SWK Bank Review & Experience
Bank • Loans 2.500,00 € - 100.000,00 €
💳 Apply for SWK Bank Loan
APR from 3.99% • Approval in 96h
Apply Now →Affiliate link • Commission-based
📊 SWK Bank at a Glance
General Information
- Provider type: Bank
- Rating: 8.1/10
- Legal name: SWK Bank GmbH
- Approval rate: ~77%
Loan Terms
- Loan amount: 2.500,00 € - 100.000,00 €
- APR: 3.99% - 12.99%
- Speed: 96h
Example Calculation (APR) at SWK Bank
This example calculation is for orientation only. Your personal APR depends on creditworthiness (SCHUFA score), term, and loan amount.
| Loan Amount | Term | APR (Range) | Monthly Payment (approx.) | Total Repayment (approx.) |
|---|---|---|---|---|
| 10.000,00 € | 48 months | 3.99% – 12.99% | 246,44 € | 11.828,92 € |
About SWK Bank
SWK Bank is a bank for loans in Germany. As a licensed bank, it offers an additional level of security and regulation compared to alternative lenders.
With available amounts between 2.500,00 € and 100.000,00 €, SWK Bank is suitable for larger financial needs.
Frequently Asked Questions about SWK Bank
How do I apply for a SWK Bank loan?
Click "Apply now", fill out the online form (~5 minutes), upload required documents, and receive a decision within 96 hours. SWK Bank offers a fully digital application process.
What documents are required for SWK Bank?
For a SWK Bank loan you need:
- Valid ID or passport
- Payslips (last 3 months)
- Bank statements (last 3 months)
- Proof of address (registration certificate)
What are the interest rates at SWK Bank?
SWK Bank offers APR from 3.99% to 12.99%.
The exact rate depends on your creditworthiness (Schufa score), loan amount, and term.
Representative example: 8.49% APR
Is SWK Bank safe and regulated?
SWK Bankis a <strong>BaFin-regulated bank</strong> meeting the highest German consumer protection standards. All loans are subject to BaFin oversight and consumer credit law (§ 491 BGB).
Can I repay a SWK Bank loan early?
Yes, SWK Bank allows early repayment. Under German consumer credit law, lenders may charge a maximum of:
- 1% of outstanding amount (remaining term > 1 year)
- 0.5% of outstanding amount (remaining term ≤ 1 year)
What Schufa score do I need for a SWK Bank loan?
SWK Bank prefers applicants with good to excellent credit scores.
Typical requirements:
- Schufa score > 90%: Best rates (3.99% APR)
- Schufa score > 80%: Standard rates (12.99% APR)
- Schufa score < 80%: Individual assessment required
Approval rate at SWK Bank: 77%
⚖️ Legal Information
SWK Bank is a BaFin-regulated bank and meets German consumer protection standards.
Official website: https://www.swkbank.de
All information is sourced from the official SWK Bank website and is for informational purposes only. Always read the contract terms before signing. Responsible lending is mandatory in Germany. Market oversight is conducted by BaFin.
Author: Rostislav Sikora – AI Orchestrator & Loan Expert (25+ years in financial services)
Last updated: 12 January 2026