Credit at any time: You can submit your application online
Click on the loan: You can apply for a loan online from the Bankate consumer bank. Use our credit calculator to determine your desired loan and send us the details for processing. Your application will be processed immediately so that you have a final answer from us after a short while.
If your credit rating is positive, you will receive your documents the following business day, and once signed by us, the amount of money you are looking for will be credited to your customer account. Our credit offers are just as varied as the financing requirements of our clients: They have gained a powerful financing partner with the Bankate consumer bank. We are your partner when it comes to investments or loans.
Online services are the fast way to financial freedom.
The Bankate consumer bank – credit increases always possible
Loans can be claimed online and in more than 160 branches. Many borrowers appreciate that, in the event of an increase, banks give them a guarantee for the former interest.
Check the financing – is my monthly income sufficient for the higher loan amount? The borrowers of the Bankate consumer bank, like most credit institutions, should initially have an unlimited payment. Income statements and account statements are mandatory when applying for credit. The realization of a “BestCredit” is worthwhile for several reasons. If the borrower submits a favorable loan offer on equal terms to the principal bank within 14 days of the conclusion of the contract, Munich Re will adjust the term of the current loan.
In addition, customers are assured from the outset that the fixed interest rate will be maintained if the increase is extended and the deadline extended – in this case the so-called “residual guarantee offer” applies. The amount of credit available in the range of USD 1,000 to USD 100,000 results from the proven monthly income less all fixed costs such as other financing, rent or maintenance obligations.
Is there a new credit bureau query from the Bankate Consumer Center? Depending on the sums that Bankate Private clients are considering when lending, the company can do without any further credit check from the company. If the borrowers have only received a four-digit amount for the first loan application and now want to claim a five-digit amount in the second process step, there is hardly any way around the new credit assessment.
Of course, the house bank allows a query by e-mail via the online customer center. In addition, a trip to one of BayernLB’s many branches throughout Germany can clarify all aspects of the replenishment request. With their consumer loans, the conditions of the banks are well positioned, which is a good reason for the fact that many customers have an increased credit.
Experience reports from other clients make it clear that an increase is usually handled quickly. The more borrowers need, the more important is a sufficient creditworthiness and a regular salary from employment or pension benefits. Is there also a new, cheaper credit from another house bank? In particular, detailed advice from a branch of the Bankate Consumer Bank can help consumers find a meaningful financial framework for the increase.
Ultimately, bank customers find out if they are getting a cheaper rate than a bank transfer or a loan from a second house bank. And what makes more sense: increase the credit of the Bankate consumer bank or create a new loan? Many borrowers are unaware that, strictly speaking, they have the opportunity to choose between a new loan and an increase in a legacy loan from the Bankate consumer bank.
The renowned house bank almost always gives you the choice of either way. However, it is not expected that the house bank will reduce the annual percentage rate by several percentage points. Thus, the conclusion of the contract after the use of the loan calculator can certainly be the best option, which shows which savings deposits are currently possible with the same maturity and loan amount.
In any case, creditworthiness is only relevant to the actual loan application; the creditworthiness is not important for the calculation of the interest. Our Opinion on Credit Improvement at the Bankate Consumer Bank: As with all credit, there is no way around a precise examination of the previous and potential new conditions. The loan calculator shows what is possible and where the limit of an increase in terms of creditworthiness and income lies.
Advantages of the loan calculator: You immediately calculate the conditions that are usually available at the right time with regard to your loan request.