TF Bank DE review

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

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Our verdict

TF Bank DE is a straightforward fixed-rate lender for German residents who want a personal or debt consolidation instalment loan. Costs are the trade-off: 17.58% sits well above the site median of 12%, and the rate is fixed for the full term.

Key facts

Best for
German residents with regular income who want a predictable instalment loan and can live with 17.58%.
APR
17.58% (Source, checked September 26, 2026)
Loan amount
up to €15,000 (Source, checked September 26, 2026)
Term
up to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (no processing fees) (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
usually within one business day (Source, checked September 26, 2026)
Representative example
Net loan 5,300 EUR, bound rate 16.30% p.a., effective annual rate 17.58%, term 80 months, 80 instalments of 109.05 EUR, total 8,724.00 EUR (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Must be of age, have a fixed residence in Germany and a regular income (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Avarda Bank AB (publ) (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Founded
1987 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line
Official website
tfbank.de

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIninstagram.com

Pros and cons

Pros

  • No processing charges: arrangement fee of 0 EUR (no processing fees)
  • Fixed rate of fixed loans, so payments do not shift
  • Fast payout, usually within one business day
  • Lends direct, direct lender, with a credit line as credit line

Cons

  • Effective annual rate of 17.58% is well above the site median of 12%
  • Free early repayment: no, so paying off sooner still carries charges
  • Borrowing is capped at up to €15,000, with repayments spread over up to 120
TF Bank DE

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Who it suits

  • Adults with a fixed residence in Germany and a regular income
  • Borrowers consolidating existing debts into one instalment
  • Anyone who values a fixed rate over the cheapest headline rate

Who should look elsewhere

  • Monzo Flex, where 10% to 23% is lower for UK borrowers
  • Cashspace, at PHP 12 to PHP 36
  • Cashspace ES, which shows 0%

Where it sits among rivals

TF Bank DE ranks 95 out of 685 brands on how much they will lend, and 234 out of 350 on the annual percentage rate. A ceiling of up to €15,000 is generous against a site median loan amount of €876.96, while the 17.58% rate is a long way above the 12% site median.

Who runs it

TF Bank DE is operated by Avarda Bank AB (publ), headquartered in Sweden, and the group was founded in 1987. It supervises through the Swedish Financial Supervisory Authority, which is the regulator listed for its home market. Customer service runs on email, phone and help centre, so help comes by email, phone or the help centre.

How TF Bank DE compares

Where TF Bank DE is available

Available
Germany, Sweden
Licence in Sweden
Swedish Financial Supervisory Authority (Finansinspektionen), checked September 26, 2026

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

Frequently asked questions

What does a TF Bank DE loan cost?+

The effective annual rate is 17.58% and the rate is fixed, so the figure holds across a term of up to 120. There is no processing fee: the arrangement fee is 0 EUR (no processing fees), or 0% of the amount borrowed. Most cost sits in the interest rather than in upfront charges.

How much can I borrow and for how long?+

The loan amount reaches up to €15,000, which is well above the site median of €876.96. Repayment terms of up to 120 give room to spread a larger purchase over a longer schedule. Use cases include home improvement, and personal and debt consolidation cover the main purposes.

Can I repay early without extra charge?+

Free early repayment is not offered on this loan. If you plan to clear the balance sooner than the schedule, the cost of doing so is worth weighing against the fixed rate and the term of up to 120 before you sign.

How long does it take to get the money?+

Funding is usually within one business day, per the stated usually within one business day. The check is a soft prequalification, so a soft prequal stage lets you see where you stand before a full decision. Once approved, the payout is one of the quicker turns among rivals.

Who regulates the lender?+

The legal entity behind TF Bank DE is Avarda Bank AB (publ), based in Sweden, and it is listed under the Swedish Financial Supervisory Authority. Its home market supervision therefore sits outside Germany, which is worth weighing if you are borrowing in Germany.

How do I contact them?+

Support runs on email, phone and help centre, which means email, phone and a help centre. Email and the help centre suit questions you can send in writing, while phone suits anything about the application or an existing instalment plan.

Does it offer a revolving credit line?+

A credit line is available as a credit line alongside the instalment loan, while the main products are personal and debt consolidation and fixed rate loans. The difference matters: a credit line lets you draw as you need it, whereas the instalment loan sets the amount and schedule up front.

Sources

  • fi.se checked September 26, 2026

    Backs: Licences

  • tfbank.de checked September 26, 2026

    Backs: Features

  • tfbank.de/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity

    “Avarda Bank AB, Lilla Brogatan 6, Boraes, SE-503 30, Schweden”

  • tfbank.de/ratenkredit checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Free early repayment, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Support channels, Term, Use cases

    “TF Bank Ratenkredit: net loan amount 5,300 EUR, bound nominal interest rate 16.30% p.a., effective annual rate 17.58%”

  • tfbank.de/uber-uns checked September 26, 2026

    Backs: Founded

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

TF Bank DE

TF Bank DE

German residents with regular income who want a predictable instalment loan and can live with 17.58%.

9.1/10Visit

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