Updated October 12, 2026 · BorrowCue Editorial Team
DKB (Deutsche Kreditbank) vs Sofkredit
Facts checked September 26, 2026.
What sets them apart
| Compare |  DKB (Deutsche Kreditbank) |  Sofkredit |
|---|---|---|
| Fixed period | 5 to 30 yearsHigher | 0.5 to 20 years |
| Purpose | Purchase, Remortgage | Home equity, Remortgage |
| Lender type | Direct lender | Broker |
| Initial rate | Not confirmed | 8% to 14% |
| APRC | Not confirmed | 10.74% to 18.06% |
| Maximum loan to value | Not confirmed | 30% |
| Product fee | Not confirmed | €900 to €1,350 |
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Key differences
- Sofkredit is licensed in 1 more country.
- Sofkredit is available in 2 more countries.
- Fixed period is higher at DKB (Deutsche Kreditbank): 5 to 30 years vs 0.5 to 20 years.
- Support channels: only DKB (Deutsche Kreditbank) offers Chat.
- Purpose: only DKB (Deutsche Kreditbank) offers Purchase.
- Purpose: only Sofkredit offers Home equity.
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.
Sofkredit
Sofkredit suits Spanish borrowers who want property backed finance and can wait for a notary appointment. The headline cost is an arrangement fee of 6% to 9% of the loan, while Sofkredit's own service adds nothing beyond it.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Sofkredit |
|---|---|---|
| Cost | Not confirmed | 8.5 |
| Offer | 9.4Higher | 9.3Ranges cover €12,000 to €300,000, 6 to 240 and 10.74% to 18.06%, with home equity and remortgage and home improvement on the same application. |
| Trust | 9.2Higher | 8.3 |
Licences and countries
| Country | DKB (Deutsche Kreditbank) | Sofkredit |
|---|---|---|
| Germany | Not confirmed | |
| Italy | Not confirmed | |
| Spain | Not confirmed | Banco de Espana E020 |
Additional countries for DKB (Deutsche Kreditbank): 1. Additional countries for Sofkredit: 3.
Ranges side by side
| Fact | DKB (Deutsche Kreditbank) | Sofkredit |
|---|---|---|
| Fixed period | 5 to 30 years | 0.5 to 20 years |
Also worth a look
Rakuten Bank has fixed period at 35 years, against 5 to 30 years for DKB (Deutsche Kreditbank) and 0.5 to 20 years for Sofkredit.
Rakuten Bank reviewHow they place
| Ranking | DKB (Deutsche Kreditbank) | Sofkredit |
|---|---|---|
| Debt consolidation loans | 6 of 425 | 2 of 425 |
| Mortgages | 2 of 719 | 1 of 719 |
| Remortgage deals | 2 of 351 | 1 of 351 |
| Home improvement loans | 7 of 562 | 2 of 562 |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Sofkredit |
|---|---|---|
| Legal entity | Deutsche Kreditbank Aktiengesellschaft | Kova Finance, S.L. |
| Headquarters | Germany | Spain |
| Founded | 1990 | Not confirmed |
| Support channels | Phone, Chat, Help centre, EmailCovers more | Email, Phone, Help centre |
Loans
| Fact | DKB (Deutsche Kreditbank) | Sofkredit |
|---|---|---|
| APR | 6.99%Lower | 10.74% to 18.06% |
| Loan amount | €2,500 to €100,000 | €12,000 to €300,000Higher |
| Term | 12 to 120 months | 6 to 240 monthsHigher |
| Arrangement fee | Not confirmed | 6% to 9% of the loan; on a 15,000 EUR mortgage-guaranteed loan the commission is 900 EUR minimum and 1,350 EUR maximum, charged by the collaborating lender; Sofkredit's own service costs the user nothing |
| Credit check | Soft prequal | Soft prequal |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | 15-20 days after approval; same day as the notary signing, about one week if documentation is sent quickly |
| 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 | a 15,000 EUR loan at 9% interest over 5 years returns a total of 21,750 EUR |
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| 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 | Natural or legal persons of legal age (+18) with Spanish nationality or residence, holder of a bank account; for mortgage-guaranteed loans a property must be owned, free of charges or with at least 70% of the mortgage repaid |
| Origination fee (%) | Not confirmed | 6% to 9% |
| Loan types | Personal, Car, Debt consolidation | Secured, Debt consolidation, Business |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Home improvement |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Sofkredit | Median |
|---|---|---|---|
| Initial rate | Not confirmed | 8% to 14%highest quarter | 4.425 |
| APRC | Not confirmed | 10.74% to 18.06%highest quarter | 5.04 |
| Fixed period | 5 to 30 yearshighest quarter | 0.5 to 20 yearsabove the median | 10 |
| Maximum loan to value | Not confirmed | 30%lowest quarter | 90% |
| Product fee | Not confirmed | €900 to €1,350highest quarter | €0 |
Median across 239 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
Sofkredit
Pros
- Sofkredit's own service costs nothing, so the only charge to weigh is the lender's arrangement fee of 6% to 9%.
- The loan range €12,000 to €300,000 and the term range 6 to 240 suit both renovation projects and debt consolidation.
- Eligibility leans towards weaker files, with the credit needed listed as poor, and the credit check is soft prequal.
Cons
- The arrangement fee of 6% to 9% is a large share of the loan, and the product fee on a small mortgage guaranteed loan runs €900 to €1,350.
- Maximum loan to value is 30%, well below the 90% across listed lenders, so equity of your own is required.
- Sofkredit is a broker, so the contract sits with the collaborating lender rather than the site you apply through.
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
Sofkredit
Who it suits
- Spanish residents and nationals who own a property that is free of charges or has most of its mortgage repaid
- Borrowers consolidating several debts into one payment, since debt consolidation is among the secured, debt consolidation and business
- Homeowners funding renovation work, as home improvement is the main listed use case
Who should look elsewhere
- Anyone who needs money the same week without a notary appointment, against the stated funding time
- Borrowers who want to borrow more than a low share of their property's value, given the 30% cap
- Small lenders wanting a quick online application rather than the documentation and notary steps this route involves
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) | Sofkredit |
|---|---|---|
| France | No | Yes |
| Germany | Yes | No |
| Italy | No | Yes |
| 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.
Sofkredit
What does Sofkredit charge to arrange a loan?+
The arrangement fee runs 6% to 9% of the loan and is charged by the collaborating lender. On a small mortgage guaranteed loan the commission falls within €900 to €1,350. Sofkredit's own service costs the borrower nothing beyond that lender charge.
How much can I borrow and for how long?+
Loan amounts run €12,000 to €300,000 and terms run 6 to 240, so the range is wide enough for a renovation or a debt consolidation. Terms and amounts are set by the collaborating lender rather than by the site you apply through.
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