Comprehensive financing options tailored to your needs with competitive 4% rates across all products
From personal projects to business investments, we have the perfect solution for you
Perfect for education, medical expenses, or personal purchases. Flexible repayment terms with no prepayment penalties. Quick approval process with minimal documentation required.
Apply NowHome ownership made accessible with competitive rates and flexible terms. Professional property valuation included. Special rates for first-time buyers and refinancing options available.
Apply NowInstant financing for cars, appliances, electronics, and more. Fast approval with online application. No collateral required for amounts under €25,000. Flexible payment options available.
Apply NowSpecialized financing for farming equipment, land acquisition, and seasonal operations. Seasonal payment schedules available. Expert agricultural lending team with industry knowledge.
Apply NowMake your dream trips reality with instant travel financing. Study abroad programs, family vacations, or business travel. No geographic restrictions with worldwide coverage.
Apply NowFuel business growth and expansion projects. Equipment financing, working capital, and commercial real estate. Professional business plan analysis and advisory services included.
Apply NowTransform your home with comprehensive renovation financing. Kitchen upgrades, bathroom remodeling, or complete home makeovers. Progress-based disbursement available for large projects.
Apply NowUnique projects require unique solutions. Our custom financing adapts to your specific needs and circumstances. Expert consultation to design the perfect lending solution for you.
Apply NowCompare our credit products at a glance
| Credit Type | Interest Rate | Min Amount | Max Amount | Max Duration | Processing Time | Collateral |
|---|---|---|---|---|---|---|
| Personal | 4% APR | €1,000 | €75,000 | 84 months | 24-48h | Not required |
| Mortgage | 4% APR | €50,000 | €2,000,000 | 360 months | 5-10 days | Property |
| Consumer | 4% APR | €500 | €50,000 | 60 months | 2-24h | Optional |
| Agricultural | 4% APR | €5,000 | €500,000 | 180 months | 3-7 days | Equipment/Land |
| Travel | 4% APR | €1,000 | €25,000 | 48 months | 1-24h | Not required |
| Investment | 4% APR | €10,000 | €1,000,000 | 120 months | 5-10 days | Business assets |
| Renovation | 4% APR | €2,000 | €150,000 | 120 months | 2-5 days | Property equity |
| Custom | 4% APR | €1,000 | €500,000 | 180 months | 3-10 days | Case by case |
Understanding what you need to apply
Plan your financing with our comprehensive calculator
Real experiences from our satisfied clients
"CYSA HOLDING helped us secure our dream home with their 4% mortgage rate. The process was smooth and transparent from start to finish."
"The investment loan allowed me to expand my restaurant chain. The 4% rate made the financing affordable and the ROI exceeded expectations."
"Our home renovation was completed ahead of schedule thanks to CYSA's flexible disbursement system. The 4% rate saved us thousands."
Answers to detailed questions about our credit products