durchblicker.at review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

durchblicker.at suits Austrian borrowers who want a fixed-rate personal loan and can handle a full credit check. Its APR of 8.839% sits below the site median of 12%, and the trade-off is that the check is hard and the lender sits behind a broker (broker).

Key facts

Best for
Austrian borrowers after a fixed-rate loan with no upfront fee.
APR
8.839% (Source, checked September 26, 2026)
Loan amount
€100 to €75,000 (Source, checked September 26, 2026)
Term
1 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Money on the account within 24 hours after credit approval (Source, checked September 26, 2026)
Representative example
Online loan of EUR 20,000 over 10 years: monthly rate EUR 247.97 at 8.50% p.a. fixed, effective annual rate 8.839% p.a., total costs EUR 9,757, total payable EUR 29,757, no processing or credit-check fee, no account fee (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Adults (18+), EU citizens with main residence in Austria for at least one year, minimum monthly income EUR 1,250, employed at least three months in a permanent non-terminated contract or drawing a pension, Austrian/EU (SEPA) current account in own name, no insolvency, bankruptcy or enforcement in the last three years, not a politically exposed person (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Car, Debt-consolidation, Credit-line (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
durchblicker GmbH (Source, checked September 26, 2026)
Headquarters
Austria (Source, checked September 26, 2026)
Founded
2010 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
durchblicker.at

Mortgages

Initial rate
3.305% (Source, checked September 26, 2026)
APRC
3.819% (Source, checked September 26, 2026)
Fixed period
5 to 20 years (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
durchblicker GmbH (Source, checked September 26, 2026)
Headquarters
Austria (Source, checked September 26, 2026)
Founded
2010 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
WikidataLinkedIninstagram.comtiktok.comfacebook.comyoutube.comekomi.de

Pros and cons

Pros

  • Fixed-rate only (fixed rate), so the payment holds steady across a term of 1 to 120.
  • A single application covers personal, car, debt consolidation and a credit line (personal, car and debt consolidation).
  • Funds reach the account Money on the account within 24 hours after credit approval.

Cons

  • The credit check is hard, so a full search sits on the file whatever the offer.
  • Support runs on email and phone only.
  • Eligibility is narrow: EU citizens resident in Austria, a minimum income, and a current account in your own name.
durchblicker.at

Ready to try durchblicker.at?

Scored 8.8 / 10 by BorrowCue.

See alternatives

Who it suits

  • Austrian residents with a permanent contract who can absorb a hard credit check (hard).
  • Readers consolidating instalments, since debt consolidation and a credit line sit in the range (personal, car and debt consolidation).
  • Home buyers and movers, with property lending for purchase and remortgage (purchase and remortgage) at an initial rate of 3.305% and an APRC of 3.819%.

Who should look elsewhere

  • Readers chasing the lowest headline rate: compare Monzo Flex at 10% to 23% and Cashspace at PHP 12 to PHP 36 before choosing a broker (broker).
  • Applicants who want a softer search before committing, since the check here is hard and runs on every application.

Where it sits among rivals

Loan size ranks 527 of 685 brands on the site, so durchblicker.at sits mid-table for how much you can borrow. The APR rank is 135 of 350, which puts pricing ahead of most of the field. Amount and rate therefore pull in opposite directions here.

Safety and regulation

The published example runs at a fixed rate with no processing fee, no credit check fee and no account fee, so the quoted monthly payment is the full cost. durchblicker.at works as a broker (broker), so the lender behind an offer is named once you apply. It is listed in the GISA Gewerberegister and the WKO Versicherungsvermittlerregister, registration 25110913 / 27929766.

How durchblicker.at compares

Where durchblicker.at is available

Available
Austria
Licence in Austria
GISA Gewerberegister / WKO Versicherungsvermittlerregister (Gewerbliche Vermoegensberatung, eingeschraenkt auf Personal- und Hypothekarkreditvermittlung, §94 Z75 GewO) (25110913 / 27929766), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate do the loans run at?+

The advertised rate is 8.839% as an effective annual rate, set as fixed pricing (fixed). That sits under the site median of 12%. Terms run 1 to 120, so the monthly figure changes with the length you pick.

Is there an arrangement or processing fee?+

Arrangement fees are free, listed as 0 EUR and 0%. The published example adds no processing fee, no credit check fee and no account fee, so the quoted monthly payment is the full monthly cost at that rate.

How much can I borrow, and for how long?+

Amounts run €100 to €75,000 and terms run 1 to 120, which covers small credit lines as well as larger consolidation balances. The range covers personal, car, debt consolidation and a credit line (personal, car and debt consolidation), all on fixed pricing.

How fast is the payout?+

Funding is quick: Money on the account within 24 hours after credit approval. That clock starts once credit is approved, so the hard credit check and the lender's decision come before the money moves. Plan the payment date around approval rather than the application date.

What credit check and eligibility apply?+

Applications use a hard credit check. The stated eligibility covers adults who are EU citizens with a main residence in Austria, earn above a minimum monthly income, hold a permanent contract or draw a pension, and keep a current account in their own name, and it excludes politically exposed people.

Who regulates the broker?+

durchblicker GmbH (durchblicker GmbH) sits in Austria (AT) and works as a broker (broker), so the lender is named at application stage. It appears in the GISA Gewerberegister and the WKO Versicherungsvermittlerregister, registration 25110913 / 27929766.

Can I borrow for a car, a home or to clear other debts?+

The listed use case is home improvement (home improvement), and the range adds car and debt consolidation loans (personal, car and debt consolidation). Property lending runs separately for purchase and remortgage (purchase and remortgage), at an initial rate of 3.305% and an APRC of 3.819% over a fixed period of 5 to 20.

Sources

  • durchblicker.at/fixzinskredit checked September 26, 2026

    Backs: Fixed period

    “The fixed-rate phase for a Fixzinskredit (fixed-rate mortgage) can be 5, 10, 15 or 20 years.”

  • durchblicker.at/immobilienkredit checked September 26, 2026

    Backs: APRC, Initial rate, Purpose

    “Representative calculation example Immobilienkredit, 100,000 EUR, 35 years ... the effective annual rate is 3.819% p.a.”

  • durchblicker.at/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity

  • durchblicker.at/kredit checked September 26, 2026

    Backs: Lender type, Loan types, Pricing model, Arrangement fee, Representative example, Use cases

  • durchblicker.at/online-kredit-beantragen checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Funding time, Origination fee (%), Rate type, Support channels, Term

    “01 / 30 60 900 - 40 ... ratenkredit@durchblicker.at”

  • durchblicker.at/unternehmen checked September 26, 2026

    Backs: Founded

    “Since 2010 we help Austrian households optimise their fixed costs ... since the launch in 2010 durchblicker has written an impressive start-up success story.”

  • gisa.gv.at/versicherungsvermittlerregister checked September 26, 2026

    Backs: Licences

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

durchblicker.at

durchblicker.at

Austrian borrowers after a fixed-rate loan with no upfront fee.

8.8/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings