Introduction: The easy way to a suitable loan
The Austrian credit market is diverse, but often confusing. If you need a loan, you are spoiled for choice: house bank, direct bank, online platform? It’s easy to lose track of interest rates, terms and requirements. This is exactly where kredit-fuchs.at comes in: We offer you an independent comparison of the best loan brokers in Austria.
With strong partners like credxperts.at we analyze your situation individually and find exactly the offer that suits you. Regardless of whether you:
- want to refinance an existing loan,
- require a high level of financing for a project,
- are only employed on a temporary or probationary basis,
- or live in Austria with a B permit.
We can help you quickly, transparently and free of charge. In this article you will learn how to find the best mediation channel with kredit-fuchs.at.
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1. what is a credit broker and why is the comparison via kredit-fuchs.at useful?
A credit broker is not a lender, but an independent partner who compares and analyzes several offers from banks and presents you with the best options. kredit-fuchs.at works with certified, professional brokers such as credxperts.at and thus offers access to a broad network of financing options.
Your advantages:
- Objective comparison of over 10 banks
- Consideration of individual situations (e.g. probationary period, B permit)
- No risk: The inquiry is free of charge & non-binding
- Processing by experienced financial advisors
- Also special cases such as self-employment or high loan amounts
2 For whom is the service of kredit-fuchs.at particularly worthwhile?
| Target group | Typical situation |
|---|---|
| Career starters | Credit request despite probationary period |
| Families | Financing for renovation or debt restructuring |
| Self-employed | Liquidity requirements with fluctuating income |
| Persons with a B permit | Financing despite non-permanent residence status |
| Persons with several loans | Merging into one rate |
3. how the process works via kredit-fuchs.at
- Fill out an online request – simple, secure & free of charge
- Credit check & preselection of suitable banks
- Offer comparison by our partners
- Advice & adaptation to your wishes
- Submission & identity verification (VideoIdent/PostIdent)
- Sign contract & receive payment
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| Step | Duration |
| Online request & check | 0-1 day |
| Comparison & advice | 1-2 days |
| Submission & legitimation | 1 day |
| Payment | 1-2 days |
| Total | 2-5 working days |
4. examples of credit offers from our partners
| Loan amount | Runtime | Effective interest rate | Monthly installment | Provider |
| 20.000 € | 72 months | 5,6 % | 329,58 € | House bank |
| 20.000 € | 72 months | 3,7 % | 311,22 € | via kredit-fuchs.at Mediation |
| 20.000 € | 72 months | 6,9 % | 343,20 € | Direct bank |
Savings over the term: up to € 2,300
5. real case studies from our customers
Case 1: Loan for remodeling during temporary employment
Julia K., 33 years old, Innsbruck
Julia works for an educational institute on a fixed-term contract. She wanted to borrow €18,000 to renovate the attic. A suitable credit partner was found via kredit-fuchs.at – despite the fixed term. Interest rate: 3.9%, term: 84 months.
Case 2: Rescheduling of four existing loans
Daniel H., 47, St. Pölten
Daniel had four different loan agreements. Monthly burden: over € 1,100. After debt restructuring via a partner of kredit-fuchs.at: only €725 per month – savings of over €10,000 over 6 years.
Case 3: Self-employment and high loan amount
Aslan Y., 41 years old, Vienna
As a freelance web developer, Aslan wanted to finance €50,000 for an office expansion. Thanks to sound documentation and the mediation of a suitable provider, the loan was approved – term: 72 months, interest rate: 4.4 %.
Case 4: Loan for B approval from 12 months
Mirjeta B., 35 years old, Salzburg
Mirjeta has been living in Austria for 13 months with a B permit and works in the healthcare sector. She found a partner bank via kredit-fuchs.at that accepted her application – loan amount: €15,000, term: 60 months, interest rate: 5.1%.
6. legal security & transparent brokerage
- All offers comply with the Austrian Consumer Credit Act (VKrG)
- Mediation is free of charge for borrowers
- Contracts include a statutory 14-day right of withdrawal
- Data protection & data storage according to GDPR
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7. the 20 most frequently asked questions about kredit-fuchs.at
- Does the loan comparison cost me anything? No, use is free of charge.
- Will my credit rating be checked? Yes, but in the preliminary check to protect creditworthiness.
- Can I also get a loan during my probationary period? Yes, if your income and sector are right.
- How high can my loan be? Up to €150,000.
- Are there loans for the self-employed? Yes, we work with specialized partners.
- How fast is the payout? Usually 2-5 working days.
- Is debt restructuring possible? Yes, and usually with high savings.
- Can I repay the loan early? Yes, at any time.
- What happens in the event of a rejection? We are looking into other options.
- Do I have to go to the bank in person? No, digitally possible.
- How does identification work? Via VideoIdent or PostIdent.
- What about B permits? Financing is also possible with this.
- Can I also use the loan for a specific purpose? Yes, e.g. for a car or renovation.
- What happens if I become unemployed? Optional credit insurance is available.
- Is the consultation anonymous? Yes, your data remains protected.
- What distinguishes kredit-fuchs.at from comparison portals? We provide targeted, verified partners with genuine advice.
- Can I also enter a second person? Yes, e.g. partner or spouse.
- How old do I have to be? At least 18 years.
- Is residence in Austria mandatory? Yes.
- How do I find out which offer is the best? Our consultants analyze objectively and recommend the most suitable one.
Conclusion: Credit comparison made easy – with kredit-fuchs.at
A loan should fit your life – not the other way around. At kredit-fuchs.at you get access to verified credit brokers, attractive interest rates and personal support – even in complex cases.
- No fees for you
- Also for probationary period, B permit & self-employment
- Fast processing & transparent handling
