Banks are offering a personal loan to purchase certain items. As said before with the overdraft loan, the same can be said for the personal loan or credit. The bank does charge a high interest rate. The duration of the contract depends also on the amount of the credit, as well as the amount of the monthly rate.
Enquire for terms and conditions at several banks in order to get sensible offer and make sure that you can stem the monthly payment.
If you are not able to pay for the credit any more, look for an appointment at the debtors advisory service (Schuldnerberatungsstelle). You can find additional information about credit counselling at the website of the county of Schleswig-Flensburg.