{"id":4347,"date":"2026-02-12T21:11:53","date_gmt":"2026-02-12T21:11:53","guid":{"rendered":"https:\/\/smartsightings.com\/?p=4347"},"modified":"2026-02-12T21:11:56","modified_gmt":"2026-02-12T21:11:56","slug":"rec-ln-sparkasse-de","status":"publish","type":"post","link":"https:\/\/smartsightings.com\/de\/rec-ln-sparkasse-de\/","title":{"rendered":"SST rec | ln | Sparkasse"},"content":{"rendered":"<!--landing--><div class=\"wp-block-lazyblock-landing-page-variant lazyblock-landing-page-variant-Z2f2N5O\"><div id=\"landing\" style=\"\" class=\"mb-40\">\n  <section class=\"text-gray-600 body-font border-gray-200 sm:border-0\">\n    <div style=\"max-width: 850px;\" class=\"sm:pt-6 mx-auto block\">\n      <div class=\"text-center py-3 px-5\">\n        <p data-av-subtitle class=\"leading-relaxed sm:w-3\/4 mx-auto mb-0\">\n          Kredit online berechnen und passende Optionen entdecken.        <\/p>\n      <\/div>\n\n              <section id=\"half\" class=\"text-gray-600 body-font border-gray-200 sm:border-0\">\n          <h4 class=\"pt-3 text-center text-gray-900 text-2xl title-font font-medium px-5 mb-12\">\n            Sparkassenkredit online: Betr\u00e4ge bis 80.000 \u20ac vergleichen          <\/h4>\n          <div id=\"si_top_wrapper\" style=\"height:600px;\" align=\"center\" class=\"w-full border-gray-200 border-b mt-8 mb-8 pb-5\">\n    <div align=\"center\" style=\"position: sticky; top: 120px;\" class=\"w-full\">\n                  <p style=\"font-size: 10px;\" class=\"uppercase text-center\">\n            Werbung          <\/p>\n                <div id=\"si_top\" >\n        <\/div>\n    <\/div>\n<\/div>\n          <p class=\"sm:hidden pb-2 text-center sm:text-left leading-relaxed px-5\">\n              Der Sparkasse Online-Kredit erm\u00f6glicht Ihnen eine digitale Kreditpr\u00fcfung mit klarerer \u00dcbersicht zu Betr\u00e4gen und Laufzeiten. Sie k\u00f6nnen aus der Option \u201eBedarf\u201c w\u00e4hlen und diese beschimpfen. So kombinierst du Online-Komfort mit der Sicherheit einer etablierten Bank.          <\/p>\n          \n          <div class=\"sm:hidden sm:px-0 py-6 mx-auto px-5\">\n            <div class=\"w-full mx-auto flex flex-wrap\">\n                              <a class=\"mx-auto block\" href=\"https:\/\/smartsightings.com\/de\/online-kredit-sparkasse-bewertung\/\" data-analytics-label=\"landingPageImage\" data-action=\"analytics#trackCTA\">\n                  <img decoding=\"async\" loading=\"lazy\" alt=\"card\" style=\"height: 190px;\" class=\"w-full h-64 object-cover object-center rounded border-gray-100 border-2\" src=\"https:\/\/smartsightings.com\/wp-content\/uploads\/2026\/02\/Online-Kredit-der-Sparkasse-2.jpg\">\n                <\/a>\n                                          <div class=\"lg:w-3\/5 w-full lg:pl-6 mt-6 lg:mt-0\">\n                                  <div class=\"flex\">\n                    <a class=\"flex text-white no-underline mt-10 m-auto sm:mr-0 sm:ml-auto\" href=\"https:\/\/smartsightings.com\/de\/online-kredit-sparkasse-bewertung\/\"  data-analytics-label=\"landingPageFirstButton\" data-action=\"analytics#trackCTA\">\n                      <button id=\"landing-first\" class=\"text-white flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-8 text-lg focus:outline-none rounded\">\n                        Details ansehen                      <\/button>\n                    <\/a>\n                  <\/div>\n                                      <p class=\"text-xs text-gray-500 mt-3 text-center sm:text-right\">\n                      Sie bleiben auf derselben Website                    <\/p>\n                                                                <\/div>\n            <\/div>\n          <\/div>\n          <div class=\"mt-10 h-1 bg-gray-200 rounded overflow-hidden sm:hidden mx-5\">\n            <div class=\"w-24 h-full\"><\/div>\n          <\/div>\n          <div class=\"hidden sm:block sm:px-0 py-6 mx-auto px-5\">\n            <div class=\"w-full py-3 mx-auto flex flex-wrap\">\n                              <img decoding=\"async\" loading=\"lazy\" alt=\"card\" style=\"height: 190px;\" class=\"lg:w-2\/5 w-full h-64 object-cover object-center rounded border-gray-100 border-2\" src=\"https:\/\/smartsightings.com\/wp-content\/uploads\/2026\/02\/Online-Kredit-der-Sparkasse-2.jpg\">\n                            \n              <div class=\"lg:w-3\/5 w-full lg:pl-6 mt-6 lg:mt-0\">\n                \n                \n                <p class=\"py-2 text-center sm:text-left leading-relaxed\">\n                  Der Sparkasse Online-Kredit erm\u00f6glicht Ihnen eine digitale Kreditpr\u00fcfung mit klarerer \u00dcbersicht zu Betr\u00e4gen und Laufzeiten. Sie k\u00f6nnen aus der Option \u201eBedarf\u201c w\u00e4hlen und diese beschimpfen. So kombinierst du Online-Komfort mit der Sicherheit einer etablierten Bank.                <\/p>\n                <div class=\"flex mt-6 items-center pb-5 border-b-2 border-gray-100 mb-5\">\n                <\/div>\n                                  <div class=\"flex\">\n                    <a class=\"flex text-white no-underline mt-10 m-auto sm:mr-0 sm:ml-auto\" href=\"https:\/\/smartsightings.com\/de\/online-kredit-sparkasse-bewertung\/\"  data-analytics-label=\"landingPageFirstButton\" data-action=\"analytics#trackCTA\">\n                      <button id=\"landing-first\" class=\"text-white flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-8 text-lg focus:outline-none rounded\">\n                        Details ansehen                      <\/button>\n                    <\/a>\n                  <\/div>\n                                      <p class=\"text-xs text-gray-500 mt-3 text-center sm:text-right\">\n                      Sie bleiben auf derselben Website                    <\/p>\n                                                                <\/div>\n            <\/div>\n          <\/div>\n        <\/section>\n      \n      <p class=\"text-center leading-relaxed sm:w-3\/4 mx-auto my-10 px-5\">\n        Informieren Sie sich online \u00fcber den Sparkassenkredit und verschaffe Ihnen einen \u00dcberblick \u00fcber m\u00f6gliche Finanzierungsoptionen \u2013 digital und nachvollziehbar      <\/p>\n            <div class=\"flex flex-wrap sm:w-full sm:mx-auto sm:mb-2 px-5\">\n        <div class=\"p-2 sm:w-1\/2 w-full\">\n          <div class=\"bg-gray-100 rounded flex p-4 h-full items-center\">\n            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"3\" class=\"w-6 h-6 flex-shrink-0 mr-4\" viewbox=\"0 0 24 24\">\n              <path d=\"M22 11.08V12a10 10 0 11-5.93-9.14\"><\/path>\n              <path d=\"M22 4L12 14.01l-3-3\"><\/path>\n            <\/svg>\n            <span class=\"title-font font-medium text-left\">\n              Online-Berechnung mit transparenten Konditionen            <\/span>\n          <\/div>\n        <\/div>\n        <div class=\"p-2 sm:w-1\/2 w-full\">\n          <div class=\"bg-gray-100 rounded flex p-4 h-full items-center\">\n            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"3\" class=\"w-6 h-6 flex-shrink-0 mr-4\" viewbox=\"0 0 24 24\">\n              <path d=\"M22 11.08V12a10 10 0 11-5.93-9.14\"><\/path>\n              <path d=\"M22 4L12 14.01l-3-3\"><\/path>\n            <\/svg>\n            <span class=\"title-font font-medium text-left\">\n              Pers\u00f6nliche Beratung auf Wunsch m\u00f6glich            <\/span>\n          <\/div>\n        <\/div>\n        <div class=\"p-2 sm:w-1\/2 w-full\">\n          <div class=\"bg-gray-100 rounded flex p-4 h-full items-center\">\n            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"3\" class=\"w-6 h-6 flex-shrink-0 mr-4\" viewbox=\"0 0 24 24\">\n              <path d=\"M22 11.08V12a10 10 0 11-5.93-9.14\"><\/path>\n              <path d=\"M22 4L12 14.01l-3-3\"><\/path>\n            <\/svg>\n            <span class=\"title-font font-medium text-left\">\n              Flexible Laufzeiten passend zu Ihrer Planung            <\/span>\n          <\/div>\n        <\/div>\n        <div class=\"p-2 sm:w-1\/2 w-full\">\n          <div class=\"bg-gray-100 rounded flex p-4 h-full items-center\">\n            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"3\" class=\"w-6 h-6 flex-shrink-0 mr-4\" viewbox=\"0 0 24 24\">\n              <path d=\"M22 11.08V12a10 10 0 11-5.93-9.14\"><\/path>\n              <path d=\"M22 4L12 14.01l-3-3\"><\/path>\n            <\/svg>\n            <span class=\"title-font font-medium text-left\">\n              Starke Regionale Bank mit langj\u00e4hriger Erfahrung            <\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      \n              <div class=\"mx-5\" data-anchor-target=\"lazyBlock\">\n          <a class=\"text-white no-underline\"  href=\"https:\/\/smartsightings.com\/de\/online-kredit-sparkasse-bewertung\/\" data-analytics-label=\"landingPageSecondButton\" data-action=\"analytics#trackCTA\">\n            <button id=\"landing-second\" class=\"flex mx-auto mt-16 border-0 py-2 px-8 focus:outline-none rounded text-lg\">\n              Details ansehen            <\/button>\n          <\/a>\n        <\/div>\n                          <p class=\"text-xs text-gray-500 mt-3 text-center\">\n            Sie bleiben auf derselben Website          <\/p>\n                        <\/div>\n  <\/section>\n\n    <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height > 100) { setTimeout(() => this.visible(), 1000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height > 10) { this.getAnchorElement().style.marginBottom = '60px'; } if (document.querySelector('[data-anchor-shown=\"true\"]') && document.querySelector('[data-anchor-shown=\"true\"]').style.bottom === '0px') { setTimeout(() => this.visible(), 1000); return; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); waitFor(_ => (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height > 10 && this.getAnchorElement().style.marginBottom !