Capitalo review

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

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Our verdict

Capitalo is a German loan marketplace that puts bank offers side by side, so it suits borrowers who prefer comparing lenders over a single provider. Rates run 0.68% to 19.99% over terms of 6 to 120, and arranging costs 0 EUR (no fee charged to the customer).

Key facts

Best for
Comparing German bank loan offers with no origination fee and a light credit check.
APR
0.68% to 19.99% (Source, checked September 26, 2026)
Loan amount
€1,000 to €100,000 (Source, checked September 26, 2026)
Term
6 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (no fee charged to the customer) (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
0-3 business days (some lenders pay out the same day) (Source, checked September 26, 2026)
Representative example
DKB Privatkredit: 15,000 EUR over 120 months at 6.79% effective annual rate, 171.04 EUR per month, total 20,523.61 EUR (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Minimum age 18, main residence in Germany, German bank account (IBAN), regular income from employment, civil service or pension (Source, checked September 26, 2026)
Loan types
Personal, Car, Debt-consolidation, Business, Student (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Capitalo Finanzservices GmbH (Amtsgericht Koblenz, HRB 31021) (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
capitalo.de

Mortgages

Initial rate
4.06% (Source, checked September 26, 2026)
APRC
4.06% (Source, checked September 26, 2026)
Fixed period
10 years (Source, checked September 26, 2026)
Maximum loan to value
100% (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Legal entity
Capitalo Finanzservices GmbH (Amtsgericht Koblenz, HRB 31021) (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
WikidataLinkedInxing.comfacebook.com

Pros and cons

Pros

  • Loan types span personal, car and debt consolidation, so car, consolidation, business and student needs sit in one search.
  • Fees of 0 EUR (no fee charged to the customer) for the customer, and a €0 product fee on the building finance side.
  • Funding takes 0-3 business days (some lenders pay out the same day), with same day funding on the feature list, and free early repayment is available.

Cons

  • The credit check is soft prequal, so a full file check by the bank can still follow an application.
  • A fair credit level is expected, so thinner files may not reach the offers at all.
  • Lending is fixed and fixed rate, so there is no variable rate to move to if rates fall.
Capitalo

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Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Borrowers resident in Germany with a German bank account and regular income who meet a fair credit level.
  • Anyone shopping instalment loans of €1,000 to €100,000 and content to let a bank make the final decision.

Who should look elsewhere

  • Not for borrowers who want a single lender's rate set in advance: Monzo Flex publishes its own range of 10% to 23%, while on Capitalo the rate depends on which bank answers.
  • Not for shoppers chasing the smallest headline number: Cashspace ES lists 0%, set against the 0.68% to 19.99% range the banks on Capitalo produce.

Safety and regulation

Capitalo runs as a marketplace, so the contract and the money sit with a bank rather than with the site. Permissions are listed as D-UGAT-G3WAR-66 and D-F-152-DPJW-16. The representative example shown is a DKB Privatkredit instalment loan with a set monthly payment and a stated total repaid.

Who runs it

The site is run by Capitalo Finanzservices GmbH, entered in the register in Koblenz, with its headquarters in DE and a founding year of 2014. Support runs on email, chat and phone, so help is available by email, chat and phone. The permission entries above cover the intermediary side of the business.

How Capitalo compares

Where Capitalo is available

Available
Austria, Germany, Switzerland
Licence in Germany
IHK Koblenz (Section 34d(1) GewO insurance representative) (D-UGAT-G3WAR-66), checked September 26, 2026
Licence in Germany
Verwaltung Mayen-Koblenz / Stadtverwaltung Bendorf (Section 34f(1) GewO financial investment intermediary) (D-F-152-DPJW-16), checked September 26, 2026

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

Frequently asked questions

What does Capitalo charge for arranging a loan?+

Capitalo charges the customer nothing for the arrangement. The origination fee is listed as 0 EUR (no fee charged to the customer), and the product fee on the building finance side as €0. What a borrower repays is the interest and instalments set by the bank that makes the offer.

