Updated September 28, 2026 · BorrowCue Editorial Team
CHECK24 vs ICICI Bank Credit Cards
What sets them apart
| Compare |  CHECK24 |  ICICI Bank Credit Cards |
|---|---|---|
| APR | 0.68% to 19.92%Lower | 9.99% to 16.5% |
| Loan amount | €500 to €150,000 | ₹50,000 to ₹5,000,000 |
| Term | 12 to 240 monthsHigher | 12 to 72 months |
| Arrangement fee | 0 EUR | Up to 2% of loan amount plus taxes (Personal Loan processing charge) |
| Credit check | Soft prequal | Hard |
| Funding time | as little as 3 minutes at some banks, same day | Instant disbursement |
| Lender type | Broker | Direct lender |
| Free early repayment | YesHas it | No |
| 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) | Not confirmed |
| Eligibility | Not confirmed | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees |
| Origination fee (%) | Not confirmed | 2% |
| Credit needed | Not confirmed | Good |
Same on both: Rate type (Fixed), Loan types (Personal, Debt consolidation), Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- CHECK24 scores higher overall: 9.1 vs 9.0.
- Founded is lower at ICICI Bank Credit Cards: 1994 vs 1999.
- CHECK24 is available in 2 more countries.
- APR is lower at CHECK24: 0.68% to 19.92% vs 9.99% to 16.5%.
- Free early repayment: only CHECK24.
- Term is higher at CHECK24: 12 to 240 months vs 12 to 72 months.
Our verdict on each
CHECK24
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%.
ICICI Bank Credit Cards
ICICI Bank lends directly at 9.99% to 16.5% for personal loans and debt consolidation, with funding time of Instant disbursement. It suits salaried Indian borrowers with a good credit record who want fixed rates and quick money. The processing charge adds to the total, and early repayment carries a fee.
Score breakdown
| Area | CHECK24 | ICICI Bank Credit Cards |
|---|---|---|
| Cost | 9.5Higher | 8.5Personal loan interest runs 9.99% to 16.5% with a processing charge of 2% of the amount, and free early repayment: no. |
| Offer | 9.3Personal loan rates run 0.68% to 19.92% and some banks fund the same day, but a partner bank sets the final rate. | 9.3 |
| Trust | 8.7 | 9.3Higher |
How they place
| Ranking | CHECK24 | ICICI Bank Credit Cards |
|---|---|---|
| Personal loans | 92 of 1943 | 106 of 1943 |
| Debt consolidation loans | 35 of 425 | 42 of 425 |
| Mortgages | 11 of 719 | 14 of 719 |
| Remortgage deals | 10 of 351 | 13 of 351 |
| Home improvement loans | 41 of 562 | 51 of 562 |
Ranges side by side
| Fact | CHECK24 | ICICI Bank Credit Cards |
|---|---|---|
| APR | 0.68% to 19.92% | 9.99% to 16.5% |
| Term | 12 to 240 months | 12 to 72 months |
Every fact side by side
| Fact | CHECK24 | ICICI Bank Credit Cards |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | CHECK24 Vergleichsportal Finanzen GmbH | ICICI Bank Limited |
| Headquarters | Germany | India |
| Founded | 1999 | 1994Lower |
| Support channels | Phone, Email, Chat, Help centre | Phone, Email, Chat, Help centre |
Mortgages
| Fact | CHECK24 | ICICI Bank Credit Cards |
|---|---|---|
| Initial rate | 3.43%Lower | 7.55% |
| APRC | 3.5% | Not confirmed |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 66% | 80% to 90%Higher |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | CHECK24 | ICICI Bank Credit Cards | Median |
|---|---|---|---|
| APR | 0.68% to 19.92%lowest quarter | 9.99% to 16.5%above the median | 8.99 |
| Term | 12 to 240 monthshighest quarter | 12 to 72 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 2%above the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
CHECK24
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.
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.
ICICI Bank Credit Cards
Pros
- Direct lender, so 9.99% to 16.5% is the rate you are offered rather than a broker mark-up
- Funding time is listed as Instant disbursement
- Fixed rate pricing on fixed rate loans, so repayments stay predictable
Cons
- Free early repayment: no, so settling the loan early carries a cost
- A processing charge of 2% of the loan amount plus taxes adds to the total
- Credit check: hard, and the lender asks for a good credit record
Who each suits
CHECK24
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%.
ICICI Bank Credit Cards
Who it suits
- Salaried Indian citizens who meet the income requirement for a personal loan
- Borrowers consolidating debt into one fixed-rate repayment
- People who need the money quickly and value Instant disbursement over extra shopping
Who should look elsewhere
- Anyone wanting to clear a personal loan early without paying for it, since free early repayment: no
- Borrowers with a thin credit file, as the credit check is hard
- Shoppers who want a fee-free loan, given a processing charge of 2% plus taxes
Current offers
CHECK24
Current offer
Bonus
Trikot-Deal bis 01.10. sichern: free jersey plus up to 400 EUR Smily cashback
on successful conclusion of a loan with selected banks by 01.10.; cashback depends on Smily level and loan amount
Source, checked September 26, 2026
ICICI Bank Credit Cards
Current offer
Bonus
Sapphiro Credit Card welcome vouchers with BookMyShow buy one get one offer
Sapphiro Credit Card only; includes international and domestic airport lounge access
Source, checked September 26, 2026
Country by country
| Country | CHECK24 | ICICI Bank Credit Cards |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| India | No | Yes |
| Spain | Yes | No |
Questions about each
CHECK24
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.
ICICI Bank Credit Cards
What rate will I pay on a personal loan?+
Interest runs at 9.99% to 16.5% for a personal loan or a debt consolidation loan. The rate type is fixed, so the figure holds for the life of the loan. Your actual rate depends on how the lender assesses you.
Is there an arrangement fee?+
Yes. A processing charge of 2% of the loan amount applies, plus taxes. That sits on top of the interest at 9.99% to 16.5%, so ask for the full cost before you commit.