Updated October 12, 2026 · BorrowCue Editorial Team
DKB (Deutsche Kreditbank) vs Vivus
Facts checked September 26, 2026.
Where DKB (Deutsche Kreditbank) and Vivus differ
| Compare |  DKB (Deutsche Kreditbank) |  Vivus |
|---|---|---|
| APR | 6.99%Lower | 44.5% |
| Loan amount | €2,500 to €100,000Higher | €50 to €10,000 |
| Term | 12 to 120 monthsHigher | 3 to 60 months |
| Credit check | Soft prequal | Hard |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | Within 5 minutes of approval; same day if the bank is in the instant payment system and the request is before 16:00 on a working day, otherwise next working day |
| 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 | Borrowing 300 EUR for 3 months: interest payment 18.87 EUR, loan rate 37.37%, APR (GPL) 44.50%, total repayable 318.87 EUR |
| 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 | Permanent residents of the Republic of Latvia aged 18-75 with a Latvian personal code, no overdue payments or debts, sufficient regular income, plus a valid mobile number, email and bank account. |
| Loan types | Personal, Car, Debt consolidation | Personal, Payday, Car |
| Arrangement fee | Not confirmed | 0 EUR (credit line disbursement fee) |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Good |
Same on both: Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Founded is lower at DKB (Deutsche Kreditbank): 1990 vs 2008.
- APR is lower at DKB (Deutsche Kreditbank): 6.99% vs 44.5%.
- Loan amount is higher at DKB (Deutsche Kreditbank): €2,500 to €100,000 vs €50 to €10,000.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 3 to 60 months.
- Features: only Vivus offers Credit line.
- Loan types: only DKB (Deutsche Kreditbank) offers Debt consolidation.
- Loan types: only Vivus 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.
Vivus
Vivus suits Latvian residents with a good credit file who need money for a home improvement quickly. It is a fast, fixed rate lender with free early repayment, but the headline rate of 44.5% is the price tag that puts it behind cheaper lenders.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Vivus |
|---|---|---|
| Cost | Not confirmed | 9.0APR of 44.5% sits far above the site median of 12%, though the credit line disbursement fee is 0 EUR (credit line disbursement fee). |
| Offer | 9.4Higher | 8.9 |
| Trust | 9.2Higher | 9.1 |
Feature by feature
| Loan types | DKB (Deutsche Kreditbank) | Vivus |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | No |
| Car | Yes | Yes |
| Use cases | DKB (Deutsche Kreditbank) | Vivus |
|---|---|---|
| Home improvement | Yes | Yes |
Positions in our rankings
| Ranking | DKB (Deutsche Kreditbank) | Vivus |
|---|---|---|
| Personal loans | 16 of 1944 | 24 of 1944 |
| Car loans | 5 of 432 | 8 of 432 |
| Home improvement loans | 7 of 562 | 11 of 562 |
Ranges side by side
| Fact | DKB (Deutsche Kreditbank) | Vivus |
|---|---|---|
| Loan amount | €2,500 to €100,000 | €50 to €10,000 |
| Term | 12 to 120 months | 3 to 60 months |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Vivus |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Deutsche Kreditbank Aktiengesellschaft | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Germany | Latvia |
| Founded | 1990Lower | 2008 |
| Support channels | Phone, Chat, Help centre, Email | Chat, Phone, Email, Help centre |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Vivus | Median |
|---|---|---|---|
| APR | 6.99%below the median | 44.5%highest quarter | 8.99% |
| Loan amount | €2,500 to €100,000highest quarter | €50 to €10,000below the median | €40,000 |
| Term | 12 to 120 monthshighest quarter | 3 to 60 monthsat the median | 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
Vivus
Pros
- Free early repayment, so a borrower who finishes ahead of schedule is not penalised for it
- Repayments are fixed under fixed on a fixed rate basis, so the monthly figure holds for the whole term
- A revolving credit line sits under same day funding and credit line and its percentage fee is 0%, so drawing and repaying the line adds nothing extra
Cons
- The annual percentage rate of 44.5% sits well above the 12% median across the site and well above 10% to 23% at Monzo Flex
- A hard credit check with a good credit requirement narrows who gets an offer, and eligibility also rules out anyone with overdue payments or debts
- The products listed are personal, payday and car, so there is no stated route for consolidating other debts into one payment
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
Vivus
Who it suits
- Latvian residents with a steady income and a good credit file who need a modest sum quickly and can clear it early
- Borrowers funding a home improvement who want one fixed repayment and a revolving line to draw on as costs build up
- Readers who value a direct lender relationship and phone support more than the lowest headline rate
Who should look elsewhere
- Not for anyone shopping on rate alone, since Monzo Flex quotes 10% to 23% against the 44.5% on this lender
- Not for a like for like price comparison with Cashspace, where PHP 12 to PHP 36 is quoted in another currency
- Not for applicants with a thin credit record, because a hard check and a good requirement set a firm bar
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
Vivus
Current offer
Bonus
Cancelled fee for expedited disbursement: 0 EUR (fee for accelerated payout cancelled/waived)
Shown site-wide next to the client profile login; disbursement fee for the credit line is 0 EUR
Source, checked September 26, 2026
Country by country
| Country | DKB (Deutsche Kreditbank) | Vivus |
|---|---|---|
| Germany | Yes | No |
| Latvia | 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.
Vivus
What rate do I pay on a Vivus loan?+
The headline annual percentage rate is 44.5%, and the representative example published for the lender quotes the same figure alongside the interest payment and the total repayable on a short loan. The rate is fixed under fixed, so the figure is set for the whole term rather than adjusted as market rates move.
Are there arrangement or disbursement fees?+
The credit line disbursement fee is 0 EUR (credit line disbursement fee) and the matching percentage fee is 0%, so the line itself carries nothing extra to open or draw. What costs money is the interest, and the representative example sets out a loan rate and an annual percentage rate of 44.5% next to the total repayable.
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