Updated October 12, 2026 · BorrowCue Editorial Team
DKB (Deutsche Kreditbank) vs Pezetita
Facts checked September 26, 2026.
Where DKB (Deutsche Kreditbank) and Pezetita differ
| Compare |  DKB (Deutsche Kreditbank) |  Pezetita |
|---|---|---|
| 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 | Money transferred shortly after lender approval, within minutes |
| 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 | For a 300 EUR loan repaid in 91 days, costs are 0 EUR, total repayable 300 EUR at a 0% APR (TAE) |
| 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 | Over 18 years old, resident in Spain, DNI or NIE, email and mobile number, proof of income, bank account |
| Loan types | Personal, Car, Debt consolidation | Personal, Payday, Debt consolidation |
| Arrangement fee | Not confirmed | 0 EUR (no loan selection fee charged) |
| Credit check | Soft prequal | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed).
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Key differences
- APR is lower at Pezetita: 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 Phone, Chat.
- Loan types: only DKB (Deutsche Kreditbank) offers Car.
- Loan types: only Pezetita 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.
Pezetita
Pezetita suits adults in Spain who need a small short-term loan paid out quickly, with borrowing of €100 to €5,000 over 3 to 4. The catch is that it works as a broker, so a partner lender sets the final terms.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Pezetita |
|---|---|---|
| Cost | Not confirmed | 9.7The 0 EUR (no loan selection fee charged) and an APR band of 0% to 36% keep costs at the market floor. |
| Offer | 9.4Higher | 8.5 |
| Trust | 9.2Higher | 8.3 |
Where each is licensed and available
| Country | DKB (Deutsche Kreditbank) | Pezetita |
|---|---|---|
| Germany | Not confirmed |
Additional countries for DKB (Deutsche Kreditbank): 1. Additional countries for Pezetita: 1.
Side by side, item by item
| Loan types | DKB (Deutsche Kreditbank) | Pezetita |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | Yes |
| Car | Yes | No |
From lowest to highest
| Fact | DKB (Deutsche Kreditbank) | Pezetita |
|---|---|---|
| Loan amount | €2,500 to €100,000 | €100 to €5,000 |
| Term | 12 to 120 months | 3 to 4 months |
Which one suits you
Pick DKB (Deutsche Kreditbank) if offer, trust, loan amount, and term matter most.
Pick Pezetita if apr matter most.
How they place
| Ranking | DKB (Deutsche Kreditbank) | Pezetita |
|---|---|---|
| Personal loans | 16 of 1944 | 17 of 1944 |
| Debt consolidation loans | 6 of 425 | 7 of 425 |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Pezetita |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Deutsche Kreditbank Aktiengesellschaft | Fininity OÜ (registry number 14523902, VAT ID EE102112841) |
| Headquarters | Germany | Estonia |
| Founded | 1990 | Not confirmed |
| Support channels | Phone, Chat, Help centre, EmailCovers more | Email, Help centre |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Pezetita | 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
Pezetita
Pros
- Nothing to pay for taking the loan out: 0 EUR (no loan selection fee charged).
- Fast payout, with same day funding and a transfer within minutes of a lender decision.
- Fixed pricing on fixed loans, so the repayment schedule holds for the whole 3 to 4.
Cons
- It is a broker (broker), so the lender you are matched with sets the final price, not the site you apply through.
- The window is short at 3 to 4, so a larger balance has little room to spread.
- The upper end of 0% to 36% sits well above the market median of 12%, so the headline band flatters the cheaper offers.
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
Pezetita
Who it suits
- Adults resident in Spain who hold a DNI or NIE, can show proof of income and keep a bank account open.
- Borrowers who need money within minutes of a lender decision rather than a waiting period.
- People who prefer a fixed rate and a fee of 0 EUR (no loan selection fee charged) on a short loan.
Who should look elsewhere
- Monzo Flex, if you want years to repay: its APR band of 10% to 23% suits a longer schedule than Pezetita's 3 to 4.
- Cashspace, if your budget needs room to breathe, since Pezetita caps the term at 3 to 4.
- Cashspace ES, if you want the lowest headline rate first, because its 0% undercuts the upper end of Pezetita's 0% to 36% band.
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
Pezetita
Current offer
First period offer
First loan free for new customers: First loan at 0% TAE, 0 EUR cost on a 300 EUR loan over 91 days
New customers only; the interest rate and overpayment amount may change after completing the questionnaire
Source, checked September 26, 2026
Country by country
| Country | DKB (Deutsche Kreditbank) | Pezetita |
|---|---|---|
| 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.
Pezetita
What does it cost to borrow from Pezetita?+
Pezetita prices loans on a fixed basis, with an APR band of 0% to 36%. The 0 EUR (no loan selection fee charged) means no loan selection or origination charge is added to the borrow. The published example shows a short loan repaid with nothing added to the amount lent, so the total repayable matches the sum you borrowed.
Is there an arrangement or selection fee?+
The origination fee is 0 EUR (no loan selection fee charged), and the percentage fee is 0%, so nothing is taken for choosing or setting the loan up. Cost comes from the interest side instead, which is why the APR band of 0% to 36% is the number to read closely before you apply.
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