Example representative of a personal loan of € 5,000 to be repaid in 36 monthly installments of €143.21 (excluding voluntary insurance). Total annual fixed effective interest rate (APR) of 2% (excluding voluntary insurance). Fixed lending rate 1.77%. 0.73% service charge for a total of € 36.50. Total cost of this loan: € 359.1. Total loan debt: € 5,359.1. Minimum repayment period for a personal loan: 15 days Maximum repayment period for a personal loan: 60 days Obligation to repay the total amount of this loan within 60 days. The effective annual insurance interest rate (APR) is 1%, the maximum annual interest rate (APR): 4%, the loan interest rate (APR) is fixed and varies by 1% at 4% and the duration of the loan is. between 30 days and 60 months. For the first time between 30 and 60 days from the availability of the fund, monthly payments are taken on the 10th of each month.