Loan simulator in Luxembourg
Work out the monthly instalment, the APR and the total cost of your loan, then estimate how much you can borrow based on your income and outgoings. Free, anonymous and with no obligation.
How does the loan simulator work?
The simulator, at the top of this page, works out your loan in four steps:
- Choose your loan: personal loan, debt consolidation, home improvement loan, energy loan or car loan.
- Enter the amount you would like to borrow.
- Choose the term: each box already shows its monthly instalment, so you can compare terms at a glance.
- Read the result: monthly instalment, fixed borrowing rate, APR and total amount repayable.
The simulation is free, anonymous and with no obligation. The rates come straight from our current grid: the simulator shows you what we offer today for that amount and term, subject to acceptance of your application.
How much can I borrow?
It all depends on your income and the commitments you already have (rent, other loans, etc.). We look at two things: the share of your income that goes on repaying your commitments, including the new instalment, and the amount you have left to live on each month, which must not fall below a minimum.
That share should ideally stay below half of your income, and can go further if your income is higher. What you have left to live on must be at least €1,100 for a single person and €1,500 for a couple.
Work out your borrowing capacity: enter your project, your income and your outgoings. The calculator applies these two guidelines, letting your outgoings go up to 60% of your income. It gives you the maximum monthly instalment, then the amount you could borrow for each term, at the rates of our current grid. Choose a term and apply: your application arrives already filled in.
Salaries, pensions, rental income.
Per month, if you receive any.
Per month.
All your current loans, per month.
Enter your income and outgoings: the result appears here.
Indicative estimate, at the rates of our current grid. It is neither an offer nor a credit approval: every application is reviewed personally.
Family benefits and maintenance you receive count towards what you have left to live on, but not towards the share of your income taken up by your commitments.
What is the monthly instalment for €10,000, €15,000 or €20,000?
Here are the monthly instalment and the total repayable on a personal loan for the most frequently requested amounts and terms.
| Amount | Monthly instalment | Total repaid |
|---|---|---|
| 10 000 €36 months | 327,03 €APR 11,49 %* | 11 773,08 € |
| 15 000 €36 months | 490,55 €APR 11,49 %* | 17 659,80 € |
| 15 000 €60 months | 301,81 €APR 7,95 %* | 18 108,60 € |
| 20 000 €60 months | 402,41 €APR 7,95 %* | 24 144,60 € |
| 20 000 €84 months | 308,48 €APR 7,95 %* | 25 912,32 € |
| 30 000 €84 months | 462,73 €APR 7,95 %* | 38 869,32 € |
| 50 000 €120 months | 598,06 €APR 7,95 %* | 71 767,20 € |
* Lowest rate in our grid for this amount and term, subject to conditions and to acceptance of your application.
Fixed borrowing rate, equal to the APR: Credit 24 never charges an arrangement fee. Your rate depends on your application: amount, term, income and outgoings. Subject to acceptance.
A longer term lowers the monthly instalment but raises the total cost: for €20,000, compare the lines over 60 and 84 months.
And for other types of loan?
Each loan has its own grid: the rate depends on the project, the amount and the term. Here are the most frequently requested instalments for each one.
Debt consolidation
Debt consolidation repays your current loans with a single new loan, with a single monthly instalment. The amount covers the balances of the loans bought out and, if you wish, an additional sum.
| Amount | Monthly instalment | Total repaid |
|---|---|---|
| 15 000 €60 months | 301,81 €APR 7,95 %* | 18 108,60 € |
| 20 000 €84 months | 308,48 €APR 7,95 %* | 25 912,32 € |
| 30 000 €120 months | 358,83 €APR 7,95 %* | 43 059,60 € |
| 50 000 €120 months | 598,06 €APR 7,95 %* | 71 767,20 € |
* Lowest rate in our grid for this amount and term, subject to conditions and to acceptance of your application.
Fixed borrowing rate, equal to the APR: Credit 24 never charges an arrangement fee. Your rate depends on your application: amount, term, income and outgoings. Subject to acceptance.
Home improvement loan
The home improvement loan finances the renovation of your house or flat, from materials to labour, on presentation of a quote or an invoice. It is an instalment loan, with no mortgage.
| Amount | Monthly instalment | Total repaid |
|---|---|---|
| 10 000 €60 months | 186,89 €APR 4,70 %* | 11 213,40 € |
| 20 000 €84 months | 278,95 €APR 4,70 %* | 23 431,80 € |
| 30 000 €120 months | 312,38 €APR 4,70 %* | 37 485,60 € |
| 50 000 €180 months | 390,03 €APR 4,90 %* | 70 205,40 € |
* Lowest rate in our grid for this amount and term, subject to conditions and to acceptance of your application.
