Question 1

What are current installment loan rates in 2026?

Accepted Answer

Current rates February 2026: Best offers from 0.68% APR (top credit only), very good credit 3-5%, good credit 5-7%, average 6.20%, moderate credit 7-10%. The ECB deposit rate is 2.00%, enabling favorable loan conditions.

Question 2

How do I get the lowest interest rate?

Accepted Answer

Tips for low rates: 1) Check SCHUFA before applying, 2) Use purpose-specific loans (car loans are cheaper), 3) Choose shorter terms, 4) Add a second borrower, 5) Compare multiple offers, 6) Use online lenders. Each factor can save 0.5-2% in interest!

Question 3

What's the difference between Sollzins and APR?

Accepted Answer

Sollzins is the base interest rate. The APR (effektiver Jahreszins) includes all costs: base rate plus fees. Always compare using the APR - it's legally required and shows the true loan cost.

Question 4

Are very low rates (under 1%) legitimate?

Accepted Answer

Yes, but with conditions: Only for top creditworthiness, often for specific purposes or amounts, may require additional products. Warning signs: Upfront fees, loans without checks, pressure to sign quickly. Always compare the effective APR.

Question 5

Is refinancing worthwhile at current rates?

Accepted Answer

Consider refinancing if: Old loan is 2%+ more expensive than current offers, remaining term over 12 months, prepayment fee doesn't eat up savings. Example: 10,000€ remaining, 24 months, old rate 9% vs. new 6% = ~300€ savings.

Question 6

Which term offers the best rates?

Accepted Answer

Generally: Shorter terms = lower rates. At 12-24 months, often 0.3-0.5% better than 60+ months. BUT: The payment must be affordable! Choose the shortest term where payment is max. 35% of your disposable income.

Question 7

Does loan amount affect the interest rate?

Accepted Answer

Yes, indirectly: Small loans (under 3,000€) often have higher rates. Optimal: 5,000-30,000€ for best conditions. Very large loans (over 50,000€) may also be more expensive due to higher risk. The sweet spot is mid-range amounts.

Question 8

How will rates develop in 2026?

Accepted Answer

Forecast: ECB has lowered rates (deposit rate 2.00%), further slight decreases possible. For consumers: Loan rates should remain moderate, good time for borrowing or refinancing. But rates can change - don't wait too long if you need a loan.

Credit Level	Rate Range	SCHUFA Score	10,000€ / 36 mo.
Excellent	0.68% - 3%	97-100	from 282€/mo
Very Good	3% - 5%	90-97	from 291€/mo
Good (Average)	5% - 7%	80-90	from 305€/mo
Fair	7% - 10%	70-80	from 319€/mo

Installment Loan 2026Low Interest from 0.68%

Current Rates February 2026

Rates by Credit Score 2026

Find Your Personal Rate

6 Tips for Lowest Rates

Check SCHUFA

State Purpose

Short Term

Add Co-borrower

Compare!

Go Online

Frequently Asked Questions

What are current installment loan rates in 2026?+

How do I get the lowest interest rate?+

What's the difference between Sollzins and APR?+

Are very low rates (under 1%) legitimate?+

Is refinancing worthwhile at current rates?+

Which term offers the best rates?+

Does loan amount affect the interest rate?+

How will rates develop in 2026?+

Secure Your 2026 Loan Now

More Loan Comparisons