As part of the online check, your request will be checked based on the information you have entered. Your request is Credit bureau-neutral, ie it serves the sole purpose of calculating a specific loan offer for you (interest rate, monthly rate, total costs). This non-binding loan offer will be reserved for you to submit for four weeks.
Which documents have to be submitted?
For final approval of your application, please enclose the documents according to your personal checklist. This is individually tailored to your situation. If original documents are not expressly requested therein, copies are sufficient. Originals will be returned immediately. Additional evidence may be required in individual cases.
What are the conditions at Capital lender?
You receive a fixed interest rate listed transparently at Capital lender. The conditions are neither dependent on creditworthiness nor dependent on the term.
Can I pay back early or make special payments?
You can repay the loan early at any time or repay your loan faster with special payments. This saves you interest and therefore cash. This is absolutely free of charge for you, as we currently do not use the statutory calculation of a prepayment penalty.
What personal data do I provide and when is it stored?
In the online check, we ask you to fill in information on the following topics so that we can check your loan request online: Name, address and contact details Current employment relationship (e.g. employer, address, date of entry, practiced profession) Net income and other income (e.g. mini-job, rental income , Maintenance, pension) Expenditures of the household (e.g. rent, financing, house and real estate) Bank account (required for the loan payment and the payment in installments) Your details are to be entered by yourself or by you and your co-applicant personally and will only be saved after your express consent. Of course, your data is subject to data protection and will only be used to process your credit request.
What can I do if I cannot print?
We would also be happy to send you the loan application by post. Please just give us a short feedback.
How can I protect myself and my family in an emergency?
With our loan protection you protect yourself and your family against unemployment, inability to work and death that are not your fault. Simply select the protection you want in the online check. Do I have to take out loan protection? No, it is of course entirely up to you to make your decision; protection is always voluntary. We just want to draw your attention to possible risks and offer you a good and affordable solution.
Can I withdraw from the loan agreement?
You have a legal right of revocation. The cancellation period is 14 days. Requirements for a successful revocation: You repay the loan amount within this period and the revocation must be made in writing. In addition, you can repay your loan early at Capital lender at any time. This is absolutely free of charge for you, as we currently do not use the statutory calculation of a prepayment penalty.