Loans in Austria 2026

Taking out a loan in Austria in 2026 means paying somewhere between 5.47% and 12.50% effective APR for consumer credit. The cheapest offers come from easybank (5.47%) and Santander (5.50%), while the average according to the Austrian National Bank (OeNB) sits around 8%. On a EUR 10,000 loan, the difference between the cheapest and most expensive provider adds up to over EUR 1,100. Worth checking.

This page brings together our loan guides for Austria: from personal loans and micro loans to mortgages. Plus a loan calculator, current market data, and information about your rights as a borrower. All content is independently researched and written for the Austrian market (KSV credit bureau, FMA financial authority, Austrian consumer credit law).

The basic requirements are the same across banks: at least 18 years old, primary residence registered in Austria (most banks want at least two years), regular income, an Austrian bank account, and a clean KSV credit record. Your creditworthiness is checked through the KSV (Kreditschutzverband von 1870) or CRIF.

The Austrian Chamber of Labour (Arbeiterkammer) recommends keeping total monthly loan payments below 40% of your net income. With EUR 2,500 net, that means a maximum of EUR 1,000 per month for all loan obligations combined. Factor in existing commitments like leasing, phone contracts, and any other recurring payments.

For the full list of required documents, see our credit guide. Questions about creditworthiness? Our KSV guide for expats covers that in detail.

The Austrian Consumer Credit Act (Verbraucherkreditgesetz, VKrG) gives you several rights that are worth knowing:

• 14-day withdrawal right: After signing, you can cancel the loan contract within 14 days without giving a reason. You only return the principal plus accrued interest.
• Early repayment: You can repay your loan early at any time. The maximum penalty is 1% of the remaining balance (0.5% if less than 12 months left).
• Cost transparency: The lender must disclose the effective APR before you sign. This includes all costs, not just the nominal interest.
• Right to information: Before signing, the lender must provide the European Standard Information Sheet (ESIS).

The Austrian Financial Market Authority (FMA) supervises lending institutions. If you have a complaint about unfair lending practices, the FMA is where to go.