Personal loan
For private purchases, plans and flexible use.
Start loan requestFinancing for real goalsYour goals.
Your goals.
Our solutions.
Whether it is a home, a car, refinancing or an investment: kredit4you.at guides you to a suitable financing solution quickly, clearly and professionally.
Free and non-binding requestFirst realistic orientation in a short timePersonal support from experienced advisors
Make your home possible
The path to your own home starts with clear financing.
Finance your favourite car
New or used – together we find a suitable solution.
Reorganise financial commitments
Refinancing can create more clarity and breathing room.
Move your business forward
Professional finance for investments, working capital and projects.
Start quicklyBegin your request in just a few minutes.
Personal supportAn advisor handles your case individually.
Strong conditionsCompare realistic options.
Secure & professionalConfidential and professional processing.
Real condition comparison
Choose the loan type first. Then compare correctly.
Personal, car and mortgage financing are not mixed. FinBot uses only active conditions stored for the selected product.
Refinance an existing loan or compare new financing
Clearly select personal, car or mortgage financing
No suitable bank data means no invented comparison
Everything in one place
What type of financing are you looking for?
From private needs to larger projects, we guide many types of financing with a clear and personal process.
Refinancing
Combine existing loans and review potential relief.
Start loan requestCar finance
For new and used cars or refinancing existing finance.
Start loan requestHome & real estate
Purchase, construction, renovation or housing finance.
Start loan requestBusiness finance
Working capital and investments for companies.
Start loan requestProjects & developers
Individual solutions for projects and investors.
Start loan requestInsurance
Suitable protection as an additional service.
Start loan requestAppointment & callback
Arrange a personal call or appointment.
Start loan requestMore than numbers
Financing that fits your life
Every situation is different. That is why kredit4you.at combines digital speed with personal advice.
FinBot & WhatsApp
Start easily via WhatsApp
Write to us directly. FinBot captures the key details, gives an initial orientation and prepares the request for personal follow-up.
- Direct start without complicated barriers
- Enter key information from your smartphone
- Fast handover to a personal advisor
- Documents and next steps clearly organised
Sign digitally
Review and sign documents on your smartphone
When a signature is needed, you receive the document link on your phone. Open the full document, review it and sign digitally.
- Open the document immediately
- Sign directly in the signature field
- Fast and convenient return
More than financing
Work with kredit4you.at
Are you a finance intermediary or would you like to earn through recommendations? Explore our professional partner and referrer areas.
Partner
Partner area for intermediaries and finance professionals
Dedicated access, digital customer onboarding, documents, WhatsApp communication and signatures in one process.
View partner area
Tippgeber
Become a referrer and use recommendations
Use a personal QR code, poster and WhatsApp link and earn from successful referrals.
View referrer areaFinancing guide
Clear guidance for financing in Austria
Learn about personal loans, refinancing, car and property finance and the credit-broker process in Austria.
Credit brokerage in Austria
Responsible brokerage does not promise guaranteed approval. It reviews income, budget, existing commitments and the documents required for a lender decision.
GuidePersonal loans in Austria
A low monthly payment alone is not enough. The term and total repayment must remain appropriate for your budget.
GuideConsumer loan in Austria
The effective annual rate, total repayment, term and optional products need to be considered together.
GuideLoan comparison in Austria
Comparing different amounts or terms produces a distorted result. Effective rate, total repayment and flexibility need to be reviewed together.
GuideDebt refinancing
Refinancing is useful when it delivers a sustainable improvement after all fees and the full term are considered.
GuideVehicle finance
Insurance, servicing, fuel and any final payment should be included alongside the purchase price.
GuideProperty and housing
Property finance is a long-term decision. Price, transaction costs, equity, interest risk and reserves must work together.
GuideSelf-employed finance
Self-employed income is assessed differently from a fixed salary, so clear information across several periods is particularly important.
GuideLoans for pensioners
Regular pension income may support financing. Banks also consider age at the end of the term, existing obligations, household surplus and possible security.
GuideLoan with negative credit history
Negative credit information makes financing more difficult. Cause, age of the record, income and existing obligations need to be reviewed together.
GuideLoan despite CRIF
An adverse or notable CRIF record can make borrowing more difficult. The outcome depends on the type and age of the record, open arrears, income, household surplus and the lender’s own rules.
GuideLoan with poor credit history
Poor credit history can mean limited household surplus, high debt, arrears, overdrafts or KSV/CRIF records. The right response depends on the underlying cause.
GuideDelete a KSV entry
Not every KSV entry is removed on request. Rights may include access, rectification and, where the legal conditions are met, erasure or restriction of processing.
GuideDelete a CRIF entry
Not every adverse CRIF item is removed on request. First establish what is stored, for what purpose and on which legal basis.
GuideLoan without upfront payment
A reputable broker does not require an advance payment for a guaranteed payout. Any potential remuneration must be transparent and agreed in writing.
GuideLoan application documents
Required documents depend on the product, employment status, lender and personal situation. Missing or inconsistent information causes delays.
GuideHousehold budget for a loan
Lenders assess how much remains for a new instalment after regular income, living costs and existing obligations.
GuideCredit support in Vienna
A digital request does not remove personal advice. Customers in Vienna and throughout Austria can start in a structured way.
GuideHow the process works
A transparent process means knowing which details are needed, what has been reviewed and who makes the binding decision.
GuideAbout kredit4you.at
kredit4you.at makes the start of a financing request simple and multilingual without removing personal assessment or lender responsibility.
GuideFrequently asked questions
Start well informed
Important answers about your financing request.
Is the request free and non-binding?
Yes, you can start free of charge and without obligation.
What types of financing can I request?
Personal loans, refinancing, car, home, business and project finance.
Can I start via WhatsApp?
Yes, it is one of the fastest ways to start.
Do I receive an immediate approval?
No. You first receive an orientation, followed by a complete review.
Can several loans be refinanced?
Yes, they can be reviewed together.
Can self-employed people apply?
Yes, self-employed people and companies can apply.
Do I have to visit an office?
No, you can start digitally.
Which documents are required?
You receive a clear list based on your financing type.
How quickly do I receive feedback?
Complete requests usually receive fast feedback.
Are my data protected?
Yes, your information is handled confidentially.
Can I sign digitally?
Yes, directly on your smartphone.
Which languages are available?
German, Turkish, Serbian/EX-YU and English.