Updated October 14, 2026 · BorrowCue Editorial Team
BAWAG vs Verivox
Where BAWAG and Verivox differ
| Compare | BAWAG ReviewSee alternativesSee alternatives |  Verivox |
|---|---|---|
| Loan amount | €4,000 to €75,000 | €500 to €100,000Higher |
| Arrangement fee | 0 EUR - no processing fee (keine Bearbeitungsgebuehr) | 0 |
| Credit check | Hard | Soft prequal |
| Funding time | Payout within 24 hours | Instant payout within 3 minutes via account check; many partner banks pay out within 24 hours of approval |
| Lender type | Direct lender | Broker |
| Free early repayment | No | YesHas it |
| Eligibility | Minimum age 18, main residence in Austria | Minimum age 18, permanent residence in Germany and a German bank account |
| APR | Not confirmed | 0.68% to 10.99% |
| 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 |
Same on both: Term (12 to 120 months), Rate type (Fixed), Origination fee (%) (0%), Loan types (Personal, Debt consolidation, Car), Use cases (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
- Verivox scores higher overall: 9.2 vs 9.1.
- Free early repayment: only Verivox.
- Loan amount is higher at Verivox: €500 to €100,000 vs €4,000 to €75,000.
- Support channels: only Verivox offers Chat.
Our verdict on each
BAWAG
BAWAG’s Online Kredit is an Austrian consumer loan with an online application. The process includes identity confirmation and signing the loan agreement, and applicants must have their primary residence in Austria.
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 | BAWAG | Verivox |
|---|---|---|
| Cost | 8.9 | 9.5HigherArrangement and product fees are 0 and €0, and quoted APRs run 0.68% to 10.99% against a 12% site median. |
| Offer | 9.4Higher | 9.3 |
| Trust | 9.2Higher | 8.8 |
Pick BAWAG if, pick Verivox if
Pick BAWAG if trust matter most.
Pick Verivox if cost, loan amount, and free early repayment matter most.
Feature by feature
| Loan types | BAWAG | Verivox |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Car | Yes | Yes |
| Use cases | BAWAG | Verivox |
|---|---|---|
| Home improvement | Yes | Yes |
How they place
| Ranking | BAWAG | Verivox |
|---|---|---|
| Personal loans | 526 of 1920 | 501 of 1920 |
| Debt consolidation loans | 165 of 425 | 152 of 425 |
| Mortgages | 159 of 716 | 150 of 716 |
| Remortgage deals | 111 of 351 | 104 of 351 |
| Car loans | 141 of 432 | 131 of 432 |
| Home improvement loans | 217 of 562 | 205 of 562 |
Every fact side by side
| Fact | BAWAG | Verivox |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | BAWAG P.S.K. Bank fuer Arbeit und Wirtschaft und Oesterreichische Postsparkasse Aktiengesellschaft | Verivox Finanzvergleich GmbH |
| Headquarters | Austria | Germany |
| Founded | Not confirmed | 1998 |
| Support channels | Phone, Email, Help centre | Phone, Email, Chat, Help centreCovers more |
Mortgages
| Fact | BAWAG | Verivox |
|---|---|---|
| Initial rate | Not confirmed | 4.37% |
| Fixed period | Not confirmed | 5 years |
| Maximum loan to value | 80% | Not confirmed |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | BAWAG | Verivox | Median |
|---|---|---|---|
| APR | Not confirmed | 0.68% to 10.99%lowest quarter | 8.99 |
| Loan amount | €4,000 to €75,000above the median | €500 to €100,000highest quarter | €40,000 |
| Term | 12 to 120 monthshighest quarter | 12 to 120 monthshighest quarter | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1152 listed lenders.
Pros and cons
BAWAG
Pros
- The Online Kredit is described as a consumer loan with an online application.
- The described application includes identity confirmation and contract signing.
Cons
- Applicants must have their primary residence in Austria; lender requirements also apply.
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
BAWAG
Who it suits
- People with primary residence in Austria who want to compare online consumer-loan applications.
Who should look elsewhere
- Applicants without primary residence in Austria.
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
BAWAG
Current offer
Discount code
Konto Prozent: 5% account fee back with Online Kredit: 5% account management fee back monthly, up to 45% in total with Konto Prozent
Register via BAWAG Banking App; applies to KontoBox Small, Medium, Large and XLarge salary, private and pension accounts; credit approval required
Source, checked September 26, 2026
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 | BAWAG | Verivox |
|---|---|---|
| Austria | Yes | No |
| Germany | No | Yes |
Questions about each
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.
How much can I borrow and over what term?+
Loan amounts run €500 to €100,000 and terms run 12 to 120. Home improvement is the named use case, so a renovation quote at the lower end of €500 to €100,000 can be covered without collateral. Longer terms under 12 to 120 cut the instalment but raise the total repayable.
Will asking for a quote affect my credit file?+
The check listed is a soft prequalification, so an initial enquiry carries less weight on your file than a completed application. A full check follows at the partner bank once you apply, and that is the point at which the file is assessed properly.