Credit for Students in Berlin

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Daka e.V. is a non profit organisation that gives loans to students for more than 65 years. We don´t want to do any profit with our work, our goal is to help you out with our favorable credit if you have  financial problems. We are a team consisting of several students, we want to help quickly and easily. We don't charge any hidden costs and we will always try to be as fair as possible.

We give our loan  independent of your age, origin, course of studies or earning of your parents. There are just two requirements. First, you have to be a student at one of our partner universities (see below) and second, you have to be in the last 36 months of your studies.

Please notice, that you will need somebody who guarantees for your credit. There are more information about that in the leaflet below.

Unfortunately, we can`t translate our whole homepage. If you have any questions, don`t hesitate to give us a call. If you are willing to apply for our credit please visit us during the office hours.

Our partner universities:

Alice Salomon Hochschule Berlin, Berlin School of Public Health, Beuth Hochschule für Technik, Charité Universitätsmedizin Berlin, Evangelische Hochschule Berlin, Freie Universität Berlin, Hertie School of Governance, Psychologische Hochschule Berlin, Technische Universität Berlin, Universität der Künste Berlin, Weißensee Kunsthochschule Berlin

Payment period

  • The amount of payment depends of your demand
  • The monthly rate is 750 EUR maximum
  • The term of payment is 36 months maximum
  • It is possible to have an extra installment of 1500 EUR in the beginning

Interest and Costs

  • There are no costs except of our interest
  • 2% in the first five years
  • 4% between the sixth and eighth year
  • 6% from year nine forward
  • Something very special about our credit is that we offer it with a fixed interest. So you know exactly how much you will have to pay from the beginning. Especially today, where the interest for credits is historically small, it is a big advantage to fix it for the whole term

Refunding period

  • The refunding period starts 6 months after your last payment. You can stretch it to one year
  • The monthly rate of refunding is 75 EUR for the first year if your whole credit is less than 4.000 EUR. It is 100 EUR for the first year above 4.000 EUR
  • The monthly rate of refunding increases with 25 EUR every year
  • You can always make an retirement (as much as you want) for free
  • We take care of your finacial situation. Usually we accept different refundings if it is necessary. We don`t charge extra costs in that case

How to apply for the credit?

If you are willing to apply for the credit without guidance, you can complete the forms and send them to us. Unfortunately they are in german so you will probably need someone to help you translate. Of course you can also come to our conversation time and we will help you. You can download the application here:

Use the calculator to show your personal conditon
credit calculator

Also see our leaflet