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Consors Finanz review

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

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Our verdict

Consors Finanz pairs a credit card with a personal loan in one place, and the card side carries an annual fee of €0 plus a currency conversion fee of 0%. It suits German salaried workers planning a larger purchase, and less those who want rewards or a soft credit check.

Key facts

Best for
German salaried borrowers who want a fee-free credit card alongside a fixed-rate personal loan.
Annual fee
€0↗
APR
20.9%↗
Currency conversion fee
0%↗
Rewards type
None↗
Perks
Interest-free up to 90 days when paying in instalments or at quarter end, CashClick: fee-free transfer from credit limit to checking account, Credit limit up to 5,000 EUR (credit-dependent), Free cash withdrawals from 300 EUR (3.95 EUR per withdrawal below 300 EUR), Apple Pay and Google Pay mobile payment, Free card activation and shipping, free digital account management↗
Card kind
Credit↗
Legal entity
BNP Paribas S.A. Niederlassung Deutschland↗
Headquarters
Germany↗
Founded
2001↗
Support channels
Email, Phone, Help-centre↗
Pricing model
No annual fee
Features
Same-day funding, Credit line
Official website
consorsfinanz.de

Loans

Loan amount
€1,500 to €80,000↗
Term
6 to 120 months↗
Credit check
Hard↗
Funding time
disbursed within 24 hours after documents received and positive check↗
Representative example
EUR 10,000 net loan, effective annual rate 8.89%, nominal rate 8.55% fixed for the whole term, monthly instalment 315.89 €, term 36 months, total 11,372.04 €↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
18+ with fixed residence in Germany, regular income from non-self-employed work, at least three months with current employer↗
Loan types
Personal, Debt-consolidation, Credit-line, Car↗
Use cases
Home-improvement↗

Personal insurance

Insurance types
Auto, Motorcycle, Gadget, Income-protection, Critical-illness↗
Provider type
Broker↗
Excess from
€0↗
Cover limit
Sorglospaket Restschuldversicherung: up to 175,000 EUR outstanding loan balance on death and on serious illness for loan customers; up to 20,000 EUR outstanding credit-card balance↗
Claims channels
Phone, Contact-form, Customer-portal↗

Mortgages

Purpose
Purchase, Remortgage, Home-equity↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInyoutube.comfacebook.cominstagram.com

Pros and cons

Pros

  • Card charges an annual fee of €0 and a currency conversion fee of 0%
  • Loan rate is fixed for the whole term and terms run 6 to 120
  • Loans of €1,500 to €80,000 are offered with same-day funding
  • Early repayment carries no charge

Cons

  • Purchases carry an APR of 20.9% against a median of 14.45%
  • Applications run a hard credit check at hard
  • Eligibility needs regular income from non-self-employed work and a minimum age
Consors Finanz

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Salaried employees in Germany with settled employment, since eligibility asks for regular income from non-self-employed work and a minimum period with the current employer
  • Anyone funding home improvement, one of the listed use cases
  • Borrowers who repay early without a charge

Who should look elsewhere

  • Shoppers chasing rewards, as the rewards type is listed as none
  • Anyone wanting a soft credit check instead of the hard check at hard

Rates and card terms

The card charges an annual fee of €0 and a currency conversion fee of 0%, with purchases at an APR of 20.9%. Loans carry a fixed rate for the whole term and terms run 6 to 120. Loan amounts of €1,500 to €80,000 are available, and the credit card limit is set by your credit file, with interest-free periods when you pay in instalments or at quarter end.

The company behind it

The lender is BNP Paribas S.A. Niederlassung Deutschland, based in Germany and founded in 2001. It works as a broker, and support runs on email, phone and help centre. It also appears on the ORIAS insurance intermediary register under 07022735, alongside a care package covering loan and credit card balances after death or serious illness.

How Consors Finanz compares

Where Consors Finanz is available

Available
France, Germany
Licence in Germany
Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Licence in Germany
Europäische Zentralbank (ECB), checked September 26, 2026
Licence in France
Autorité des Marchés Financiers (AMF), checked September 26, 2026
Licence in France
Autorité de Contrôle Prudentiel et de Résolution (ACPR), checked September 26, 2026
Licence in France
ORIAS (insurance intermediary register) (07022735), checked September 26, 2026

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

Frequently asked questions

What does the Consors Finanz credit card charge?+

The card has an annual fee of €0 and a currency conversion fee of 0%. Card activation and shipping are free, as is digital account management, and it accepts Apple Pay and Google Pay mobile payment.

What rate applies to purchases on the card?+

Purchases carry an APR of 20.9%, above the median of 14.45% across listed credit cards. Paying in instalments or at quarter end can be interest-free, and a fee-free transfer from credit limit to a checking account is offered.

Does the card earn rewards?+

The rewards type is listed as none, so there is nothing to earn back on spending. The card is a credit card instead, funded by a credit limit that depends on your credit file.

How much can I borrow and for how long?+

Loan amounts of €1,500 to €80,000 are available, and terms run 6 to 120. Loans cover personal, debt consolidation, credit line and car borrowing, and the rate is fixed for the whole term. Early repayment is free.

How quickly is money paid out?+

Funding is described as same-day, with money paid out within a day of documents arriving and a positive credit check. A credit line is also listed as a feature, so an amount can sit available to draw on.

Who qualifies, and what credit check applies?+

Applicants need a minimum age, a fixed residence in Germany, regular income from non-self-employed work and a minimum period with their current employer. The application runs a hard credit check at hard.

Which company is behind the brand?+

The legal entity is BNP Paribas S.A. Niederlassung Deutschland, based in Germany and founded in 2001. It operates as a broker, so the credit it offers runs through that entity rather than a separate lender.

How do I get help, and what protection comes with it?+

Support runs on email, phone and help centre. The same legal entity also provides the insurance side, including a care package covering an outstanding loan balance on death and on serious illness, and an outstanding credit card balance.

Sources

Compiled from 15 source pages, checked September 26, 2026. We did not open an account.

Consors Finanz

Consors Finanz

German salaried borrowers who want a fee-free credit card alongside a fixed-rate personal loan.

9.0/10See alternatives