Requirements for a 12000 Euro Loan

For example, a 12,000-euro loan can be used to finance a quick, compact car comfortably and securely. The installment loan offers the advantage that the borrower can act as a cash payer to a trader and thus receive attractive discounts.

It’s so easy to get a loan

Since the loans are paid for free use, such a loan is also suitable for a new home furnishings. However, before accepting a loan, bids should be compared exactly. With a loan of 12,000 euros, even small differences in interest rates can sometimes lead to high savings. The following providers currently offer the cheapest conditions for a 12000 euro loan.

With a maturity of 48 months, the front runner is currently the Camibank with an entry-level interest rate of 4.29 percent. Thus, a 12,000-euro loan can already be done with a monthly rate of 227.07.

The interest rate depends on the creditworthiness of the borrower.

The interest rate depends on the creditworthiness of the borrower.


This maximum is 10.99 percent. Since this is the annual percentage rate, there are no additional costs. The processing fee is already included in the interest rate. Of course, Camibank also offers other loan amounts. Depending on the creditworthiness, loan amounts of up to € 50000 are possible at any time. In terms of maturity, the borrower can flexibly choose between 12 and 84 months.

Second place is taken up by the credit offer of A 12,000-euro loan with a maturity of 48 months is offered at an annual interest rate of between 4.35 and 10.90 percent. As with Camibank, this is also dependent on the creditworthiness of the borrower. A special feature of are the high loan amounts that are offered here. Depending on the existing credit rating, loans of up to 200,000 euros are possible.

The offer from Credit Europe Bank also shines through its favorable entry interest rate. In the best case, this is 4.40 percent and the worst at 11.95 percent. So the loan is possible from a monthly rate of 272.64 euros. On request, Credit Europe Bank also offers loans between 2500 and 50,000 euros. As usual, the borrower can choose between maturities of 12 and 84 months.

12000 euro loan

12000 euro loan


The loan can be applied for by anyone over the age of 18 who has permanent residence within the Federal Republic of Germany. It does not matter whether the borrower is an employee or self-employed. Important is only a regular income, which is sufficient to pay off the monthly installments. In addition, employees must have a permanent employment contract that has existed for at least six months with the current employer. When applying, the corresponding documents must be submitted as proof. Employees can submit the last two pay slips. If you are self-employed or self-employed, simply send in the latest income tax returns. In addition, a private credit query is carried out when the application is submitted. Therefore, it is important that there are no negative entries in the private credit.

For all loans offered, the borrower can make special redeemable payments after a period of 6 months. In addition, the banks offer each a residual debt insurance for hedging. The costs and exact terms may vary depending on the bank. Therefore, one should read before concluding such insurance, the individual conditions exactly.