Updated October 12, 2026 · BorrowCue Editorial Team
DKB (Deutsche Kreditbank) vs Wandoo
Facts checked September 26, 2026.
DKB (Deutsche Kreditbank) vs Wandoo: the differences
| Compare |  DKB (Deutsche Kreditbank) |  Wandoo |
|---|---|---|
| APR | 6.99%Lower | 4,530.48% to 8,385.16% |
| Loan amount | €2,500 to €100,000Higher | €50 to €1,800 |
| Term | 12 to 120 monthsHigher | 7 to 35 months |
| Credit check | Soft prequal | Hard |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | 24-48 hours after approval, depending on the bank |
| 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 | Loan of EUR 100 over 35 days, TIN 463.55 %, TAE 4,530.48 %, interest EUR 44.45, total repayable EUR 144.45 |
| Rate type | Fixed | Variable |
| 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 or older, resident in Spain, valid DNI/NIE, bank account in a Spanish entity, verifiable regular income, own email and mobile |
| Loan types | Personal, Car, Debt consolidation | Payday, Personal |
| Arrangement fee | Not confirmed | 0.00 EUR (no opening or study commission) |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Fair |
Same on both: Lender type (Direct lender), Use cases (Home improvement).
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Key differences
- Founded is lower at DKB (Deutsche Kreditbank): 1990 vs 2017.
- APR is lower at DKB (Deutsche Kreditbank): 6.99% vs 4,530.48% to 8,385.16%.
- Free early repayment: only DKB (Deutsche Kreditbank).
- Loan amount is higher at DKB (Deutsche Kreditbank): €2,500 to €100,000 vs €50 to €1,800.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 7 to 35 months.
- Support channels: only DKB (Deutsche Kreditbank) offers Chat.
- Loan types: only DKB (Deutsche Kreditbank) offers Car, Debt consolidation.
- Loan types: only Wandoo 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.
Wandoo
Wandoo suits borrowers in Spain who want a small, short loan with no opening or study commission. The catch is the rate: an APR of 4,530.48% to 8,385.16% sits well above the personal loan median of 12.25%, and early repayment carries a charge.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Wandoo |
|---|---|---|
| Cost | Not confirmed | 8.6Origination fee of 0.00 EUR (no opening or study commission) and no free early repayment, against an APR of 4,530.48% to 8,385.16%. |
| Offer | 9.4Higher | 8.8 |
| Trust | 9.2Higher | 8.8 |
Where they rank in our lists
| Ranking | DKB (Deutsche Kreditbank) | Wandoo |
|---|---|---|
| Personal loans | 16 of 1944 | 26 of 1944 |
| Home improvement loans | 7 of 562 | 12 of 562 |
Where these facts come from
DKB (Deutsche Kreditbank)
- dkb.de: 17 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
Wandoo
- wandoo.es: 19 facts, checked September 26, 2026
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Wandoo |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | Deutsche Kreditbank Aktiengesellschaft | Wandoo Finance S.L.U. |
| Headquarters | Germany | Spain |
| Founded | 1990Lower | 2017 |
| Support channels | Phone, Chat, Help centre, EmailCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Wandoo | Median |
|---|---|---|---|
| APR | 6.99%below the median | 4,530.48% to 8,385.16%highest quarter | 8.99% |
| Loan amount | €2,500 to €100,000highest quarter | €50 to €1,800lowest quarter | €40,000 |
| Term | 12 to 120 monthshighest quarter | 7 to 35 monthsbelow 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
Wandoo
Pros
- No opening or study commission, with an origination fee of 0.00 EUR (no opening or study commission) on the payday and personal loans.
- Repayment follows the income cycle: €50 to €1,800 over 7 to 35, which suits a bill that clears next month rather than a multi year plan.
- Fixed monthly cost from a direct lender, direct lender, so the terms sit with one counterparty instead of a broker chain.
Cons
- The APR of 4,530.48% to 8,385.16% is far above the payday loan median of 36.5%, and the top of the range reaches 4,530.48% to 8,385.16%.
- Free early repayment is no, so clearing the loan early still carries a charge.
- The amount ceiling of €50 to €1,800 is small next to the home improvement median of €1,000, so a large renovation needs another lender.
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
Wandoo
Who it suits
- Adults resident in Spain with a valid DNI/NIE, a Spanish bank account and verifiable regular income.
- Borrowers covering a short term expense, home improvement is the stated use.
- People whose credit file stands at a fair level and who can handle a hard credit check.
Who should look elsewhere
- Anyone planning to settle the loan early, since free early repayment is no.
- Borrowers needing a long repayment period, as 7 to 35 is short.
- Readers comparing against Monzo Flex, where an APR of 10% to 23% sits far below 4,530.48% to 8,385.16%.
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
Wandoo
Current offer
First period offer
Primer minicredito gratis de 250-300 EUR al 0 % TAE: 0 % TAE on a first loan of 250-300 EUR (up to 30 days)
New customers only, amount 250-300 EUR, returned within the agreed term of up to 30 days without delay
Source, checked September 26, 2026
Country by country
| Country | DKB (Deutsche Kreditbank) | Wandoo |
|---|---|---|
| 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.
Wandoo
What does a Wandoo loan cost?+
The published APR is 4,530.48% to 8,385.16% and the rate is variable. There is no opening or study commission, the origination fee being 0.00 EUR (no opening or study commission), so the interest rate does most of the work in setting what you repay. The representative example shows the annual cost clearly once the short term is taken into account.
Are there arrangement or opening fees?+
The origination fee is 0.00 EUR (no opening or study commission), and there is no opening or study commission on the payday or personal loans. Interest on the amount borrowed is the main cost, and the rate is variable, so it can move with the reference rate.
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