Updated October 17, 2026 · BorrowCue Editorial Team
5in5 vs Kredit.de
5in5 vs Kredit.de: the differences
| Compare |  5in5 |  Kredit.de |
|---|---|---|
| Arrangement fee | One-off fee deducted from payout | 0 EUR |
| Credit check | Hard | Soft prequal |
| Funding time | Same day up to 1 business day | Loan amount usually credited to the account within a few business days |
| Lender type | Direct lender | Broker |
| Loan amount | Not confirmed | €120,000 |
| Term | Not confirmed | 12 to 120 months |
| Representative example | Not confirmed | Example personal loan: 12,000 EUR, 6.17% effective annual rate, 56 months, 250.00 EUR monthly rate, total cost 13,756.13 EUR |
| Rate type | Not confirmed | Fixed |
| Eligibility | Not confirmed | Minimum age 18, main residence in Germany, German current account, sufficient and secured income |
| Origination fee (%) | Not confirmed | 0% |
| Loan types | Not confirmed | Personal, Car, Debt consolidation, Secured |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | Home improvement |
Same on both: Free early repayment (Yes).
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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.
Kredit.de
Kredit.de is a German credit broker rather than a lender, so it suits adults in Germany holding a German current account who want lender offers compared side by side. Personal loans reach €120,000, and it ranks 27 of 685 brands on loan amount.
Score breakdown
| Area | 5in5 | Kredit.de |
|---|---|---|
| Cost | 9.2 | 9.4HigherArrangement fee 0 EUR on personal loans, product fee €0 on home finance and an initial rate of 3.25% on property. |
| Offer | 9.2 | 9.5Higher |
| Trust | 9.3Higher | 8.3 |
Positions in our rankings
| Ranking | 5in5 | Kredit.de |
|---|---|---|
| Personal loans | 21 of 1920 | 699 of 1920 |
Where each is licensed and available
| Country | 5in5 | Kredit.de |
|---|---|---|
| Germany | Not confirmed |
Sources behind this comparison
5in5
- 5in5.nl: 6 facts, checked September 29, 2026
Kredit.de
- kredit.de: 19 facts, checked September 26, 2026
Every fact side by side
| Fact | 5in5 | Kredit.de |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Legal entity | Not confirmed | KREDIT.DE AG |
| Headquarters | Not confirmed | Germany |
| Founded | Not confirmed | 2017 |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Mortgages
| Fact | 5in5 | Kredit.de |
|---|---|---|
| Initial rate | Not confirmed | 3.25% |
| Fixed period | Not confirmed | 10 to 40 years |
| Maximum loan to value | Not confirmed | 110% |
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Purchase, Remortgage, Home equity |
Where each stands against the rest
| Fact | 5in5 | Kredit.de | Median |
|---|---|---|---|
| Loan amount | Not confirmed | €120,000highest quarter | €40,000 |
| Term | Not confirmed | 12 to 120 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.125% |
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
Kredit.de
Pros
- The arrangement fee on personal loans is 0 EUR and the product fee on home finance is €0, so there is no upfront charge to weigh up.
- Personal loans reach €120,000 with terms running 12 to 120, well past the €2,500 upper quartile of amounts listed.
- Early repayment is free, as it is for 79.5% of the lenders compared.
Cons
- Kredit.de is a broker, so the rate comes from the partner lender rather than a published price.
- Pricing runs on a fixed model under fixed rate terms, leaving no variable rate option to switch to.
- Support runs on phone, email and help centre only, with no live chat for quick questions.
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
Kredit.de
Who it suits
- Adults living in Germany with a German current account and income they can evidence, since eligibility asks for all of these.
- Borrowers after a car loan, debt consolidation or a secured loan, as personal, car and debt consolidation covers those alongside personal lending.
- Homebuyers and remortgagors wanting a maximum loan to value of 110% on fixed periods of 10 to 40.
Who should look elsewhere
- Monzo Flex, which lends £10,000 to £35,000, belongs to a different currency market than the euro €120,000 range at Kredit.de.
- Cashspace ES, capped at €100 to €5,000, is too small for a larger home project, where Kredit.de covers €120,000.
Country by country
| Country | 5in5 | Kredit.de |
|---|---|---|
| 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.
Kredit.de
What does Kredit.de charge for arranging a loan?+
Personal loans carry an arrangement fee of 0 EUR, and residential home finance a product fee of €0. A representative example is published for a personal loan, showing the effective annual rate, the monthly instalment and the total cost of borrowing.
How much can I borrow, and for how long?+
Personal loans reach €120,000 with terms running 12 to 120. On property finance the site quotes an initial rate of 3.25% with a maximum loan to value of 110%, above the 90% across these listings, on fixed periods of 10 to 40.