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Credits in Europe – North & West

North-West Europe covers the Nordic and Baltic countries, Germany, Austria, Switzerland, the Netherlands, France and the United Kingdom. Lending here is tightly regulated: lenders check income and credit registers carefully, the cost of consumer credit is capped by law in several countries, and most offers are available only to residents with a local bank account and ID. Germany, Austria, the Netherlands, France, Finland and the Baltic states use the euro, while Sweden, Norway, Denmark, the United Kingdom and Switzerland lend in their own currencies. Online applications with electronic identification are standard, and in the Nordic countries loan brokers that pass one application to many banks are especially common. Choose a country below or browse by type: fast credits, consumer credits, mortgages and online banks.

Credits in Germany

| Comments 6
DE
In Germany credit costs are shown as the effective annual rate, the local APR. See the guide below.
Credits in Germany
total:

51

German banks, online lenders and loan comparison services in one catalogue: fast and consumer loans, credit cards, long-term loans, business finance, current and savings accounts. Each card shows the main terms and the provider’s own example.

Kredite in Deutschland.

Kredite in Deutschland in einem Katalog: Schnell- und Ratenkredite, Kreditkarten, langfristige Kredite und Baufinanzierung, Geschäftskredite sowie Giro-, Geschäfts- und Festgeldkonten. Jede Karte zeigt die wichtigsten Konditionen und das Beispiel des Anbieters.

Page last edited: 12.11.2026

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Credits in Austria

| Comments 5
AT
In Austria credit costs are shown as the effective annual rate, the local APR. See the guide below.
Credits in Austria
total:

12

Austrian banks, brokers and financial services in one catalogue: credit cards with instalments, consumer loans, current, business and savings accounts and finance apps. Each card shows the main terms and the provider’s own example in German.

Kredite in Österreich.

Kredite in Österreich in einem Katalog: Verbraucherkredite von Banken und Vermittlern, Kreditkarten mit Teilzahlung, Giro-, Geschäfts- und Sparkonten sowie Finanz-Apps. Jede Karte zeigt die wichtigsten Konditionen und das Beispiel des Anbieters.

Page last edited: 12.11.2026

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Credits in Switzerland

| Comments 0
CH
In Switzerland credit costs are shown as the effective annual rate, capped by law. See the guide below.
Credits in Switzerland
total:

6

Swiss credit cards with an instalment option, personal loans, loan comparison services, prepaid cards and business accounts in one catalogue. Each card shows the main terms and the provider’s own description in German.

Kredite in der Schweiz.

Kredite in der Schweiz in einem Katalog: Kreditkarten mit Teilzahlungsoption, Privatkredite, Kreditvergleiche, Prepaid-Karten und Geschäftskonten. Jede Karte zeigt die wichtigsten Konditionen und die Beschreibung des Anbieters.

Page last edited: 12.11.2026

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Credits in Netherlands

| Comments 0
NL
In the Netherlands credit costs are shown as JKP, the local APR, capped by law. See the guide below.
Credits in the Netherlands
total:

26

Dutch lenders, brokers, banks and investment platforms in one catalogue: quick and personal loans, business finance, mortgages, savings and business accounts. Each card shows the main terms and the provider’s own example in Dutch.

Leningen in Nederland.

Leningen in Nederland in één overzicht: snelle en persoonlijke leningen, zakelijke financiering, hypotheken, spaar- en zakelijke rekeningen en beleggen. Elke kaart toont de belangrijkste voorwaarden, de rente en het voorbeeld van de aanbieder.

Page last edited: 12.11.2026

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Credits in France

| Comments 2
FR
In France the cost of credit is shown as TAEG, the local APR. See the guide below before choosing.
Credits in France
total:

12

French loan brokers, online banks and savings platforms in one catalogue: consumer loans, debt consolidation, current and business accounts. Each card shows the main terms and, for loans, the TAEG range and the provider’s own example.

Prêts en France.

Prêts en France dans un seul catalogue : crédits à la consommation et rachat de crédits via des courtiers, comptes en ligne, carte prépayée, comptes à terme et placements. Chaque fiche indique les conditions principales et, pour les prêts, le TAEG et l’exemple du prestataire.

Page last edited: 12.11.2026

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Credits in United Kingdom

| Comment 1
GB
In the UK loans show a Representative APR, the rate most customers get. See the guide below.
Credits in the United Kingdom
total:

7

A small UK catalogue: short-term and personal loans through FCA-authorised brokers, business accounts, a travel debit card and a investment platform. Each card shows the main terms and fees and, for loans, a representative cost example.

Loans in the United Kingdom.

Lenders and credit brokers in the UK must be authorised by the Financial Conduct Authority, and short-term loans fall under a price cap. Before applying, check the representative example, the total amount repayable and whether the provider runs a soft search first.

Page last edited: 12.11.2026

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Credits in Denmark

| Comments 0
DK
In Denmark the cost of credit is shown as ÅOP, the local APR. See the guide below before choosing.
Credits in Denmark
total:

37

Danish banks, online lenders and loan comparison services in one catalogue: consumer loans, credit lines, loans with a guarantor, business finance and debt consolidation. Each card shows the amount, term, ÅOP and the lender’s own cost example.

