| Interest & costs | APR (example €10,000, 48 months) | -
•
≤ 4% = full points
-
•
≤ 6% = 15 points
-
•
≤ 8% = 10 points
-
•
≤ 10% = 5 points
-
•
> 10% = 0 points
| 20 |
| Two-thirds rate (representative example) | -
•
Matches best rate = full points
-
•
< 2% above best rate = 3 points
-
•
≥ 2% above best rate = 0 points
| 5 |
| Processing fees | -
•
None = full points
-
•
With fees = 0 points
| 3 |
| Payout | Payout speed | -
•
Instant payout / instant transfer = full points
-
•
Within 24 h = 8 points
-
•
Within 48 h = 5 points
-
•
3–5 working days = 2 points
-
•
> 5 working days = 0 points
| 15 |
| Express option available | -
•
Yes, free = 3 points
-
•
Yes, for a fee = 1 point
-
•
No = 0 points
| 3 |
| Payout also at weekends | -
•
Yes = 2 points
-
•
No = 0 points
| 2 |
| Flexibility | Term flexibility | -
•
6–120 months selectable = full points
-
•
12–84 months = 4 points
-
•
24–60 months = 2 points
-
•
Little choice = 0 points
| 6 |
| Loan amount (range) | -
•
€500 – €100,000+ = full points
-
•
€1,000 – €75,000 = 3 points
-
•
Limited range = 1 point
| 4 |
| Free special repayments | -
•
100% possible at any time = full points
-
•
Up to 50% p.a. free of charge = 5 points
-
•
With early repayment penalty = 2 points
-
•
Not possible = 0 points
| 8 |
| Free payment holiday | -
•
Yes, at least twice a year = 3 points
-
•
Yes, once a year = 2 points
-
•
For a fee = 1 point
-
•
Not possible = 0 points
| 3 |
| Application process | Online application possible | -
•
Fully digital (incl. signature) = full points
-
•
Online + PostIdent = 3 points
-
•
Branch only = 0 points
| 5 |
| Instant approval / decision | -
•
Yes, instantly online = 4 points
-
•
Within hours = 2 points
-
•
Several days = 0 points
| 4 |
| Identification method | -
•
VideoIdent = full points
-
•
Video or PostIdent = 2 points
-
•
PostIdent only = 1 point
| 3 |
| Upload documents digitally | -
•
Yes = 2 points
-
•
No = 0 points
| 2 |
| Requirements | Minimum net income | -
•
No minimum income = full points
-
•
≤ €1,000 = 2 points
-
•
> €1,000 = 0 points
| 3 |
| Required length of employment | -
•
No requirement = full points
-
•
≤ 6 months = 1 point
-
•
> 6 months = 0 points
| 2 |
| Loans for the self-employed | -
•
Yes, without restriction = 3 points
-
•
Yes, with conditions = 1 point
-
•
No = 0 points
| 3 |
| Second borrower possible | -
•
Yes = 1 point
-
•
No = 0 points
| 1 |
| Customer service | Phone support | -
•
Yes, free = 3 points
-
•
Yes, for a fee = 1 point
-
•
No = 0 points
| 3 |
| Online customer area | -
•
Yes, with a full overview = 2 points
-
•
Yes, restricted = 1 point
-
•
No = 0 points
| 2 |
| Customer reviews (Trustpilot or similar) | -
•
≥ 4.5 stars = full points
-
•
≥ 4.0 stars = 2 points
-
•
≥ 3.5 stars = 1 point
-
•
< 3.5 stars = 0 points
| 3 |
