Updated October 12, 2026 · BorrowCue Editorial Team
DKB (Deutsche Kreditbank) vs Finipay
Facts checked September 26, 2026.
What sets them apart
| Compare |  DKB (Deutsche Kreditbank) |  Finipay |
|---|---|---|
| APR | 6.99% | 0% to 212%Lower |
| Loan amount | €2,500 to €100,000Higher | €300 to €5,000 |
| Term | 12 to 120 monthsHigher | 3 to 60 months |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | Under 24 hours |
| Representative example | Nettodarlehensbetrag 15.000 Euro, Laufzeit 120 Monate, effektiver Jahreszins 6,99 % p. a., mtl. Rate 172,43 Euro, Gesamtbetrag 20.691,92 Euro | Personal loan of 1,000 EUR repaid in 12 monthly instalments: 342.22 EUR in costs, 1,342.22 EUR total repayable, APR 81% |
| Lender type | Direct lender | Broker |
| Eligibility | 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 | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account held in own name, mobile phone and email |
| Loan types | Personal, Car, Debt consolidation | Personal, Payday, Debt consolidation, CarCovers more |
| Arrangement fee | Not confirmed | 0 EUR |
| Credit check | Soft prequal | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Poor |
Same on both: Use cases (Home improvement).
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Key differences
- APR is lower at Finipay: 0% to 212% vs 6.99%.
- Loan amount is higher at DKB (Deutsche Kreditbank): €2,500 to €100,000 vs €300 to €5,000.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 3 to 60 months.
- Support channels: only DKB (Deutsche Kreditbank) offers Chat.
- Loan types: only Finipay offers Payday.
Our verdict on each
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.
Finipay
Finipay suits Spanish adults with poor credit who need a small euro loan quickly and want no set-up charge. The trade-off is cost: an APR band of 0% to 212% and a representative example where a short loan costs far more to repay than to borrow.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Finipay |
|---|---|---|
| Cost | Not confirmed | 9.7The 0% to 212% band is far wider than the 12.25% midpoint for personal loans here, so cost depends almost entirely on your credit file. |
| Offer | 9.4Higher | 8.8 |
| Trust | 9.2Higher | 8.3 |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
DKB (Deutsche Kreditbank)
557.05
557.05
Finipay
0 to 26,891.23
0 to 26,891.23
Finipay comes out 557.05 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.
Ranges side by side
| Fact | DKB (Deutsche Kreditbank) | Finipay |
|---|---|---|
| Loan amount | €2,500 to €100,000 | €300 to €5,000 |
| Term | 12 to 120 months | 3 to 60 months |
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 6.99% for DKB (Deutsche Kreditbank) and 0% to 212% for Finipay.
FINANZCHECK.de reviewWhat we checked
DKB (Deutsche Kreditbank)
- dkb.de: 17 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
Finipay
- finipay.es: 16 facts, checked September 26, 2026
How they place
| Ranking | DKB (Deutsche Kreditbank) | Finipay |
|---|---|---|
| Personal loans | 16 of 1944 | 19 of 1944 |
| Debt consolidation loans | 6 of 425 | 9 of 425 |
| Car loans | 5 of 432 | 6 of 432 |
| Home improvement loans | 7 of 562 | 9 of 562 |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Finipay |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Deutsche Kreditbank Aktiengesellschaft | Finceptiv OU |
| Headquarters | Germany | Estonia |
| Founded | 1990 | Not confirmed |
| Support channels | Phone, Chat, Help centre, EmailCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Finipay | Median |
|---|---|---|---|
| APR | 6.99%below the median | 0% to 212%lowest quarter | 8.99% |
| Loan amount | €2,500 to €100,000highest quarter | €300 to €5,000lowest quarter | €40,000 |
| Term | 12 to 120 monthshighest quarter | 3 to 60 monthsat the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1007 listed lenders.
Pros and cons
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
Finipay
Pros
- Setting the loan up adds nothing: the origination fee is 0 EUR, so no charge is bolted on to the interest.
- Money arrives in Under 24 hours, and same-day funding sits in same day funding.
- Poor credit is the target: poor means the service is aimed at files mainstream lenders decline.
Cons
- Finipay is a broker rather than the lender (broker), so the rate is set by a partner lender and its terms are not spelled out here.
- The cost of a short term is severe: the representative example repays far more than it lends, and the top of 0% to 212% is steep.
- Borrowing stops at €300 to €5,000, so a larger renovation, car purchase or consolidation job needs another provider.
Who each suits
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
Finipay
Who it suits
- Adults in Spain with poor credit who need a modest sum quickly and would be turned down elsewhere, since poor is the level Finipay targets.
- Borrowers who want a fee-free set-up and a fast transfer, and who will read the representative example before choosing a term.
- People covering a car, a bill to consolidate or a home improvement, given personal, payday and debt consolidation and home improvement.
Who should look elsewhere
- Borrowers with a strong file who want the cheapest rate: Monzo Flex holds its APR at 10% to 23%, well under the top of Finipay's 0% to 212%.
- Anyone who needs to borrow more than €300 to €5,000: Cashspace lists its rate in Philippine pesos at PHP 12 to PHP 36, so it is not a euro answer to a larger sum.
- Shoppers chasing an interest-free headline rate: Cashspace ES shows an APR of 0%, while Finipay's 0% to 212% is the band where a real rate is quoted.
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
Finipay
Current offer
First period offer
First 300 EUR loan with no commission, repayable in 70 days: 300 EUR at 0% commission, 70 days
Apply through the online application form on finipay.es; resident of Spain aged 18-80 with DNI/NIE and Spanish bank account
Source, checked September 26, 2026
Country by country
| Country | DKB (Deutsche Kreditbank) | Finipay |
|---|---|---|
| Germany | Yes | No |
| Spain | No | Yes |
Questions about each
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.
Finipay
Is there a fee for taking out a Finipay loan?+
No arrangement charge is added. The origination fee is 0 EUR, so the money you arrange does not shrink before it reaches you. What you pay is interest on the loan, and the size of that depends on the rate you are offered and the term you choose.
How much can I borrow, and for how long?+
Loans run €300 to €5,000, and terms run 3 to 60 months. That range is built for short and medium needs such as a repair, a car deposit or a bill to consolidate. It is not a route to a large renovation, because the ceiling is well below what the biggest lenders here arrange.
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