Updated October 12, 2026 · BorrowCue Editorial Team
DKB (Deutsche Kreditbank) vs Repagalia ES
Facts checked September 26, 2026.
Facts checked September 26, 2026.
DKB (Deutsche Kreditbank) vs Repagalia ES: the differences
| Compare |  DKB (Deutsche Kreditbank) |  Repagalia ES |
|---|---|---|
| Credit check | Soft prequal | None |
| 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 | Individuals and self-employed (autonomos) in Spain with debts causing economic difficulty, with or without declared defaults; the Second Opportunity route additionally requires proven insolvency |
| Loan types | Personal, Car, Debt consolidationCovers more | Debt consolidation |
| APR | 6.99% | Not confirmed |
| Loan amount | €2,500 to €100,000 | Not confirmed |
| Term | 12 to 120 months | Not confirmed |
| Arrangement fee | Not confirmed | Service fee charged, mostly calculated as a percentage of the savings achieved and already included in the liquidation plan |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | Not confirmed |
| 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 | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Support channels: only DKB (Deutsche Kreditbank) offers Chat.
- Loan types: only DKB (Deutsche Kreditbank) offers Personal, 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.
Repagalia ES
Repagalia debt consolidation and legal cancellation covers reunification into a single monthly payment and insolvency routes without new borrowing. It is a broker that analyses each case, explains suitable alternatives through its calculator and team, and guides people struggling with multiple loans toward recovery.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Repagalia ES |
|---|---|---|
| Offer | 9.4Higher | 9.2 |
| Trust | 9.2Higher | 8.3 |
Availability and regulation
| Country | DKB (Deutsche Kreditbank) | Repagalia ES |
|---|---|---|
| Germany | Not confirmed | |
| Spain | Not confirmed |
Additional countries for DKB (Deutsche Kreditbank): 1. Additional countries for Repagalia ES: 1.
How they place
| Ranking | DKB (Deutsche Kreditbank) | Repagalia ES |
|---|---|---|
| Debt consolidation loans | 6 of 425 | 11 of 425 |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Repagalia ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | Deutsche Kreditbank Aktiengesellschaft | REPAGALIA, S.L. |
| Headquarters | Germany | Spain |
| 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) | Repagalia ES | Median |
|---|---|---|---|
| APR | 6.99%below the median | Not confirmed | 8.99% |
| Loan amount | €2,500 to €100,000highest quarter | Not confirmed | €40,000 |
| Term | 12 to 120 monthshighest quarter | Not confirmed | 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
Repagalia ES
Pros
- Reunifies loans, cards and small credits into one monthly payment
- Offers legal cancellation route for proven insolvency cases
- Provides case analysis plus calculator previewing suitable alternatives
Cons
- Covers only reunification and cancellation, without new loan products
- Service centres on arrears and insolvency rather than standard borrowing
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
Repagalia ES
Who it suits
- People managing several loans, cards or small credits
- People in insolvency seeking legal debt cancellation
- People refused financing due to payment problems
Who should look elsewhere
- People seeking new credit rather than debt reduction
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) | Repagalia 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.
Repagalia ES
What does Repagalia do?+
Repagalia is a broker that analyses each case and proposes a suitable debt solution. It helps reduce balances through reunification or pursue legal discharge where insolvency allows. The purpose is to replace unmanageable payments with a structured path toward recovery.
Which debts can be brought together?+
The calculator accepts loans, cards and small credits to outline a saving plan. Those balances can be reunified into a single monthly payment that is easier to manage. The approach does not request additional borrowing as part of the reunification.
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