Why should you choose ERAZUS?
We offer customized financing solutions with a simple, fast and completely transparent process.
Speed
Approval in less than 24 hours and transfer directly to your account.
Simplicity
100% online, without complicated documentation.
Security
Guaranteed data protection and encrypted transactions to the highest standards.
Flexibility
Customized solutions tailored to your needs and financial situation.
Over 10,000 satisfied customers
They trust us when it comes to fast and transparent financing.
Our credit solutions
We offer a comprehensive range of customized loans for every financial need.
Privatkredit
Flexible financing for all your projects, from vacations to the purchase of consumer goods.
2.000€ – 200.000€
Effective annual interest rate from 3%
Car loan
Finance the purchase of your new or used car with adjusted monthly installments.
5.000€ – 75.000€
Effective annual interest rate from 3,5 %
Student loan
Support your studies with advantageous conditions and deferred repayment.
1.000€ – 50.000€
Effective annual interest rate from 2,8 %
Debt consolidation
Consolidate your debts into a single reduced monthly payment and simplify the management of your budget.
5.000€ – 250.000€
Effective annual interest rate from 3,2 %
Apply for a loan today to build a more secure financial future.
Get quick approval and apply for between €2,000 and €100,000 at an exceptional interest rate. Your financial future is our priority.
Example for a loan amount of €10,000 over 24 months at a fixed effective annual interest rate of 3% (fixed nominal interest rate of 3%), without optional insurance:
- 24 monthly installments of €429.81
- Total amount payable by the applicant: €10,315.49
Real estate loan
Finance your real estate project at the best market conditions and with personal support.
Competitive interest rates
Benefit from the lowest interest rates on the market, starting at 2.1%.
Financing up to 100 %
Receive up to 100% of the property value (in some cases including notary costs)
Flexible term
Choose the term that suits you between 5 and 30 years.
Mortgage calculator
Use our calculator to calculate your monthly installments based on the desired amount and term.
Crowdfunding solutions
We support specific projects and contribute to economic development with our responsible investment solutions.
Social projects
Participation from € 1,000
|
Social impact
Finances social and environmental initiatives that have a direct positive impact on local communities.
Flexible participation
Real estate development
Selected projects
|
Local economy
Participate in the financing of innovative real estate projects that contribute to urban development and sustainable living.
From € 10,000
Corporate financing
Support for SMEs
|
Sustainable growth
Support innovative companies and help create jobs by financing their development and expansion projects.
From 25.000 €
Individual advice from an expert
Our consultants will help you find projects that match your values and your financial resources.
How does it work?
Get your loan quickly and easily in just a few steps.
Fill out the form
Enter your personal details and the desired amount in our secure online form.
Get the authorization
Receive fast provisional approval thanks to the immediate processing of your application.
Electronic signature
Sign your loan agreement securely online via our certified partner platform.
Payment of Funds
Funds are paid into your bank account within 48 hours of signing the contract
Are you ready to start your project?
Your individual financing is just a click away.
Our financial partners
We work with leading financial institutions to guarantee you the best deals.
Intesa Sanpaolo
UniCredit
Banco BPM
BPER Banca
Monte dei Paschi
Credem
Individual advice from an expert
Our consultants will help you find projects that match your values and your financial resources.
Frequently asked questions
Find answers to the most frequently asked questions about our credit services.
What requirements do I have to meet to obtain a loan?
To apply for a loan with ERAZUS, you must:
be a German citizen or resident in Germany
be at least 18 years old
have a current account in Germany
As a rule, no additional collateral is required for amounts up to €10,000.
How long does it take until I receive the loan?
Our process is extremely fast:
Preliminary approval within 24 hours of receipt of the complete application
Payout to your account within 24 hours of final approval
In many cases, customers receive funds on the same day if the complete application is submitted before noon.
What interest rates are applied?
Our interest rates are among the most competitive on the market:
APR from 3% for personal loans
APR from 3.5% for car loans
APR from 2.8% for student loans
The effective interest rate depends on the type of loan, the amount, the term and your personal credit rating. You can use our loan calculator to obtain a non-binding, individual offer.
Is it possible to repay the loan early?
