidden"><p>Die Angebote sind mit großer Vorsicht zu genießen. Eine Kreditausfall-, Restschuld- oder Ratenversicherung ist eigentlich dafür gedacht, Deine Raten zu übernehmen, wenn Du den Job verlierst oder krank wirst.</p> <p>Jedoch kommen die Verträge häufig mit vielen Ausschlussklauseln daher und sind oft unverhältnismäßig teuer. Laut <a href="http://dipbt.bundestag.de/doc/btd/18/108/1810871.pdf" target="_blank" rel="noopener">Bundesregierung</a> springt die Versicherung in weniger als 1 Prozent der Fälle wirklich ein.</p> <p>Besser ist es, Du sprichst im Fall von Zahlungsschwierigkeiten mit Deiner Bank und findest eine <strong>individuelle Lösung</strong>.</p> </div> </div> <div class="faq text-gray-500 relative " > <h3 v-on:click="toggleFaq" class="font-euclidcircularb-bold cursor-pointer text-lg md:text-2xl leading-relaxed lg:hover:underline">Wonach richtet sich der Kreditzins?</h3> <div class="mt-5 wysiwyg-content answer font-serif text-base leading-7 wysiwyg-content hidden"><p>Die meisten Banken machen den Zins für Deinen Ratenkredit hauptsächlich an Deiner Kreditwürdigkeit (Bonität) fest. Dafür nutzen sie Daten von Auskunfteien wie Schufa, Infoscore oder Crif Bürgel. Diese geben unter anderem Auskunft darüber, ob Du Deinen finanziellen Verpflichtungen (bislang) nachgekommen bist. Auch andere Faktoren können in die Bewertung einfließen.</p> <p>Neben der Bonität machen einige Banken den Kreditzins zusätzlich nach der Laufzeit oder Höhe des Darlehens aus. Nimmst Du bspw. eine größere Summen über 7 Jahre oder länger auf, mag es sein, dass Du etwas mehr zahlen musst.</p> <p>Manche Banken legen eine <strong>Mindestbonität</strong> vorab fest: Schaffst Du diese Hürde, bekommst Du einen festen, meist recht günstigen Zins, der dann in geringerem Umfang nach Kreditlaufzeit oder Kredithöhe variieren kann. Nachteil: Schaffst Du die Hürde nicht, bekommst Du keinen Kredit.</p> </div> </div> <div class="faq text-gray-500 relative " > <h3 v-on:click="toggleFaq" class="font-euclidcircularb-bold cursor-pointer text-lg md:text-2xl leading-relaxed lg:hover:underline">Wofür kannst Du einen Ratenkredit nutzen?</h3> <div class="mt-5 wysiwyg-content answer font-serif text-base leading-7 wysiwyg-content hidden"><p>Laut einer Ipsos-Untersuchung von 2019 haben die Deutschen Ratenkredite vor allem für den Autokauf, Elektronik, Möbel, Haushaltsgeräte und Renovierungen aufgenommen. Aber auch die sogenannte <strong>Umschuldung</strong> ist ein häufiger Grund für einen Ratenkredit.</p> <p>Stell Dir vor, Du bist wegen einer einmaligen Ausgabe beim <a href="https://www.forbes.com/advisor/de/girokonto/" target="_blank" rel="noopener">Girokonto</a> ins Minus gerutscht, willst aber nicht länger die vergleichsweise teuren Dispozinsen zahlen. Dann kann ein Ratenkredit von 1.000 vielleicht 2.000 Euro eine Möglichkeit sein.