Updated October 17, 2026 · BorrowCue Editorial Team
5in5 vs Verivox
What sets them apart
| Compare |  5in5 |  Verivox |
|---|---|---|
| Arrangement fee | One-off fee deducted from payout | 0 |
| Credit check | Hard | Soft prequal |
| Funding time | Same day up to 1 business day | Instant payout within 3 minutes via account check; many partner banks pay out within 24 hours of approval |
| Lender type | Direct lender | Broker |
| APR | Not confirmed | 0.68% to 10.99% |
| Loan amount | Not confirmed | €500 to €100,000 |
| Term | Not confirmed | 12 to 120 months |
| Representative example | Not confirmed | 20,000 EUR net loan over 84 months at 8.38% effective annual rate, 312.47 EUR monthly instalment, 26,247.48 EUR total |
| Rate type | Not confirmed | Fixed |
| Eligibility | Not confirmed | Minimum age 18, permanent residence in Germany and a German bank account |
| Origination fee (%) | Not confirmed | 0% |
| Loan types | Not confirmed | Personal, Debt consolidation, Car |
| 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.
Verivox
Verivox is a German broker rather than a lender, so it suits borrowers comparing fixed rate instalment loans, car finance and debt consolidation in one place. The quoted APR runs 0.68% to 10.99% and the arrangement fee sits at 0, with a soft prequalification check first.
Score breakdown
| Area | 5in5 | Verivox |
|---|---|---|
| Cost | 9.2 | 9.5HigherArrangement and product fees are 0 and €0, and quoted APRs run 0.68% to 10.99% against a 12% site median. |
| Offer | 9.2 | 9.3Higher |
| Trust | 9.3Higher | 8.8 |
Where each is licensed and available
| Country | 5in5 | Verivox |
|---|---|---|
| Germany | Not confirmed |
Positions in our rankings
| Ranking | 5in5 | Verivox |
|---|---|---|
| Personal loans | 21 of 1920 | 501 of 1920 |
What we checked
5in5
- 5in5.nl: 6 facts, checked September 29, 2026
Verivox
- verivox.de: 20 facts, checked September 26, 2026
Every fact side by side
| Fact | 5in5 | Verivox |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | Verivox Finanzvergleich GmbH |
| Headquarters | Not confirmed | Germany |
| Founded | Not confirmed | 1998 |
| Support channels | Email, Phone, Help centre | Phone, Email, Chat, Help centreCovers more |
Mortgages
| Fact | 5in5 | Verivox |
|---|---|---|
| Initial rate | Not confirmed | 4.37% |
| Fixed period | Not confirmed | 5 years |
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | 5in5 | Verivox | Median |
|---|---|---|---|
| APR | Not confirmed | 0.68% to 10.99%lowest quarter | 8.95 |
| Loan amount | Not confirmed | €500 to €100,000highest 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
Verivox
Pros
- Arrangement fee of 0 and a product fee of €0 on the loans it quotes.
- Quoted APRs run 0.68% to 10.99% against a 12.25% median for personal loans on this site.
- The credit check listed is a soft prequalification, and same day funding funding is offered.
Cons
- Verivox is a broker, so the loan contract sits with a partner bank and the final terms are set there.
- Business lending is not among its listed loan types (personal, debt consolidation and car) or its use cases (home improvement).
- Every loan listed is fixed rate at a fixed rate, so a variable option is not among them.
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
Verivox
Who it suits
- German residents with a German bank account who want fixed rate instalment loans compared in one place.
- Borrowers consolidating debt, financing a car or funding home improvement, since personal, debt consolidation and car and home improvement cover those purposes.
Who should look elsewhere
- Borrowers outside Germany or without a German bank account, as Verivox needs permanent residence in Germany and a local account, with Cashspace at PHP 12 to PHP 36 as another market to check.
- Anyone needing a variable rate or a business facility, since Verivox lists fixed rate loans and the purposes in personal, debt consolidation and car only, with Monzo Flex at 10% to 23% for comparison.
Current offers
Verivox
Current offer
Bonus
Nirgendwo-Guenstiger-Garantie: Up to 300 EUR interest difference refunded
Applies to the same instalment loan taken via Verivox; payout as a one-off payment to the account.
Source, checked September 26, 2026
Country by country
| Country | 5in5 | Verivox |
|---|---|---|
| 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.
Verivox
What does Verivox charge for arranging a loan?+
Nothing to pay to use the comparison. The arrangement fee on the loans it quotes is 0, the percentage element is 0% and the product fee is €0. What follows is the interest on the loan itself and the instalments you agree.
What APR can I expect on a consumer loan?+
The rates listed for consumer loans run 0.68% to 10.99%, which puts the stronger end of that range below the 12% median for personal loans here. Those rates go to the strongest files, so read 0.68% to 10.99% as a headline rather than a promise.