Updated October 12, 2026 · BorrowCue Editorial Team
Credino vs DKB (Deutsche Kreditbank)
Facts checked September 26, 2026.
What sets them apart
| Compare |  Credino |  DKB (Deutsche Kreditbank) |
|---|---|---|
| APR | 81% | 6.99%Lower |
| Loan amount | DKK 1,000 to DKK 500,000 | €2,500 to €100,000 |
| Term | 12 months | 12 to 120 monthsHigher |
| Funding time | First offers selected in about 2 minutes | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days |
| Representative example | Borrowing EUR 1,000 repaid in 12 monthly instalments of EUR 113, total EUR 1,342.22, 5% fixed interest rate, 81% APR (TAE) | Nettodarlehensbetrag 15.000 Euro, Laufzeit 120 Monate, effektiver Jahreszins 6,99 % p. a., mtl. Rate 172,43 Euro, Gesamtbetrag 20.691,92 Euro |
| Lender type | Marketplace | Direct lender |
| Eligibility | Danish online lenders only; a minimum age of 23 may apply depending on the provider | Of age and main residence in Germany; not self-employed or freelance; in permanent employment or on an indefinite pension; German mobile number and online-banking access to the salary account |
| Loan types | Car | Personal, Car, Debt consolidationCovers more |
| Arrangement fee | 0 EUR | Not confirmed |
| Credit check | Not confirmed | Soft prequal |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Poor | Not confirmed |
Same on both: Rate type (Fixed), Use cases (Home improvement).
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Key differences
- APR is lower at DKB (Deutsche Kreditbank): 6.99% vs 81%.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 12 months.
- Loan types: only DKB (Deutsche Kreditbank) offers Personal, Debt consolidation.
Our verdict on each
Credino
Credino suits borrowers with poor credit who want to compare car or home improvement offers through a marketplace rather than applying to a direct lender. Its pricing centres on APR of 81% with origination fees of 0 EUR, so check the published example carefully before you proceed.
DKB (Deutsche Kreditbank)
DKB provides direct lending instead of passing applications between intermediaries, which keeps responsibility with one provider. It covers personal, car and consolidation borrowing for purchase, remortgage and home improvement, with soft prequalification and support across phone, chat, email and help centre.
Score breakdown
| Area | Credino | DKB (Deutsche Kreditbank) |
|---|---|---|
| Cost | 8.2Cost reflects APR of 81% with fees of 0 EUR | Not confirmed |
| Offer | 8.4Offer reflects marketplace reach across car for planned spend | 9.4Higher |
| Trust | 8.1Trust reflects marketplace model via marketplace with email help | 9.2Higher |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
Credino
4,907.57
4,907.57
DKB (Deutsche Kreditbank)
382.66
382.66
DKB (Deutsche Kreditbank) comes out 4,524.91 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Availability and regulation
| Country | Credino | DKB (Deutsche Kreditbank) |
|---|---|---|
| Germany | Not confirmed |
Additional countries for Credino: 1. Additional countries for DKB (Deutsche Kreditbank): 1.
If neither fits
Prestamiau ES has apr at 0% to 36%, against 81% for Credino and 6.99% for DKB (Deutsche Kreditbank).
Prestamiau ES reviewWhat we checked
Credino
- credino.es: 8 facts, checked September 26, 2026
- credino.dk: 5 facts, checked September 26, 2026
DKB (Deutsche Kreditbank)
- dkb.de: 17 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
How they place
| Ranking | Credino | DKB (Deutsche Kreditbank) |
|---|---|---|
| Car loans | 15 of 432 | 5 of 432 |
| Home improvement loans | 25 of 562 | 7 of 562 |
Every fact side by side
| Fact | Credino | DKB (Deutsche Kreditbank) |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | Deutsche Kreditbank Aktiengesellschaft |
| Headquarters | Not confirmed | Germany |
| Founded | Not confirmed | 1990 |
| Support channels | Not confirmed | Phone, Chat, Help centre, Email |
Where each stands against the rest
| Fact | Credino | DKB (Deutsche Kreditbank) | Median |
|---|---|---|---|
| APR | 81%highest quarter | 6.99%below the median | 8.99% |
| Term | 12 monthslowest quarter | 12 to 120 monthshighest quarter | 60 months |
Median across 1007 listed lenders.