</p> <p>Bei den untersuchten Online-Darlehen handelt es sich um Ratenkredite für private Zwecke. Du kannst sie nicht nutzen, um etwa Dein Geschäft auf- oder auszubauen. Der genaue Kreditzweck im Rahmen der privaten Nutzen ist am Ende normalerweise egal. Finanzierst Du ein Auto, gibt es manchmal einen günstigeren Zins.</p> </div> </div> </div> </div> <div class="faqs-image hidden lg:block"> <img src="https://www.forbes.com/advisor/de/wp-content/themes/fadvuk/assets/images/question-mark-vector.svg" loading="lazy" alt="FAQS" class=""/> </div> </div> </div> </div> </section> </div> </div> <!-- Footer Start Here @css file path src/scss/components/footer.scss ( Note : Please write only footer specfic css ) --> <footer class="shared-footer" data-turbolinks="false"> <div class="row-inner"> <div class="footer-logo"> <a href="https://www.forbes.com/advisor/de/" target="_self" class="logo logo-footer inline-block" aria-label="forbes" title="forbes logo"> <svg width="131" height="32" viewBox="0 0 131 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M79.6513 9.11612C77.599 9.11612 75.952 9.66337 74.2417 10.4842C74.2544 5.72091 74.3177 1.56698 74.4317 0L64.4613 1.89035V2.7734L65.4367 2.89781C66.8303 3.08442 67.3624 3.88034 67.5271 5.70856C67.8438 9.20325 67.7932 27.9332 67.5271 30.9304C70.2129 31.5274 73.1142 31.9752 76.028 31.9752C83.9333 31.9752 88.6969 27.1746 88.6969 19.5756C88.6969 13.4939 84.8329 9.11612 79.6513 9.11612ZM76.18 30.4329C75.6099 30.4329 74.8877 30.3459 74.4824 30.2712C74.3304 28.1694 74.2291 19.5009 74.2417 11.9268C75.1538 11.6283 75.7746 11.5537 76.5728 11.5537C79.8414 11.5537 81.691 15.2599 81.691 19.9486C81.691 25.9059 79.4233 30.4329 76.18 30.4329ZM26.9865 9.35243L25.4282 9.77528C24.0727 5.32283 21.9063 2.81068 17.8775 2.81068H12.7087C12.468 5.64636 12.3793 10.3722 12.4047 15.2848L15.8887 15.1729C18.2071 15.0983 19.1699 13.4069 19.7274 10.9071H21.0322V21.3166H19.7274C19.1699 18.8168 18.1944 17.1378 15.8887 17.0507L12.4174 16.9388C12.4554 20.6699 12.5567 23.8537 12.7214 25.7441C12.9621 28.5176 13.7223 29.7363 15.7239 30.0224L17.4976 30.209V31.4527H0.635254V30.209L2.02888 30.0224C4.03061 29.7363 4.79075 28.5175 5.03139 25.7441C5.41142 21.1797 5.47479 11.678 5.03139 6.37991C4.79067 3.60643 4.03053 2.38767 2.02888 2.10165L0.635254 1.91512V0.671426H26.8472L26.9865 9.35243ZM35.3734 8.86738C42.8228 8.86738 46.522 13.8296 46.522 20.359C46.522 26.7391 42.3412 31.975 34.8919 31.975C27.4425 31.975 23.7306 27.0127 23.7306 20.4834C23.7306 14.1033 27.9115 8.86738 35.3734 8.86738ZM34.9806 10.2853C31.6868 10.2853 30.7619 14.663 30.7619 20.4213C30.7619 26.0303 32.2189 30.5573 35.2721 30.5573C38.5659 30.5573 39.4908 26.1795 39.4908 20.4213C39.4908 14.8122 38.0339 10.2853 34.9806 10.2853ZM90.5212 20.6326C90.5085 14.5759 94.4105 8.89223 102.088 8.89223C108.334 8.89223 111.324 13.4442 111.349 19.389H97.4131C97.2611 24.7865 100.048 28.754 105.369 28.754C107.713 28.754 108.98 28.1819 110.399 27.1247L111.058 27.8959C109.512 29.9977 106.281 32 101.999 32C95.272 31.9875 90.5338 27.3112 90.5212 20.6326ZM97.4637 17.8468L104.457 17.6976C104.495 14.663 104.001 