== '60px')) .then(_ => { this.closeAnchor(); }); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { if (this.closed) return; this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button data-no-translation class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"w-full justify-self-start flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"mx-2 h-1\/2\">\n            <p class=\"px-5 text-center pt-3 text-xs\">\n              Sparkassenkredit online: Betr\u00e4ge bis 80.000 \u20ac vergleichen            <\/p>\n          <\/div>\n          <div class=\"mx-2 mt-1 bottom-0 h-1\/2\">\n            <a class=\"w-full m-auto\" href=\"https:\/\/smartsightings.com\/de\/online-kredit-sparkasse-bewertung\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n              <button class=\"flex m-auto border-0 py-2 px-6 focus:outline-none rounded text-center text-sm\">\n                Mehr lesen              <\/button>\n            <\/a>\n            <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n              Sie bleiben auf derselben Website  \n            <\/p>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n\n  <link rel=\"prefetch\" href=\"https:\/\/smartsightings.com\/online-kredit-sparkasse-bewertung\/\">\n  <link rel=\"prerender\" href=\"https:\/\/smartsightings.com\/online-kredit-sparkasse-bewertung\/\">\n\n  <link rel=\"prefetch\" href=\"\">\n  <link rel=\"prerender\" href=\"\">\n\n  <div style=\"margin-top: 100px;\">\n     <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; import { Typos } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/typos.js\"; import { phoneNumberMask, writeEmailOptions } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/commons.js\"; let Stimulus = Application.start(); Stimulus.register(\"quiz\", class extends Controller { static get targets() { return [ \"quiz\", \"body\", \"block\", \"footer\", \"pane\", \"email\", \"name\", \"phone\", \"phoneField\", \"checkbox\", \"overlay\", \"submit\", \"unloader\", \"loader\", \"tooltip\", \"tip\", \"emailOptions\", \"formBox\", \"formData\", \"formMessage\", \"formBoxBackGround\", \"formTitle\", \"soi\", \"successMessage\", \"emailDiv\", \"phoneDiv\", \"nameDiv\", \"soiDiv\", \"skipper\", \"trigger\", \"link\", \"cta\", \"footnote\" ] } static get values() { return { showhighlight: Boolean }; } replaceAll(string, search, replace) { return string.split(search).join(replace); } initialize() { this.index = 0; this.formViews = 0; this.mode = 'email'; this.showContentForm = this.getViewEmailForm() || this.getViewPhoneForm() || this.getViewPushForm(); if (this.showContentForm) { this.showedHighlight = false; this.inProcessAnimate = false; } this.conditions = []; this.country = \"\"; this.phoneMaskOptions = { 'br': {\"areaCod\": \"+55\", \"areaCodSpace\": 2, \"dddSpace\": 2, \"prefixoSpace\": 4, \"prefixoSpace2\": 5, \"sufixoSpace\": 4, \"placeHolder\": \"(XX) XXXX-XXXX\" }, 'us': {\"areaCod\": \"+1\", \"areaCodSpace\": 1, \"dddSpace\": 3, \"prefixoSpace\": 3, \"sufixoSpace\": 4, \"placeHolder\": \"(XXX) XXX-XXXX\" }, 'ca': {\"areaCod\": \"+1\", \"areaCodSpace\": 1, \"dddSpace\": 3, \"prefixoSpace\": 3, \"sufixoSpace\": 4, \"placeHolder\": \"(XXX) XXX-XXXX\" }, 'pt': {\"areaCod\": \"+351\", \"areaCodSpace\": 3, \"dddSpace\": 3, \"prefixoSpace\": 3, \"sufixoSpace\": 2, \"placeHolder\": \"XXX XXX XXX\" }, 'es': {\"areaCod\": \"+34\", \"areaCodSpace\": 2, \"dddSpace\": 3, \"prefixoSpace\": 3, \"sufixoSpace\": 2, \"placeHolder\": \"XXX XXX XXX\" }, 'mx': {\"areaCod\": \"+52\", \"areaCodSpace\": 2, \"dddSpace\": 3, \"prefixoSpace\": 3, \"sufixoSpace\": 4, \"placeHolder\": \"XXX XXX XXXX\" }, 'ar': {\"areaCod\": \"+54\", \"areaCodSpace\": 2, \"dddSpace\": 2, \"prefixoSpace\": 4, \"sufixoSpace\": 4, \"placeHolder\": \"(XX) XXXX-XXXX\" }, 'co': {\"areaCod\": \"+57\", \"areaCodSpace\": 2, \"dddSpace\": 3, \"prefixoSpace\": 3, \"sufixoSpace\": 4, \"placeHolder\": \"XXX XXX XXXX\" }, 'za': {\"areaCod\": \"+27\", \"areaCodSpace\": 2, \"dddSpace\": 2, \"prefixoSpace\": 3, \"sufixoSpace\": 4, \"placeHolder\": \"(XX) XXX-XXXX\" }, 'de': {\"areaCod\": \"+49\", \"areaCodSpace\": 99, \"dddSpace\": 99, \"prefixoSpace\": 99, \"prefixoSpace2\": 99, \"sufixoSpace\": 99, \"placeHolder\": \"\" }, 'fr': {\"areaCod\": \"+33\", \"areaCodSpace\": 99, \"dddSpace\": 99, \"prefixoSpace\": 99, \"prefixoSpace2\": 99, \"sufixoSpace\": 99, \"placeHolder\": \"\" }, 'gb': {\"areaCod\": \"+44\", \"areaCodSpace\": 99, \"dddSpace\": 99, \"prefixoSpace\": 99, \"prefixoSpace2\": 99, \"sufixoSpace\": 99, \"placeHolder\": \"\" }, 'it': {\"areaCod\": \"+39\", \"areaCodSpace\": 99, \"dddSpace\": 99, \"prefixoSpace\": 99, \"prefixoSpace2\": 99, \"sufixoSpace\": 99, \"placeHolder\": \"\" } }; this.phoneMaskOption = (this.country in this.phoneMaskOptions) ? this.phoneMaskOptions[this.country] : this.phoneMaskOptions['br']; this.phoneTarget.placeholder = this.phoneMaskOption.placeHolder; this.searchParams = new URLSearchParams(window.location.search); this.quiz = this.replaceAll(window.location.pathname, '\/', ''); this.slug = this.quiz.split('-').slice(0, this.quiz.split('-').length - 1).join(''); this.hostname = \"smartsightings.com\"; let splitOptions = ['a', 'b', 'c', 'd']; this.splitTag = splitOptions[Math.floor(Math.random() * splitOptions.length)]; this.tags = 'quiz='+this.quiz+',host='+this.hostname+',slug='+this.slug+',split='+this.splitTag; if (this.country !== '') { this.tags += `,country=${this.country}`; } this.autocompleted = false; this.emsAccounts = [\n          {\n              'weight': 1.0,\n              'name': '',\n              'list': 1\n          }\n      ]; this.addPhone = true;; this.showForm = false;; this.skipForm = true;; this.showFormFirst = false;; this.triggerInterstitial = false;; this.exitIntent = \"\"; this.paneTargetsLength = this.paneTargets.length; if (!this.getViewEmailForm() && !this.getViewPhoneForm() && this.showFormFirst && this.paneTargetsLength > 1) { this.skip(); } if (!this.getViewAnyForm() && this.showFormFirst && this.paneTargetsLength > 1) { this.skip(); } if (!this.getViewEmailForm() && !this.getViewPhoneForm() && !this.showFormFirst) { this.paneTargetsLength = this.skipForm ? this.paneTargetsLength : this.paneTargetsLength - 1; this.skipForm = true; } if (!this.getViewAnyForm() && !this.showFormFirst) { this.paneTargetsLength = this.skipForm ? this.paneTargetsLength : this.paneTargetsLength - 1; this.skipForm = true; } this.typos = Typos; for (var paramKey of this.searchParams.keys()) { this.tags += paramKey.includes('utm_') ? `,${paramKey}=${this.searchParams.get(paramKey)}` : ''; } if (this.paneTargetsLength === 1 || this.showFormFirst) { this.insertPixels(); this.chooseEmsAccount(); this.chooseConditions(); this.getAnalyticsData(); } !this.skipForm || this.showhighlightValue ? this.manipulateForm() : ''; if (this.showFormFirst) { this.blockTarget.classList.add(\"animate-fade-in\"); this.blockTarget.classList.remove(\"hidden\"); this.enable(); } if (this.exitIntent.includes('http')) { let search = window.location.search; history.replaceState(null, document.title, location.pathname + \"#!\/history\"); history.pushState(null, document.title, location.pathname + search); window.addEventListener(\"popstate\", (function() { window.location.replace(this.exitIntent); }).bind(this), true); } } manipulateForm() {  if (this.getViewEmailForm()) { this.mode = 'email'; !this.addPhone ? this.phoneDivTarget.classList.add(\"hidden\") : ''; } else if (this.getViewPhoneForm()) { this.mode = 'phone'; this.emailDivTarget.classList.add(\"hidden\"); } else if (this.getViewPushForm()) { this.mode = 'push'; this.phoneDivTarget.classList.add(\"hidden\"); this.emailDivTarget.classList.add(\"hidden\"); this.nameDivTarget.classList.add(\"hidden\"); this.soiDivTarget.classList.add(\"hidden\"); this.enable(); }  } connect() { if (this.showhighlightValue && this.showContentForm && this.getFormViews() <= 1) { if (this.emsAccount === \"\") { const endpoint = \"https:\/\/form.smartsightings.com\"; if (endpoint !== \"\") { fetch(endpoint).then(response => response.json()).then(response => { if ('form-title' in response['content']) { this.emsAccounts = response['content']['accounts']; this.chooseEmsAccount(); this.country = response['content']['country'].toLowerCase(); this.tags += `,country=${this.country}`; this.phoneMaskOption = (this.country in this.phoneMaskOptions) ? this.phoneMaskOptions[this.country] : this.phoneMaskOptions['br']; this.phoneTarget.placeholder = this.phoneMaskOption.placeHolder; this.formTitleTarget.innerHTML = response['content']['form-title']; this.soiTarget.innerHTML = response['content']['soi']; this.submitTarget.innerHTML = response['content']['cta']; this.successMessageTarget.innerHTML = response['content']['success-message']; this.quizTarget.classList.remove('hidden'); this.observerScrollEmailForm(); this.formMessageTarget.style.height = this.paneTarget.offsetHeight + 'px'; this.formMessageTarget.children[0].style.marginTop = 0.4 * this.paneTarget.offsetHeight + 'px'; if (false && 'success-cta' in response['content'] && 'link' in response['content']) { this.linkTarget.classList.remove('hidden'); this.linkTarget.setAttribute('href', response['content']['link']); this.linkTarget.setAttribute('data-href', 'secondary_link' in response['content'] ? response['content']['secondary_link'] : response['content']['link']); this.ctaTarget.innerHTML = response['content']['success-cta']; if (!response['content']['link'].includes('\/\/smartsightings.com')) { this.footnoteTarget.classList.remove('hidden'); } this.formMessageTarget.children[0].style.marginTop = 0.25 * this.paneTarget.offsetHeight + 'px'; waitFor(_ => (document.cookie.includes(\"avInterstitialViewed=true\"))) .then(_ => { [this.linkTarget].forEach(linkTarget => { if (linkTarget.getAttribute('href') !