Yes, you can repay the loan in full or in part at any time. Early repayment provides for the following
No penalties for personal loans in accordance with current German law (Legislative Decree 385/1993 – TUB)
A proportional reduction in interest for the unused period
A simple procedure via the reserved area or by contacting customer service
You can also make partial repayments to reduce the amount of the monthly installments or the term of the loan.
What happens if I do not pay an installment?
If you have difficulties paying a monthly installment:
Contact us immediately to find a solution.
We can work out an individual payment plan.
We offer you the possibility to postpone an installment under certain conditions and with prior notice (maximum once a year).
Our aim is to help you manage your loan without stress. However, prolonged payment delays can lead to interest on arrears and reports to credit agencies (such as CRIF).
What are the conditions for real estate financing?
To obtain a real estate loan from ERAZUS, you must meet the following conditions
Proven ability to repay (stable income)
Good credit rating (positive information from the credit reference agencies)
Availability of equity (usually at least 10-20% to cover ancillary costs and part of the purchase price)
The property must meet the legal requirements and be valued
Take out life insurance to cover the risk
Our real estate advisors will analyze your entire financial situation to offer you the best conditions that match your profile and credit rating, and at competitive interest rates.
What types of real estate can I finance with a real estate loan?
With ERAZUS we finance various types of real estate:
Residential properties for residential purposes (apartments, houses)
Second homes or vacation properties
Commercial properties and offices
Building plots (with approved project)
Properties for investment purposes
We generally finance up to 80-90% of the purchase price (excluding ancillary costs) for a primary residence and up to 60-70% for a second home or investment. All properties must be located in Italy and comply with current building standards.
Is it possible to renegotiate my current mortgage loan?
Yes, we offer real estate loan renegotiation and redemption services with excellent benefits:
Improvement of interest rate conditions
Possibility to adjust the term of the financing
Option to obtain additional liquidity for renovations or other needs
Possible reduction of costs and insurance
Simplified process with personalized attention
Our specialized team will analyze your current mortgage loan and prepare a free feasibility study to assess whether renegotiation or redemption is beneficial in your case. Our clients often achieve significant savings on the total cost of their mortgage loan.
How do you define my investor profile?
We determine your investor profile on the basis of a comprehensive analysis that takes the following factors into account:
Your personal risk appetite (conservative, balanced, dynamic, speculative)
Your investment horizon (short, medium or long-term)
Your specific financial goals (growth, income, capital preservation)
Your investment experience and knowledge
Your overall asset situation
This analysis is carried out using a detailed questionnaire and personal discussions with our certified financial advisors. The result determines the most suitable investment strategy for you and ensures that each recommendation is tailored to your personal profile.
What is the difference between return and risk?
The relationship between return and risk is fundamental to understanding any investment:
Return: the profit (or loss) from an investment, usually expressed as a percentage of the capital invested.
Risk: The possibility that actual results will differ from expectations, including the possibility of losing some or all of the capital invested.
There is a general relationship between these two concepts: a higher potential return is often associated with a higher risk. This is the case, for example, with:
Low risk investments (savings accounts, money market funds): They offer more moderate returns but higher capital security.
Medium-risk investments (corporate bonds, rental properties): They offer a good balance between potential returns and protection.
High-risk investments (equities, certain special funds): They can offer high returns, but are associated with higher volatility and a higher risk of capital loss.
With ERAZUS, we develop diversified portfolios that optimize this balance according to your personal risk profile.
How can I start investing with a small amount of capital?
With ERAZUS it is perfectly possible to start your investment with limited capital:
Savings plans (PAC): From €25 or €50 per month in investment funds or ETFs.
Investment funds (OICR): Access to diversified markets with units available from just a few tens or hundreds of euros.
Real estate funds: Invest in the real estate sector by purchasing units, sometimes starting at just a few hundred euros.
Asset management / mandate: Available from a few thousand euros for professional management.
ETFs (Exchange Traded Funds): Instant diversification at low cost through listed index funds.
The key to successful investing is not so much the initial amount, but rather regularity, diversification and an appropriate time horizon. Our advisors will help you to develop a progressive strategy that will enable you to build up solid assets even with modest amounts.
Do you have any further questions? Please contact our customer service.
- contact@erazus.com