Bon-Kredit review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Bon-Kredit is a Swiss broker that fits borrowers with a poor credit record who want a fixed-rate personal, car or debt consolidation loan rather than a deal from a named lender.

Key facts

Best for
A fixed-rate personal, car or consolidation loan for a poor credit record, arranged by a broker and funded fast.
APR
2.79% to 15.99% (Source, checked September 26, 2026)
Loan amount
€1,000 to €100,000 (Source, checked September 26, 2026)
Term
12 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR - no upfront costs for the credit application (Source, checked September 26, 2026)
Funding time
Sofortkredit disbursed within 24 hours (Source, checked September 26, 2026)
Representative example
Sollzinssatz 7,98% fest, Effektiver Jahreszins 8,29%, Nettokreditbetrag 10.000 EUR, Vertragslaufzeit 72 Monate, Monatliche Rate 175,29 EUR (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Loan types
Personal, Car, Debt-consolidation (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Master Media Group AG (Source, checked September 26, 2026)
Headquarters
Switzerland (Source, checked September 26, 2026)
Founded
1972 (Source, checked September 26, 2026)
Support channels
Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
bon-kredit.de

Mortgages

Initial rate
7.98% (Source, checked September 26, 2026)
APRC
8.29% (Source, checked September 26, 2026)
Fixed period
6 years (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
Master Media Group AG (Source, checked September 26, 2026)
Headquarters
Switzerland (Source, checked September 26, 2026)
Founded
1972 (Source, checked September 26, 2026)
Support channels
Help-centre (Source, checked September 26, 2026)

Pros and cons

Pros

  • Rates run 2.79% to 15.99%, which sits below the site median of 12% for personal loans.
  • Borrowing runs €1,000 to €100,000 over terms of 12 to 120, with fixed rate pricing throughout.
  • Same day funding is a listed feature, a capability shared by 82.9% of the lenders on the site.
  • Open to a poor credit record, the credit band that covers 45.1% of the lenders compared here.

Cons

  • Support runs on help centre only, with no phone line or email contact listed.
  • Bon-Kredit is a broker rather than a lender, so the rate you are offered is set by whichever partner responds.
  • The top of 2.79% to 15.99% runs well above the site median of 12%, and fixed is the only rate type on the list.
Bon-Kredit

Ready to try Bon-Kredit?

Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Borrowers with a poor credit record, the credit band that covers 45.1% of lenders here.
  • Car buyers and anyone consolidating debts, since lending spans personal, car and debt consolidation loans.
  • Swiss property buyers, where the stated purpose is purchase and the product fee is €0.

Who should look elsewhere

  • Anyone wanting a set rate from a named lender: Monzo Flex publishes its own APR of 10% to 23%.
  • Readers priced out by 2.79% to 15.99%: Cashspace ES lists an APR of 0%, a cost level the range does not reach.

How Bon-Kredit compares

Where Bon-Kredit is available

Available
Germany, Switzerland
Licence in Switzerland
Amt fuer Wirtschaft und Arbeit, Frauenfeld, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does Bon-Kredit cost to borrow?+

Loans are priced at rates of 2.79% to 15.99%, and the property product is shown at an initial rate of 7.98% with an annual percentage rate of 8.29%. The credit application carries 0 EUR - no upfront costs for the credit application, and the property product fee is €0.

How much can I borrow, and for how long?+

Loan amounts run €1,000 to €100,000, which puts it well above the site median of €876.96. Terms run 12 to 120, so you can spread a larger balance over a longer period, or keep the repayment period short for a smaller one.

Will I get a loan with a poor credit record?+

Bon-Kredit is matched to a poor credit record, and the site counts 45.1% of its lenders in the same band. It works as a broker, so an application goes to a lender willing to take that credit profile, and the rate depends on that lender.

How quickly is the money paid out?+

Same day funding is listed among its features, and the immediate loan is disbursed Sofortkredit disbursed within 24 hours. That applies to the instant credit product, while personal, car and debt consolidation loans follow the same fixed rate approach on terms of 12 to 120.

Who regulates Bon-Kredit, and where is it based?+

Bon-Kredit is based in Switzerland, listed under CH, and the legal entity behind it is Master Media Group AG. The regulator named for it is Amt fuer Wirtschaft und Arbeit, Frauenfeld, and it has been operating since 1972.

Does Bon-Kredit lend for a property purchase?+

Property purchase is the stated purpose of the property product, listed as purchase. The initial rate is 7.98% and the annual percentage rate is 8.29%, the rate stays fixed for 6, and the product fee is €0.

How do I get help once I have applied?+

Support runs through a help centre, which is the only channel listed. There is no phone line or live chat on offer, so questions about a pending application go through written help material rather than a direct conversation.

What does a typical repayment look like?+

The representative example sets out a fixed nominal rate, the effective annual rate, the net amount borrowed, the contract term and the monthly instalment, all in euros, and it matches the fixed rate lending on offer.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Bon-Kredit

Bon-Kredit

A fixed-rate personal, car or consolidation loan for a poor credit record, arranged by a broker and funded fast.

9.2/10See alternatives

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