Updated September 29, 2026 · BorrowCue Editorial Team

Top lines of credit compared in Germany

36 lenders available in Germany, ranked for Germany.

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Top lines of credit compared in Germany
#	Lender	Score	Features	Key facts	Actions
1	TF BankTop pick	9.3/10	Fixed rate	APR: 17.58% Loan amount: up to €15,000 Term: up to 120 months	Review Compare Visit
2	TF Bank DE	9.1/10	Fixed rate	APR: 17.58% Loan amount: up to €15,000 Term: up to 120 months	Review Compare Visit
3	Kontist	8.7/10		APR: 17% Loan amount: €500 to €50,000 Term: 1 to 24 months	Review Compare Visit
4	Spark	9.3/10	Same day funding	Arrangement fee: 0 Credit check: None Funding time: Instant, on-chain in the borrow transaction	Review Compare See alternatives
5	Consors Finanz	9.2/10	Fixed rate Same day funding	APR: 3.49% Loan amount: €1,500 to €80,000 Term: 6 to 120 months	Review Compare See alternatives
6	Consorsbank Aktion: Apple Aktie geschenkt: 1 free Apple share	9.2/10		APR: 7.77% Loan amount: €10,000 Arrangement fee: 0 EUR	Review Compare See alternatives
7	Bluevine	9.2/10	Same day funding	Loan amount: up to $250,000 Arrangement fee: 0 USD (no maintenance fees) Credit check: Soft prequal	Review Compare See alternatives
8	Sparda-Bank Hamburg	9.2/10	Fixed rate	APR: 5.95% Loan amount: €2,500 to €75,000 Term: 12 to 120 months	Review Compare See alternatives
9	Geld.nl EUR 20 bol gift card when you take out car insurance via Geld.nl	9.1/10	Fixed rate	APR: 6.7% to 10.6% Loan amount: €2,500 to €100,000 Term: 12 to 180 months	Review Compare See alternatives
10	UmweltBank AG Girokonto Startpraeemie (150 EUR): 150 EUR: 100 EUR credited to the account plus 50 EUR donated to NABU	9.1/10		APR: 9.339% Loan amount: €500 Credit check: Hard	Review Compare See alternatives

Licensed in Germany

Consors Finanz: Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
Consors Finanz: Europaeische Zentralbank (EZB)
Consors Finanz: Registergericht Muenchen (Handelsregister)
Consorsbank: Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
Sparda-Bank Hamburg: Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
Sparda-Bank Hamburg: Versicherungsvermittlerregister
Geld.nl: DE_BAFIN
UmweltBank AG: European Central Bank (EZB/ECB) - competent authority for licensing
UmweltBank AG: Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) - competent authority for consumer protection
FinCompare: Bezirksamt Mitte von Berlin, Ordnungsamt (loan brokerage permit under Sec. 34c(1) GewO, granted 11.01.2017)
FinCompare: IHK Berlin (insurance mediation permit under Sec. 34d(1) GewO, Vermittlerregister)
FinCompare: IHK Berlin (real estate loan mediation permit under Sec. 34i(1) GewO, Vermittlerregister)
S Kredit-per-Klick: Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
S Kredit-per-Klick: Versicherungsvermittler-Register (IHK Berlin), permission under Sec. 34d(1) GewO
Giromatch: Stadt Frankfurt am Main (Ordnungsamt)
Giromatch: IHK Frankfurt am Main

Top lines of credit compared in Germany

Licensed in Germany

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Top lines of credit compared in Germany

Licensed in Germany

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