Combine loan payments
Bring several current loan payments into one potential financing arrangement.
Loans and financingPrivate clients
Several monthly payments? Calculate first, then decide.
Refinancing can make existing debts easier to manage or change the monthly payment. It only makes sense when outstanding balances, settlement costs, the term and total cost are compared in full.
No obligationAvailable across GermanyGerman / Turkish / English
Problem · Benefit · Decision
What this financing can solve for you.
Focus on total cost, not just a lower monthly payment
Calculate settlement costs properly
Include the outstanding balance and any early-repayment charges.
Restructure the monthly payment
Balance the monthly cost and term against your budget.
Getting specific
What we will clarify together.
A sound decision starts with the right facts, not a blanket price promise.
- 01
Collect statements showing the outstanding balances
- 02
Record current monthly payments and remaining terms
- 03
Pre-assess creditworthiness and monthly household surplus
- 04
Compare the new total cost with the existing agreements
Important: A lower monthly payment can result in a higher total cost if the term is longer. Refinancing is not automatically cheaper.
Frequently asked questions
A few answers before you enquire.
01When can refinancing make sense?
It can make sense when the new total cost, including settlement charges, is lower or better suited to your plan. A lower monthly payment alone is not enough.
02Can an overdraft be included?
Depending on the bank and your creditworthiness, a costly overdraft facility may also be refinanced.
03Is approval guaranteed?
No. Every financing arrangement is subject to the bank’s creditworthiness and document checks.
Free enquiry
Request a refinancing calculation.
How many loans do you currently have, and what are the outstanding balances and monthly payments?
- Initial assessment with no obligation
- German / Turkish / English
- We only reply through the channel you choose