== linkTarget.getAttribute('data-href')) { linkTarget.setAttribute('href', linkTarget.getAttribute('data-href')); if (!linkTarget.getAttribute('data-href').includes(\"smartsightings.com\")) { linkTarget.setAttribute('rel', 'nofollow'); } if (!linkTarget.getAttribute('data-href').includes('\/\/smartsightings.com')) { this.footnoteTarget.classList.remove('hidden'); } } linkTarget.removeAttribute('data-href'); }) }); } if (typeof window.wildcardController === 'object') { window.wildcardController.replaceWildcards(); } }; }).catch((error) => { console.error('Error:', error); }); } } else { this.quizTarget.classList.remove('hidden'); this.observerScrollEmailForm(); this.formMessageTarget.style.height = this.paneTarget.offsetHeight + 'px'; this.formMessageTarget.children[0].style.marginTop = 0.4 * this.paneTarget.offsetHeight + 'px'; } } } readTextFile(file, callback) { var rawFile = new XMLHttpRequest(); rawFile.overrideMimeType(\"application\/json\"); rawFile.open(\"GET\", file, true); rawFile.onreadystatechange = () => { if (rawFile.readyState === 4 && rawFile.status == \"200\") { callback(rawFile.responseText); } }; rawFile.send(null); } next(event) { this.index++; this.showCurrentPane(event); } insertRudderPixel() { if (typeof window.rudderanalytics !== 'object') { var e=window.rudderanalytics=window.rudderanalytics||[]; e.methods=[\"load\",\"page\",\"track\",\"identify\",\"alias\",\"group\",\"ready\",\"reset\",\"getAnonymousId\",\"setAnonymousId\"], e.factory=function(t){ return function(){ var r=Array.prototype.slice.call(arguments); return r.unshift(t), e.push(r),e } }; for(var t=0;t<e.methods.length;t++){ var r=e.methods[t]; e[r]=e.factory(r) } e.loadJS=function(e,t){ var r=document.createElement(\"script\"); r.type=\"text\/javascript\",r.async=!0,r.src=\"https:\/\/cdn.rudderlabs.com\/v2\/rudder-analytics.min.js?transport=beacon\"; var a=document.getElementsByTagName(\"script\")[0];a.parentNode.insertBefore(r,a) }, e.loadJS(), e.load('1qlJXFMeYUmTyucX6KUVQVEjBBM', 'https:\/\/rudder.adtechpanda.com') }; } insertFacebookPixel() { if (typeof window.av?.findTag !== 'undefined') { if (window.av.findTag('fb', '', 'formConversion') !== undefined) return; }  !function(f,b,e,v,n,t,s){ if(f.fbq)return; n=f.fbq=function(){ n.callMethod?n.callMethod.apply(n,arguments):n.queue.push(arguments) }; if(!f._fbq)f._fbq=n; n.push=n; n.loaded=!0; n.version='2.0'; n.queue=[]; t=b.createElement(e); t.async=!0; t.src=v; s=b.getElementsByTagName(e)[0]; s.parentNode.insertBefore(t,s) }(window, document,'script','https:\/\/connect.facebook.net\/en_US\/fbevents.js'); fbq('set', 'autoConfig', false, \"\"); fbq('init', \"\"); fbq('track', 'PageView');   } insertGooglePixel() {  window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);}; gtag('js', new Date()); gtag('config', \"\", {'allow_enhanced_conversions': true}); window.gtag = gtag; let gogleScript = document.createElement(\"script\"); gogleScript.type = \"text\/javascript\"; gogleScript.setAttribute('async', 'async'); gogleScript.src = \"https:\/\/www.googletagmanager.com\/gtag\/js?id=\"; this.quizTarget.appendChild(gogleScript);   } insertTiktokPixel() {  !function (w, d, t) { w.TiktokAnalyticsObject=t;var ttq=w[t]=w[t]||[];ttq.methods=[\"page\",\"track\",\"identify\",\"instances\",\"debug\",\"on\",\"off\",\"once\",\"ready\",\"alias\",\"group\",\"enableCookie\",\"disableCookie\"],ttq.setAndDefer=function(t,e){t[e]=function(){t.push([e].concat(Array.prototype.slice.call(arguments,0)))}};for(var i=0;i<ttq.methods.length;i++)ttq.setAndDefer(ttq,ttq.methods[i]);ttq.instance=function(t){for(var e=ttq._i[t]||[],n=0;n<ttq.methods.length;n++)ttq.setAndDefer(e,ttq.methods[n]);return e},ttq.load=function(e,n){var i=\"https:\/\/analytics.tiktok.com\/i18n\/pixel\/events.js\";ttq._i=ttq._i||{},ttq._i[e]=[],ttq._i[e]._u=i,ttq._t=ttq._t||{},ttq._t[e]=+new Date,ttq._o=ttq._o||{},ttq._o[e]=n||{};var o=document.createElement(\"script\");o.type=\"text\/javascript\",o.async=!0,o.src=i+\"?sdkid=\"+e+\"&#038;lib=\"+t;var a=document.getElementsByTagName(\"script\")[0];a.parentNode.insertBefore(o,a)}; ttq.load(\"\"); ttq.page(); }(window, document, 'ttq');   } insertTaboolaPixel() {  window._tfa = window._tfa || []; window._tfa.push({notify: 'event', name: 'page_view', id: Number(\"\")}); !function (t, f, a, x) { if (!document.getElementById(x)) { t.async = 1;t.src = a;t.id=x;f.parentNode.insertBefore(t, f); } }(document.createElement('script'), document.getElementsByTagName('script')[0], \"\/\/cdn.taboola.com\/libtrc\/unip\/\/tfa.js\", 'tb_tfa_script');   } insertMedianetPixel() {  !function(a, b, c, d, e, f, g) {if(a.ctrk)return;e=a.ctrk=function(){e.runner? e.runner.apply(e,arguments):e.q.push(arguments)}; e.q=[];f=b.createElement(c);f.async=true; f.src=d+'?d='+a.location.hostname;g=b.getElementsByTagName(c)[0]; g.parentNode.insertBefore(f,g);} (window, document,'script','https:\/\/c.pm-srv.co\/v1\/analytics.js'); ctrk('boot', \"\"); ctrk('record', 'page-land', {dnt: false});   } insertPixels() { this.insertRudderPixel(); this.insertFacebookPixel(); this.insertGooglePixel();    } chooseFrom(weights, results) { let num = Math.random(); let s = 0; let lastIndex = weights.length - 1; for (var i = 0; i < lastIndex; ++i) { s += weights[i]; if (num < s) { return results[i]; } } return results[lastIndex]; } chooseEmsAccount() { let emsAccount = this.chooseFrom( this.emsAccounts.map(account => account['weight']), this.emsAccounts ); this.emsAccount = emsAccount['name']; this.emsList = emsAccount['list']; }; prefetchLandingPages() { let link = document.createElement('link'); \/*let fbclid = this.searchParams.get('fbclid') ? '?fbclid=' + this.searchParams.get('fbclid') : ''; let gclid = this.searchParams.get('gclid') ? '?gclid=' + this.searchParams.get('gclid') : '';*\/ for (const condition of this.conditions) { let landingUrl = new URL(condition['link']); let landingPathname = landingUrl.pathname.split('\/').filter(elem => elem).join('-'); let conditionLink = `${condition['link']}`; if (!landingUrl.search) { conditionLink += window.location.search; } if (document.location.pathname[0] === '\/' && document.location.pathname[3] === '\/' && !conditionLink.includes(document.location.pathname.substr(0,3)) && !conditionLink.includes('app.')) { conditionLink = conditionLink.replace(document.location.hostname, document.location.hostname + document.location.pathname.substr(0,3)); } link = document.createElement('link'); link.rel = 'prefetch'; link.href = conditionLink; this.quizTarget.appendChild(link); link = document.createElement('link'); link.rel = 'prerender'; link.href = conditionLink; this.quizTarget.appendChild(link); } } chooseConditions() { this.conditions = []; if (typeof window.wildcardController !== 'undefined') { this.conditions = this.conditions.map(condition => ({ 'answers': condition['answers'], 'link': window.wildcardController.replace( this.chooseFrom( Object.values(condition['links']), Object.keys(condition['links']) ) ) })); } else { this.conditions = this.conditions.map(condition => ({ 'answers': condition['answers'], 'link': this.chooseFrom( Object.values(condition['links']), Object.keys(condition['links']) ) })); } this.prefetchLandingPages(); } showCurrentPane(event) { if (this.skipForm && event?.target !== undefined) { this.tags += `,answer=${event.target.innerText}`; } if (this.showFormFirst && this.index > 1 && event?.target !== undefined) { this.tags += `,answer=${event.target.innerText}`; } if (!this.showFormFirst && this.index <= this.paneTargetsLength - 1) { this.tags += `,answer=${event.target.innerText}`; } if (this.index > this.paneTargetsLength - 1) { this.submit(event); } else { this.paneTargets.forEach((element, index) => { if (index != this.index) { element.classList.add(\"hidden\"); } else { element.classList.remove(\"hidden\"); } }) } if (!this.showFormFirst && this.index === 1 && this.paneTargetsLength > 1) { this.insertPixels(); this.chooseEmsAccount(); this.chooseConditions(); this.getAnalyticsData(); } if (this.showFormFirst && this.index === 1 && this.isValid()) { this.sendForm(false); } if (this.index === this.paneTargetsLength - 1) { this.enable(); } } match(value, regexp) { const validationRegexp = (regexp instanceof RegExp ? regexp : (new RegExp(regexp))); return validationRegexp.test(value); } emptyInput(target) { target.classList.remove('border-red-700'); target.classList.remove('focus:ring-red-200'); target.classList.remove('border-green-700'); target.classList.remove('focus:ring-green-200'); target.classList.add('border-gray-300'); target.classList.add('focus:ring-gray-200'); } goodInput(target) { target.classList.remove('border-red-700'); target.classList.remove('focus:ring-red-200'); target.classList.remove('border-gray-300'); target.classList.remove('focus:ring-gray-200'); target.classList.add('border-green-700'); target.classList.add('focus:ring-green-200'); } badInput(target) { target.classList.remove('border-green-700'); target.classList.remove('focus:ring-green-200'); target.classList.remove('border-gray-300'); target.classList.remove('focus:ring-gray-200'); target.classList.add('border-red-700'); target.classList.add('focus:ring-red-200'); } checkEmail() { let split = this.emailTarget.value.toLowerCase().split(\"@\"); writeEmailOptions(this.emailTarget.value, this.emailOptionsTarget); let emailDomain = split[split.length - 1]; if (this.emailTarget.value === '' || !this.match(this.emailTarget.value, \/^((([a-z]|\\d|[!#\\$%&'\\*\\+\\-\\\/=\\?\\^_`{\\|}~]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])+(\\.([a-z]|\\d|[!#\\$%&'\\*\\+\\-\\\/=\\?\\^_`{\\|}~]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])+)*)|((\\x22)((((\\x20|\\x09)*(\\x0d\\x0a))?(\\x20|\\x09)+)?(([\\x01-\\x08\\x0b\\x0c\\x0e-\\x1f\\x7f]|\\x21|[\\x23-\\x5b]|[\\x5d-\\x7e]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])|(\\\\([\\x01-\\x09\\x0b\\x0c\\x0d-\\x7f]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF]))))*(((\\x20|\\x09)*(\\x0d\\x0a))?(\\x20|\\x09)+)?(\\x22)))@((([a-z]|\\d|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])|(([a-z]|\\d|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])([a-z]|\\d|-|\\.|_|~|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])*([a-z]|\\d|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])))\\.)+(([a-z]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])|(([a-z]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])([a-z]|\\d|-|\\.