{
  "id": 5029369,
  "title": "Finanzierung: Die besten Ratenkredite für Privatpersonen, falls das Geld mal knapp ist",
  "url": "https://urgent.news/2026/09/02/finanzierung-die-besten-ratenkredite-fur-privatpersonen-falls-das",
  "topic": "business",
  "section": "Business",
  "published": "2026-09-02T06:04:48.000Z",
  "source": {
    "name": "Handelsblatt",
    "slug": "handelsblatt",
    "url": "https://www.handelsblatt.com/finanzen/banken-versicherungen/banken/privatkredit-die-besten-ratenkredite-falls-das-geld-mal-knapp-ist/100244610.html"
  },
  "original_language": "de",
  "account": "When faced with a tight monthly budget, online payment providers lure customers with the option to pay in installments. By ticking a box at checkout, purchases are instantly ordered. However, this often comes at a price. Sebastian Fricke, a specialist in installment loans at Dr. Klein in Erfurt, explains that while monthly installments may look low, the interest rate is often very high. For example, a small loan of 500 euros could cost 80 euros in interest alone. In addition, these loans have other consequences: \"Taking too many installment loans lowers your creditworthiness,\" Fricke warns. That's why he advises against installment loans for small purchases. For larger expenses or to bridge a financial gap, a larger loan should be taken that covers the expenses and leaves some buffer for unforeseen events. Even if multiple loans are already running, consumers have the legal right to pay off loans early. They can seek help from consumer centers, which offer independent and free advice. Financiers like Dr. Klein also offer free first meetings where debtors can calmly calculate what is realistic for them. The FMH-Finanzberatung compared the 21 best installment loans for the Handelsblatt, finding that 16 of them adjust the interest rate to the borrower's creditworthiness, while five offer the same conditions to all customers. The analysis compares interest rates for a 15,000-euro loan over four years. Some lenders require opening a checking account, only lend to existing customers, or have fixed loan amounts. In general, installment loans have become slightly more expensive compared to last year. The average interest rate rose from 7.07% to 7.29%. The ranking shows Hypovereinsbank as the best, with 5.8% interest for 15,000 euros, and a loan term between one and ten years. Customers can borrow between 2,500 and 75,000 euros. Second place belongs to BBBank at 5.99%, but customers must first open a checking account. They can borrow between 5,000 and 75,000 euros for two to ten years. SKG Bank and Bank of Scotland also received a \"very good\" rating. The Openbank Germany ranking leads for borrowers with the best credit rating, charging just 2.99%. The loan amount ranges from 1,000 to 75,000 euros, and the repayment period is between one and eight years. The second and third places are held by Deutsche Bank at 3.25% and Consors Finanz and Targobank, respectively. The latter's installment rates are slightly better than their two-thirds rates, but they have become more expensive overall. Last year, the average interest rate was 5.54%, now it's 5.93%. However, this does not mean there's no credit check. If it's positive, the cooperative Ethikbank currently offers the best conditions. For a 15,000-euro loan, consumers pay 5.54% interest. The minimum loan amount is 5,000 euros, while the maximum is 50,000 euros. The repayment period ranges from two to seven years. The third-placed PSD Bank West has an effective interest rate of 5.63%, slightly higher, but a lower minimum loan of 2,500 euros and a longer repayment period of up to eight years.",
  "summary": "Wer sich Geld leihen muss, sollte sich lieber einmalig verschulden, als mehrere Kleinkredite aufzunehmen. Die FMH-Finanzberatung hat die besten Ratenkredite verglichen.",
  "key_points": [
    "Installment loans often have high interest rates, making monthly payments look low.",
    "Taking too many installment loans lowers creditworthiness, warns specialist Sebastian Fricke."
  ],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}