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🇦🇹 FinBot – Digital credit application prep

Your credit request – clear, digital, guided

Structured preparation • Transparent process • Personal support

High data security: GDPR‑compliant encryption
Fast digital process: Clear steps, less waiting time
Transparent assessment: Not a comparison platform – digital preparation
No upfront costs*: No hidden fees
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Person using FinBot on a laptop
Credit brokerage in Austria – digital & personal

FinBot combines smart technology with real support – so you reach suitable terms quickly and securely.

High data security
Fast digital process
Transparent assessment
No upfront costs*

Calculate your credit & start the request

Indicative figures based on your inputs – final terms depend on bank review.

Note: results are non-binding and depend on documents and credit assessment.

New credit – indicative calculation

Choose amount, term and purpose – we prepare your request digitally.

Transparent. Guided. Bank-ready preparation.

From €500 up to €1,000,000
Flexible terms from 3 to 480 months
Select purpose

Solutions for different needs

From personal loans to refinancing – we help you prepare your request.

Personal loan

Flexible financing for everyday needs.

Car loan

Financing for new and used cars.

Real estate loan

Purchase, construction or renovation – bank-ready preparation.

Refinancing / Consolidation

Bundle multiple loans into one plan and clearly compare total costs.

Person symbolizing financial success

Your FinBot promise: confidence at every step

We ensure a transparent, secure, and efficient process. Focus on your plans – FinBot takes care of the details.

  • Error‑free dossier
  • Bank‑ready pre‑check included
  • Maximum data security (GDPR)
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Credit brokerage in Austria – digital & personal

FinBot combines smart technology with real support – so you reach suitable terms quickly and securely.

No more bank appointments

100% digital process – from calculation to payout. Save time and trips.

Transparent interest comparisons

Real ranges from real banks. No teaser rates – realistic conditions.

Bank-ready assessment

FinBot calculates like banks do – with realistic household budgets and credit checks.

Maximum data security

Bank-level encryption and GDPR compliance. Your data is safe with us.

No upfront costs*

No prepayment. A fee may only apply in case of success and according to our agreement.

Strong partner network

Best market coverage across Austria – from major banks to regional specialists.

Personal support

Our expert team is here for you – even after the financing is arranged.

Fast payout

After approval, payout is usually within 24–48 hours.

Challenging cases

Solutions even with poor credit, special cases or after bankruptcy – subject to conditions.

How FinBot works

Your optimal loan in just 4 steps – faster than ever.

1

Calculate & compare

Enter your preferences and instantly see realistic interest comparisons from 20+ partner banks.

2

Apply with FinBot

Our smart chatbot guides you through the application – simple, fast, and easy to understand.

3

Professional review

Our expert team checks documents, prepares a household budget, and negotiates the best conditions.

4

Payout & service

After approval, payout is quick and straightforward. Support even afterwards.

FAQ

Everything you need to know about our credit brokerage

The simulation with interest comparison appears instantly. After you submit the FinBot request, you’ll receive a binding pre-assessment within 24–48 hours (depending on documents).

Yes, absolutely. There are no upfront costs. In a successful mediation, a fee may be paid by the bank and/or by you, depending on the agreement.

The simulation shows realistic market conditions. Binding offers are issued only after the bank checks your creditworthiness and documents.

That depends on your current conditions. Our refinancing calculator honestly shows whether savings are possible. If the result is negative, refinancing doesn’t pay off.

Depending on your situation, you can request a personal loan, car loan, real-estate financing as well as refinancing/consolidation. FinBot guides you to the right category and shows realistic ranges.

Banks typically require an ID, recent income proofs (e.g., payslips), bank statements, proof of residence, and—if you already have loans—the existing loan contracts. If you are self-employed, additional documents like tax assessments, management accounts (BWA) and annual statements may be needed. FinBot shows you exactly what is required in your case.

Solutions are often possible, but certain minimum requirements must be met (e.g., stable income, plausible budget surplus, no ongoing enforcement proceedings, clear documentation). FinBot asks the relevant questions and indicates what needs to be improved or provided.

FinBot checks your household budget (income/expenses), existing obligations, the fit between desired instalment and term, plausibility of inputs and common bank criteria (e.g., employment status, age, residency/documents). This gives you a realistic assessment early on.

We use encryption and security measures appropriate for financial services and comply with GDPR. Data is processed only for the purpose of credit brokerage and shared with partner banks only with your explicit consent.

Some partner banks may consider applications even with a negative KSV report. Conditions are usually higher, and financing may be possible depending on the overall situation.

If a bank declines, we review alternatives within our partner network and provide an honest assessment. You may also receive tips on how to improve your chances (e.g., documents, budget, repayment term).

No. The displayed result is an indicative market simulation. Binding offers are made only by the bank after assessing creditworthiness and documents.

Start your digital credit request now!

FinBot prepares a bank‑ready dossier so your broker can secure the best conditions for you.

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