Erste Bank (loans): verified facts and rating
Licensed since: 2008 Checked 2026-10-30
Score breakdown
69% backed by facts · How we rank
Erste Bank (loans) against the market
The dot is the company, the line is the median of all companies in this ranking.
Maximum amount, % of country reference88%188%125% · median 112.5%
Longest term120 mo120 mo120 mo · median 120 mo
Erste Bank (loans) strengths and weaknesses
Pros
- Licence confirmed by the official list or a stated licence number
- Fees or full loan terms are readable without login
- Publishes how to complain
- Terms state that early repayment is free
Cons
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All facts
| Fact | Value | Source | Checked |
|---|---|---|---|
| Licensed since | 2008 Mit der Neugründung der Erste Bank Oesterreich als Leitinstitut der Sparkassengruppe im Jahr 2008 | sparkasse.at | 2026-10-30 |
| Licensed by the regulator | Yes Erste Bank der oesterreichischen Sparkassen AG, BLZ 20111, FN 286283f, § 1 Abs. 1 Z 3 BWG Kreditgeschäft | fma.gv.at | 2026-10-30 |
| Published rate, % of country reference | Not verified | — | |
| Free early repayment | Yes Vorzeitiges Rückzahlen spesenfrei möglich | sparkasse.at | 2026-10-30 |
| No arrangement fee | Not verified | — | |
| Fees or terms published | Yes Seite 3.300 FINANZIERUNGEN, Dienstleistungen für Verbraucherfinanzierungen, Konditionenaushang Ausgabe 15.09.2025 | cdn.erstegroup.com | 2026-10-30 |
| Complaints procedure | Yes Ombudsstelle, Beschwerden: Kontaktieren Sie die Ombudsstelle | sparkasse.at | 2026-10-30 |
| Online application for new customers | Not verified | — | |
| Support hours a week | Not verified | — | |
| Maximum amount, % of country reference | 125% Kredithöhe: 3.000 bis maximal 50.000 Euro · max 50000 EUR · index 100 = 40000 EUR (median at launch) | sparkasse.at | 2026-10-30 |
| Longest term | 120 mo Kreditlaufzeit: 12 Monate bis maximal 10 Jahre | sparkasse.at | 2026-10-30 |