How your rate is calculated.
Six independent factors. One hundred points. No secret rules. Every factor is published, every weight is fixed, every result is reproducible — so you can audit your own score before you apply.
Six inputs.
One fair number.
- 0125 pts
Available net income
Your monthly income after tax, rent and living costs. The single biggest weight — €3,000+ maxes the bracket.
- 0218 pts
Debt-to-income ratio
Your existing monthly debt payments as a share of net income. Under 15% earns the most points.
- 0316 pts
Employment & income stability
Permanent, fixed-term, self-employed, student, or irregular. No moral judgment — just how steady the income is.
- 0420 pts
Repayment history
Only counts if you've borrowed on CommonLend before. A perfect record adds points; repeated late payments deduct them.
- 0510 pts
Loan-to-income ratio
How large your requested loan is relative to your monthly net income. Smaller asks score higher.
- 0611 pts
Open-banking cash-flow
The stability of your account inflows and end-of-month balance, read from a connected bank account at application.
Identity verification (eIDAS KYC) is a mandatory step before you apply — not a scored factor. It never adds to or subtracts from your points.
From A to F — no in-between.
- A10–12%85–100
- B12–15%70–84
- C15–18%55–69
- D18–21%40–54
- E21–25%25–39
- FDeclined0–24