Fixed borrowing rate, equal to the APR: Credit 24 never charges an arrangement fee. Your rate depends on your application: amount, term, income and outgoings. Subject to acceptance.
Energy loan
The energy loan finances the work and equipment that reduce your home's energy consumption, on presentation of a quote or an invoice. It can advance the money while you wait for a public grant such as the Klimabonus.
| Amount | Monthly instalment | Total repaid |
|---|---|---|
| 10 000 €60 months | 185,58 €APR 4,40 %* | 11 134,80 € |
| 20 000 €84 months | 276,27 €APR 4,40 %* | 23 206,68 € |
| 30 000 €120 months | 308,22 €APR 4,40 %* | 36 986,40 € |
| 50 000 €180 months | 382,64 €APR 4,60 %* | 68 875,20 € |
* Lowest rate in our grid for this amount and term, subject to conditions and to acceptance of your application.
Fixed borrowing rate, equal to the APR: Credit 24 never charges an arrangement fee. Your rate depends on your application: amount, term, income and outgoings. Subject to acceptance.
Car loan
The car loan finances a car or motorbike bought from a professional. Its rate depends on the age of the vehicle, counted from its first registration.
| Amount | Monthly instalment | Total repaid |
|---|---|---|
| 15 000 €60 months · New or up to 3 years | 281,58 €APR 4,89 %* | 16 894,80 € |
| 20 000 €60 months · New or up to 3 years | 375,44 €APR 4,89 %* | 22 526,40 € |
| 30 000 €84 months · New or up to 3 years | 422,31 €APR 4,99 %* | 35 474,04 € |
| 10 000 €48 months · Over 3 years | 238,42 €APR 6,99 %* | 11 444,16 € |
* Lowest rate in our grid for this amount and term, subject to conditions and to acceptance of your application.
Fixed borrowing rate, equal to the APR: Credit 24 never charges an arrangement fee. Your rate depends on your application: amount, term, income and outgoings. Subject to acceptance.
Our current rates
The starting rate for each loan, with the amount and term from which it applies. This table reads the same grid as the simulator.
Rates in force on 28 September 2026
| Credit | Fixed APR from | For this rate |
|---|---|---|
| Personal loanfrom 10 000 € over 60 months or more | 7,95 % | from 10 000 € over 60 months or more |
| Debt consolidationfrom 10 000 € over 60 months or more | 7,95 % | from 10 000 € over 60 months or more |
| Home improvement loanfrom 10 000 € over 60 months or more | 4,70 % | from 10 000 € over 60 months or more |
| Energy loanfrom 10 000 € over 60 months or more | 4,40 % | from 10 000 € over 60 months or more |
| Car loanfrom 10 000 € over 60 months or more | 4,89 % | from 10 000 € over 60 months or more |
Fixed annual percentage rate, excluding optional insurance. The rate depends on the amount borrowed, the term and your situation; it is subject to conditions and to acceptance of your application. See the lending conditions
What is the APR?
The APR, or annual percentage rate of charge, expresses the total cost of a loan as a yearly percentage of the amount borrowed. It includes the interest and all the compulsory charges linked to the loan. It is the figure to compare from one offer to the next: two loans at the same borrowing rate can have different APRs if one of them adds charges.
Credit 24 never charges an arrangement fee: the APR in our simulations is therefore equal to the borrowing rate. Optional insurance, if you choose any, is not included in the APR.
The borrowing rate is fixed: your monthly instalment never changes, from the first month to the last.
Is the result of the simulation guaranteed?
No. The simulation gives you the monthly instalment and the APR for the amount and term you chose, at the rate of our grid. A rate followed by an asterisk is a preferential rate, subject to the conditions shown below the simulator. Your final rate depends on your application: amount, term, income and outgoings. We review every application personally before any decision.
A loan from Credit 24 is open to residents of Luxembourg or Belgium who receive a regular income from one of those two countries. Full details are on the loan conditions page.
What happens after the simulation?
If the result suits you, click "Apply now" in the simulator: the loan, amount and term you chose are already filled in on the form. Applying is free and commits you to nothing.
We generally reply within 1 to 4 working hours. You then send us your documents, you sign your contract at our office, usually within 1 to 2 days, and the money is generally paid on the day you sign, and within 24 hours at most. The whole process is described on the How it works page.
The information on this page does not constitute a credit offer and is subject to acceptance of the loan application.
In the same section
How it worksRate barometer
The rate of each loan, recorded every month, and how it changes.Lending conditions
The criteria you need to meet to obtain credit in Luxembourg.Belgian residents
Cross-border worker or not, the same conditions as a Luxembourg resident.Required documents
The supporting papers to prepare for your credit application.Databases consulted
The data sources consulted for every credit application.Instalment loan
The fixed-instalment credit we offer: definition and advantages.