|_|~|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])*([a-z]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])))$\/i)) { this.emptyInput(this.emailTarget); this.tooltipTarget.classList.add('hidden'); } else if (emailDomain in this.typos) { this.badInput(this.emailTarget); if (this.typos[emailDomain] !== '') { this.tooltipTarget.classList.remove('hidden'); this.tipTarget.innerHTML = `Meinten Sie ${this.typos[emailDomain]}? Zum Beheben tippen`; } } else { this.goodInput(this.emailTarget); this.tooltipTarget.classList.add('hidden'); } } fixEmail() { let split = this.emailTarget.value.toLowerCase().split(\"@\"); let emailDomain = split[split.length - 1]; this.emailTarget.value = this.emailTarget.value.replace(emailDomain, this.typos[emailDomain]); this.checkEmail(); this.enable(); } checkName() { if (this.nameTarget.value === '') { this.emptyInput(this.nameTarget); } else { this.goodInput(this.nameTarget); } } checkPhone() { if (this.phoneTarget.value != \"\") { this.phoneTarget.value = phoneNumberMask(this.phoneTarget.value, this.phoneMaskOption); } } autocomplete() { if (!this.autocompleted && this.emailTarget.value.endsWith('@g')) { this.emailTarget.value += 'mail.com'; this.autocompleted = true; } } isValid() { if (document.getElementById('doubleoptin') !== null) { return document.getElementById('optin').checked && document.getElementById('doubleoptin').checked; } if (this.mode === 'phone' && this.showhighlightValue) { return ( this.getPhoneNumberAreaCod().length > 5 && this.nameTarget.value !== '' && this.checkboxTarget.checked ); } if (this.mode === 'phone' && this.phoneTarget.value === '') { return true; } if (this.mode === 'email' && this.emailTarget.value === '' && !this.showhighlightValue) { return true; } if (this.mode === 'phone') { return ( this.getPhoneNumberAreaCod().length > 5 && this.nameTarget.value !== '' && this.checkboxTarget.checked ); } if (this.mode === 'push') { return true; } let split = this.emailTarget.value.toLowerCase().split(\"@\"); let emailDomain = split[split.length - 1]; if (this.mode === 'email' && this.emailTarget.value !== '' && !this.showhighlightValue) { if (!this.match(this.emailTarget.value, \/^((([a-z]|\\d|[!#\\$%&'\\*\\+\\-\\\/=\\?\\^_`{\\|}~]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])+(\\.([a-z]|\\d|[!#\\$%&'\\*\\+\\-\\\/=\\?\\^_`{\\|}~]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])+)*)|((\\x22)((((\\x20|\\x09)*(\\x0d\\x0a))?(\\x20|\\x09)+)?(([\\x01-\\x08\\x0b\\x0c\\x0e-\\x1f\\x7f]|\\x21|[\\x23-\\x5b]|[\\x5d-\\x7e]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])|(\\\\([\\x01-\\x09\\x0b\\x0c\\x0d-\\x7f]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF]))))*(((\\x20|\\x09)*(\\x0d\\x0a))?(\\x20|\\x09)+)?(\\x22)))@((([a-z]|\\d|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])|(([a-z]|\\d|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])([a-z]|\\d|-|\\.|_|~|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])*([a-z]|\\d|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])))\\.)+(([a-z]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])|(([a-z]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])([a-z]|\\d|-|\\.|_|~|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])*([a-z]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])))$\/i) || emailDomain in this.typos) { return true; } } return ( this.emailTarget.value !== '' && this.nameTarget.value !== '' && this.checkboxTarget.checked && this.match( this.emailTarget.value, \/^((([a-z]|\\d|[!#\\$%&'\\*\\+\\-\\\/=\\?\\^_`{\\|}~]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])+(\\.([a-z]|\\d|[!#\\$%&'\\*\\+\\-\\\/=\\?\\^_`{\\|}~]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])+)*)|((\\x22)((((\\x20|\\x09)*(\\x0d\\x0a))?(\\x20|\\x09)+)?(([\\x01-\\x08\\x0b\\x0c\\x0e-\\x1f\\x7f]|\\x21|[\\x23-\\x5b]|[\\x5d-\\x7e]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])|(\\\\([\\x01-\\x09\\x0b\\x0c\\x0d-\\x7f]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF]))))*(((\\x20|\\x09)*(\\x0d\\x0a))?(\\x20|\\x09)+)?(\\x22)))@((([a-z]|\\d|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])|(([a-z]|\\d|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])([a-z]|\\d|-|\\.|_|~|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])*([a-z]|\\d|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])))\\.)+(([a-z]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])|(([a-z]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])([a-z]|\\d|-|\\.|_|~|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])*([a-z]|[\\u00A0-\\uD7FF\\uF900-\\uFDCF\\uFDF0-\\uFFEF])))$\/i ) && !(emailDomain in this.typos) ); } enable() { this.submitTarget.disabled = !this.isValid(); } identify() { if (typeof window.rudderanalytics === 'object') { window.rudderanalytics.identify( this.emailTarget.value.toLowerCase(), { email: this.emailTarget.value.toLowerCase(), name: this.nameTarget.value, ip: this.cf?.analyticsIp || '', host: this.hostname, quiz: this.quiz, country: this.country, answers: this.tags, utm_source: this.searchParams.get('utm_source') || localStorage.getItem('analytics_utm_source'), utm_medium: this.searchParams.get('utm_medium') || localStorage.getItem('analytics_utm_medium'), utm_campaign: this.searchParams.get('utm_campaign') || localStorage.getItem('analytics_utm_campaign'), utm_content: this.searchParams.get('utm_content') || localStorage.getItem('analytics_utm_content'), utm_term: this.searchParams.get('utm_term') || localStorage.getItem('analytics_utm_term'), fbclid: this.searchParams.get('fbclid') || localStorage.getItem('avFbclid'), gclid: this.searchParams.get('gclid') || localStorage.getItem('avGclid'), fb_pixel: '', aw_pixel: '', ems_account: this.emsAccount, domain: window.location.host, ems_list: String(this.emsList), phone: this.getPhoneNumberAreaCod(), cf_city: this.cf?.analyticsCity || '', cf_country: this.cf?.analyticsCountry || '', cf_region: this.cf?.analyticsRegion || '', cf_regionCode: this.cf?.analyticsCode || '' } ); if (window.complianceFlags && window.complianceFlags['necessary']) { fetch('https:\/\/id.adtechpanda.com\/new', { method: 'POST', body: JSON.stringify({ email: this.emailTarget.value.toLowerCase() }), headers: {'accept': 'application\/json'}, mode: 'no-cors' } ).then(response => { }).catch(error => { }); } } } trackFacebookPixel() { if (typeof window.av?.findTag !== 'undefined') { if (window.av.findTag('fb', '', 'formConversion') !== undefined) { window.av.triggerTags('formConversion', { email: this.emailTarget.value.toLowerCase(), firstName: this.nameTarget.value.split(' ')[0], lastName: this.nameTarget.value.split(' ').slice(1).join(' '), phoneNumber: this.getPhoneNumberAreaCod().replace('+', '') }, ['fb']); return; }; } if (typeof window.fbq === 'function') { window.fbq('track', 'Lead', {tags: this.tags}); }; } track() {  if (document.cookie.includes(\"quizLeadEvent=true\")) { return true; } this.setCookie(\"quizLeadEvent\", \"true\", 1\/192); this.trackFacebookPixel(); if (typeof window.gtag === 'function') { window.gtag('set', 'user_data', { \"email\": this.emailTarget.value.toLowerCase(), \"phone_number\": this.getPhoneNumberAreaCod() }); window.gtag('event', 'conversion', {'send_to': ``}); }; if (typeof window.ttq === 'object') { window.ttq.track('SubmitForm'); }; if (typeof window._tfa === 'object') { window._tfa.push({notify: 'event', name: 'lead', id: Number(\"\")}); }; if (typeof window.ctrk === 'function') { window.ctrk('record', 'Lead', { dnt: false }); };   } chooseLandingPage() { for (let condition of this.conditions) { if (condition['answers'].every( answer => this.replaceAll(this.replaceAll(this.tags, '\u2013', '-'), ' ', '').includes(this.replaceAll(this.replaceAll(answer, '\u2013', '-'), ' ', '')) )) { this.landingPage = condition['link']; this.landingUrl = new URL(this.landingPage); this.landingPathname = this.landingUrl.pathname.split('\/').filter(elem => elem).join('-'); break; }; }; if (typeof this.landingPage === 'undefined' && document.location.pathname[0] === '\/' && document.location.pathname[3] !== '\/') { this.landingPage = this.conditions[0]['link']; this.landingUrl = new URL(this.landingPage); this.landingPathname = this.landingUrl.pathname.split('\/').filter(elem => elem).join('-'); } if (typeof this.landingPage === 'undefined' && document.location.pathname[0] === '\/' && document.location.pathname[3] === '\/') { this.landingPage = !this.conditions[0]['link'].includes(document.location.pathname.substr(0,3)) && !this.conditions[0]['link'].includes('app.') ? this.conditions[0]['link'].replace(document.location.hostname, document.location.hostname + document.location.pathname.substr(0,3)) : this.conditions[0]['link']; this.landingUrl = new URL(this.landingPage); this.landingPathname = this.landingUrl.pathname.split('\/').filter(elem => elem).join('-'); } } redirect() { \/*let fbclid = this.searchParams.get('fbclid') ? '?fbclid=' + this.searchParams.get('fbclid') : ''; let gclid = this.searchParams.get('gclid') ? '?gclid=' + this.searchParams.get('gclid') : '';*\/ let url = `${this.landingPage}`; if (!this.landingUrl.search) { url += window.location.search; } this.formIgnored() ? this.setViewAnyForm(false) : ''; if (this.triggerInterstitial) { this.triggerTarget.href = url.replace(\"\/quiz.