Capitalo.at review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Capitalo.at suits Austrian borrowers comparing personal, car and mortgage finance in one place, with arrangement fees of 0 EUR (no processing fee at top compared providers) and APR of 5.47% to 12.5%. As a broker, the final rate and the 24 to 48 hours payout sit with the bank that approves you.

Key facts

Best for
Austrian borrowers who want personal, car or mortgage finance compared in one place.
APR
5.47% to 12.5% (Source, checked September 26, 2026)
Loan amount
€1,000 to €75,000 (Source, checked September 26, 2026)
Term
12 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (no processing fee at top compared providers) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
24 to 48 hours (Source, checked September 26, 2026)
Representative example
easybank easy Kredit: 5.47% effective annual rate, EUR 34,500 loan over 60 months, monthly rate EUR 654.63, total amount payable EUR 39,277.80 (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Minimum age 18, residence in Austria, Austrian bank account (IBAN AT), regular income (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Legal entity
Capitalo Finanzservices GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Email, Phone, Community (Source, checked September 26, 2026)
Official website
capitalo.at

Mortgages

Initial rate
2.8% (Source, checked September 26, 2026)
APRC
2.8% (Source, checked September 26, 2026)
Fixed period
5 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
Capitalo Finanzservices GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Email, Phone, Community (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
WikidataLinkedInxing.comfacebook.com

Pros and cons

Pros

  • Arrangement fees of 0 EUR (no processing fee at top compared providers) on personal, debt consolidation and car loans, and a €0 product fee on the mortgage side
  • Mortgage offers carry a 2.8% initial rate, an 2.8% APRC and 5 of fixed period on home finance
  • Free early repayment, so clearing a balance ahead of schedule carries no extra charge on personal, debt consolidation and car loans
  • Funding in 24 to 48 hours with support on email, phone and community once a lender approves

Cons

  • A hard credit check against a good credit profile rules out anyone with a thin credit file
  • The rate type is variable, so the monthly repayment can move after you sign and the headline rate is not a guarantee
  • As a broker you deal with the lender it picks, and support runs on email, phone and community with no live chat listed
Capitalo.at

Ready to try Capitalo.at?

Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Austrian residents with regular income and an Austrian bank account who would rather compare personal, debt consolidation and car loans in one place
  • Borrowers who want setup fees of 0 EUR (no processing fee at top compared providers) and a term of 12 to 120 to work with
  • Homebuyers and movers weighing a 2.8% initial rate and a maximum loan to value of 90% on the mortgage side

Who should look elsewhere

  • Readers who want the rate to stay put after signing, because the rate type here is variable and the final quote comes from the lender
  • Anyone weighing costs across currencies, since Cashspace quotes APR of PHP 12 to PHP 36 in a different currency from the euro figures here
  • Borrowers chasing the lower starting rate, since the range Capitalo.at places you with runs at 5.47% to 12.5% against Monzo Flex at 10% to 23%

How Capitalo.at compares

Where Capitalo.at is available

Available
Austria, Germany
Licence in Germany
Registered financial investment intermediary (Finanzanlagenvermittler, Sec. 34f GewO) and insurance representative (Sec. 34d GewO), Germany, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a loan from Capitalo.at cost?+

Consumer loans are quoted at APR of 5.47% to 12.5%, against a site median of 12%. The rate type is variable, so the figure depends on the lender Capitalo.at places you with rather than on Capitalo.at itself, and it can move after you apply.

Are there any arrangement fees?+

Arrangement fees are 0 EUR (no processing fee at top compared providers) across the comparison, with the percentage fee at 0%. On the mortgage side the product fee is €0, so neither route is priced for setting the loan up.

How quickly does the money arrive?+

Funding takes 24 to 48 hours after a lender approves, so allow for a short wait rather than money on the same day. The application also runs a hard credit check, which is where the timeline usually starts.

Who can apply for a loan here?+

You need a minimum age, residence in Austria, an Austrian bank account and regular income. Applicants are measured against a good credit profile, and the consumer credit covers €1,000 to €75,000 over a term of 12 to 120.

Can I repay early without a charge?+

Early repayment is free, so clearing a balance ahead of the 12 to 120 schedule costs nothing extra. The same position runs across the personal, debt consolidation and car loans and the purchase and remortgage mortgage routes listed on the site.

How is Capitalo.at regulated?+

It trades as a broker, run by Capitalo Finanzservices GmbH, founded in 2014 and based in Germany, and is listed in Germany as a registered financial investment intermediary and an insurance representative. Because it brokers rather than lends, the contract and the money sit with the bank that approves you.

What do the mortgage offers look like?+

Mortgages carry a 2.8% initial rate and an 2.8% APRC, fixed for 5, with the loan capped at 90% of the property value. They cover purchase and remortgage, so a purchase and a remortgage run through the same desk.

How do I get hold of Capitalo.at?+

Support runs on email, phone and community, so a call or an email are the practical routes, with a community space as the remaining option. There is no live chat listed, and DE is the headquarters country behind them.

Sources

  • capitalo.at checked September 26, 2026

    Backs: Founded

  • capitalo.at/baufinanzierung checked September 26, 2026

    Backs: Product fee, Purpose

    “Immobilienkauf, Neubau; Anschlussfinanzierung”

  • capitalo.at/baufinanzierung/vergleich checked September 26, 2026

    Backs: APRC, Maximum loan to value

    “Effektivzins ab 2,8%/5J.”

  • capitalo.at/baufinanzierung/zinsen checked September 26, 2026

    Backs: Fixed period, Initial rate

    “Fixzins ab 2,8%/5J.”

  • capitalo.at/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Support channels, Licences

    “Capitalo Finanzservices GmbH, Zeisigweg 2A, 56170 Bendorf, Deutschland”

  • capitalo.at/kredit/vergleich checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Free early repayment, Funding time, Loan types, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “Ratenkredit (Konsumkredit): Betraege: 1.000 bis 75.000 EUR”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Capitalo.at

Capitalo.at

Austrian borrowers who want personal, car or mortgage finance compared in one place.

8.9/10See alternatives

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