Updated September 30, 2026 · BorrowCue Editorial Team
Top loans for bad credit compared in Germany
26 lenders available in Germany, ranked for Germany.
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| # | Lender | Score | Features | Key facts | Actions |
|---|---|---|---|---|---|
| 1 |  PostbankTop pick Tagesgeld new deposits action: 3.2% p.a. interest for 6 months | 9.3/10 |
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| ReviewCompareVisit |
| 2 |  Smava 500 EUR Amazon.de voucher on taking out a loan | 8.9/10 |
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| ReviewCompareVisit |
| 3 |  Kontist | 8.7/10 |
| ReviewCompareVisit | |
| 4 |  Alt Lending | 9.4/10 |
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| ReviewCompareSee alternatives |
| 5 |  OneMain Financial | 9.3/10 |
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| ReviewCompareSee alternatives |
| 6 |  Consorsbank Aktion: Apple Aktie geschenkt: 1 free Apple share | 9.2/10 |
| ReviewCompareSee alternatives | |
| 7 |  BesserFinanz Umschuldung | 9.2/10 |
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| ReviewCompareSee alternatives |
| 8 |  Bluevine | 9.2/10 |
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| ReviewCompareSee alternatives |
| 9 |  Bon-Kredit | 9.2/10 |
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| ReviewCompareSee alternatives |
| 10 |  Santander Consumer Bank BestGiro account opening bonus (Eröffnungsbonus) | 9.2/10 |
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| ReviewCompareSee alternatives |
Licensed in Germany
- Postbank
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Postbank
- Europäische Zentralbank (EZB)
- Smava
- Bezirksamt Friedrichshain-Kreuzberg von Berlin, Ordnungs- und Gewerbeamt (credit brokerage permit under Section 34c (1) No. 2 GewO)
- Smava
- IHK Industrie- und Handelskammer zu Berlin (insurance intermediary permit under Section 34d (1) GewO)
- Consorsbank
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- BesserFinanz Umschuldung
- IHK fuer Muenchen und Oberbayern (Vermittler von Darlehen nach § 34c Abs. 1 Nr. 2 GewO)
- BesserFinanz Umschuldung
- IHK fuer Muenchen und Oberbayern (Immobiliendarlehensvermittler nach § 34i Abs. 1 S. 1 GewO; Vermittlerregister www.vermittlerregister.info)
- Santander Consumer Bank
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Santander Consumer Bank
- European Central Bank
- Kredit.de
- IHK Hannover (Erlaubnis nach Paragraph 34d Abs. 1 GewO, credit intermediary)
- Kredit.de
- IHK Hannover (Gewerbeerlaubnis nach Paragraph 34c GewO)
- Kredit.de
- IHK Hannover (Immobiliendarlehensvermittler-Erlaubnis nach Paragraph 34i Abs. 1 S. 1 GewO)
- Capitalo
- IHK Koblenz (Section 34d(1) GewO insurance representative)
- Capitalo
- Verwaltung Mayen-Koblenz / Stadtverwaltung Bendorf (Section 34f(1) GewO financial investment intermediary)
- auxmoney
- Stadt Duesseldorf, Ordnungsamt, Abt. Gewerberechtliche Angelegenheiten (loan brokerage permit under Sec. 34c Abs. 1 S. 1 Nr. 2 GewO)
- auxmoney
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- Giromatch
- Stadt Frankfurt am Main (Ordnungsamt)
- Giromatch
- IHK Frankfurt am Main
- VEXCASH
- Ordnungsamt Mitte, Fachbereich Ordnungs- und Gewerbeamt, Berlin (permit under Sec. 34c(1) no. 2 GewO for loan broking)
- VEXCASH
- Bundesamt fuer Justiz, Referat VII 5 (RDG) - entry in the legal services register as a permitted collection service provider
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- Personal loans in Germany
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- Car loans in Germany
- Business loans in Germany
- Private student loans in Germany
- Home equity loans and HELOCs in Germany
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- Cash advance apps in Germany
- Buy now, pay later in Germany
- Equity release in Germany
- Debt relief in Germany