\", \"\/\"); this.triggerTarget.click(); setTimeout(() => { this.unloaderTargets.forEach((element, index) => { element.classList.remove(\"hidden\"); }); this.loaderTargets.forEach((element, index) => { element.classList.add(\"hidden\"); }); }, 1000); } else {  window.location.href = url;   } } skip() { if ((false) &&(window.km2RewardedExists) && (window.km2RewardedReady) && (!window.km2RewardedGranted)) { window.km2MakeRewardedVisible( function() { if (!this.showFormFirst) { this.bodyTarget.classList.add('hidden'); this.footerTarget.classList.add('hidden'); } }.bind(this), function() { this.skip(); }.bind(this) ); this.skipperTarget.disabled = true; this.skipperTarget.innerText = \"\"; this.triggerInterstitial = false; } else if (!this.showFormFirst) { this.chooseLandingPage(); this.identify(); this.track(); this.redirect(); } else { this.next(); } } submit(event) { this.unloaderTargets.forEach((element, index) => { element.classList.add(\"hidden\"); }); this.loaderTargets.forEach((element, index) => { element.classList.remove(\"hidden\"); }); this.chooseLandingPage(); if (this.skipForm) { this.identify(); this.track(); this.redirect(); } else { this.sendForm(true); } } submitEmailForm(event) { this.sendForm(); } sendForm(redirect=false) { this.identify(); let formData = new FormData(); formData.set('email', this.emailTarget.value.toLowerCase()); formData.set('name', this.nameTarget.value); formData.set('phone', this.getPhoneNumberAreaCod()); formData.set('tags', this.tags); formData.set(`p[${this.emsList}]`, this.emsList); fetch(`https:\/\/webhooks.adtechpanda.com\/quiz\/${this.emsAccount}`, { method: 'POST', body: formData, headers: {}, mode: 'no-cors', } ).then(response => { this.track(); this.emailTarget.value.length > 5 ? this.setViewEmailForm(false) : ''; this.getPhoneNumberAreaCod().length > 5 ? this.setViewPhoneForm(false) : ''; if (redirect) { this.redirect(); } else { !this.showFormFirst ? this.successMessage() : ''; } }).catch(error => { if (redirect) { this.redirect(); } else { !this.showFormFirst ? this.successMessage() : ''; } }); } successMessage() { this.formDataTarget.classList.add(\"hidden\"); this.formMessageTarget.classList.remove(\"hidden\"); let event = new CustomEvent(\"sendPulseTriggerPrompt\"); window.dispatchEvent(event); this.setFormViews(0); } getAnalyticsData() { this.cf = JSON.parse(sessionStorage.getItem(\"wildcardData\")); if (sessionStorage.getItem(\"wildcardCountry\") === null) { fetch('https:\/\/tracker.adtechpanda.com\/', { method: 'GET', headers: {'accept': 'application\/json'} }).then(response => response.json()).then(data => { const wildcardData = { analyticsIp: data.ip, analyticsCity: data.city, analyticsRegion: data.region, analyticsCode: data.regionCode, analyticsCountry: data.country }; sessionStorage.setItem(\"wildcardData\", JSON.stringify(wildcardData)); sessionStorage.setItem(\"wildcardCountry\", data.country); sessionStorage.setItem(\"wildcardRegion\", data.regionCode); sessionStorage.setItem(\"wildcardCity\", data.city); sessionStorage.setItem(\"wildcardState\", data.region); this.cf = wildcardData; }); } } getPhoneNumberAreaCod() { return '+'+(''+(this.phoneMaskOption.areaCod+this.phoneTarget.value)).replace(\/\\D\/g, ''); } observerScrollEmailForm() { const observer = new IntersectionObserver(entries => { entries.forEach(entry => { if (entry.isIntersecting) { this.formViews === -1 ? this.addAnimate() : ''; this.setFormViews(this.formViews + 1); } else { this.removeAnimate(); } }); }); observer.observe(this.submitTarget); } addAnimate() { if (!this.showedHighlight) { this.inProcessAnimate = true; this.formBoxBackGroundTarget.style.animation = \"none\"; this.formBoxBackGroundTarget.classList.remove('animate-fast-fade-out'); this.formBoxBackGroundTarget.classList.add('animate-fade-in'); this.formBoxTarget.classList.add('relative'); this.formBoxTarget.classList.add('animate-show-highlight'); setTimeout(() => { this.formBoxBackGroundTarget.style.animation = \"\"; this.formBoxBackGroundTarget.classList.remove('hidden'); this.showedHighlight = true; setTimeout(() => this.removeAnimate(), 5000); }, 10); } } removeAnimate() { if (this.inProcessAnimate) { this.formBoxBackGroundTarget.style.animation = \"none\"; this.formBoxBackGroundTarget.classList.remove('animate-fade-in'); this.formBoxBackGroundTarget.classList.add('animate-fade-out-quickly'); this.formBoxTarget.style.animation = \"none\"; this.formBoxTarget.classList.add('animate-hide-highlight'); this.formBoxTarget.classList.remove('animate-show-highlight'); this.formBoxTarget.classList.remove('relative'); setTimeout(() => { this.formBoxBackGroundTarget.style.animation = \"\"; this.formBoxTarget.style.animation = \"\"; setTimeout(() => { this.formBoxBackGroundTarget.classList.add('hidden'); this.inProcessAnimate = false; }, 1000); }, 10); } } setCookie(key, value, days) { let date = new Date(); date.setTime(date.getTime() + parseInt(days * 24 * 60 * 60 * 1000)); document.cookie = key + \"=\" + value + \";expires=\" + date.toUTCString() + \";domain=.smartsightings.com;path=\/\"; } setViewEmailForm(view) { localStorage.setItem(\"viewEmailForm\", view); this.setCookie(\"viewEmailForm\", String(view), 28); } getViewEmailForm() {  if (document.cookie.includes(\"viewEmailForm=false\")) { return false; } return ((localStorage.getItem(\"viewEmailForm\") || 'true') === 'true'); } setViewPhoneForm(view) { localStorage.setItem(\"viewPhoneForm\", view); this.setCookie(\"viewPhoneForm\", String(view), 28); } getViewPhoneForm() {  if (document.cookie.includes(\"viewPhoneForm=false\")) { return false; } return ((localStorage.getItem(\"viewPhoneForm\") || 'true') === 'true'); } getViewPushForm() { \/*if (typeof navigator.permissions === \"undefined\") { return false; } let permissionStatus = await navigator.permissions.query({name:'push', userVisibleOnly:true}); return (permissionStatus.state === 'granted' || permissionStatus.state === 'denied');*\/ return false; } setViewAnyForm(view) { localStorage.setItem(\"viewAnyForm\", view); this.setCookie(\"viewAnyForm\", String(view), 14); } getViewAnyForm() { if (document.cookie.includes(\"viewAnyForm=false\")) { return false; } return ((localStorage.getItem(\"viewAnyForm\") || 'true') === 'true'); } getFormViews() { this.formViews = parseInt(sessionStorage.getItem(\"quizFormViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"quizFormViews\")) : 0; return this.formViews; } setFormViews(views) { sessionStorage.setItem(\"quizFormViews\", views); } formIgnored() { return (!this.skipForm && this.showForm && Math.max(this.emailTarget.value.length, this.getPhoneNumberAreaCod().length) < 5); } }); <\/script><div data-controller=\"quiz\" data-quiz-target=\"quiz\" data-quiz-showhighlight-value=\"true\" class=\"hidden sm:hidden   py-5 my-10 shadow-lg\">    \n  <div class=\"w-full p-2 md:p-4\" data-quiz-target=\"formBox\" style=\"z-index: 10;\">\n        <div class=\"flex flex-col rounded-lg p-4 w-full my-4 border bg-white shadow-lg\">\n      <div data-quiz-target=\"formData pane\" class=\"flex flex-col\">      \n        <h2 data-quiz-target=\"formTitle\" class=\"text-gray-900 text-base font-medium title-font mb-5 text-center\">\n                  <\/h2>\n        <div data-quiz-target=\"emailDiv\" class=\"text-left relative mb-4\">\n          <label for=\"email\" class=\"px-2 leading-7 text-sm text-gray-600 text-left\">\n            E-Mail          <\/label>\n          <div data-quiz-target=\"tooltip\" style=\"top: 0px; right: 0px;\" class=\"hidden absolute mx-2\">\n            <button data-action=\"quiz#fixEmail\" class=\"bg-black text-white text-xs rounded py-1 px-4 right-0 bottom-full\">\n                <span data-quiz-target=\"tip\"><\/span>\n              <svg class=\"absolute text-black h-2 w-full left-0 top-full\" x=\"0px\" y=\"0px\" viewbox=\"0 0 255 255\" xml:space=\"preserve\"><polygon class=\"fill-current\" points=\"0,0 127.5,127.5 255,0\"\/><\/svg>\n            <\/button>\n          <\/div>\n          <input data-quiz-target=\"email\" data-action=\"quiz#enable quiz#checkEmail\" list=\"email-options\" type=\"email\" name=\"email\" placeholder=\"beispiel@gmail.com\" class=\"w-full mt-1 bg-white rounded-lg border border-gray-300 focus:ring-2 focus:ring-gray-200 text-base outline-none text-gray-700 py-1 px-3 leading-8 transition-colors duration-200 ease-in-out\">\n          <datalist data-quiz-target=\"emailOptions\" id=\"email-options\"><\/datalist>\n        <\/div>  \n        <div data-quiz-target=\"phoneDiv\" class=\"grid grid-cols-3 gap-6 mb-4\">\n          <div class=\"col-span-3 text-left\">\n            <label for=\"phone\" class=\"px-2 leading-7 text-sm text-gray-600 text-left\">\n              Telefonnummer            <\/label>\n            <div class=\"mt-1 flex rounded shadow\">\n              \n              <input data-quiz-target=\"phone\" data-action=\"quiz#enable quiz#checkPhone\" type=\"phone\" name=\"phone\" id=\"phone\" maxlength=\"16\" class=\"rounded-none rounded-r-md w-full bg-white border border-gray-300 focus:border-gray-500 focus:ring-2 focus:ring-gray-200 text-base outline-none text-gray-700 py-1 px-3 leading-8 transition-colors duration-200 ease-in-out\">\n            <\/div>\n          <\/div>\n        <\/div>\n        <div data-quiz-target=\"nameDiv\" class=\"text-left relative mb-4\">\n          <label for=\"name\" class=\"px-2 leading-7 text-sm text-gray-600 text-left\">\n            Vorname          <\/label>\n          <input data-quiz-target=\"name\" data-action=\"quiz#enable quiz#checkName\" type=\"text\" id=\"name\" name=\"name\" class=\"w-full mt-1 bg-white rounded-lg border border-gray-300 focus:border-gray-500 focus:ring-2 focus:ring-gray-200 text-base outline-none text-gray-700 py-1 px-3 leading-8 transition-colors duration-200 ease-in-out\">\n        <\/div>\n        \n        <div data-quiz-target=\"soiDiv\" class=\"text-left relative mb-4 flex justify-start items-center\">\n          <input data-quiz-target=\"checkbox\" data-action=\"quiz#enable\" type=\"checkbox\" id=\"optin\" style=\"min-width: 25px;\" class=\"w-4 h-4 transition duration-300 rounded focus:ring-2 focus:ring-offset-0 focus:outline-none focus:ring-green-200\" \/>\n          <label data-quiz-target=\"soi\" for=\"optin\" class=\"ml-3 text-sm text-gray-600 text-left\">\n                      <\/label>\n        <\/div>\n                \n        <button aria-label=\"\" disabled data-quiz-target=\"submit\" data-action='quiz#submitEmailForm analytics#trackEmailForm' data-analytics-label=\"submitButton\" class=\"border-0 py-3 px-8 focus:outline-none rounded-lg text-lg disabled:opacity-50 block shadow-lg\">\n                  <\/button>\n      <\/div>\n      <div data-quiz-target=\"formMessage\" class=\"hidden\">\n        <div data-quiz-target=\"successMessage\" class=\"w-full  px-4 py-3 rounded relative text-center\">\n                  <\/div>\n        <p style=\"font-size: 10px;\" data-quiz-target=\"footnote\" class=\"hidden mb-4 text-xs mt-3 text-center sm:text-right\">\n          Sie werden auf eine andere Website weitergeleitet        <\/p>\n      <\/div>\n    <\/div>\n  <\/div> \n    <div data-quiz-target=\"formBoxBackGround\" class=\"dark-background hidden\" style=\"z-index: 0;\"><\/div> \n<\/div>  <\/div>\n\n<\/div>\n\n<\/div><!