Sparkassen S Kredit Reviews

Read reviews on Sparkassen S Kredit and find out how satisfied customers have been lately. What ratings did Sparkassen S Kredit get and what are the reasons for this?

About Sparkassen S Kredit

The savings bank offers the S-credit-per-click. It is an installment loan that can be applied for online. One can use the credit for free use. In order to get the Sparkassen S Kredit, one must have a current account with the Sparkasse and access to online banking.

What is the Sparkassen S Kredit experience?

Consumers have very good experiences with Sparkassen S Kredit. Customers give the credit offer very good ratings for the low interest rates. There are positive customer testimonials about the fast disbursement. The Sparkasse S Kredit receives very good ratings because unscheduled repayments are possible. There are some very good reviews for customer service and for the option of taking a break from installments.

Is Sparkassen S Kredit reputable?

The Sparkassen S Kredit is reputable. Consumers are protected from over-indebtedness, because for the successful loan application a query is made to Schufa and the creditworthiness is checked. In addition, the credit offer is trustworthy, because you can always contact the customer service in case of questions or problems.

How to take out a Sparkassen S Kredit loan?

You can apply for the Sparkassen S Kredit online. On the portal of the credit offer one selects the loan amount and the term. After the selection, the monthly installment amount is displayed. The loan term is between 12 and 120 months. The loan amount is from 1,000 euros to 80,000 euros. To apply for the loan, one enters the IBAN, name, address and date of birth. The credit agreement is displayed in the message area of the online banking. This must be signed by the applicant and uploaded in the message area. When the loan is approved, one enters a TAN. Then the Sparkassen S loan is paid out.

What are the Sparkassen S Kredit requirements?

If you want to get a Sparkassen S loan, you must be of age and have no negative credit records. In addition, the savings bank checks the creditworthiness. Furthermore, the applicant must have a current account with online banking at the Sparkasse.

When is the Sparkassen S Kredit paid out?

After the application for the Sparkassen S Loan is submitted, the application is reviewed. If the documents are complete and the loan application has been approved, the loan will be paid out to the checking account within 24 hours. If you have any questions about the loan disbursement, you can contact the customer service.

How high are the Sparkassen S Kredit interest rates?

The amount of interest for the online loan of the Sparkasse depends on various criteria, such as loan amount, credit purchase period and creditworthiness of the applicant. Basically, the longer the term and the higher the loan amount, the higher the interest on the loan. There is a fixed debit interest rate and an effective annual interest rate. The exact amount of interest is displayed in the loan calculator before the application is submitted.

How to redeem the Sparkassen S Kredit?

Borrowers can redeem S Kredit at any time and free of charge. If one plans to redeem the loan early, one sends a message to the savings bank. Then one receives information how to redeem the loan.

Is a Sparkassen S Kredit unscheduled repayment possible?

Unscheduled repayments are possible for the Sparkassen S Loan at any time within the loan term. If you want to make a special repayment, you transfer the amount from your checking account to your loan account via online banking. When making the transfer, enter unscheduled repayment as the reason for the transfer.

Is there a Sparkassen S Kredit contact?

If you have any questions about Sparkassen S Kredit, you can contact the customer service. This can be reached by telephone via the service number 030 620 080 8070 from Monday to Friday from 9 am to 5 pm. A contact form for written inquiries is available in the service area on the portal. In the FAQ, answers to frequently asked questions about the S Kredit of the Sparkasse are displayed.

Can I get the Sparkassen S Kredit despite negative Schufa?

The Savings Bank does not grant S Kredit if the information from Schufa shows that the applicant has too many outstanding financial obligations or has not yet fulfilled financial obligations that are already due. There is also no S Kredit without a credit history. For each loan application, the savings bank checks the creditworthiness of the respective applicant.