Updated October 16, 2026 · BorrowCue Editorial Team
Abhi vs Kredit.de
Where Abhi and Kredit.de differ
| Compare |  Abhi |  Kredit.de |
|---|---|---|
| Term | 1 to 4 months | 12 to 120 monthsHigher |
| Arrangement fee | 0 PKR subscription fee; PKR 150 collection agency fee | 0 EUR |
| Credit check | Hard | Soft prequal |
| Funding time | Instant, about 30 seconds | Loan amount usually credited to the account within a few business days |
| Lender type | Direct lender | Broker |
| Eligibility | Currently employed employees with a valid up to date NADRA-issued CNIC, e-mail address and mobile telephone number | Minimum age 18, main residence in Germany, German current account, sufficient and secured income |
| Loan types | Cash advance, Personal, Credit line, Secured, Business, BNPL | Personal, Car, Debt consolidation, Secured |
| APR | 0% | Not confirmed |
| Loan amount | Not confirmed | €120,000 |
| 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 |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | Home improvement |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Founded is lower at Kredit.de: 2017 vs 2021.
- Term is higher at Kredit.de: 12 to 120 months vs 1 to 4 months.
- Support channels: only Kredit.de offers Help centre.
- Loan types: only Abhi offers Cash advance, Credit line, Business.
- Loan types: only Kredit.de offers Car, Debt consolidation.
Our verdict on each
Abhi
Abhi presents salary access, payroll and business finance services.
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 | Abhi | Kredit.de |
|---|---|---|
| Cost | 9.9Higher | 9.4Arrangement fee 0 EUR on personal loans, product fee €0 on home finance and an initial rate of 3.25% on property. |
| Offer | 8.3 | 9.5Higher |
| Trust | 8.7Higher | 8.3 |
Where each is licensed and available
| Country | Abhi | Kredit.de |
|---|---|---|
| Germany | Not confirmed | |
| Pakistan | Securities and Exchange Commission of Pakistan (SECP) SC/NBFC-219/APL/IFS/2021-02 | Not confirmed |
Additional countries for Abhi: 1. Additional countries for Kredit.de: 1.
Also worth a look
Sofkredit has term at 6 to 240 months, against 1 to 4 months for Abhi and 12 to 120 months for Kredit.de.
Sofkredit reviewSources behind this comparison
Abhi
- abhi.com.pk: 13 facts, checked September 26, 2026
Kredit.de
- kredit.de: 19 facts, checked September 26, 2026
How they place
| Ranking | Abhi | Kredit.de |
|---|---|---|
| Personal loans | 646 of 1920 | 699 of 1920 |
| Secured loans | 178 of 473 | 204 of 473 |
Every fact side by side
| Fact | Abhi | Kredit.de |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | ABHI (PRIVATE) LIMITED | KREDIT.DE AG |
| Headquarters | Pakistan | Germany |
| Founded | 2021 | 2017Lower |
| Support channels | Email, Phone | Phone, Email, Help centreCovers more |
Mortgages
| Fact | Abhi | 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 | Abhi | Kredit.de | Median |
|---|---|---|---|
| APR | 0%lowest quarter | Not confirmed | 8.99% |
| Loan amount | Not confirmed | €120,000highest quarter | €40,000 |
| Term | 1 to 4 monthslowest quarter | 12 to 120 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1152 listed lenders.
Pros and cons
Abhi
Pros
- The captured source states the provider or product information summarized here.
Cons
- The captured statement does not establish eligibility or loan terms.
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
Abhi
Who it suits
- Readers looking for the limited background stated in the captured source.
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 | Abhi | Kredit.de |
|---|---|---|
| Germany | No | Yes |
| Pakistan | Yes | No |
Questions about each
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.
Does Kredit.de lend the money itself?+
Not directly. Kredit.de is listed as a broker, so it introduces lenders rather than providing the money, and the agreement ends with the lender named on the offer. Checking which permissions the company publishes, and which lender you end up with, matters here.
Who can apply?+
Eligibility asks for adults with main residence in Germany, a German current account, and evidenced income. On the credit side the application uses a soft prequal check and the lending targets poor credit, so a prequalification is not a decision.