CHECK24 review

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

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Our verdict

CHECK24 suits German borrowers who would rather a broker shop fixed-rate loans for them. Personal loans and debt consolidation run 0.68% to 19.92%, with an origination fee of 0 EUR and terms of 12 to 240, while the home finance listings show an initial rate of 3.43%.

Key facts

Best for
Comparing fixed-rate German personal loans and home finance through a licensed broker.
APR
0.68% to 19.92% (Source, checked September 26, 2026)
Loan amount
€500 to €150,000 (Source, checked September 26, 2026)
Term
12 to 240 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
as little as 3 minutes at some banks, same day (Source, checked September 26, 2026)
Representative example
Ratenkredit: net loan amount 20,000 EUR, 7 years (84 months), 5.39% effective annual rate, 5.26% fixed nominal rate p.a., monthly instalment 285.14 EUR, total amount 23,951.75 EUR, Openbank Deutschland AG (BestCredit) (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
CHECK24 Vergleichsportal Finanzen GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1999 (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
check24.de

Mortgages

Initial rate
3.43% (Source, checked September 26, 2026)
APRC
3.5% (Source, checked September 26, 2026)
Fixed period
10 years (Source, checked September 26, 2026)
Maximum loan to value
66% (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
CHECK24 Vergleichsportal Finanzen GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1999 (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaTrustpilotyoutube.com

Pros and cons

Pros

  • Origination fee of 0 EUR on personal loans, so an indicative quote does not cost you anything.
  • Amounts run €500 to €150,000 with terms of 12 to 240, so a small bill and a larger project can both be spread.
  • A soft prequalification check, soft prequal, shows indicative rates before any full credit check.
  • Free early repayment, so settling sooner brings no extra cost.

Cons

  • The credit check listed is a soft prequalification, soft prequal, so a full check can still follow and the bank sets the final rate.
  • Loan types stop at personal and debt consolidation and the maximum loan to value is 66%, so borrowers with little equity have less room on the home finance side.
  • As a broker, broker, the offer comes from a partner bank, so the rate you end up with is that bank's rather than the site's.
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Who it suits

  • German borrowers who would rather a broker compare personal loans and debt consolidation loans than apply bank by bank.
  • Anyone planning a purchase or remortgage, since the home finance listings show an initial rate of 3.43% and a fixed period of 10.
  • Home improvement borrowers, since home improvement is the listed use case, home improvement.

Who should look elsewhere

  • Monzo Flex, if you want one provider from first quote to final, since its rates run 10% to 23% with no broker in the middle.
  • Cashspace, whose listed rates are PHP 12 to PHP 36 and sit in a different market from German fixed-rate loans.
  • Cashspace ES, which shows a rate of 0% rather than the German range of 0.68% to 19.92%.

Safety and regulation

CHECK24 is a broker, broker, so the contract is with a partner bank rather than with the comparison site itself. The listed representative example is an instalment loan from Openbank Deutschland AG at a fixed nominal rate, repaid with a monthly instalment, and the site also holds a licence from the IHK fuer Muenchen und Oberbayern, D-W-155-8YX4-05.

Who runs it

CHECK24 is operated by CHECK24 Vergleichsportal Finanzen GmbH, which sits in DE and was founded in 1999. The site also lists a licence from the IHK fuer Muenchen und Oberbayern, D-W-155-8YX4-05. Support runs on phone, email and chat, so a phone line, email, chat and a help centre are all available.

How CHECK24 compares

Where CHECK24 is available

Available
Austria, Germany, Spain
Licence in Germany
IHK fuer Muenchen und Oberbayern (D-W-155-8YX4-05), checked September 26, 2026

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

Frequently asked questions

What does it cost to take a loan through CHECK24?+

On personal loans the origination fee is 0 EUR, and the rates quoted by partner banks run 0.68% to 19.92%, a wide spread because each bank prices risk differently. Instalment loans sit on a fixed rate, fixed, so the monthly figure holds for the term. Read the representative example before you sign.

Will applying damage my credit file?+

The credit check listed is a soft prequalification, soft prequal, which shows indicative rates before you commit to anything. A full check can still be required by the bank that makes the final offer, so treat the first figures as a guide rather than a deal.

How much can I borrow and over what term?+

Personal loan amounts run €500 to €150,000 and terms run 12 to 240, so a small repair bill and a larger renovation can both be spread. The model is a fixed-rate instalment loan, fixed rate, and early repayment is free, so you can settle sooner if your budget allows.

Is CHECK24 regulated?+

The site lists a licence from the IHK fuer Muenchen und Oberbayern, D-W-155-8YX4-05, and it works as a broker, broker. Because of that broker role the loan agreement is with a partner bank, so read the bank's own terms before you accept an offer.

Can I get a mortgage or remortgage here?+

The home finance listings cover purchase and remortgage, purchase and remortgage, with an initial rate of 3.43%, an overall rate of 3.5% and a fixed period of 10. The maximum loan to value is 66%, so a sizeable deposit is needed to reach the top of that range.

What kinds of loan does the site cover?+

The listed loan types are personal and debt consolidation, with home improvement as the named use case, home improvement. The model is a fixed-rate instalment loan, fixed rate, so repayments stay level rather than moving with a base rate, and the rate type is fixed, fixed.

How do I reach CHECK24 about an application?+

Support runs on phone, email and chat, so a phone line, email, chat and a help centre are all listed. The company behind the site is CHECK24 Vergleichsportal Finanzen GmbH, based in Germany and founded in 1999, which helps when an application sits with a partner bank and you need to know who to contact.

Sources

  • kredit.check24.de checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Features, Funding time, Legal entity, Loan types, Pricing model, Rate type, Representative example, Term, Use cases

    “Zinssaetze: min. 0,68% bis max. 19,92% eff. Jahreszins”

  • check24.de checked September 26, 2026

    Backs: Arrangement fee

  • check24.de/baufinanzierung checked September 26, 2026

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

    “Günstigster Anbieter: 3,43 % Sollzinssatz p.a., 3,50 % eff. Jahreszins, 2,00 % Tilgung”

  • check24.de/unternehmen/impressum checked September 26, 2026

    Backs: Headquarters, Lender type, Licences

  • check24.de/unternehmen/kontakt checked September 26, 2026

    Backs: Support channels

    “Chat starten; E-Mail schreiben; Rueckruf anfordern”

  • check24.de/unternehmen/ueber-uns checked September 26, 2026

    Backs: Founded, Free early repayment

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

CHECK24

CHECK24

Comparing fixed-rate German personal loans and home finance through a licensed broker.

9.1/10Visit

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