Updated October 12, 2026 · BorrowCue Editorial Team
Andacredito vs DKB (Deutsche Kreditbank)
Facts checked September 26, 2026.
Andacredito vs DKB (Deutsche Kreditbank): the differences
| Compare |  Andacredito |  DKB (Deutsche Kreditbank) |
|---|---|---|
| APR | 0% to 36%Lower | 6.99% |
| Loan amount | €100 to €5,000 | €2,500 to €100,000Higher |
| Term | 2 to 3 months | 12 to 120 monthsHigher |
| Funding time | 10 minutes | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Nettodarlehensbetrag 15.000 Euro, Laufzeit 120 Monate, effektiver Jahreszins 6,99 % p. a., mtl. Rate 172,43 Euro, Gesamtbetrag 20.691,92 Euro |
| Rate type | Variable | Fixed |
| Lender type | Broker | Direct lender |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Of age and main residence in Germany; not self-employed or freelance; in permanent employment or on an indefinite pension; German mobile number and online-banking access to the salary account |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Personal, Car, Debt consolidation |
| Arrangement fee | 0 EUR | Not confirmed |
| Credit check | Not confirmed | Soft prequal |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Free early repayment (Yes).
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Key differences
- APR is lower at Andacredito: 0% to 36% vs 6.99%.
- Loan amount is higher at DKB (Deutsche Kreditbank): €2,500 to €100,000 vs €100 to €5,000.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 2 to 3 months.
- Support channels: only DKB (Deutsche Kreditbank) offers Phone, Chat, Help centre.
- Loan types: only Andacredito offers Payday, Business, Student.
Our verdict on each
Andacredito
Andacredito is a Spanish broker for short personal and payday loans, built for borrowers with poor credit who need cash quickly. Costs are where it wins, with an APR of 0% to 36%, an arrangement fee of 0 EUR and funding in 10 minutes.
DKB (Deutsche Kreditbank)
DKB provides direct lending instead of passing applications between intermediaries, which keeps responsibility with one provider. It covers personal, car and consolidation borrowing for purchase, remortgage and home improvement, with soft prequalification and support across phone, chat, email and help centre.
Score breakdown
| Area | Andacredito | DKB (Deutsche Kreditbank) |
|---|---|---|
| Cost | 9.5 | Not confirmed |
| Offer | 8.3 | 9.4Higher |
| Trust | 8.3 | 9.2Higher |
Pick Andacredito if, pick DKB (Deutsche Kreditbank) if
Pick Andacredito if apr and loan types matter most.
Pick DKB (Deutsche Kreditbank) if offer, trust, loan amount, and term matter most.
Where each is licensed and available
| Country | Andacredito | DKB (Deutsche Kreditbank) |
|---|---|---|
| Germany | Not confirmed |
Additional countries for Andacredito: 1. Additional countries for DKB (Deutsche Kreditbank): 1.
Ranges side by side
| Fact | Andacredito | DKB (Deutsche Kreditbank) |
|---|---|---|
| Loan amount | €100 to €5,000 | €2,500 to €100,000 |
| Term | 2 to 3 months | 12 to 120 months |
Where these facts come from
Andacredito
- andacredito.es: 17 facts, checked September 26, 2026
DKB (Deutsche Kreditbank)
- dkb.de: 17 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
How they place
| Ranking | Andacredito | DKB (Deutsche Kreditbank) |
|---|---|---|
| Personal loans | 13 of 1944 | 16 of 1944 |
| Debt consolidation loans | 5 of 425 | 6 of 425 |
| Car loans | 3 of 432 | 5 of 432 |
Every fact side by side
| Fact | Andacredito | DKB (Deutsche Kreditbank) |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | Deutsche Kreditbank Aktiengesellschaft |
| Headquarters | Estonia | Germany |
| Founded | Not confirmed | 1990 |
| Support channels | Phone, Chat, Help centre, EmailCovers more |
Where each stands against the rest
| Fact | Andacredito | DKB (Deutsche Kreditbank) | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 6.99%below the median | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €2,500 to €100,000highest quarter | €40,000 |
| Term | 2 to 3 monthslowest quarter | 12 to 120 monthshighest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1007 listed lenders.