--landing--><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\" id=\"h-haufig-gestellte-fragen\">Fragen<\/h2>\n<\/div><div class=\"wp-block-lazyblock-accordion lazyblock-accordion-1hwgXm\"><div data-controller=\"accordion\" class=\"mx-5 sm:mx-0 rounded mt-10 mb-20\">\n\t<div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"0\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"0\">\n                        Wie sicher ist der Sparkasse Online-Kreditprozess?                    <\/span>\n                    <svg data-accordion-index=\"0\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Der Antragsprozess erfolgt \u00fcber etablierte Banksysteme mit klar geregelten Pr\u00fcfverfahren. Als Teil einer traditionsreichen Bankengruppe legt die Sparkasse besonderen Wert auf Datenschutz und sichere digitale Abl\u00e4ufe.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"1\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"1\">\n                        Erhalte ich beim Sparkasse Online-Kredit weiterhin pers\u00f6nliche Unterst\u00fctzung?                    <\/span>\n                    <svg data-accordion-index=\"1\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Trotz digitaler Antragstellung stehen bei Bedarf Beratungsangebote in den Filialen zur Verf\u00fcgung. Diese Kombination aus Online-Komfort und pers\u00f6nlicher Betreuung bietet zus\u00e4tzliche Sicherheit.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"2\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"2\">\n                        Sie interessieren sich f\u00fcr den Sparkasse Online-Kredit f\u00fcr unerwartete Ausgaben?                    <\/span>\n                    <svg data-accordion-index=\"2\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Ein Ratenkredit kann bei unerwarteten Ausgaben finanzielle Struktur schaffen. Wichtig ist, dass die monatliche Rate langfristig tragbar bleibt und das bestehende Budget passt.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"3\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"3\">\n                        Kann ich mit dem Sparkassen Online-Credit auch andere Tarife zusammenf\u00fchren?                    <\/span>\n                    <svg data-accordion-index=\"3\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Viele Kreditnehmer nutzen einen Ratenkredit zur B\u00fcndelung bestehender Verpflichtungen. Ob dies sinnvoll ist, h\u00e4ngt von den Gesamtkosten und der individuellen Finanzplanung ab.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"4\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"4\">\n                        Kann ich den Sparkasse Online-Credit nach Abschluss digital verwalten?                    <\/span>\n                    <svg data-accordion-index=\"4\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        \u00dcber digitale Zug\u00e4nge lassen sich h\u00e4ufig R\u00fcckzahlungspl\u00e4ne und Vertragsinformationen einsehen. Dies erleichtert die \u00dcbersicht und unterst\u00fctzt eine strukturierte Finanzplanung.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"5\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"5\">\n                        Ist der Sparkasse Online-Kredit f\u00fcr langfristige Planung geeignet?                    <\/span>\n                    <svg data-accordion-index=\"5\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Ein Ratenkredit kann langfristige Projekte unterst\u00fctzen, sofern er verantwortungsvoll in die pers\u00f6nliche Finanzplanung eingebunden wird. Entscheidend ist die dauerhafte Tragf\u00e4higkeit.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"6\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"6\">\n                        Beeinflusst der Sparkasse Online-Kredit meine Bonit\u00e4t?                    <\/span>\n                    <svg data-accordion-index=\"6\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Wie bei jedem Ratenkredit kann das Zahlungsverhalten erfasst werden. Eine sichere R\u00fcckzahlung unterst\u00fctzt eine stabile Bonit\u00e4tsentwicklung.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"7\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"7\">\n                        Kann ich beim Sparkasse Online-Credit verschiedene Szenarien berechnen?                    <\/span>\n                    <svg data-accordion-index=\"7\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Mit Online-Rechnern lassen sich unterschiedliche Betr\u00e4ge und Laufzeiten simulieren. Das unterst\u00fctzt eine realistische Einsch\u00e4tzung der finanziellen Belastung.                    <\/p>\n                <\/div>\n            <\/div>\n        \t<\/div>\n<\/div><\/div><div class=\"wp-block-lazyblock-credit-card lazyblock-credit-card-Zw8aYx\"><section class=\"credit-card mx-5 sm:mx-0 text-gray-600 body-font  my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n  <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n    <div class=\"w-24 h-full\"><\/div>\n  <\/div>\n  <div class=\"container px-5 sm:px-0 py-6 mx-auto\" data-anchor-target=\"lazyBlock\">\n    <div class=\"flex flex-wrap mx-auto\">\n      <a class=\"lg:w-2\/5 w-full lg:pl-6 mt-6 lg:mt-0\" href=\"https:\/\/www.sparkasse.de\/pk\/produkte\/kredit\/online-kredit.html\" data-analytics-label=\"creditCardImage\" data-action=\"analytics#trackCTA\" >\n        <img decoding=\"async\" class=\"w-full h-64 object-cover object-center rounded\" loading=\"lazy\" alt=\"card\" style=\"height: 190px;\" src=\"https:\/\/smartsightings.com\/wp-content\/uploads\/2026\/02\/Online-Kredit-der-Sparkasse-3.jpg\">\n      <\/a>\n      <div class=\"lg:w-3\/5 w-full lg:pl-6 mt-6 lg:mt-0\">\n        <h2 class=\"text-sm title-font text-gray-500 tracking-widest uppercase\">\n          Privatkredit        <\/h2>\n        <h1 class=\"text-gray-900 text-3xl title-font font-medium mb-1\">\n          Sparkasse        <\/h1>\n        <div class=\"flex mb-4 justify-center sm:justify-start\">\n          \n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              PRIVAT            <\/span>\n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              \ud83d\udcb0\ud83d\udcb0\ud83d\udcb0            <\/span>\n                    \n        <\/div>\n        <p class=\"leading-relaxed\">\n          Informieren Sie sich \u00fcber die Bedingungen, um diesen Kredit online zu beantragen.        <\/p>\n        <div class=\"flex mt-6 items-center pb-5 border-b-2 border-gray-100 mb-5\">\n          \n        <\/div>\n        <div class=\"flex\">\n          <a data-km2-rewarded=\"true\" style=\"font-size: 13px;\" class=\"hidden animate-fade-in flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/www.sparkasse.de\/pk\/produkte\/kredit\/online-kredit.html\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button class=\"uppercase flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-4 focus:outline-none rounded  disabled:opacity-50\">\n              Kreditantrag            <\/button>\n          <\/a>\n          <a data-km2-rewarded=\"false\" style=\"font-size: 15px;\" class=\"flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/www.sparkasse.de\/pk\/produkte\/kredit\/online-kredit.html\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button id=\"offer-first\" class=\"flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-6 focus:outline-none rounded  disabled:opacity-50\">\n              Kreditantrag            <\/button>\n          <\/a>\n        <\/div>\n        <p class=\"text-xs text-gray-500 mt-3 text-center sm:text-right\">\n          Sie werden auf eine andere Website weitergeleitet        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n    <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height > 100) { setTimeout(() => this.visible(), 1000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height > 10) { this.getAnchorElement().style.marginBottom = '60px'; } if (document.querySelector('[data-anchor-shown=\"true\"]') && document.querySelector('[data-anchor-shown=\"true\"]').style.bottom === '0px') { setTimeout(() => this.visible(), 1000); return; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); waitFor(_ => (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none' && document.getElementById('av-fixed__bottomWrapper').getBoundingClientRect().height > 10 && this.getAnchorElement().style.marginBottom !== '60px')) .then(_ => { this.closeAnchor(); }); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { if (this.closed) return; this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button data-no-translation class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/www.sparkasse.de\/pk\/produkte\/kredit\/online-kredit.html\" rel=\"sponsored\" data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img decoding=\"async\" loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/smartsightings.com\/wp-content\/uploads\/2026\/02\/Online-Kredit-der-Sparkasse-3.jpg\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Informieren Sie sich \u00fcber die Bedingungen, um diesen Kredit...              <\/p>\n              <a href=\"https:\/\/www.sparkasse.de\/pk\/produkte\/kredit\/online-kredit.html\" rel=\"sponsored\" data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Kreditantrag                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Sie werden auf eine andere Website weitergeleitet              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n<\/section><\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h1 class=\"wp-block-heading\">Wie analysiert und w\u00e4hlt man einen Online-Credit richtig aus?