10.3225 101.48 10.3225C98.946 10.3225 97.5271 14.4267 97.4637 17.8468ZM129.263 15.6828L128.123 15.9813C126.906 12.1135 125.057 10.4718 122.358 10.4718C120.559 10.4718 119.254 11.8025 119.254 13.7302C119.254 15.6456 120.711 16.6529 124.93 18.2572C128.819 19.7373 130.365 21.4411 130.365 24.5378C130.365 29.1643 126.754 31.9999 120.825 31.9999C117.975 31.9999 114.807 31.3781 112.958 30.6443L112.755 24.2517L113.895 23.9533C115.53 28.4305 117.658 30.0598 120.458 30.0598C122.84 30.0598 124.17 28.3932 124.17 26.6148C124.17 24.8861 123.169 23.8538 119.368 22.5107C115.834 21.267 113.275 19.7497 113.275 15.8694C113.275 12.1011 116.67 8.87988 122.282 8.87988C124.892 8.87988 127.362 9.32766 129.022 10.0738L129.263 15.6828ZM63.5363 15.5087C60.5212 13.5188 57.2652 14.3894 56.5937 15.4714C56.3657 19.0532 56.4164 24.5378 56.6698 27.2988C56.8344 29.127 57.3665 29.923 58.7602 30.1096L60.5591 30.234V31.4777H46.7248V30.234L47.7003 30.1096C49.0939 29.923 49.626 29.127 49.7907 27.2988C50.0567 24.3014 50.1073 18.0582 49.7907 14.5635C49.626 12.7353 49.0939 11.9394 47.7003 11.7528L46.7248 11.6284V10.7453L56.6573 8.85487L56.5433 13.9541C58.8616 8.70569 63.4479 8.02168 65.9689 9.48927L63.5363 15.5087Z" fill="#333333"/> </svg> </a> <span class="copy"> © 2024 Forbes Media LLC. 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{"@context":"https:\/\/schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Wer bekommt einen Ratenkredit?","acceptedAnswer":{"@type":"Answer","text":"<p>Wenn Du einen Kreditantrag stellst, schauen Banken normalerweise darauf, dass Du angestellt arbeitest, ein regelm\u00e4\u00dfiges Einkommen und eine gute Kreditw\u00fcrdigkeit (Bonit\u00e4t) vorweisen kannst. F\u00fcr Selbstst\u00e4ndige mag es daher bisweilen schwer sein, ein Darlehen zu bekommen.<\/p>\n<p>Wenn Du schon einmal Probleme hattest, Zahlungsverpflichtungen nachzukommen (z.B. mit Abos oder anderen Krediten), k\u00f6nnte es mit einem neuen Darlehen schwer werden. Denn Du hast dann vielleicht einen <a href=\"https:\/\/www.forbes.com\/advisor\/de\/kredit\/was-ist-schufa\/\" target=\"_blank\" rel=\"noopener\">Negativeintrag bei der Schufa<\/a> oder anderen Auskunfteien.<\/p>\n<p>Bei einigen Banken steigen die Chancen auf einen Kredit, wenn Du das <strong>Darlehen mit einer zweiten Person<\/strong> aufnimmst. Achte darauf, in welcher Beziehung der zweite Darlehensnehmer zu Dir stehen muss.<\/p>\n"}},{"@type":"Question","name":" Brauchst Du eine Kreditausfallversicherung?","acceptedAnswer":{"@type":"Answer","text":"<p>Die Angebote sind mit gro\u00dfer Vorsicht zu genie\u00dfen. Eine Kreditausfall-, Restschuld- oder Ratenversicherung ist eigentlich daf\u00fcr gedacht, Deine Raten zu \u00fcbernehmen, wenn Du den Job verlierst oder krank wirst.<\/p>\n<p>Jedoch kommen die Vertr\u00e4ge h\u00e4ufig mit vielen Ausschlussklauseln daher und sind oft unverh\u00e4ltnism\u00e4\u00dfig teuer. Laut <a href=\"http:\/\/dipbt.bundestag.de\/doc\/btd\/18\/108\/1810871.pdf\" target=\"_blank\" rel=\"noopener\">Bundesregierung<\/a> springt die Versicherung in weniger als 1 Prozent der F\u00e4lle wirklich ein.