Pros and cons
Credino
Pros
- Marketplace model via marketplace lets you review varied partner offers in a single search
- Origination fees run 0 EUR so setup adds no separate charge beyond interest
- Car coverage via car suits vehicle shoppers comparing providers
Cons
- Pricing centres on APR of 81% which can make total repayment heavy for tight budgets
- Repayment window sits at 12 which limits flexibility if you hoped to spread costs
- Support runs on email only which may frustrate you if you prefer phone help
DKB (Deutsche Kreditbank)
Pros
- Direct lender setup keeps application and servicing with one provider
- Covers purchase, remortgage and home improvement across varied personal needs
- Offers soft prequalification alongside phone, chat, email and help centre support
Cons
- Excludes self employed and freelance applicants, focusing on permanent employment or pension
- Requires a mobile number plus online banking access to the salary account
Who each suits
Credino
Who it suits
- Borrowers with poor credit comparing marketplace offers for car or renovation spend
- Shoppers who value prompt shortlisting described as First offers selected in about 2 minutes before detailed checks
- Borrowers comfortable managing help by email while comparing lenders
Who should look elsewhere
- Borrowers chasing lower headline APR who may prefer Ibancar Prestamos because its listed APR differs from 81%
- Borrowers wanting card style revolving credit who may prefer AXI Card Tarjeta y Credito for its card structure
- Borrowers wanting longer schedules who may avoid Credino because duration sits at 12
DKB (Deutsche Kreditbank)
Who it suits
- Borrowers seeking purchase, remortgage or home improvement funding
- Employees and pension recipients wanting a direct lending relationship
Who should look elsewhere
- Self employed or freelance borrowers seeking lending
Current offers
DKB (Deutsche Kreditbank)
Current offer
Discount code
Zinsvorteil of 0.15 percentage points when buying an existing property: 0.15 percentage points off the interest rate
Purchase of an existing property; see Zinsvorteil section
Source, checked September 26, 2026
Discount code
Zinsrabatt of 0.1 percentage points for Gruene Baufinanzierung: 0.1 percentage points off the interest rate
Energy-efficient property, green mortgage financing
Source, checked September 26, 2026
Country by country
| Country | Credino | DKB (Deutsche Kreditbank) |
|---|---|---|
| Denmark | Yes | No |
| Germany | No | Yes |
Questions about each
Credino
Is Credino a lender or a comparison service?+
Credino focuses on comparison rather than direct lending, operating as marketplace. You submit details and review partner offers, then continue with the chosen provider under its own terms and checks.
What does borrowing through Credino cost?+
The headline cost is APR of 81% alongside fees of 0 EUR. You should read the published illustration showing monthly instalments and total payable, since interest makes the total exceed the amount borrowed.
DKB (Deutsche Kreditbank)
Who can apply for lending with DKB?+
Applicants need to have reached adulthood and work in permanent employment or receive an indefinite pension. Self employed and freelance work falls outside eligibility. Checks also ask for a local handset contact and digital entry to the account receiving wages.
Which products does DKB cover?+
The range centres on personal borrowing, including car funding and debt consolidation support. Purposes span purchase, remortgage and home improvement needs. Lending is arranged directly, so application and servicing stay with the same provider throughout.
Other options to compare
Other matchups
- Credino vs Oney Préstamos ES
- DKB (Deutsche Kreditbank) vs Sofkredit
- Credino vs Quick Car Finance
- DKB (Deutsche Kreditbank) vs Prestamiau ES
- Credino vs Ibancar Prestamos
- DKB (Deutsche Kreditbank) vs Fidea
- DKB (Deutsche Kreditbank) vs Youmoney
- DKB (Deutsche Kreditbank) vs Fiesta Credito
- DKB (Deutsche Kreditbank) vs Fiesta Credito MX