Updated October 12, 2026 · BorrowCue Editorial Team
DKB (Deutsche Kreditbank) vs Finteres
Facts checked September 26, 2026.
Where DKB (Deutsche Kreditbank) and Finteres differ
| Compare |  DKB (Deutsche Kreditbank) |  Finteres |
|---|---|---|
| APR | 6.99% | 0% to 36%Lower |
| Loan amount | €2,500 to €100,000Higher | €100 to €5,000 |
| Term | 12 to 120 monthsHigher | 3 to 4 months |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | Immediate transfer on approval, maximum 24-48 hours in exceptional cases |
| 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 | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% |
| 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 | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit |
| Loan types | Personal, Car, Debt consolidation | Personal, Payday, Debt consolidation, CarCovers more |
| Arrangement fee | Not confirmed | 0 EUR |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Soft prequal), Free early repayment (Yes).
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Key differences
- APR is lower at Finteres: 0% to 36% vs 6.99%.
- Loan amount is higher at DKB (Deutsche Kreditbank): €2,500 to €100,000 vs €100 to €5,000.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 3 to 4 months.
- Support channels: only DKB (Deutsche Kreditbank) offers Chat.
- Loan types: only Finteres 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.
Finteres
Finteres is a broker for small, short loans, and it suits residents with a thin credit file who need money as soon as an application is approved.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Finteres |
|---|---|---|
| Cost | Not confirmed | 9.5Arrangement fee of 0 EUR and free early repayment, with a representative example showing a short loan repaid at no added cost. |
| Offer | 9.4Higher | 8.7 |
| Trust | 9.2Higher | 8.3 |
Side by side, item by item
| Loan types | DKB (Deutsche Kreditbank) | Finteres |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | Yes |
| Car | Yes | Yes |
Which one suits you
Pick DKB (Deutsche Kreditbank) if offer, trust, loan amount, and term matter most.
Pick Finteres if apr and loan types matter most.
How they place
| Ranking | DKB (Deutsche Kreditbank) | Finteres |
|---|---|---|
| Personal loans | 16 of 1944 | 27 of 1944 |
| Debt consolidation loans | 6 of 425 | 10 of 425 |
| Car loans | 5 of 432 | 9 of 432 |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Finteres |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Deutsche Kreditbank Aktiengesellschaft | Fininity OÜ |
| Headquarters | Germany | Estonia |
| Founded | 1990 | Not confirmed |
| Support channels | Phone, Chat, Help centre, EmailCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Finteres | Median |
|---|---|---|---|
| APR | 6.99%below the median | 0% to 36%lowest quarter | 8.99% |
| Loan amount | €2,500 to €100,000highest quarter | €100 to €5,000lowest quarter | €40,000 |
| Term | 12 to 120 monthshighest quarter | 3 to 4 monthslowest quarter | 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
Finteres
Pros
- No arrangement fee to budget for: the origination fee is 0 EUR, and the representative example shows a short loan repaid with nothing added to the amount borrowed.
- Free early repayment, so clearing the balance before the agreed date costs no more than sticking to the schedule.
- The credit check is soft prequal, a soft prequalification step that 20.4% of the brands on the site use, against 72.7% on a hard search.
Cons
- Terms run only 3 to 4, far shorter than the 48 typical of personal loans on the site, so a large balance has to clear in a short window.
- Finteres works as a broker, so 0% to 36% is a range it works across rather than a rate you are handed, and the lender sets the terms you sign.
- The largest loan sits at the top of €100 to €5,000, well short of the €653,159.33 recorded for the biggest personal loans on the site.
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
Finteres
Who it suits
- Adults legally resident in Spain who hold a Spanish bank account in their own name, have stable income and carry a valid DNI or residence permit.
- Borrowers with a poor credit file, since Finteres works with thin credit rather than requiring a top file.
- People who need cash the same day and expect to clear it early, given immediate transfers on approval and free early repayment.
Who should look elsewhere
- Anyone who wants to spread a balance over years, since terms stop at 3 to 4 against a 48 elsewhere; Monzo Flex at 10% to 23% is worth a look for a different shape.
- Borrowers needing a larger sum than the top of €100 to €5,000, which sits well below the €653,159.33 seen on the site; Cashspace at PHP 12 to PHP 36 is another short-term option to check.
- Applicants who need the rate fixed in advance, since 0% to 36% is a range a broker works with; Cashspace ES at 0% gives a single point of comparison instead.
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
Finteres
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% TAE, cost 0 EUR on a 300 EUR loan repaid in 91 days
New Finteres users only; first loan at 0% APR, site states the figure is indicative and not contractual and can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | DKB (Deutsche Kreditbank) | Finteres |
|---|---|---|
| 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.
Finteres
What does a Finteres loan cost?+
Finteres quotes an APR of 0% to 36% across the loans it brokers, and the arrangement fee is 0 EUR. The representative example is the plainest guide: a short loan repaid with no added cost, so the total repayable matches the amount advanced. A soft prequalification check, soft prequal, is the only credit step named.
Is Finteres a lender or a broker?+
Finteres is a broker, not a direct lender. An application is passed to a lender and the loan contract sits with that lender, while Finteres publishes the range it works across, 0% to 36%. The rate you end up with is confirmed by the lender, not fixed by the broker.
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