Updated October 12, 2026 · BorrowCue Editorial Team
Credityes vs DKB (Deutsche Kreditbank)
Facts checked September 26, 2026.
What sets them apart
| Compare |  Credityes |  DKB (Deutsche Kreditbank) |
|---|---|---|
| APR | 0% to 48%Lower | 6.99% |
| Loan amount | ₱1,000 to ₱25,000 | €2,500 to €100,000 |
| Term | 2 to 36 months | 12 to 120 monthsHigher |
| Funding time | A few minutes after confirmation | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days |
| Representative example | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% | 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 | Broker | Direct lender |
| Eligibility | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document | 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 | Personal | Personal, Car, Debt consolidationCovers more |
| Arrangement fee | 0 PHP | Not confirmed |
| Credit check | Not confirmed | Soft prequal |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
Same on both: Use cases (Home improvement).
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Key differences
- APR is lower at Credityes: 0% to 48% vs 6.99%.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 2 to 36 months.
- Support channels: only DKB (Deutsche Kreditbank) offers Phone, Chat.
- Loan types: only DKB (Deutsche Kreditbank) offers Car, Debt consolidation.
Our verdict on each
Credityes
Credityes suits borrowers in the Philippines who want a small personal loan for home improvement and need the money quickly. Its origination fee is 0 PHP, but the APR runs to 0% to 48%, so the total cost is the trade-off to weigh.
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 | Credityes | DKB (Deutsche Kreditbank) |
|---|---|---|
| Cost | 9.9 | Not confirmed |
| Offer | 8.3APR 0% to 48% with an origination fee of 0 PHP and funding in A few minutes after confirmation. | 9.4Higher |
| Trust | 8.3 | 9.2Higher |
Pick Credityes if, pick DKB (Deutsche Kreditbank) if
Pick Credityes if apr matter most.
Pick DKB (Deutsche Kreditbank) if offer, trust, term, and loan types matter most.
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
Credityes
0 to 9,039.28
0 to 9,039.28
DKB (Deutsche Kreditbank)
1,114.11
1,114.11
Credityes comes out 1,114.11 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.
From lowest to highest
| Fact | Credityes | DKB (Deutsche Kreditbank) |
|---|---|---|
| Term | 2 to 36 months | 12 to 120 months |
How they place
| Ranking | Credityes | DKB (Deutsche Kreditbank) |
|---|---|---|
| Personal loans | 8 of 1944 | 16 of 1944 |
| Home improvement loans | 5 of 562 | 7 of 562 |
Every fact side by side
| Fact | Credityes | DKB (Deutsche Kreditbank) |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | SIA DOAFF (reg. No. 40203426084) | Deutsche Kreditbank Aktiengesellschaft |
| Headquarters | Latvia | Germany |
| Founded | Not confirmed | 1990 |
| Support channels | Email, Help centre | Phone, Chat, Help centre, EmailCovers more |
Where each stands against the rest
| Fact | Credityes | DKB (Deutsche Kreditbank) | Median |
|---|---|---|---|
| APR | 0% to 48%lowest quarter | 6.99%below the median | 8.99 |
| Term | 2 to 36 monthsbelow the median | 12 to 120 monthshighest quarter | 60 |
Median across 1007 listed lenders.
Pros and cons
Credityes
Pros
- The origination fee is 0 PHP, so there is no separate arrangement charge on top of the interest
- Loan amounts run PHP 1,000 to PHP 25,000, which suits a planned repair rather than a large renovation
- Terms of 2 to 36 let a borrower spread a home improvement bill rather than repay it at once
Cons
- The APR reaches 0% to 48%, well above the site median of 12% for personal loans
- Debt consolidation and credit lines are not among its loan types, which are personal
- A phone line is not among its support channels, which run email and help centre
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
Credityes
Who it suits
- Borrowers in the Philippines funding a home improvement job worth up to PHP 1,000 to PHP 25,000
- Adults with a personal bank account, a phone number, an email address and valid ID who need cash in A few minutes after confirmation
- People who want a personal loan with an origination fee of 0 PHP rather than an arrangement fee
Who should look elsewhere
- Anyone wanting a long fixed repayment period, since terms stop at 2 to 36 while the site median is 36 months
- Borrowers who need a phone line, because a phone line is not among its support channels, email and help centre
- Readers looking for a low rate, since 0% to 48% sits far above the personal loan median of 12.25%
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
Credityes
Current offer
First period offer
First loan with APR starting from 0%: APR starting from 0% on the first loan
Offer depends on the partner lending institution selected; final cost set by the entity that enters the contract
Source, checked September 26, 2026
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 | Credityes | DKB (Deutsche Kreditbank) |
|---|---|---|
| Germany | No | Yes |
| Philippines | Yes | No |
Questions about each
Credityes
What does a Credityes personal loan cost in total?+
Interest is the whole of the cost on the representative example, since the origination fee is 0 PHP. The APR runs 0% to 48% on a loan of PHP 1,000 to PHP 25,000 repaid over 2 to 36, so the total repayable figure depends on the term you pick and the rate you are offered.
Is Credityes a lender or a broker?+
Credityes is a broker, not a direct lender, so it introduces you to a lender that then holds the loan contract. The contract you sign is with that lender, which is worth checking before you accept an offer, and the APR of 0% to 48% is what the lender charges.
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.