Updated September 28, 2026

What is Pricing model?

In short

A pricing model is how a lender works out the rate on a loan or a credit line.

A pricing model describes how a lender works out the rate on a loan or a credit line, and therefore what you pay for the money. A fixed-rate model holds the rate for the whole agreed period, so repayments stay level and the total does not drift. On this list every provider sits on a fixed rate model: 1822direkt, Aave GHO / Compound Treehouse, ABA Bank, Abe Student Loans and ABN AMRO Zakelijk.

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