Lån i Danmark.

Lån i Danmark i ét katalog: forbrugslån og kreditter, lån med kautionist, erhvervslån, samlelån og boliglån fra banker, långivere og låneformidlere. Hvert kort viser beløb, løbetid, ÅOP og långiverens eget priseksempel på dansk.

Page last edited: 12.11.2026

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Credits in Norway

| Comments 10
NO
In Norway the cost of credit is shown as effektiv rente, the local APR. See the guide below before choosing.
Credits in Norway
total:

40

Norwegian lenders, banks and loan comparison services in one catalogue: consumer loans, credit cards, refinancing, services that check your credit score and debts. Each card shows the amount, term, rate and the lender’s own cost example.

Lån i Norge.

Lån i Norge i én katalog: forbrukslån og kredittkort, bedriftslån, refinansiering og lån med sikkerhet i bolig fra banker, långivere og samt tjenester som sjekker kredittscore og gjeld. Hvert kort viser beløp, løpetid, rente og långiverens eget kostnadseksempel på norsk.

Page last edited: 12.11.2026

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Credits in Sweden

| Comments 0
SE
In Sweden the cost of credit is shown as effektiv ränta, the local APR. See the guide below before choosing.
Credits in Sweden
total:

59

Swedish banks, lenders and loan comparison services in one catalogue: personal loans, credit cards, business finance, debt consolidation and a lending platform. Each card shows the amount, term, rate and the lender’s own cost example.

Lån i Sverige.

Lån i Sverige i en katalog: privatlån, kreditkonton och kreditkort, pantlån, företagslån och samlingslån från banker, långivare och låneförmedlare, samt sparkonto, investering och kreditkoll. Varje kort visar belopp, löptid, ränta och långivarens eget prisexempel på svenska.

Page last edited: 12.11.2026

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Credits in Finland

| Comments 0
FI
In Finland the cost of credit is the todellinen vuosikorko, the local APR. See the guide below before choosing.
Credits in Finland
total:

49

Finnish lenders, banks and loan comparison services in one catalogue: fast loans, credit lines and credit cards, business finance, long-term loans and debt consolidation. Each card shows the amount, term, rate and the lender’s own cost example.

Lainoja Suomessa.

Lainat Suomessa yhdessä luettelossa: pikalainat, joustoluotot ja luottokortit, yrityslainat, pitkäaikaiset lainat ja lainojen yhdistäminen sekä luottotietojen tarkistus. Jokaisessa kortissa on lainasumma, laina-aika, korko ja lainanantajan oma esimerkki suomeksi.

Page last edited: 11.11.2026

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Credits in Estonia

| Comments 0
EE
In Estonia the cost of credit is shown as KKM, the local APR. See the guide below before choosing.
Credits in Estonia
total:

17

Banks, non-bank lenders and brokers operating in Estonia in one catalogue: small loans and credit lines, a business loan, long-term loans and car finance. Each card shows the amount, term, rate and the lender’s own cost example in Estonian.

Laenud Eestis.

Laenud Eestis ühes kataloogis: väikelaenud ja krediidiliinid, ärilaen, pikaajalised laenud ning autolaenud pankadelt, laenuandjatelt ja maakleritelt. Igal kaardil on summa, tähtaeg, intress ja laenuandja enda laenunäide eesti keeles.

Page last edited: 12.11.2026

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Credits in Latvia

| Comments 2
LV
In Latvia the cost of credit is shown as GPL, the local APR. See the guide below before choosing.
Credits in Latvia
total:

27

Banks, non-bank lenders and brokers operating in Latvia in one catalogue: consumer loans and credit lines, long-term loans and refinancing, loans secured by real estate. Each card shows the amount, term, rate and the lender’s own cost example.

Kredīti Latvijā.

Kredīti Latvijā vienā katalogā: patēriņa kredīti un kredītlīnijas, ilgtermiņa aizdevumi un kredītu apvienošana, aizdevumi pret nekustamā īpašuma ķīlu no bankām, nebanku kreditoriem un brokeriem. Katrā kartītē – summa, termiņš, likme un kreditora sniegtais izmaksu piemērs.

Page last edited: 11.11.2026

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Credits in Lithuania

| Comments 0
LT
The cost of credit in Lithuania is shown as BVKKMN, the local APR. See the guide below before choosing.
Credits in Lithuania
total:

18

Lenders operating in Lithuania in one catalogue: non-bank consumer loans and credit lines, a bank, brokers and peer-to-peer lending platforms. Each card shows the amount, term, APR (BVKKMN) and the lender’s own cost example in Lithuanian.

Paskolos Lietuvoje.

Paskolos Lietuvoje viename kataloge: greitieji ir vartojimo kreditai, kredito linijos, banko, brokerių ir tarpusavio skolinimo platformų pasiūlymai. Kiekvienoje kortelėje – suma, terminas, BVKKMN ir kredito davėjo pateiktas kainos pavyzdys lietuvių kalba.

Page last edited: 12.11.2026

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Attention! Borrowing money costs money. Every loan is a financial commitment: assess what you can afford and borrow responsibly.