auxmoney review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

auxmoney is a German loan broker built for people who want a fixed-rate private loan without shopping several lenders themselves. The rate of 4.55% sits well under the personal loan median of 12.25%, though the brokerage fee is the price of that convenience.

Key facts

Best for
A fixed-rate German private loan priced on the rate, not on the fee.
APR
4.55% (Source, checked September 26, 2026)
Loan amount
€1,000 to €50,000 (Source, checked September 26, 2026)
Term
12 to 84 months (Source, checked September 26, 2026)
Arrangement fee
One-off brokerage fee averaging 3.5% of the net loan amount, plus a EUR 2.50 payout service fee, already included in the monthly instalments (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Disbursement usually within 24 hours (up to 72 hours with PostIdent) (Source, checked September 26, 2026)
Representative example
Effective rate 4.55% p.a., 84 months, loan amount EUR 12,500 incl. fees and Sorglos-Paket, payout EUR 10,027 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
At least 18 years old, residence in Germany, regular income, German current account; non-EU citizens need a valid residence permit covering the term (Source, checked September 26, 2026)
Origination fee (%)
3.5% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
auxmoney GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2007 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
auxmoney.com

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataLinkedInTrustpilotXxing.com

Pros and cons

Pros

  • Rate of 4.55% against a personal loan median of 12.25%
  • Soft prequalification rather than a full credit search before an offer
  • Fixed-rate borrowing, terms run 12 to 84
  • Disbursement usually within a day, longer with PostIdent verification

Cons

  • Free early repayment is no, so settling early carries a cost
  • Brokerage fee averaging 3.5% of the net loan amount plus a small payout service fee
  • Loans go to adults in Germany with regular income and a German current account
auxmoney

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Adults resident in Germany with a regular income and a German current account
  • Borrowers consolidating debt or funding home improvement who want a fixed rate
  • People who would rather pay a brokerage fee than compare lenders themselves

Who should look elsewhere

  • Anyone wanting to leave early without cost, since free early repayment is no
  • Borrowers without a German current account or residence in Germany
  • Readers who want a lender with no fee loaded onto the net amount

Who runs it

auxmoney is a broker rather than the lender, and the legal entity is auxmoney GmbH, based in Germany. It has operated since 2007 and is permitted as a loan broker by Stadt Duesseldorf, Ordnungsamt, Abt. Gewerberechtliche Angelegenheiten under the German Gewerbeordnung, and supervised by Bundesanstalt fuer Finanzdienstleistungsaufsicht. Support runs on email, phone and help centre.

How auxmoney compares

Where auxmoney is available

Available
Germany
Licence in Germany
Stadt Duesseldorf, Ordnungsamt, Abt. Gewerberechtliche Angelegenheiten (loan brokerage permit under Sec. 34c Abs. 1 S. 1 Nr. 2 GewO), checked September 26, 2026
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does auxmoney charge on a private loan?+

The rate is 4.55%, a fixed-rate model, and terms run 12 to 84. That sits below the personal loan median of 12.25% across the comparison. Because auxmoney is a broker, the rate comes from partner lenders rather than from the broker itself.

What fees does auxmoney charge?+

A one-off brokerage fee averaging 3.5% of the net loan amount is charged, along with a small payout service fee. Both are already included in the monthly instalments rather than billed separately. The representative example shows the fees folded into the effective rate.

Does auxmoney check your credit before you apply?+

Applications run a soft prequalification, so the credit check is a soft-prequal process rather than a full search that hits your file. It suits people who want to see an offer without a hard check. The stated requirement is a fair credit profile.

How much can I borrow and for how long?+

Loan amounts run €1,000 to €50,000 and terms run 12 to 84. On loan size, auxmoney sits well above the personal loan median of €556.48 for the brands compared. The loan types cover personal lending, debt consolidation and home improvement.

How quickly is the money paid out?+

Disbursement usually lands within a day, and can run longer where PostIdent identification is involved. The same-day funding feature is common among the lenders compared here. The representative example works from the effective rate and the instalments.

Who can apply with auxmoney?+

Applicants must be adults living in Germany with a regular income and a German current account. Non-EU citizens need a valid residence permit covering the full term. Personal loans, debt consolidation and home improvement are all covered.

Can I repay a loan early?+

Free early repayment is no, which is the single biggest thing to weigh before signing. Settling the balance sooner does not come at no cost. Borrowers expecting to overpay or finish early should compare that cost against a lender offering free early repayment.

Is auxmoney regulated?+

auxmoney holds a loan brokerage permit from Stadt Duesseldorf, Ordnungsamt, Abt. Gewerberechtliche Angelegenheiten under the German Gewerbeordnung, and Bundesanstalt fuer Finanzdienstleistungsaufsicht appears among its regulators. The legal entity behind the brand is auxmoney GmbH.

Sources

  • auxmoney.com checked September 26, 2026

    Backs: Features

  • auxmoney.com/about checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Licences

    “auxmoney GmbH, Kasernenstraße 67, D-40213 Düsseldorf; Amtsgericht Düsseldorf, HRB 56768”

  • auxmoney.com/faq/kreditnehmer-faq checked September 26, 2026

    Backs: Loan amount, Free early repayment, Support channels

    “Bitte kontaktiere uns hierfür per E-Mail an info@auxmoney.com oder unter Tel. 0211 737 100 020 (Mo.- Fr. 8-20 Uhr)”

  • auxmoney.com/kredit/darlehen-kreditrechner.html checked September 26, 2026

    Backs: APR, Representative example

    “Eff. Zins 4,55 % p.a., 84 Monate, Kreditbetrag 12.500 € (inkl. Geb., Sorglos-Paket), Auszahlungsbetrag € 10.027”

  • auxmoney.com/kredit/darlehen-privatkredit.html checked September 26, 2026

    Backs: Credit check, Credit needed, Founded, Funding time, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Term, Use cases

  • auxmoney.com/kredit/sofortkredit.html checked September 26, 2026

    Backs: Eligibility

    “Mindestens 18 Jahre alt ... Wohnsitz in Deutschland ... Deutsches Girokonto ... Regelmäßiges Einkommen”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

auxmoney

auxmoney

A fixed-rate German private loan priced on the rate, not on the fee.

8.8/10See alternatives

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