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Loans & mortgagesPersonal loansGlossary
Personal loans

Disbursement of a personal loan

There is a 14-day cooling-off period within which a borrower may withdraw from a loan agreement. For this reason, a loan is only paid out on the 15th day. This is regulated by the Consumer Credit Act (KKG).

Lenders define the start of the right of withdrawal period differently.

In most cases, the money is transferred to a bank account. Cembra is currently the only lender offering the option of having the loan paid out in cash at the counter. In a contract, this is described as a cash loan. However, the KKG also describes personal loans that are transferred to a bank account as cash loans.

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