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Loan against collateral – Conditions for jewellery & technology

The conditions for a loan against collateral with easy-PFAND in Hanover or Bochum are transparent for you to access at all times. There are no hidden costs. The interest and fees are here for you to consult anytime. The invoice samples are intended to give you an overview of the calculation.

Loan interest

We will calculate the legally stipulated loan interest for your loan. Per month this amounts to:

Loan interest 1%

Reimbursement of costs

The monthly reimbursement of costs is stipulated by the legislator for a loan of up to EUR 300.00 as follows:

Loans Reimbursement of costs
Up to EUR 15.00 EUR 1.00
Up to EUR 30.00 EUR 1.50
Up to EUR 50.00 EUR 2.00
Up to EUR 100.00 EUR 2.50
Up to EUR 150.00 EUR 3.50
Up to EUR 200.00 EUR 4.50
Up to EUR 250.00 EUR 5.50
Up to EUR 300.00 EUR 6.50


As from a loan of EUR 300.00 the following interest per month is applicable:

Loans Reimbursement of costs
From EUR 300.00 3.0%

Invoice samples

Example 1:
Loan amount of EUR 50.00 for a period of 30 days

Loan interest EUR 0.50
Reimbursement of costs EUR 2.00
Total EUR 2.50


Example 2:
Loan amount of EUR 200.00 for a period of 30 days

Loan interest EUR 2.00
Reimbursement of costs EUR 4.50
Total EUR 6.50


Example 3:
Loan amount of EUR 500.00 for a period of 30 days

Loan interest EUR 5.00
Reimbursement of costs (3.0%) EUR 15.00
Total EUR 20.00