Updated September 28, 2026 · BorrowCue Editorial Team
CHECK24 vs MoneyHero
CHECK24 vs MoneyHero: the differences
| Compare |  CHECK24 |  MoneyHero |
|---|---|---|
| APR | 0.68% to 19.92%Lower | 1% to 17.81% |
| Loan amount | €500 to €150,000 | HK$100,000 to HK$3,000,000 |
| Arrangement fee | 0 EUR | HKD 0 (comparison service is free of charge; no fee charged to users) |
| Loan types | Personal, Debt consolidation | Personal, Debt consolidation, Credit line, CarCovers more |
| Term | 12 to 240 months | Not confirmed |
| Funding time | as little as 3 minutes at some banks, same day | Not confirmed |
| 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 |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Not confirmed | Hong Kong residents aged 18 or over; products do not apply to persons outside the Hong Kong SAR or minors |
| Credit needed | Not confirmed | Fair |
Same on both: Credit check (Soft prequal), Rate type (Fixed), Lender type (Broker), 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 CHECK24: 1999 vs 2015.
- CHECK24 is available in 2 more countries.
- APR is lower at CHECK24: 0.68% to 19.92% vs 1% to 17.81%.
- Support channels: only CHECK24 offers Phone, Chat.
- Features: only CHECK24 offers Same day funding.
- Features: only MoneyHero offers Credit line.
- Loan types: only MoneyHero offers Credit line, Car.
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%.
MoneyHero
MoneyHero is a Hong Kong comparison broker for residents who want a single fee-free search across personal loans, debt consolidation, credit lines and car finance. Loan amounts run HKD 100,000 to HKD 3,000,000 and APR run 1% to 17.81%, and a soft prequal check sits at the quote stage.
Score breakdown
| Area | CHECK24 | MoneyHero |
|---|---|---|
| Cost | 9.5 | 9.7Higher |
| Offer | 9.3HigherPersonal loan rates run 0.68% to 19.92% and some banks fund the same day, but a partner bank sets the final rate. | 9.1Fixed-rate products start at an initial rate of 1.88% with an APRC of 1.88%, and both remortgage and home equity sit in range. |
| Trust | 8.7Higher | 8.4 |
From lowest to highest
| Fact | CHECK24 | MoneyHero |
|---|---|---|
| APR | 0.68% to 19.92% | 1% to 17.81% |
Where they rank in our lists
| Ranking | CHECK24 | MoneyHero |
|---|---|---|
| Personal loans | 92 of 1932 | 104 of 1932 |
| Debt consolidation loans | 35 of 425 | 40 of 425 |
| Mortgages | 11 of 719 | 13 of 719 |
| Remortgage deals | 10 of 351 | 12 of 351 |
| Home improvement loans | 41 of 562 | 49 of 562 |
Where these facts come from
CHECK24
- kredit.check24.de: 12 facts, checked September 26, 2026
- check24.de: 6 facts, checked September 26, 2026
MoneyHero
- moneyhero.com.hk: 16 facts, checked September 26, 2026
Every fact side by side
| Fact | CHECK24 | MoneyHero |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Credit line |
| Legal entity | CHECK24 Vergleichsportal Finanzen GmbH | MoneyHero Global Limited |
| Headquarters | Germany | Hong Kong |
| Founded | 1999Lower | 2015 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Help centre |
Mortgages
| Fact | CHECK24 | MoneyHero |
|---|---|---|
| Initial rate | 3.43% | 1.88%Lower |
| APRC | 3.5% | 1.88%Lower |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 66% | 80%Higher |
| Product fee | Not confirmed | HK$0 |
| Purpose | Purchase, Remortgage | Home equity, Remortgage |
Where each stands against the rest
| Fact | CHECK24 | MoneyHero | Median |
|---|---|---|---|
| APR | 0.68% to 19.92%lowest quarter | 1% to 17.81%lowest quarter | 8.99 |
| Term | 12 to 240 monthshighest quarter | Not confirmed | 60 |
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.
MoneyHero
Pros
- The comparison service is free of charge and no fee is charged to users, so searching costs nothing.
- Applications run a soft prequal, so an early look does not need a full credit file.
- Loan amounts run HKD 100,000 to HKD 3,000,000, well past the €876.96 typical amount on the site.
Cons
- Support runs on email and help centre only, so questions on a live application have no phone route.
- MoneyHero is a broker, so the approval decision and the final contract sit with the partner bank rather than the site.
- The dearest end of 1% to 17.81% sits above the 12% site median, and the products ask for fair credit.
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%.
MoneyHero
Who it suits
- Hong Kong residents who are adults and want a fee-free search across personal loans, debt consolidation, credit lines and car finance.
- Borrowers who would rather compare partner bank offers once than apply to a single lender.
- Homeowners with equity to release, since the range also covers home equity and remortgage.
Who should look elsewhere
- Borrowers chasing the cheapest headline rate: Cashspace quotes APR of PHP 12 to PHP 36.
- People who want to deal with a single lender instead of a comparison service: Monzo Flex quotes APR of 10% to 23%, while MoneyHero works as a broker.
- Applicants outside the Hong Kong SAR, and minors, since the eligibility terms apply to Hong Kong residents who are adults.
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
MoneyHero
Current offer
Bonus
September tax season thank-you festival, CNCBI $mart Plus instalment loan: HKD 3,300
Apply via MoneyHero during the September tax season campaign; page updated 21 September 2026; subject to terms and conditions
Source, checked September 26, 2026
Country by country
| Country | CHECK24 | MoneyHero |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Hong Kong | 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.
MoneyHero
Does MoneyHero charge an arrangement fee?+
The comparison service is free of charge and no fee is charged to users, so nothing is payable for the search itself. On the home equity and remortgage products, the product fee is listed as HKD 0.
Is MoneyHero a lender?+
MoneyHero is a broker, run by MoneyHero Global Limited. That means the site places offers from several partner banks next to each other, and the bank you apply to is the one that decides the rate, the approval and the contract.
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