Updated October 17, 2026 · BorrowCue Editorial Team
5in5 vs Baufi24
Where 5in5 and Baufi24 differ
| Compare |  5in5 |  Baufi24 |
|---|---|---|
| Arrangement fee | One-off fee deducted from payout | 0 EUR |
| Credit check | Hard | Soft prequal |
| Funding time | Same day up to 1 business day | Financing confirmations preferably within 24 hours |
| Lender type | Direct lender | Broker |
| APR | Not confirmed | 4% to 4.5% |
| Loan amount | Not confirmed | €1,000 to €100,000 |
| Term | Not confirmed | 12 to 180 months |
| Representative example | Not confirmed | Property loan example: net loan amount 300,000 EUR, 2% repayment, 90% loan-to-value, Sollzins 4.38% with 10-year fixed Zinsbindung |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Yes | Not confirmed |
| Loan types | Not confirmed | Secured, Personal, Car, Debt consolidation |
| Use cases | Not confirmed | Home improvement |
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Our verdict on each
5in5
5in5 focuses only on entrepreneurs instead of serving the wider borrowing market. It offers small entrepreneurial credit and direct supplier invoice handling for starting and experienced self employed people who prefer a fully online and clear orderly arrangement in a secure environment.
Baufi24
Baufi24 is a German broker for property and consumer loans, suited to borrowers who want a fixed rate held for a decade with no arrangement fee. The 4.38% initial rate sits near the site median of 4.49%, and lending runs to 90% loan to value.
Score breakdown
| Area | 5in5 | Baufi24 |
|---|---|---|
| Cost | 9.2Higher | 9.1Product fee is €0 and origination fee is 0 EUR, with a rate band of 4% to 4.5%. |
| Offer | 9.2 | 9.2Offer runs a 10 fix, 90% loan to value and credit checking by soft prequal. |
| Trust | 9.3Higher | 8.4 |
How they place
| Ranking | 5in5 | Baufi24 |
|---|---|---|
| Personal loans | 21 of 1920 | 877 of 1920 |
Licences and countries
| Country | 5in5 | Baufi24 |
|---|---|---|
| Germany | Not confirmed | Handelskammer (IHK) Hamburg D-W-131-Q6N6-69 |
Where these facts come from
5in5
- 5in5.nl: 6 facts, checked September 29, 2026
Baufi24
- baufi24.de: 16 facts, checked September 26, 2026
Every fact side by side
| Fact | 5in5 | Baufi24 |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Legal entity | Not confirmed | Bilthouse Service GmbH |
| Headquarters | Not confirmed | Germany |
| Founded | Not confirmed | 2008 |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | 5in5 | Baufi24 | Median |
|---|---|---|---|
| APR | Not confirmed | 4% to 4.5%lowest quarter | 8.95 |
| Loan amount | Not confirmed | €1,000 to €100,000highest quarter | €40,000 |
| Term | Not confirmed | 12 to 180 monthshighest quarter | 60 |
Median across 1164 listed lenders.
Pros and cons
5in5
Pros
- Designed specifically for entrepreneurs including starting self employed people
- Fully online arrangement with digital signing inside a secure environment
- Choice assistance lets you select a desired amount for entrepreneurial use
Cons
- Available only online with no alternative for arranging matters in person
- Serves only entrepreneurs so private borrowers find no suitable service here
- Invoice handling sends payment to suppliers rather than placing it with you
Baufi24
Pros
- Financing confirmations are sent Financing confirmations preferably within 24 hours.
- Support runs on phone, email and help centre, including a help centre for self service.
- Covers purchase, remortgage and buy to let for property, and secured, personal and car for consumer borrowing.
Cons
- Baufi24 is a broker, so the lender sets the final rate rather than the quote.
- Its 4.38% initial rate ranks 134 of 297 on the site.
- Property lending stops at 90% loan to value, and consumer borrowing is capped at €1,000 to €100,000 over 12 to 180.
Who each suits
5in5
Who it suits
- Starting self employed people seeking extra room to act
- Experienced self employed people facing unforeseen expenses
- Entrepreneurs who prefer fully online arrangements
Who should look elsewhere
- Private borrowers seeking personal funds
- People preferring in person arrangements
Baufi24
Who it suits
- Buyers and remortgagers in Germany who want 10 of rate certainty.
- Borrowers who would rather see a soft prequal than a hard credit search at first enquiry.
- Anyone with home improvement in mind, the named use case for the consumer side.
Who should look elsewhere
- Prestalo, where the initial rate is 2.36% against 4.38% here, if the lowest starting rate matters most.
- Sofkredit, whose initial rates run 8% to 14%, for readers shopping in a much higher rate band.
- Creditilia ES, listed at 4% initial rate, if you would rather see one lender's own rate than a broker's panel.
Country by country
| Country | 5in5 | Baufi24 |
|---|---|---|
| Germany | No | Yes |
Questions about each
5in5
What does 5in5 offer?+
5in5 offers small entrepreneurial credit that supports independent entrepreneurial activity. It also provides invoice handling under the name 1in4 where supplier invoices receive direct settlement. Every arrangement runs online inside a secure environment with digital signing.
Who is 5in5 intended for?+
5in5 centres on entrepreneurs including starting and experienced self employed people. Borrowers choose an own desired amount that matches the situation of the enterprise. The service remains focused on entrepreneurial needs rather than private borrowing.
Baufi24
What rate does Baufi24 offer on a property loan?+
The published initial rate is 4.38%, and the rate band is 4% to 4.5%. The band is the spread lenders quote through the broker, so the rate offered depends on the property and the credit file. The published property example pairs that rate with 10 of fix at 90% loan to value.
How long does the rate stay fixed?+
The rate is fixed for 10, and the product is a fixed fixed rate deal. The site's median fixed period is 10, so this sits in the middle of the field. Nothing floats during the fix, so the monthly figure stays predictable.