All Anyfin loans are currently tied to the 3-month Euribor. Euribor (Euro Interbank Offered Rate) is the interest rate at which euro-area banks lend money to each other. A 3-month Euribor means the rate is adjusted every three months.
💡 Your interest consists of a margin and a reference rate
Your loan interest always includes:
📈 Reference rate – for example, the 3-month Euribor
➕ Margin – a fixed rate set by Anyfin
👉 Together, these form your nominal interest rate.
Example
3-month Euribor on 22.8.2025: 2.017 %
Margin: 8 %
➡️ Total: 10.017 %
🕒 Why are our loans tied to the 3-month Euribor?
Euribor is adjusted every three months.
This means your rate stays the same for 3 months at a time.
It keeps your loan rate relatively steady while still following market changes.
📬 How will you know about changes?
Any rate changes are shown on your previous monthly invoice.
This way, you’ll always know about interest changes well in advance.
For example: if Euribor changes on July 1, the new rate will already appear on your June invoice.
📉 What if rates go up?
Euribor can rise or fall depending on the market situation.
Our goal is to make sure your loan remains manageable despite rate fluctuations.
A shorter reference rate, like the 3-month Euribor, reacts more quickly to changes – which can benefit you if rates start going down.
If rising rates worry you, you can always reach out to us 🤝.