Updated September 28, 2026 · BorrowCue Editorial Team
Amanahkredit MY vs Kredit.de
What sets them apart
| Compare |  Amanahkredit MY |  Kredit.de |
|---|---|---|
| Loan amount | MYR 300 to MYR 5,000 | €120,000 |
| Term | 2 to 30 months | 12 to 120 monthsHigher |
| Arrangement fee | Service, processing and stamping charges deducted upfront from the disbursement amount (no figure published) | 0 EUR |
| Funding time | Within 24 hours of approval, same day if applied before 5 pm | Loan amount usually credited to the account within a few business days |
| Lender type | Direct lender | Broker |
| Eligibility | At least 21 years old, Malaysian citizen, employed with stable income, valid MyKad and active Malaysian bank account | Minimum age 18, main residence in Germany, German current account, sufficient and secured income |
| Loan types | Personal, Payday, Student, Business | Personal, Car, Debt consolidation, Secured |
| APR | 18% | Not confirmed |
| Credit check | Not confirmed | Soft prequal |
| 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 |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Poor |
Same on both: Rate type (Fixed), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Term is higher at Kredit.de: 12 to 120 months vs 2 to 30 months.
- Loan types: only Amanahkredit MY offers Payday, Student, Business.
- Loan types: only Kredit.de offers Car, Debt consolidation, Secured.
Our verdict on each
Amanahkredit MY
Amanahkredit MY is a licensed Malaysian direct lender for small, short personal and payday loans that fund quickly, at an APR of 18%. That sits below the payday ranking median of 36.5%, so it suits borrowers who put payout speed and charge-free early settlement ahead of the lowest price.
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 | Amanahkredit MY | Kredit.de |
|---|---|---|
| Cost | 8.9APR 18% on MYR 300 to MYR 5,000 over 2 to 30, plus an arrangement fee taken upfront from the disbursement amount. | 9.4HigherArrangement fee 0 EUR on personal loans, product fee €0 on home finance and an initial rate of 3.25% on property. |
| Offer | 8.6 | 9.5Higher |
| Trust | 9.2Higher | 8.3 |
Pick Amanahkredit MY if, pick Kredit.de if
Pick Amanahkredit MY if trust matter most.
Pick Kredit.de if cost, offer, and term matter most.
Side by side, item by item
| Loan types | Amanahkredit MY | Kredit.de |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | No | Yes |
| Secured | No | Yes |
| Car | No | Yes |
| Business | Yes | No |
| Student | Yes | No |
| Use cases | Amanahkredit MY | Kredit.de |
|---|---|---|
| Home improvement | Yes | Yes |
Ranges side by side
| Fact | Amanahkredit MY | Kredit.de |
|---|---|---|
| Term | 2 to 30 months | 12 to 120 months |
A third option
Sofkredit has term at 6 to 240 months, against 2 to 30 months for Amanahkredit MY and 12 to 120 months for Kredit.de.
Sofkredit reviewHow they place
| Ranking | Amanahkredit MY | Kredit.de |
|---|---|---|
| Personal loans | 656 of 1920 | 699 of 1920 |
| Home improvement loans | 294 of 562 | 313 of 562 |
Every fact side by side
| Fact | Amanahkredit MY | Kredit.de |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | Constance Infinity Sdn. Bhd. (201901035854, 1345184-H) | KREDIT.DE AG |
| Headquarters | Malaysia | Germany |
| Founded | Not confirmed | 2017 |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Mortgages
| Fact | Amanahkredit MY | 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 | Amanahkredit MY | Kredit.de | Median |
|---|---|---|---|
| APR | 18%above the median | Not confirmed | 8.99% |
| Term | 2 to 30 monthsbelow the median | 12 to 120 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1152 listed lenders.
Pros and cons
Amanahkredit MY
Pros
- Licensed in Malaysia by the Ministry of Housing and Local Government (KPKT) under WL3468/01/01-11/270127.
- Funds go out Within 24 hours of approval, same day if applied before 5 pm, with same-day funding among same day funding.
- Early repayment carries no charge, so a shorter payoff costs nothing extra.
Cons
- An APR of 18% is above the site median of 12% and above Monzo Flex at 10% to 23%.
- Terms run 2 to 30, well short of the site median term of 36.
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
Amanahkredit MY
Who it suits
- Malaysian citizens with a MyKad, stable employment and an active local bank account.
- Applicants who need money the same day and would rather clear a short term than stretch it.
- Borrowers who want to settle early without a charge and prefer dealing with a direct lender.
Who should look elsewhere
- Cost-first borrowers, since 18% sits above the site median of 12% and above Monzo Flex at 10% to 23%.
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 | Amanahkredit MY | Kredit.de |
|---|---|---|
| Germany | No | Yes |
| Malaysia | Yes | No |
Questions about each
Amanahkredit MY
What rate does Amanahkredit MY charge?+
The published APR is 18%, and the rate type is fixed, so the cost does not drift during the term. That sits above the site median of 12% but below the payday ranking median of 36.5%, where short-term fixes tend to price out.
How much can I borrow, and over what term?+
Loan amounts run MYR 300 to MYR 5,000 and terms run 2 to 30, with home improvement given as the main use. The listed categories are personal, payday and student. That menu suits a planned bill or a contained repair rather than a large project.
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.
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