Updated September 30, 2026 · BorrowCue Editorial Team
Top home equity loans and HELOCs compared in Germany
14 lenders available in Germany, ranked for Germany.
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| # | Lender | Score | Features | Key facts | Actions |
|---|---|---|---|---|---|
| 1 |  CommerzbankTop pick Automatic individual rate advantage on Ratenkredit for free use concluded online or in the app: 0.01% to 0.6% p.a. lower rate | 9.4/10 |
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| 2 |  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 |
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| 3 |  Upstart Mortgage Home Equity Line of Credit | 9.3/10 |
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| 4 |  Consors Finanz | 9.2/10 |
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| 5 | Geld.nl EUR 20 bol gift card when you take out car insurance via Geld.nl | 9.1/10 |
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| 6 |  Nordea Critical illness insurance and life insurance at 50% off: 50% discount for the first six months | 9.1/10 |
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| 7 |  Kredit.de | 9.0/10 |
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| 8 | EZLendr | 8.9/10 |
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| 9 | Aven | Not rated |
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| 10 |  Credible | Not rated |
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Licensed in Germany
- Commerzbank
- Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin)
- Commerzbank
- Europaische Zentralbank (ECB)
- ING Germany
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- Consors Finanz
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- Consors Finanz
- Europaeische Zentralbank (EZB)
- Consors Finanz
- Registergericht Muenchen (Handelsregister)
- Geld.nl
- DE_BAFIN
- Nordea
- 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)
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- Personal loans in Germany
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- Lines of credit in Germany
- Secured loans in Germany
- Mortgages in Germany
- Remortgage deals in Germany
- Car loans in Germany
- Business loans in Germany
- Private student loans in Germany
- Home improvement loans in Germany
- Cash advance apps in Germany
- Buy now, pay later in Germany
- Equity release in Germany
- Debt relief in Germany