Frequently Asked Questions
Everything important at a glance
Can't find the answer to your question here? Contact us – we're happy to help.
You fill in our online form, we review your details and usually get back to you within a few business days with suitable offers from our partner network.
No. The initial consultation and the review of your enquiry are free of charge and non-binding.
No, AIC Finanz is not a credit institution. We provide independent advice and arrange financing offers from our partners – we do not offer our own online banking or customer account.
As a rule, we need basic information about you, your financing request and your financial situation. Which further documents are specifically required is clarified in a personal conversation.
Yes. Under "Services" you will find our business financing offering – from working capital loans to investment financing.
This depends on the chosen financing partner and your individual situation. After you submit your application, we keep you informed transparently about the expected processing time.
Yes, that is one of our core services. We check whether refinancing is worthwhile for you and take care of arranging the payoff.
Via our contact form, by email to kontakt@aic-finanz.de, by phone, or via the live chat in the bottom right of the website.
Good to Know
Financial terms explained simply
Basic knowledge about loans and financing so you can make well-founded decisions.
With a secured loan, an asset (e.g. a property) serves as collateral, which often allows for lower interest rates. An unsecured loan is based solely on your creditworthiness, without any collateral pledged.
Your creditworthiness influences whether and on what terms you receive financing. Good creditworthiness generally leads to better interest rates and faster approval.
The effective annual percentage rate shows the actual total cost of a loan per year, including interest and fees. It is the key figure for fairly comparing different financing offers.
Interest is the compensation for lending the money, while repayment is the paying back of the borrowed amount itself. Your monthly installment usually consists of both components.