<\/h1>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Ein Online-Credit kann finanzielle Spielr\u00e4ume schaffen \u2013 vorausgesetzt, man trifft eine fundierte Entscheidung. Wer heute einen Kredit online beantragen m\u00f6chte, findet zahlreiche Angebote mit unterschiedlichen Zinss\u00e4tzen, Laufzeiten und Voraussetzungen. Genau deshalb ist ein strukturierter Vergleich entscheidend.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Im Folgenden erf\u00e4hrst du, worauf du achten solltest und wie du Schritt f\u00fcr Schritt das passende Angebot findest.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">1. Eigene finanzielle Situation realistisch einsch\u00e4tzen<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Bevor Sie konkrete Angebote vergleichen oder einen Kredit beantragen m\u00f6chten, ist eine ehrliche Analyse Ihrer finanziellen Situation unverzichtbar. Nur wer seine Ausgaben, Ausgaben und bestehenden Verpflichtungen genau kennt, kann langfristig tragbare Entscheidungen treffen und unn\u00f6tige finanzielle Risiken vermeiden.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Dazu geh\u00f6ren insbesondere folgende Punkte:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Monatliches Nettoeinkommen<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Fixe Ausgaben wie Miete, Versicherungen und Abonnements<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Variable Kosten f\u00fcr die Lebenshaltung<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Bestehende Kredite oder Ratenzahlungen<\/li>\n<\/div><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Gerade bei besonderen Lebenssituationen \u2013 etwa bei einem unabh\u00e4ngigen Kredit oder einem Kredit in der Zukunft \u2013 pr\u00fcfen Banken die Einkommensstabilit\u00e4t besonders sorgf\u00e4ltig. Eine realistische Selbsteinsch\u00e4tzung erh\u00f6ht daher die Chancen auf entsprechende Konditionen.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">2. Angebote strukturiert vergleichen<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Der Markt f\u00fcr Online-Kredit ist gro\u00df und auf den ersten Blick oft un\u00fcbersichtlich. Viele Anbieter werben mit Aussagen wie Kredit einfach und schnell oder Kredit schnell und einfach. Bitte beachten Sie schlie\u00dflich, dass es mehrere unterschiedliche Konditionen gibt.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>In der Reihe kredit vergleichsportal hilft dabei, weitere Angebote transparent gegen\u00fcberzustellen. Achten Sie beim Vergleich insbesondere auf:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Effektiven Jahreszins<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Sollzinsbindung<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Laufzeit<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>M\u00f6glichkeit zu Sondertilgungen<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Flexibilit\u00e4t bei Ratenpausen<\/li>\n<\/div><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Wer einen g\u00fcnstigen Kredit online sucht, sollte nicht nur auf den g\u00fcnstigsten Zinssatz achten, sondern das Gesamtpaket bewerten. Entscheidend sind die Gesamtkosten \u00fcber die gesamte Laufzeit.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">3. Wichtige Faktoren im \u00dcberblick<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Ein fundierter Kreditvergleich basiert auf klaren Faktoren. Statt sich von einzelnen Werbeaussagen leiten zu lassen, empfiehlt es sich, die wichtigsten Faktoren systematisch zu analysieren. So entsteht eine objektive Entscheidungsgrundlage.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Die folgende Tabelle zeigt zentrale Vergleichspunkte:<\/p>\n<\/div><div class=\"prose text-left mb-5 w-[17rem] sm:w-full flex overflow-auto m-auto\">\n<figure class=\"wp-block-table\"><table><thead><tr><th>Kriterium<\/th><th>Warum es wichtig ist<\/th><th>Worauf achten?<\/th><\/tr><\/thead><tbody><tr><td>Effektiver Jahreszins<\/td><td>Zeigt die tats\u00e4chlichen Gesamtkosten<\/td><td>Niedriger Wert bei gleicher Laufzeit<\/td><\/tr><tr><td>Laufzeit<\/td><td>Beeinflusst Rate und Gesamtkosten<\/td><td>Balance zwischen Rate und Zinskosten<\/td><\/tr><tr><td>Kreditbetrag<\/td><td>Passend zum tats\u00e4chlichen Bedarf<\/td><td>Nicht h\u00f6her als notwendig<\/td><\/tr><tr><td>Spezialisierung<\/td><td>erh\u00f6hte Flexibilit\u00e4t<\/td><td>Kostenfrei m\u00f6glich?<\/td><\/tr><tr><td>Bonit\u00e4tspr\u00fcfung<\/td><td>Beeinflusst Zinsangebot<\/td><td>Transparente Angaben<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">4. Spezielle Kreditformen verstehen<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Keines der Kreditangebote ist f\u00fcr jede Lebenssituation geeignet. Je nach beruflicher oder famili\u00e4rer Situation unterscheiden sich Anforderungen und Konditionen deutlich. Deshalb lohnt es sich, die Besonderheiten einzelner Kreditarten genauer zu betrachten.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Typische Sonderformen sind:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Unabh\u00e4ngige Kreditw\u00fcrdigkeit: Meist sind mehrere Jahre Einkommensnachweise erforderlich.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Kreditgewerbe: H\u00e4ufig andere Bedingungen als bei privaten Ratenkrediten.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Kreditantrag ohne Schufa: Solche Angebote sind selten seri\u00f6s und oft mit Kosten verbunden.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Kredit in der Elternzeit: Banken pr\u00fcfen hier besonders die zuk\u00fcnftige Einkomsensentwicklung.<\/li>\n<\/div><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Vorsicht bei Versprechen wie sofort Kredit erhalten ohne Pr\u00fcfung. Seri\u00f6se Anbieter f\u00fchren immer eine Bonit\u00e4tspr\u00fcfung durch, drink man einen Kredit beantragen kann.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">5. Der Online-Antrag \u2013 Schritt f\u00fcr Schritt<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Wer sich f\u00fcr ein konkretes Angebot entschieden hat, kann heute meist vollst\u00e4ndig digital einen Kredit online beantragen. Der Prozess ist bei vielen Banken standardisiert und l\u00e4sst sich bequem von zu Hause aus durchf\u00fchren.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Typischer Ablauf eines Online-Antrags:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ol><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Kreditbetrag und Laufzeit w\u00e4hlen<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Pers\u00f6nliche Daten eingeben<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Bonit\u00e4tspr\u00fcfung durchf\u00fchren lassen<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Identit\u00e4tspr\u00fcfung (VideoIdent oder PostIdent)<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Vertragsunterzeichnung digital abschlie\u00dfen<\/li>\n<\/div><\/ol>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Ein transparenter Prozess schafft Sicherheit. Alle Vertrags- und Vertragsdetails sollten klar dargelegt werden, bevor man endg\u00fcltig einen Kreditantrag abschlie\u00dft.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 class=\"wp-block-heading\">Fazit: Informiert entscheiden<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Ein Online-Kredit bietet Flexibilit\u00e4t und Komfort, wobei eine durchdachte Analyse entscheidend bleibt. Wer Angebote sorgf\u00e4ltig vergleicht, die eigene finanzielle Situation realistisch einsch\u00e4tzt und transparente Konditionen bevorzugt, kann langfristig von einer stabilen Finanzierung profitieren.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Strukturierte Informationen und bewusste Entscheidungen sind die Grundlage, um veriantwortungsvoll einen Kredit zu w\u00e4hlen und finanzielle Ziele sicher zu erreichen.<\/p>\n<\/div><!--loader--><div class=\"wp-block-lazyblock-loader lazyblock-loader-ZeVP1\"><script>\n    Math.min(window.screen.width, window.screen.height) < 768 ? document.getElementById(\"page\").classList.add(\"fixed\") : '';\n<\/script>\n<div id=\"loader\" class=\"flex h-screen fixed bg-white inset-0\" style=\"z-index: 99999;\" >\n    <div class=\"m-auto flex flex-col\">\n        <div class=\"flex\">\n            <svg style=\"color: \" class=\"m-auto animate-spin h-28 w-28\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewbox=\"0 0 24 24\">\n                <circle class=\"opacity-25\" cx=\"12\" cy=\"12\" r=\"10\" stroke=\"currentColor\" stroke-width=\"4\"><\/circle>\n                <path class=\"opacity-75\" fill=\"currentColor\" d=\"M4 12a8 8 0 018-8V0C5.373 0 0 5.373 0 12h4zm2 5.291A7.962 7.962 0 014 12H0c0 3.042 1.135 5.824 3 7.938l3-2.647z\"><\/path>\n            <\/svg>\n        <\/div>\n                    <div class=\"px-2 my-4 text-center animate-pulse text-xl\">\n                Inhalt wird f\u00fcr dich Eiscreme...            <\/div>\n                    <\/div>\n<\/div>\n<script>\n    function waitFor(conditionFunction) {\n        const poll = resolve => {\n            if(conditionFunction()) resolve();\n            else setTimeout(_ => poll(resolve), 400);\n        };\n        return new Promise(poll);\n    }\n\n    window.loaderHandler = setTimeout(() => {\n        waitFor(_ => ((document.querySelector('[data-google-query-id]') !