1 Annual NIR of 6.95% (7.18% APR). Representative example for a loan of €10,000 over 60 months: 59 monthly repayments of €197.78 and a final repayment €197.53. No arrangement fee. Total amount to pay (capital + interest): €11,866.55. Total cost of loan (interests): €1,566.55. French amortisation schedule.
Fee for early repayment (full and/or partial): 0.50% (if there is less than 1 year left of the loan term) or 1% (if there is more than 1 year left) of the loan amount that is repaid early.
At your fingertips
We need a few details from you to study your application.
- Send us your latest payslip, tax return and employment history report.
- You must be employed or a pensioner.
How much money can you request and how long do you have to pay it back?
The minimum amount is €300 and the maximum amount is €24,000.
You can pay it back within a period from 12 months to 5 years, as long as you are over 18 years old and your age plus the selected term does not exceed 70 years.
What interest rate does the loan have?
Interest rate from 6.95% NIR (7.18% APR). The final interest rate of the loan may vary according to the risk analysis carried out by the bank. Upon signing the agreement, this interest rate will remain the same throughout the entire loan term.
Representative example for a loan of €10,000 over 60 months: you will have to make 59 monthly repayments of €197.78 each and a final repayment €197.53. No arrangement fee. Total amount to pay (capital + interest): €11,866.55. Total cost of loan (interests): €1,566.55. French amortisation schedule.
What fees does the personal loan have?
- Application fee: 0%
- Arrangement fee: 0%
- Applicable fee for early repayment (full and/or partial): 0.50% (if less than one year left until the end of the loan term) or 1% (if more than one year left) of the amount of the loan that is repaid in advance.
How can you apply for a personal loan?
You can apply for your personal loan in the Customer Area of the website and app. If you're not an Openbank customer yet, open a current account in just a few simple steps.
Need more information?
We make it simple. Call us on (+34) 91 276 21 36 or (+34) 900 36 53 66 and our team of professionals will help you with everything you need.