Pros and cons
Andacredito
Pros
- An APR of 0% to 36% and an arrangement fee of 0 EUR keep the headline cost at the cheap end.
- Funding in 10 minutes suits a bill that lands today rather than next month.
- Early repayment is free, so an unexpected windfall clears the balance at no extra cost.
Cons
- The term is 2 to 3, so the balance must clear quickly and a gap suits better than a cost spread over years.
- The rate is variable, so the figure you finish on is exposed to a rate move.
- Support runs on email only, so every question and dispute is handled in writing.
DKB (Deutsche Kreditbank)
Pros
- Direct lender setup keeps application and servicing with one provider
- Covers purchase, remortgage and home improvement across varied personal needs
- Offers soft prequalification alongside phone, chat, email and help centre support
Cons
- Excludes self employed and freelance applicants, focusing on permanent employment or pension
- Requires a mobile number plus online banking access to the salary account
Who each suits
Andacredito
Who it suits
- Borrowers in Spain with a Spanish bank account who need a small sum quickly.
- Applicants with poor credit who have been turned down elsewhere.
- Anyone who can clear 2 to 3 from income and repay early for nothing.
Who should look elsewhere
- Borrowers needing more than €100 to €5,000 or a longer horizon than 2 to 3.
- Shoppers who want a phone line, since support runs on email only.
- Anyone after a narrow band, since Monzo Flex lists 10% to 23% against Andacredito's 0% to 36%.
DKB (Deutsche Kreditbank)
Who it suits
- Borrowers seeking purchase, remortgage or home improvement funding
- Employees and pension recipients wanting a direct lending relationship
Who should look elsewhere
- Self employed or freelance borrowers seeking lending
Current offers
Andacredito
Current offer
Bonus
Primer prestamo gratis sin intereses (0% TAE) for new customers: 0% TAE, 0 EUR cost on the first loan
New customers of the minicredito rapido (repayment 61-90 days); the amount and rate are set after completing the questionnaire and depend on the lender chosen
Source, checked September 26, 2026
DKB (Deutsche Kreditbank)
Current offer
Discount code
Zinsvorteil of 0.15 percentage points when buying an existing property: 0.15 percentage points off the interest rate
Purchase of an existing property; see Zinsvorteil section
Source, checked September 26, 2026
Discount code
Zinsrabatt of 0.1 percentage points for Gruene Baufinanzierung: 0.1 percentage points off the interest rate
Energy-efficient property, green mortgage financing
Source, checked September 26, 2026
Country by country
| Country | Andacredito | DKB (Deutsche Kreditbank) |
|---|---|---|
| Germany | No | Yes |
| Spain | Yes | No |
Questions about each
Andacredito
What rate does Andacredito charge?+
The published APR is 0% to 36%, and it applies across the personal, payday and car loans the broker arranges. What you actually pay depends on the partner you are matched with, the amount and the term, so read the offer rather than the band. The cheapest end of the range belongs to the smallest, shortest loans.
Is there an arrangement fee?+
The arrangement fee is 0 EUR, so the broker adds no setup charge, and the representative example confirms it: the small loan shown comes back at the amount borrowed with the cost at nothing. Start-up fees are not where this loan bites. Interest is a separate matter and depends on the partner's rate.
DKB (Deutsche Kreditbank)
Who can apply for lending with DKB?+
Applicants need to have reached adulthood and work in permanent employment or receive an indefinite pension. Self employed and freelance work falls outside eligibility. Checks also ask for a local handset contact and digital entry to the account receiving wages.
Which products does DKB cover?+
The range centres on personal borrowing, including car funding and debt consolidation support. Purposes span purchase, remortgage and home improvement needs. Lending is arranged directly, so application and servicing stay with the same provider throughout.
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