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Capitalo.at review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Capitalo.at suits Austrian borrowers who want a broker to compare banks and a quote with no fee, and it places personal, debt consolidation and car loans of €1,000 to €75,000 over terms of 12 to 120. Home finance runs alongside, with money landing in 24 to 48 hours after a lender approves.

Key facts

Best for
Austrian residents comparing broker quotes for personal loans with no arrangement fee.
APR
5.47% to 12.5%↗
Loan amount
€1,000 to €75,000↗
Term
12 to 120 months↗
Arrangement fee
0 EUR (no processing fee at top compared providers)↗
Credit check
Hard↗
Funding time
24 to 48 hours↗
Representative example
easybank easy Kredit: 5.47% effective annual rate, EUR 34,500 loan over 60 months, monthly rate EUR 654.63, total amount payable EUR 39,277.80↗
Rate type
Variable↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
Minimum age 18, residence in Austria, Austrian bank account (IBAN AT), regular income↗
Origination fee (%)
0%↗
Loan types
Personal, Debt-consolidation, Car↗
Credit needed
Good↗
Legal entity
Capitalo Finanzservices GmbH↗
Headquarters
Germany↗
Founded
2014↗
Support channels
Email, Phone, Community↗
Official website
capitalo.at

Mortgages

Initial rate
2.8%↗
APRC
2.8%↗
Fixed period
5 years↗
Maximum loan to value
90%↗
Product fee
€0↗
Purpose
Purchase, Remortgage↗

Savings

Deposit protection
EU DGS up to EUR 100,000↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Elsewhere
WikidataLinkedInxing.comfacebook.com

Pros and cons

Pros

  • The arrangement fee is 0 EUR (no processing fee at top compared providers) and the home finance product fee is €0.
  • Loan amounts of €1,000 to €75,000 across terms of 12 to 120, well above the €559 median amount for this category.
  • Free early repayment, so finishing ahead of schedule costs nothing.
  • A published worked example names the bank, the monthly instalment and the total repayable.

Cons

  • Your rate is variable, so the instalment can move with the market rather than staying level.
  • Every application runs a hard credit check and lenders expect good credit, so a thin file is likely to be declined.
  • Money lands in 24 to 48 hours, which rules out a same day emergency.
Capitalo.at

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Austrian adults with regular income and an Austrian bank account, who would rather a broker compare banks than chase offers alone.
  • Borrowers with good credit who are comfortable with a hard credit check on their file.
  • Home buyers and remortgagers weighing an initial rate of 2.8% with a 5 fixed period and a 90% loan to value ratio.

Who should look elsewhere

  • Not for small sums in another currency: Cashspace quotes PHP 12 to PHP 36 in Philippine pesos, so it does not cover the €1,000 to €75,000 range Capitalo.at places.
  • Not for borrowers who need the smallest loan available: Creduma ES lists amounts of from €12,000, above the lower end of the €1,000 to €75,000 range here.

The company behind it

Capitalo.at is run by Capitalo Finanzservices GmbH, a company based in Germany and trading since 2014. It works as a broker rather than a lender, so offers come from banking partners instead of its own balance sheet. In Germany it is registered as a financial investment intermediary and as an insurance representative. Support runs on email, phone and community.

How Capitalo.at compares

Where Capitalo.at is available

Available
Austria, Germany
Licence in Germany
Registered financial investment intermediary (Finanzanlagenvermittler, Sec. 34f GewO) and insurance representative (Sec. 34d GewO), Germany, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What will I actually pay on a Capitalo.at loan?+

There is no processing fee on the loans it places, since the arrangement fee is 0 EUR (no processing fee at top compared providers) and the home finance product fee is €0. The cost is interest, which runs 5.47% to 12.5% depending on the lender and your credit file.

Is my money safe with Capitalo.at?+

Capitalo.at is a broker, so it does not hold deposits and does not lend its own money. In Germany it is registered as a financial investment intermediary and as an insurance representative, and once you accept an offer the bank named in it becomes your counterparty. Support runs on email, phone and community.

Who can apply for a loan through Capitalo.at?+

You need to be an adult living in Austria, hold an Austrian bank account and have regular income. Lenders expect good credit, and the process includes a hard credit check, so a thin file usually goes nowhere.

How much can I borrow, and for how long?+

Amounts run €1,000 to €75,000 over terms of 12 to 120, and the rate type is variable, so the instalment can move with the market. Personal, debt consolidation and car finance are all covered, which suits larger planned purchases rather than a small bridging sum.

How fast do I get the money?+

Funding takes 24 to 48 hours once a lender approves your application, so applying early in the week gives you room before a fixed payment date. The bank Capitalo.at matched you to sets the timetable, and queries go through email, phone and community.

Can I repay early without a charge?+

Yes. Free early repayment is offered, so clearing all or part of the balance costs nothing extra. On a variable rate that matters more, because each month left outstanding is interest you do not need to pay.

What does the home finance deal look like?+

Home finance starts at an initial rate of 2.8% and an annual percentage rate of charge of 2.8%, fixed for 5. Loans reach 90% of the property value, the product fee is €0, and purchase and remortgage are both covered.

Sources

  • capitalo.at checked September 26, 2026

    Backs: Founded

  • capitalo.at/baufinanzierung checked September 26, 2026

    Backs: Product fee, Purpose

    “Immobilienkauf, Neubau; Anschlussfinanzierung”

  • capitalo.at/baufinanzierung/vergleich checked September 26, 2026

    Backs: APRC, Maximum loan to value

    “Effektivzins ab 2,8%/5J.”

  • capitalo.at/baufinanzierung/zinsen checked September 26, 2026

    Backs: Fixed period, Initial rate

    “Fixzins ab 2,8%/5J.”

  • capitalo.at/erstinformation checked September 26, 2026

    Backs: Deposit protection

  • capitalo.at/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Support channels, Licences

    “Capitalo Finanzservices GmbH, Zeisigweg 2A, 56170 Bendorf, Deutschland”

  • capitalo.at/kredit/vergleich checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Free early repayment, Funding time, Loan types, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “Ratenkredit (Konsumkredit): Betraege: 1.000 bis 75.000 EUR”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Capitalo.at

Capitalo.at

Austrian residents comparing broker quotes for personal loans with no arrangement fee.

9.0/10See alternatives