The comparison with the SCHUFA-neutral label: Check24↗ — two-thirds rates visible, inquiries without a score trace until a real contract.
Comparing Without Traces — and Two Traps
Compare only via condition inquiries (SCHUFA-neutral). The traps: the shop-window rate from 0.9% is not for you, and the pushed payment-protection insurance.
✓ Verified: 15/08/2026
WHAT TO DO
› Details and tips
👨🏻💻
Max recommends:
My bank offered 6.9 — the comparison showed 4.2 at a competitor. The printout on the adviser desk turned 6.9 into 4.5 in one conversation.
👩🏼💼
Lea recommends:
Set the term so the payment fits with slack, then repay early: early repayment of consumer loans costs at most 1 percent of the remaining balance.
FREQUENTLY ASKED QUESTIONS
My own bank loan is more convenient — pay the premium? ▾
Convenience usually costs 1–3 percentage points. A conditions inquiry via comparison commits you to nothing — get the numbers and negotiate with your bank.
What is the 2/3 rate in the ads? ▾
The legally mandatory rate that two thirds of customers actually get — unlike the shop-window from 0.9 percent. Compare offers by it alone.
What is wrong with payment protection (Restschuldversicherung)? ▾
Up to a third of loan costs with narrow payout terms; banks sell it for the commission. The loan must not depend on it; death/illness risk is covered cheaper by separate term life insurance.