Service fees
Investor fees
Investing in loans
The first 6 months of investing are free. After that, an Investor service fee of €1/month applies for portfolios valued at €0.01 or more.
The secondary market fee is applied to the loan seller but is deducted from the buyer upon purchasing the claim rights to a valid loan agreement, i.e., until the loan agreement is terminated
1% of the transaction amount
The secondary market fee is applied to the loan seller but is deducted from the buyer upon purchasing the claim rights to a terminated loan agreement
3% of the transaction amount
Updated 2024-09-04
Consumer loans for individuals up to €35,000
Administration fee
1.0% – 8.5% of the loan amount
Monthly administration fee
0.1% – 1.85% per month of the loan amount
Early loan repayment
0.5% – 1.0% compensation on the portion of the consumer loan repaid before the agreed term (calculation rules detailed in Articles 17(2) and 17(3) of the Consumer Credit Law)
Consumer loan offers are personalized and depend on the client’s financial situation and credit history. Typical example for consumer loan pricing. Borrowing €5,000 with a 60-month term at a fixed annual interest rate of 6%, an administration fee of 1.40%, and a monthly administration fee of 0.22% of the outstanding loan balance, results in an APR (Annual Percentage Rate) of 9.64%. The monthly installment would be €102.92, the disbursed loan amount €5,000, and the total repayable amount €6,175.22.
Updated 2025-09-01
Mortgage loans for individuals with real estate collateral up to €100,000
Administration fee
Not applicable
Monthly administration fee
0.1% – 0.2% per month of the loan amount
Early loan repayment
Statutory fee (compensation for early repayment of a mortgage loan before the end of the loan agreement term, calculated according to the legal provisions), but not exceeding 3% of the repaid loan or its portion
Certificates, statements, consents, confirmations
€20
Processing contract-related requests and preparing documents
€50
Fee for issuing consent for re-mortgaging the property to another creditor
€100
Contract amendment fee
€150
Standard unilateral mortgage release within 5 business days
€20
Urgent unilateral mortgage release within 2 business days
€50
Mortgage loan offers are personalized and depend on the client’s financial situation and credit history. Typical example for mortgage loan pricing. Borrowing €25,000 with a 72-month term at a fixed annual interest rate of 6%, an administration fee of 0.00%, and a monthly administration fee of 0.10% of the outstanding loan balance, results in an APR (Annual Percentage Rate) of 8.39%. The monthly installment would be €439.32, the disbursed loan amount €25,000, and the total repayable amount €31,631.20.
Updated 2024-09-04
Business loans up to €200,000
Administration fee
1.0% – 5,0% of the loan amount
Monthly administration fee
0.1% – 0.5% per month of the loan amount
Early loan repayment
3% compensation on the portion of the loan repaid before the originally agreed term
Standard unilateral mortgage / pledge release within 5 business days
€20
Urgent unilateral mortgage / pledge release within 5 business days release within 2 business days
€50
The cost of a business loan depends on the company’s operating history, financial situation, credit history, loan amount and term, collateral, and other relevant factors.
Updated 2025-09-01