Discover our great loan rates

Whether you’re looking to buy a car, complete home improvements or bring all your payments into one place, a personal loan could help you get there faster.

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Personal loans

  • If you find a lower rate on a personal loan, we'll match it.
  • Borrow between €3,000 - €50,000 with a loan duration between 12-84 months.
  • Aion Bank membership not required to apply for a personal loan.
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Vehicle loans

  • Finance your vehicle with a loan rate of 3.90%.
  • Loans for cars, motorbikes, motorhomes, caravans and more.
  • Borrow between €3,000 - €50,000 with a loan duration between 12-84 months.
  • Aion Bank membership not required to apply for a vehicle loan.

 

Vehicle Loan Example: for an instalment loan with a fixed debit interest rate of 3.90% and a total loan amount of €10,000, the total amount for repayment is €10,813.48,  total cost of credit €813.48, 48 equal monthly instalments of €226 and annual percentage rate of 3,97%. Calculation done as of March 5, 2021 based on a representative example.

 

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Home improvement loans

  • Finance your home improvements with a loan rate of 3.50%.
  • Borrow between €3,000 - €50,000 with a loan duration between 12-84 months.
  • Aion Bank membership not required to apply for a home improvement loan.

 

Home Improvement Loan Example: For an instalment loan of 4 years with a fixed debit interest rate of 3,50% and a total loan amount of €10,000, the total amount to be repaid is €10,743 and the total cost of credit is €743. The repayment is made in 48 equal monthly instalments of €224 and the annual percentage rate is 3,62%. This promotional annual percentage rate is only available until 30.09.2021. Calculation done as of 16 March 2021 based on the aforementioned representative example.

 

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Loan refinance

Loan refinancing can help you save money.

  • If you find a lower rate, we will match it.
  • Borrow between €3,000 - €50,000 with a loan duration between 12-84 months
  • Reduce your monthly repayments.
  • Manage one repayment a month.
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Credit cards

  • A maximum limit of €10,000.
  • Add your card to Google Pay or Apple Pay in just a few clicks.
  • Request a physical card in the app for no extra cost.
  • All included in your Premium Membership with no additional fees.
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Overdrafts

  • The benefit of only paying interest on the credit you use.
  • Pay no extra cost, other than interest.
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What you need to know before you apply for a loan

  • You can borrow up to €50,000 online with a loan duration between 12-84 months and one of the best rates in market: 4.89%.
  • We'll verify your income automatically to ensure a smooth process.
  • You can easily share the information we need to verify your income by electronically using a secured communication channel.
  • If your loan is approved, identify yourself fully digitally via your eID card and your loan will be deposited on the bank account of your choice.
  • If you want to repay your loan early, we don't charge any repayment fees.

 

Personal Loan Example: for an instalment loan with a fixed debit interest rate of 4,89% and a total loan amount of €10,000, the total amount for repayment is €11,032.73,  total cost of credit €1,032.73, 48 equal monthly instalments of €230 and annual percentage rate of 5,02%. Calculation done as of July 9, 2020 based on a representative example.

 

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Loans over €50,000

Frequently Asked Questions

Do I need to submit collateral if I apply for a loan?

We currently don't ask you to submit collateral for any of our loans.

Do you charge any fees for loans?

We want to make banking as simple as possible, so there are no fees on our loans. The only cost you will incur is interest. This means you'll always know the exact cost before you sign a contract with us.

What type of loan is best for me?

An overdraft is a facility that gives you an extra amount to use if your account reaches zero. This is a flexible way to deal with additional expenses that can come up. A personal loan is a fixed lump sum you borrow over a set period of time with a set amount of interest. You repay the loan in monthly instalments that get taken out on the same day every month.

How do I repay my personal loan?

We will automatically take your repayments from your current account on the date agreed in your contract. You can check your payment date when you click on the loan in your app.

How much can I borrow on a personal loan?

We offer personal loans up to 50,000 EUR. The amount you can borrow depends on your creditworthiness and repayment capacity.

Why a personal loan might work for you

A personal loan might be right for you if you want to get started with important plans or goals such as travel, redecorating your house or studies. A personal loan can also help bridge any financial gaps when the unexpected happens. However, always be aware that borrowing money costs money, so consider your personal situation carefully before applying.

How can I get a personal loan?

You can apply for a personal loan via our fully digital application on our website. If you're a member you'll also be able to apply using our app. If you're approved you'll receive the money on your account the same business day.

How long can I take a loan out for?

You can take out a loan for up to 84 months.

 

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