Updated October 12, 2026 · BorrowCue Editorial Team
DKB (Deutsche Kreditbank) vs Quick Car Finance
Facts checked September 26, 2026.
What sets them apart
| Compare |  DKB (Deutsche Kreditbank) |  Quick Car Finance |
|---|---|---|
| APR | 6.99%Lower | 9.9% to 60% |
| Loan amount | €2,500 to €100,000 | £3,000 to £50,000 |
| Term | 12 to 120 monthsHigher | 12 to 60 months |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | 1-3 working days |
| 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 | GBP7,000 credit, 60 months, GBP185.33/month, total GBP11,119.80, 21.9% APR fixed HP |
| Lender type | Direct lender | Broker |
| Free early repayment | YesHas it | No |
| 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 | 18+, UK resident |
| Loan types | Personal, Car, Debt consolidationCovers more | Car |
| Arrangement fee | Not confirmed | 0 |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Soft prequal), Rate type (Fixed).
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Key differences
- APR is lower at DKB (Deutsche Kreditbank): 6.99% vs 9.9% to 60%.
- Free early repayment: only DKB (Deutsche Kreditbank).
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 12 to 60 months.
- Loan types: only DKB (Deutsche Kreditbank) offers Personal, Debt consolidation.
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.
Quick Car Finance
Quick Car Finance suits borrowers with weaker credit who want a car purchase arranged through a broker rather than a direct lender. Loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days give clear structure while rates reflect higher risk profiles.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Quick Car Finance |
|---|---|---|
| Cost | Not confirmed | 8.2APR of 9.9% to 60% with origination fee of 0 for car loans. |
| Offer | 9.4 | 9.6HigherCar loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days. |
| Trust | 9.2Higher | 8.6Broker model of broker under licence 764855. |
How they place
| Ranking | DKB (Deutsche Kreditbank) | Quick Car Finance |
|---|---|---|
| Car loans | 5 of 432 | 2 of 432 |
What each covers
| Loan types | DKB (Deutsche Kreditbank) | Quick Car Finance |
|---|---|---|
| Personal | Yes | No |
| Debt consolidation | Yes | No |
| Car | Yes | Yes |
From lowest to highest
| Fact | DKB (Deutsche Kreditbank) | Quick Car Finance |
|---|---|---|
| Term | 12 to 120 months | 12 to 60 months |
A third option
Sofkredit has term at 6 to 240 months, against 12 to 120 months for DKB (Deutsche Kreditbank) and 12 to 60 months for Quick Car Finance.
Sofkredit reviewSources behind this comparison
DKB (Deutsche Kreditbank)
- dkb.de: 17 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
Quick Car Finance
- quickcarfinance.co.uk: 14 facts, checked September 28, 2026
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Quick Car Finance |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | Deutsche Kreditbank Aktiengesellschaft | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1990 | Not confirmed |
| Support channels | Phone, Chat, Help centre, Email | Not confirmed |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Quick Car Finance | Median |
|---|---|---|---|
| APR | 6.99%below the median | 9.9% to 60%above the median | 8.99% |
| Term | 12 to 120 monthshighest quarter | 12 to 60 monthsat the median | 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
Quick Car Finance
Pros
- Soft prequalification approach through soft prequal limits early credit impact while shopping for car finance.
- Car loans of £3,000 to £50,000 cover a broad span of purchase budgets for vehicle buyers.
- Fixed basis of fixed keeps scheduled payments steady through the agreement term.
Cons
- Free early repayment is no, so exit costs need attention alongside APR of 9.9% to 60%.
- Funding in 1-3 working days is slower than same day funding seen elsewhere in car loans.
- APR of 9.9% to 60% can sit above mainstream pricing, unlike Ibancar Prestamos at 12.74% to 13.01%.
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
Quick Car Finance
Who it suits
- Buyers with poor credit who prefer Quick Car Finance over Fidea for dedicated car funding.
- Borrowers seeking larger car balances who prefer Quick Car Finance over AXI Card Tarjeta y Credito for vehicle use.
Who should look elsewhere
- Borrowers chasing lower headline rates who may prefer Ibancar Prestamos for APR of 12.74% to 13.01%.
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) | Quick Car Finance |
|---|---|---|
| Germany | Yes | No |
| United Kingdom | 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.
Quick Car Finance
What APR might apply?+
Quick Car Finance lists APR of 9.9% to 60% for car loans. The exact rate depends on credit profile and lender offer, so comparison of monthly payment and total payable matters before agreement.
Is there an origination or arrangement fee?+
The origination fee is 0 for car loans. That means no separate broker arrangement charge is added at the start, though lender interest and any lender charges still shape total cost.
Other options to compare
Other matchups
- DKB (Deutsche Kreditbank) vs Oney Préstamos ES
- DKB (Deutsche Kreditbank) vs Sofkredit
- DKB (Deutsche Kreditbank) vs Prestamiau ES
- DKB (Deutsche Kreditbank) vs Ibancar Prestamos
- DKB (Deutsche Kreditbank) vs Fidea
- DKB (Deutsche Kreditbank) vs Youmoney
- DKB (Deutsche Kreditbank) vs Fiesta Credito
- DKB (Deutsche Kreditbank) vs Fiesta Credito MX