How much can I borrow and over what term?+

Instalment loans cover €1,000 to €100,000 with terms of 6 to 120 and rates of 0.68% to 19.99%. The lending is fixed rate, so the monthly instalment is fixed at the start and does not move with market rates later on.

Will applying leave a mark on my credit file?+

The check on file is soft prequal, a light look rather than a full assessment, and the stated credit level is fair. The bank that receives the application still makes the final decision, and it can ask for a full check.

How quickly does the money arrive?+

Funding takes 0-3 business days (some lenders pay out the same day), and same day funding appears among the features. The pace in practice depends on which lender takes the application, since Capitalo is a marketplace rather than the lender itself.

Can I repay a loan early without a charge?+

Yes. Free early repayment is available, so settling an instalment loan ahead of schedule carries no charge. On fixed lending that matters, because the term otherwise runs to 6 to 120 and clearing it sooner is a plain saving.

Who runs Capitalo and where is it based?+

The operator is Capitalo Finanzservices GmbH, entered in the register in Koblenz, with its headquarters in DE and a founding year of 2014. Permissions are listed as D-UGAT-G3WAR-66 and D-F-152-DPJW-16.

What do I need to qualify for a loan?+

Applicants need a minimum age, main residence in Germany, a German bank account and regular income from employment, the civil service or a pension. A fair credit level is expected, and home improvement is the stated use case.

Does Capitalo lend for cars, debt consolidation and study too?+

Yes. The loan types listed are personal, car and debt consolidation, and the use case given is home improvement. Borrowing for a car, to consolidate debts or for study therefore runs on the same fixed terms as a general instalment loan, at rates of 0.68% to 19.99%.

Is there home finance as well as instalment loans?+

Yes, building finance is listed with an initial rate of 4.06%, a fixed period of 10 and a maximum loan to value of 100%, aimed at purchase and remortgage. The product fee on that side is €0.

Sources

  • capitalo.de checked September 26, 2026

    Backs: Arrangement fee

    “Yes, all comparisons and information on Capitalo are completely free for you”

  • capitalo.de/anbieter/smava/produkte/ratenkredit checked September 26, 2026

    Backs: Credit needed, Eligibility, Rate type

    “The entry rate from 0.68% effective applies to borrowers with first-class creditworthiness; the representative two-thirds rate is 8.70%”

  • capitalo.de/baufinanzierung checked September 26, 2026

    Backs: Initial rate, APRC, Fixed period, Maximum loan to value, Product fee, Purpose

    “bis 50 bis 60 % | 4,06 % | Beste am Markt erreichbare Effektivzinsen nach Beleihungsauslauf, 10 Jahre Zinsbindung, Stand 11.09.2026”

  • capitalo.de/erstinformation checked September 26, 2026

    Backs: Support channels

    “We offer you advice by phone, e-mail or chat”

  • capitalo.de/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

    “Zeisigweg 2A, 56170 Bendorf, Deutschland”

  • capitalo.de/kredit checked September 26, 2026

    Backs: APR

    “In our credit comparison the effective annual rates range from 0.68% to 19.99%”

  • capitalo.de/kredit/ratenkredit checked September 26, 2026

    Backs: Loan amount, Free early repayment, Funding time, Pricing model, Term, Use cases

    “Typical loan amounts are between 1,000 and 100,000 EUR”

  • capitalo.de/kredit/vergleich checked September 26, 2026

    Backs: Credit check, Features, Representative example

    “The Capitalo credit comparison uses only condition requests (Konditionsanfragen), which have no effect on your SCHUFA score”

  • capitalo.de/unternehmen checked September 26, 2026

    Backs: Founded, Lender type, Loan types

    “Capitalo Finanzservices GmbH is an independent financial comparison portal based in Bendorf (DE), founded in 2014 in Austria and active in Germany since 2017”

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Capitalo

Capitalo

Comparing German bank loan offers with no origination fee and a light credit check.

8.9/10See alternatives

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