You can get a loan from various sources depending on your location and needs. Here are some options:
- N26 Credit : If you have an N26 account, you can get a loan instantly from €1,000 to €25,000 with flexible monthly payment plans from 12 to 60 months. The process is paperless, and you get your loan directly into your N26 account after electronic signature confirmation
- Banks in Germany : You can apply for personal loans at banks such as Sparkasse Westmünsterland or Commerzbank. Requirements typically include being over 18, having permanent employment, and providing proof of income and identity. Commerzbank offers flexible loan amounts, terms, and special repayment options, with online application and fast approval
- Loan Comparison Services in Germany : Platforms like Verivox and Smava allow you to compare loan offers from multiple banks. Verivox provides personal credit advisors to help you through the process, including application and identity verification, especially useful if you do not speak German
- Wells Fargo (USA) : If you have a Wells Fargo account open for at least 12 months, you can apply for personal loans from $3,000 to $100,000 with terms up to 84 months. The application is online or by phone, with same-day decisions and funds often available on the day of signing
- Retailer Financing : Some specialist retailers offer financing schemes for specific purchases like appliances or cars. It’s advisable to compare these offers with bank loans to find the best conditions
In summary, you can get a loan from banks, online lenders, or specialized financial services depending on your country and preferences. For Germany, N26, Sparkasse, Commerzbank, Verivox, and Smava are good starting points. In the US, Wells Fargo is a notable option
