Updated September 29, 2026 · BorrowCue Editorial Team
Top debt consolidation loans compared in Germany
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| # | Lender | Score | Features | APR | Loan amount | Actions |
|---|---|---|---|---|---|---|
| 1 |  DKB (Deutsche Kreditbank)Top pick Zinsvorteil of 0.15 percentage points when buying an existing property: 0.15 percentage points off the interest rate | Not rated |
| APR: 6.99% | Loan amount: €2,500 to €100,000 | ReviewCompareVisit |
| 2 |  Postbank Tagesgeld new deposits action: 3.2% p.a. interest for 6 months | 9.3/10 |
| APR: 3.25% to 14.3% | Loan amount: €3,000 to €80,000 | ReviewCompareVisit |
| 3 |  TF Bank | 9.3/10 |
| APR: 17.58% | Loan amount: up to €15,000 | ReviewCompareVisit |
| 4 |  CHECK24 Trikot-Deal bis 01.10. sichern: free jersey plus up to 400 EUR Smily cashback | 9.1/10 |
| APR: 0.68% to 19.92% | Loan amount: €500 to €150,000 | ReviewCompareVisit |
| 5 |  TF Bank DE | 9.1/10 |
| APR: 17.58% | Loan amount: up to €15,000 | ReviewCompareVisit |
| 6 |  FINANZCHECK.de | 9.0/10 |
| APR: -0.4% to 19.9% | Loan amount: €1,000 to €150,000 | ReviewCompareVisit |
| 7 |  Smava 500 EUR Amazon.de voucher on taking out a loan | 8.9/10 |
| APR: -0.4% to 19.9% | Loan amount: €1,000 to €120,000 | ReviewCompareVisit |
| 8 |  ING Germany Autumn interest discount of up to -0.50% on new Ratenkredit, Autokredit and Wohnkredit: -0.30% on the fixed nominal interest rate, up to -0.50% combined for loan amounts from 40,001 EUR | 9.4/10 |
| APR: 3.69% to 10.99% | Loan amount: €5,000 to €100,000 | ReviewCompareSee alternatives |
| 9 |  norisbank Niedrigzins-Garantie on the Ratenkredit (low-rate guarantee): 50 EUR payment plus free return of the loan if a cheaper offer for the same loan amount and term is obtained within 4 weeks of concluding the loan | 9.4/10 |
| APR: 3.69% to 14.4% | Loan amount: €1,000 to €65,000 | ReviewCompareSee alternatives |
| 10 |  SWK Bank | 9.4/10 |
| APR: 5.29% to 12.99% | Loan amount: €7,500 to €100,000 | ReviewCompareSee alternatives |
Licensed in Germany
- DKB (Deutsche Kreditbank)
- European Central Bank (supervisory authority for authorisation)
- DKB (Deutsche Kreditbank)
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin, consumer protection)
- Postbank
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Postbank
- Europäische Zentralbank (EZB)
- CHECK24
- IHK fuer Muenchen und Oberbayern
- FINANZCHECK.de
- Freie und Hansestadt Hamburg, Bezirksamt Hamburg-Mitte (Darlehensvermittler, Paragraf 34c Abs. 1 Nr. 2 GewO)
- FINANZCHECK.de
- Handelskammer Hamburg (Immobiliardarlehensvermittler, Paragraf 34i Abs. 1 S. 1 GewO)
- 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)
- ING Germany
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- norisbank
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- norisbank
- Europaeische Zentralbank (EZB)
- SWK Bank
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- easybank
- Europäische Zentralbank (EZB/ECB)
- Consors Finanz
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- Consors Finanz
- Europaeische Zentralbank (EZB)
- Consors Finanz
- Registergericht Muenchen (Handelsregister)
- 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)
- Verivox
- Gewerbeamt der Stadt Heidelberg
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