== null) || (typeof avCustomConfig === 'object' && avCustomConfig.skipAds === true)))\n            .then(_ => {\n                if ((window.location.pathname.includes('\/iow')) && ((document.referrer ?? '').includes('smartsightings.com'.replace('cb.', ''))) && (!document.cookie.includes('avOfferWallRewarded'))) return;\n\n                if (document.getElementById('loader')) {\n                    document.getElementById('loader').addEventListener('animationend', () => {\n                        document.getElementById(\"page\").classList.remove(\"fixed\");\n                        document.getElementById(\"loader\").remove();\n                    });\n                    document.getElementById('loader').classList.add('animate-fade-out-quickly');\n                }\n            });\n    }, 2500);\n\n    window.loaderHandler = setTimeout(() => {\n        waitFor(_ => ((typeof av === 'object' && av.requested === true) || (typeof av === 'object' && av.showLimitedAds() === true && window.googletag && googletag.pubadsReady)))\n            .then(_ => {\n                if ((window.location.pathname.includes('\/iow')) && ((document.referrer ?? '').includes('smartsightings.com'.replace('cb.', ''))) && (!document.cookie.includes('avOfferWallRewarded'))) return;\n                \n                if (document.getElementById('loader')) {\n                    document.getElementById('loader').addEventListener('animationend', () => {\n                        document.getElementById(\"page\").classList.remove(\"fixed\");\n                        document.getElementById(\"loader\").remove();\n                    });\n                    document.getElementById('loader').classList.add('animate-fade-out-quickly');\n                }\n            });\n    }, 3500);\n\n    window.loaderHandler = setTimeout(() => {\n        waitFor(_ => (typeof av === 'object' && av.timeline?.includes('rewarded->visible')))\n            .then(_ => {                        \n                if (document.getElementById('loader')) {\n                    document.getElementById('loader').addEventListener('animationend', () => {\n                        document.getElementById(\"page\").classList.remove(\"fixed\");\n                        document.getElementById(\"loader\").remove();\n                    });\n                    document.getElementById('loader').classList.add('animate-fade-out-quickly');\n                }\n            });\n    }, 5000);\n\n    setTimeout(() => {\n        if (document.getElementById('loader')) {\n            document.getElementById('loader').addEventListener('animationend', () => {\n                document.getElementById(\"page\").classList.remove(\"fixed\");\n                document.getElementById(\"loader\").remove();\n            });\n            document.getElementById('loader').classList.add('animate-fade-out-quickly');\n        }\n    }, ((window.location.pathname.includes('\/iow')) && ((document.referrer ?? '').includes('smartsightings.com'.replace('cb.', ''))) && (!document.cookie.includes('avOfferWallRewarded'))) ? 20000 : 10000);\n<\/script>\n<\/div><!--loader-->","protected":false},"excerpt":{"rendered":"<p>H\u00e4ufig gestellte Fragen Wie analysiert und w\u00e4hlt man einen Online-Credit richtig aus? Ein Online-Credit kann finanzielle Spielr\u00e4ume schaffen \u2013 vorausgesetzt, man trifft eine fundierte Entscheidung. Wer heute einen Kredit online beantragen m\u00f6chte, findet zahlreiche Angebote mit unterschiedlichen Zinss\u00e4tzen, Laufzeiten und Voraussetzungen. Genau deshalb ist ein strukturierter Vergleich entscheidend. Im Folgenden erf\u00e4hrst du, worauf du achtest\u2026 <a class=\"more-link\" href=\"https:\/\/smartsightings.com\/de\/rec-ln-sparkasse-de\/\">Weiterlesen <span class=\"screen-reader-text\">SST rec | ln | Sparkasse<\/span><\/a><\/p>","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,254],"tags":[263,247,262],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SST rec | ln | Sparkasse - Smart Sightings<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/smartsightings.com\/de\/rec-ln-sparkasse-de\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SST rec | ln | Sparkasse\" \/>\n<meta property=\"og:description\" content=\"H\u00e4ufig gestellte Fragen Wie analysiert und w\u00e4hlt man einen Online-Kredit richtig aus? Ein Online-Kredit kann finanzielle Spielr\u00e4ume schaffen \u2013 vorausgesetzt, man trifft eine fundierte Entscheidung. Wer heute einen Kredit online beantragen m\u00f6chte, findet zahlreiche Angebote mit unterschiedlichen Zinss\u00e4tzen, Laufzeiten und Voraussetzungen. Genau deshalb ist ein strukturierter Vergleich entscheidend. Im Folgenden erf\u00e4hrst du, worauf du achten&hellip; Continue reading SST rec | ln | Sparkasse\" \/>\n<meta property=\"og:url\" content=\"https:\/\/smartsightings.com\/de\/rec-ln-sparkasse-de\/\" \/>\n<meta property=\"og:site_name\" content=\"Smart Sightings\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-12T21:11:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-12T21:11:56+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Julia Bermudez\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 Minuten\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/smartsightings.com\/#website\",\"url\":\"https:\/\/smartsightings.com\/\",\"name\":\"Smart Sightings\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/smartsightings.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"de-DE\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/smartsightings.com\/rec-ln-sparkasse-de\/#webpage\",\"url\":\"https:\/\/smartsightings.com\/rec-ln-sparkasse-de\/\",\"name\":\"SST rec | ln | Sparkasse - Smart Sightings\",\"isPartOf\":{\"@id\":\"https:\/\/smartsightings.com\/#website\"},\"datePublished\":\"2026-02-12T21:11:53+00:00\",\"dateModified\":\"2026-02-12T21:11:56+00:00\",\"author\":{\"@id\":\"https:\/\/smartsightings.com\/#\/schema\/person\/05633a8e26188f8aa68f0e687044ca44\"},\"breadcrumb\":{\"@id\":\"https:\/\/smartsightings.com\/rec-ln-sparkasse-de\/#breadcrumb\"},\"inLanguage\":\"de-DE\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/smartsightings.com\/rec-ln-sparkasse-de\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/smartsightings.com\/rec-ln-sparkasse-de\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/smartsightings.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"SST rec | ln | Sparkasse\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/smartsightings.com\/#\/schema\/person\/05633a8e26188f8aa68f0e687044ca44\",\"name\":\"Julia Bermudez\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"de-DE\",\"@id\":\"https:\/\/smartsightings.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/730b4565e517c1fbb8f4311793aaad25?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/730b4565e517c1fbb8f4311793aaad25?s=96&d=mm&r=g\",\"caption\":\"Julia Bermudez\"},\"url\":\"https:\/\/smartsightings.com\/de\/author\/juliakbermudezgmail-com\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"SST rec | ln | Sparkasse - Smart Sightings","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/smartsightings.com\/de\/rec-ln-sparkasse-de\/","og_locale":"de_DE","og_type":"article","og_title":"SST rec | ln | Sparkasse","og_description":"H\u00e4ufig gestellte Fragen Wie analysiert und w\u00e4hlt man einen Online-Kredit richtig aus? Ein Online-Kredit kann finanzielle Spielr\u00e4ume schaffen \u2013 vorausgesetzt, man trifft eine fundierte Entscheidung. Wer heute einen Kredit online beantragen m\u00f6chte, findet zahlreiche Angebote mit unterschiedlichen Zinss\u00e4tzen, Laufzeiten und Voraussetzungen. Genau deshalb ist ein strukturierter Vergleich entscheidend. Im Folgenden erf\u00e4hrst du, worauf du achten&hellip; Continue reading SST rec | ln | Sparkasse","og_url":"https:\/\/smartsightings.com\/de\/rec-ln-sparkasse-de\/","og_site_name":"Smart Sightings","article_published_time":"2026-02-12T21:11:53+00:00","article_modified_time":"2026-02-12T21:11:56+00:00","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Julia Bermudez","Est. reading time":"3 Minuten"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebSite","@id":"https:\/\/smartsightings.com\/#website","url":"https:\/\/smartsightings.com\/","name":"Smart Sightings","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/smartsightings.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"de-DE"},{"@type":"WebPage","@id":"https:\/\/smartsightings.com\/rec-ln-sparkasse-de\/#webpage","url":"https:\/\/smartsightings.com\/rec-ln-sparkasse-de\/","name":"SST rec | ln | Sparkasse - Smart Sightings","isPartOf":{"@id":"https:\/\/smartsightings.com\/#website"},"datePublished":"2026-02-12T21:11:53+00:00","dateModified":"2026-02-12T21:11:56+00:00","author":{"@id":"https:\/\/smartsightings.com\/#\/schema\/person\/05633a8e26188f8aa68f0e687044ca44"},"breadcrumb":{"@id":"https:\/\/smartsightings.com\/rec-ln-sparkasse-de\/#breadcrumb"},"inLanguage":"de-DE","potentialAction":[{"@type":"ReadAction","target":["https:\/\/smartsightings.com\/rec-ln-sparkasse-de\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/smartsightings.com\/rec-ln-sparkasse-de\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/smartsightings.com\/"},{"@type":"ListItem","position":2,"name":"SST rec | ln | Sparkasse"}]},{"@type":"Person","@id":"https:\/\/smartsightings.com\/#\/schema\/person\/05633a8e26188f8aa68f0e687044ca44","name":"Julia Bermudez","image":{"@type":"ImageObject","inLanguage":"de-DE","@id":"https:\/\/smartsightings.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/730b4565e517c1fbb8f4311793aaad25?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/730b4565e517c1fbb8f4311793aaad25?s=96&d=mm&r=g","caption":"Julia Bermudez"},"url":"https:\/\/smartsightings.com\/de\/author\/juliakbermudezgmail-com\/"}]}},"_links":{"self":[{"href":"https:\/\/smartsightings.com\/de\/wp-json\/wp\/v2\/posts\/4347"}],"collection":[{"href":"https:\/\/smartsightings.com\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartsightings.com\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartsightings.com\/de\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/smartsightings.com\/de\/wp-json\/wp\/v2\/comments?post=4347"}],"version-history":[{"count":0,"href":"https:\/\/smartsightings.com\/de\/wp-json\/wp\/v2\/posts\/4347\/revisions"}],"wp:attachment":[{"href":"https:\/\/smartsightings.com\/de\/wp-json\/wp\/v2\/media?parent=4347"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartsightings.com\/de\/wp-json\/wp\/v2\/categories?post=4347"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartsightings.com\/de\/wp-json\/wp\/v2\/tags?post=4347"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}