FINANZCHECK.de review

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

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Our verdict

FINANZCHECK.de suits German borrowers who want a broker to compare bank loans rather than deal with a single lender. It charges an origination fee of 0 EUR on fixed-rate instalment loans, and approval turns on holding a German current account with regular monthly income.

Key facts

Best for
German borrowers comparing fixed-rate instalment loans from several banks in one place.
APR
-0.4% to 19.9% (Source, checked September 26, 2026)
Loan amount
€1,000 to €150,000 (Source, checked September 26, 2026)
Term
6 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
24 to 72 hours by bank transfer after credit approval; 24 hours for Sofortkredit (Source, checked September 26, 2026)
Representative example
Ratenkredit: Nettodarlehensbetrag 50.000,00 EUR, 60 Monate, 8,70% effektiver Jahreszins, 8,37% gebundener Sollzins, 60 Raten zu je 1.022,73 EUR, Gesamtbetrag 61.363,57 EUR, Vereinigte Volksbank Raiffeisenbank eG (Paragraf 17 PAngV) (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Of age, residence in Germany, German current account, regular monthly income, sufficient creditworthiness (Source, checked September 26, 2026)
Loan types
Personal, Car, Debt-consolidation, Secured, Bridging (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
FFG FINANZCHECK Finanzportale GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2010 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
finanzcheck.de

Apps and profiles

Elsewhere
WikidataLinkedInXTrustpilotprovenexpert.comekomi.de

Pros and cons

Pros

  • Origination fee of 0 EUR
  • Fixed rates across terms of 6 to 120
  • Soft prequalification credit check
  • Free early repayment on every loan

Cons

  • Rates reach -0.4% to 19.9% at the top of the range
  • Funding time is a bank transfer window after approval, not instant
  • Support runs on phone, email and help centre
FINANZCHECK.de

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Adults in Germany with a German current account and regular monthly income
  • Borrowers consolidating existing debts into one fixed-rate instalment

Who should look elsewhere

  • Cashspace ES, where the listed rate is 0% and nothing is repaid over time
  • Monzo Flex, which lends direct at 10% to 23%

Safety and regulation

FINANZCHECK.de is a broker, not a lender, so the bank that approves you sends the money. It is licensed as a loan broker by Freie und Hansestadt Hamburg, Bezirksamt Hamburg-Mitte, and registered with Handelskammer Hamburg as an Immobiliardarlehensvermittler, reference D-W-131-44FU-21. The instalment loan example names Vereinigte Volksbank Raiffeisenbank eG as lender.

Who runs it

The site trades as FFG FINANZCHECK Finanzportale GmbH, based in Germany and running since 2010. Contact runs through phone, email and help centre, covering phone, email and a help centre. Its Handelskammer Hamburg registration for property loan broking is D-W-131-44FU-21.

How FINANZCHECK.de compares

Where FINANZCHECK.de is available

Available
Germany
Licence in Germany
Freie und Hansestadt Hamburg, Bezirksamt Hamburg-Mitte (Darlehensvermittler, Paragraf 34c Abs. 1 Nr. 2 GewO), checked September 26, 2026
Licence in Germany
Handelskammer Hamburg (Immobiliardarlehensvermittler, Paragraf 34i Abs. 1 S. 1 GewO) (D-W-131-44FU-21), checked September 26, 2026

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

Frequently asked questions

What will a FINANZCHECK.de loan cost me?+

Rates on the brokered loans run at -0.4% to 19.9%, with the final figure set by the bank that approves you. The origination fee is 0 EUR, so setting the loan up costs nothing extra. Sums borrowed range from €1,000 to €150,000.

How long can I borrow for, and can I repay early?+

Terms run 6 to 120, so a sum can be spread over a shorter or much longer period. Early repayment is free, so a longer term can be cleared sooner without a charge. A longer term means a lower instalment and a higher total repaid.

How does the credit check and funding work?+

The credit check is soft prequal, so a declined application does not become a hard search. Once a bank approves, money moves by bank transfer within a short window, and the Sofortkredit route is the quicker option.

Is FINANZCHECK.de regulated?+

It is licensed as a loan broker by Freie und Hansestadt Hamburg, Bezirksamt Hamburg-Mitte, and registered with Handelskammer Hamburg as an Immobiliardarlehensvermittler, reference D-W-131-44FU-21. As a broker it does not lend the money itself, so approval and terms come from the bank.

Who can apply, and for what?+

Applicants must be adults living in Germany with a German current account, regular monthly income and sufficient creditworthiness. The comparison covers personal, car, debt consolidation, secured and bridging loans, with home improvement as the listed use case.

Who do I speak to for help?+

Support runs on phone, email and help centre, covering phone, email and a help centre. The trading company is FFG FINANZCHECK Finanzportale GmbH, based in Germany and running since 2010, so help comes from the same firm that runs the comparison.

Sources

  • finanzcheck.de checked September 26, 2026

    Backs: Loan amount, APR, Loan types, Representative example, Term, Use cases

    “Ratenkredit Konditionen Uebersicht: Zinssaetze: Min. -0,40 % bis max. 19,90 % effektiver Jahreszins”

  • finanzcheck.de/faq checked September 26, 2026

    Backs: Free early repayment, Arrangement fee

  • finanzcheck.de/ratenkredit checked September 26, 2026

    Backs: Credit check, Funding time, Pricing model, Rate type

  • finanzcheck.de/sofortkredit checked September 26, 2026

    Backs: Eligibility

  • finanzcheck.de/uber-uns checked September 26, 2026

    Backs: Founded

    “Finanzcheck.de wurde 2010 in Hamburg gegruendet”

  • finanzcheck.de/uber-uns/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Support channels, Licences

    “Sitz der Gesellschaft: Hamburg”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

FINANZCHECK.de

FINANZCHECK.de

German borrowers comparing fixed-rate instalment loans from several banks in one place.

9.0/10Visit

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