<\/p>\n<p>Besser ist es, Du sprichst im Fall von Zahlungsschwierigkeiten mit Deiner Bank und findest eine <strong>individuelle L\u00f6sung<\/strong>.<\/p>\n"}},{"@type":"Question","name":"Wonach richtet sich der Kreditzins?","acceptedAnswer":{"@type":"Answer","text":"<p>Die meisten Banken machen den Zins f\u00fcr Deinen Ratenkredit haupts\u00e4chlich an Deiner Kreditw\u00fcrdigkeit (Bonit\u00e4t) fest. Daf\u00fcr nutzen sie Daten von Auskunfteien wie Schufa, Infoscore oder Crif B\u00fcrgel. Diese geben unter anderem Auskunft dar\u00fcber, ob Du Deinen finanziellen Verpflichtungen (bislang) nachgekommen bist. Auch andere Faktoren k\u00f6nnen in die Bewertung einflie\u00dfen.<\/p>\n<p>Neben der Bonit\u00e4t machen einige Banken den Kreditzins zus\u00e4tzlich nach der Laufzeit oder H\u00f6he des Darlehens aus. Nimmst Du bspw. eine gr\u00f6\u00dfere Summen \u00fcber 7 Jahre oder l\u00e4nger auf, mag es sein, dass Du etwas mehr zahlen musst.<\/p>\n<p>Manche Banken legen eine <strong>Mindestbonit\u00e4t<\/strong> vorab fest: Schaffst Du diese H\u00fcrde, bekommst Du einen festen, meist recht g\u00fcnstigen Zins, der dann in geringerem Umfang nach Kreditlaufzeit oder Kredith\u00f6he variieren kann. Nachteil: Schaffst Du die H\u00fcrde nicht, bekommst Du keinen Kredit.<\/p>\n"}},{"@type":"Question","name":"Wof\u00fcr kannst Du einen Ratenkredit nutzen?","acceptedAnswer":{"@type":"Answer","text":"<p>Laut einer Ipsos-Untersuchung von 2019 haben die Deutschen Ratenkredite vor allem f\u00fcr den Autokauf, Elektronik, M\u00f6bel, Haushaltsger\u00e4te und Renovierungen aufgenommen. Aber auch die sogenannte <strong>Umschuldung<\/strong> ist ein h\u00e4ufiger Grund f\u00fcr einen Ratenkredit.<\/p>\n<p>Stell Dir vor, Du bist wegen einer einmaligen Ausgabe beim <a href=\"https:\/\/www.forbes.com\/advisor\/de\/girokonto\/\" target=\"_blank\" rel=\"noopener\">Girokonto<\/a> ins Minus gerutscht, willst aber nicht l\u00e4nger die vergleichsweise teuren Dispozinsen zahlen. Dann kann ein Ratenkredit von 1.000 vielleicht 2.000 Euro eine M\u00f6glichkeit sein.<\/p>\n<p>Bei den untersuchten Online-Darlehen handelt es sich um Ratenkredite f\u00fcr private Zwecke. Du kannst sie nicht nutzen, um etwa Dein Gesch\u00e4ft auf- oder auszubauen. Der genaue Kreditzweck im Rahmen der privaten Nutzen ist am Ende normalerweise egal. Finanzierst Du ein Auto, gibt es manchmal einen g\u00fcnstigeren Zins.<\/p>\n"}}]} </script> <script> window.postCodeRedirectLink = 'https://kreditvergleich.finanzcheck.de/banklist?refId=r1ODbtXbZgeM&subId=Hero'; </script> <div class="tippy-popover-container-bg-white"></div> <div class="tippy-popover-container-bg-black"></div> <div class="tippy-popover-container-star-rating"></div> <div class="tippy-popover-container-ed-icon"></div> </body> </html>

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