Our Financial Solutions
Our financial portfolio is designed to cover all aspects of your life. From small personal needs to large business investments, Integrat Kredit offers conditions that traditional banks cannot match.
Personal Loan for Anything (Unsecured)
Possible amount
2 000 € – 250 000 €
Interest rate
3 % p.a.
Duration
12 – 120 months
Our most popular product. You don't need to prove the purpose of the money. Want to travel? Need new appliances? Or just a financial reserve? This loan gives you complete freedom. Processing is free of charge, and the money is available almost immediately.
Main benefits:
- No guarantor required
- Fixed interest rate throughout the repayment period
- Free early repayment option
Housing and Reconstruction Loan
Possible amount
5,000 € – 100,000 €
Interest rate
3 % p.a.
Duration
24 – 240 months
Planning to buy a new apartment or renovate your current home? Our housing loans are a great alternative to a mortgage, often with much less bureaucracy. You do not need to pledge property for smaller amounts, and the approval process is significantly faster.
Main benefits:
- More favorable interest rate than a personal loan
- Funds drawn directly to your account
- Dedicated personal advisor
Car Loan (Vehicle Financing)
Possible amount
3,000 € – 80,000 €
Interest rate
3 % p.a.
Duration
12 – 96 months
Unlike regular leasing, with our car loan, you become the immediate owner of the vehicle right after purchasing it. You have no mileage limits and can insure the vehicle as you see fit. Applies to new and used cars, with no vehicle age limit.
Main benefits:
- Cash before buying the vehicle
- No comprehensive insurance required (for smaller amounts)
- The car is registered to you immediately
Consolidation Loan (Merging Loans)
Possible amount
up to 150,000 €
Interest rate
3 % p.a.
Duration
up to 144 months
Paying too much on installments from various credit cards, loans, and leases? Merge all your liabilities into one large and more favorable loan with us. Not only will you get a better interest rate, but your monthly installment can be reduced by up to half.
Main benefits:
- Only one clear monthly installment
- Reduction of total overpayment
- Possibility to increase the loan with additional cash
Loan for Entrepreneurs and Freelancers
Possible amount
5 000 € – 950 000 €
Interest rate
3 % p.a.
Duration
12 – 120 months
We understand the challenges faced by entrepreneurs. Whether you need to buy new machinery, software, inventory, or bridge a period with lower cash flow, we are here for you. We assess your real business potential, not just your tax return.
Main benefits:
- Approval even for starting entrepreneurs
- Flexible repayment schedule accounting for seasonality
- Option for tax-deductible interest
