Updated October 12, 2026 · BorrowCue Editorial Team
DKB (Deutsche Kreditbank) vs Prestamiau ES
Facts checked September 26, 2026.
What sets them apart
| Compare |  DKB (Deutsche Kreditbank) |  Prestamiau ES |
|---|---|---|
| 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 6 months |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | 5 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 | 300 EUR loan repaid over 95 days: costs 0 EUR, total repayable 300 EUR, TAE 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 | Over 18, resident in Spain, own bank account, valid DNI/NIE, stable income, phone and email |
| Loan types | Personal, Car, Debt consolidationCovers more | Personal, Debt consolidation |
| Arrangement fee | Not confirmed | 0 EUR |
| Credit check | Soft prequal | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Use cases (Home improvement).
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Key differences
- APR is lower at Prestamiau ES: 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 6 months.
- Support channels: only DKB (Deutsche Kreditbank) offers Phone, Chat.
- Loan types: only DKB (Deutsche Kreditbank) offers Car.
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.
Prestamiau ES
Prestamiau ES suits Spanish residents with a thin credit file who need a small sum quickly. The arrangement fee is 0 EUR and funding lands in 5 minutes, so the headline cost is nil, but a broker sits between you and the lender.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Prestamiau ES |
|---|---|---|
| Cost | Not confirmed | 9.9 |
| Offer | 9.4Higher | 8.5APR 0% to 36% on a broker arrangement with 0 EUR and a representative example that adds no costs. |
| Trust | 9.2Higher | 8.3 |
Licences and countries
| Country | DKB (Deutsche Kreditbank) | Prestamiau ES |
|---|---|---|
| Germany | Not confirmed |
Additional countries for DKB (Deutsche Kreditbank): 1. Additional countries for Prestamiau ES: 1.
Positions in our rankings
| Ranking | DKB (Deutsche Kreditbank) | Prestamiau ES |
|---|---|---|
| Personal loans | 16 of 1944 | 3 of 1944 |
| Debt consolidation loans | 6 of 425 | 3 of 425 |
| Home improvement loans | 7 of 562 | 3 of 562 |
Side by side, item by item
| Loan types | DKB (Deutsche Kreditbank) | Prestamiau ES |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Car | Yes | No |
| Use cases | DKB (Deutsche Kreditbank) | Prestamiau ES |
|---|---|---|
| Home improvement | Yes | Yes |
Ranges side by side
| Fact | DKB (Deutsche Kreditbank) | Prestamiau ES |
|---|---|---|
| Loan amount | €2,500 to €100,000 | €100 to €5,000 |
| Term | 12 to 120 months | 3 to 6 months |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Prestamiau ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Deutsche Kreditbank Aktiengesellschaft | Fininity OU |
| 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) | Prestamiau ES | 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 6 monthslowest quarter | 60 |
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
Prestamiau ES
Pros
- No arrangement fee, so the cost of 0 EUR means the example loan adds nothing to arrange.
- APR of 0% to 36% covers a wide spread, so the rate you are offered depends on what the matched lender charges.
- Funding in 5 minutes suits a bill that cannot wait.
Cons
- Support runs on email and help centre alone, so live spoken help is not among the listed channels.
- A broker model means the lender sits behind the brand, so the Fininity OU decision is one step removed.
- Terms run 3 to 6, well short of the 36 median across the comparison.
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
Prestamiau ES
Who it suits
- Spanish residents with a poor credit profile who need money the same day
- Adults consolidating several smaller debts into 3 to 6 repayments
- Borrowers who prioritise a nil arrangement fee over a lower rate
Who should look elsewhere
- Anyone who needs live spoken help, since email and help centre covers email and a help centre only
- Borrowers seeking longer terms, as 3 to 6 caps repayments quickly
- Large purchases, with €100 to €5,000 far below the €876.96 median
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 | DKB (Deutsche Kreditbank) | Prestamiau ES |
|---|---|---|
| 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.
Prestamiau ES
How long does Prestamiau ES take to pay out the money?+
Funding takes 5 minutes from an approved application, and same day funding is listed among the features. That is well ahead of a lender that pays out on a set schedule. Combined with a €100 to €5,000 limit, it suits a bill that needs covering straight away.
What does borrowing from Prestamiau ES cost?+
The rate is quoted as 0% to 36%, so the figure you pay depends on the lender you are matched with. The arrangement fee is 0 EUR, and the representative example shows a loan with no costs added. Compare that top end with the 12% median.
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