Yes. As an existing Advanzia customer, you are receiving early notice of our new personal loan product. Genuine Advanzia emails come from an @advanzia.com sender address and link only to advanzia.com or advanzialoans.com domains. If you are unsure about an email, do not click the links - instead, log in to your customer portal directly or contact our customer service team to verify.

Your Advanzia credit card is a revolving credit line for everyday spending, with flexible repayment. The personal loan is a one-time, fixed-term financing option for a specific larger purchase, with fixed monthly installments and a defined end date. The two complement each other and can be used in parallel.

No. The personal loan is a separate product. Your credit card, your credit limit, and your existing terms remain unchanged. The two products run independently.

We are introducing the personal loan in a phased rollout to ensure that the experience meets the standard our customers expect from Advanzia. During this initial phase, we are able to process a limited number of loan requests, which we handle in the order they are received. We plan to expand availability after this phase.

If the allocation for this phase is full, we'll let you know immediately — you won't be left wondering. By submitting your request now, you're securing your place in the queue for the next phase. When we're ready to process more loans, we'll reach out to you first. You're not on a waitlist; you're already in our system and we will contact you.

Requests received after the initial allocation has been fully utilized will not be processed during this launch phase. You will be notified, and we will contact you when the next phase opens. There is no separate registration required.

Not at all. It means we've reached capacity for this first phase - but your request is logged with us, and you're first in line when we open the next phase. You didn't miss out; you're already ahead of anyone who hasn't submitted yet. We'll contact you directly when we're ready to move forward with new applications. Keep an eye on your inbox.

Select the amount and term you would like, complete a short online form, and submit your request. The request itself takes only a few minutes. We will then review it and contact you by email with the outcome before any binding agreement is required.

No. A loan request is submitted as a conditions inquiry (Konditionenanfrage), which is SCHUFA-neutral and does not affect your credit score. If you later decide to take the loan, the active credit agreement will be reported to SCHUFA — this is standard for all consumer loans in Germany.

After we have reviewed the loan request, we will contact you with a personalized offer or, where applicable, with a decision and next steps. You are under no obligation at this stage - you only decide whether to proceed once you have seen your terms.

Existing customers are prioritized during the initial rollout. Because we already have an established relationship, we are often able to offer more competitive terms.

As an existing Advanzia customer, your identity is already on file. The exact documents will be communicated during the application - you do not need to prepare anything in advance to submit your initial loan request.

Submitting your initial loan request takes only a few minutes. After you receive your personalized terms and decide to proceed, the time to disbursement depends on how quickly identity verification and any required documents are completed. We aim to communicate timing clearly at each step.