Giromatch review

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

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Our verdict

Giromatch is a German broker whose fixed-rate loans start at an APR of 4.62%, with terms from 1 to 120 and free early repayment. It suits adults with a euro bank account and a minimum monthly net income who want a soft prequalification and a payout into the account on the same day.

Key facts

Best for
A low-cost fixed-rate personal loan in euros with a soft credit check and free early repayment.
APR
4.62% (Source, checked September 26, 2026)
Loan amount
€100 to €100,000 (Source, checked September 26, 2026)
Term
1 to 120 months (Source, checked September 26, 2026)
Arrangement fee
One-off provision of 1.25% of the net loan amount (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Same-day payout on business days if applied before 16:00; instant payout within 24 hours on request (Source, checked September 26, 2026)
Representative example
Effective annual rate 4.62%, nominal rate 3.90% p.a., net loan amount EUR 10,000, term 4 years, one-off provision 1.25% of net loan amount, monthly rate EUR 228.15, total cost EUR 10,951.07 (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
18 years or older, euro bank account (SEPA), minimum EUR 500 net income per month (Source, checked September 26, 2026)
Origination fee (%)
1.25% (Source, checked September 26, 2026)
Loan types
Personal, Payday, Debt-consolidation, Credit-line, Student (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
GIROMATCH GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2014 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding, Credit line
Official website
giromatch.com

Apps and profiles

Elsewhere
XTrustpilotfacebook.com

Pros and cons

Pros

  • The credit check is a soft prequalification, so the first look at a file is lighter than a hard check.
  • Free early repayment, so clearing the balance ahead of schedule adds nothing to the bill.
  • Support runs on email, phone and help centre, so phone and email are both open.

Cons

  • A one-off provision of 1.25% of the net amount comes on top, so the low rate is not the whole cost.
  • The check is a soft prequalification (soft prequal), so a fuller assessment can still follow before money moves.
  • Giromatch is a broker (broker), so the rate is set by the lender it pairs you with rather than by Giromatch.
Giromatch

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Scored 8.7 / 10 by BorrowCue.

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Who it suits

  • Adults with a euro bank account and a minimum net income each month, which is the eligibility baseline.
  • Borrowers with a thin credit file, since the credit needed is poor (poor) and the check is soft.
  • People who want fixed-rate borrowing across personal, payday, consolidation, credit line and student loans (personal, payday and debt consolidation).

Who should look elsewhere

  • Anyone after a free rate: Cashspace ES lists 0%.
  • Borrowers weighing a wider rate range: Monzo Flex quotes 10% to 23%.

How it compares on our data

On our data the price is the strong part and the size is not. Giromatch ranks 61 of 350 brands on APR, near the cheap end of the loans we track, while the same borrowing sits at 527 of 685 on loan amount. Good value per euro, but the ceiling is not what lifts it up the tables.

How Giromatch compares

Where Giromatch is available

Available
Austria, Germany, Switzerland
Licence in Germany
Stadt Frankfurt am Main (Ordnungsamt), checked September 26, 2026
Licence in Germany
IHK Frankfurt am Main, checked September 26, 2026

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

Frequently asked questions

What rate do I pay on a Giromatch loan?+

The rate is an APR of 4.62% and the rate type is fixed, so the figure does not move with the market. Terms run 1 to 120, which lets you spread the same rate over a longer or shorter repayment. It sits well under the 12% median across the loans on our data.

What fees does Giromatch charge?+

One arrangement cost stands out, a one-off provision of 1.25% of the net amount on personal and consolidation loans (personal, payday and debt consolidation). It is charged once at the start rather than monthly, and early repayment is free, so clearing the balance early adds nothing.

Who regulates Giromatch and is my money protected?+

Giromatch is a broker, so the loan itself comes from the lender it matches you with. The legal entity is GIROMATCH GmbH, based in Germany, and the licences on file name Stadt Frankfurt am Main (Ordnungsamt) and IHK Frankfurt am Main. The application, rather than the loan, is what Giromatch holds.

Does applying to Giromatch affect my credit file?+

The check is a soft prequalification (soft prequal), so the opening search is lighter than a hard check. The stated credit needed is poor, which means a thin file is judged on its own terms rather than against an excellent one. A fuller assessment can follow once an offer is taken up.

Who can apply through Giromatch?+

Applicants need to be adults with a euro bank account and a minimum net income each month. Because the account has to run in euros, the offer suits euro area borrowers rather than someone whose salary arrives in another currency. Giromatch has been trading since 2014.

How fast can I get the money from Giromatch?+

Payout is same-day on business days for applications made before the daily cut-off, and an instant payout within a day is available on request. Same-day funding is one of the features listed (same day funding and credit line). Applications that miss the cut-off, or arrive at a weekend, wait for the next working day.

What kinds of loan does Giromatch arrange?+

Giromatch arranges personal loans, payday loans, debt consolidation, credit lines and student loans (personal, payday and debt consolidation), all on a fixed rate model (fixed rate). A credit line and same-day funding both appear among the listed features (same day funding and credit line), so a one-off loan and a revolving line both run through the same broker.

Sources

  • giromatch.com/en/about-us checked September 26, 2026

    Backs: Founded

    “2014: We incorporate GIROMATCH in Frankfurt, Germany.”

  • giromatch.com/en/affiliate-program checked September 26, 2026

    Backs: Credit needed

    “We specialize in customers who are not accepted by banks. Good creditworthiness, high income, and long-term employment are not prerequisites for monetizing your traffic.”

  • giromatch.com/en/personal-loan checked September 26, 2026

    Backs: Credit check, Loan types, Pricing model, Rate type

    “we use a "Konditionsanfrage" which is a soft credit check, not a hard inquiry”

  • giromatch.com/hilfe checked September 26, 2026

    Backs: Funding time

  • giromatch.com/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels, Licences

    “GIROMATCH GmbH, Ludwigstrasse 33, 60327 Frankfurt a. M., Germany”

  • giromatch.com/online-kredit checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Free early repayment, Lender type, Arrangement fee, Origination fee (%), Representative example, Term

    “Eff. Jahreszins 4,62%, geb. Sollzins 3,90% p.a., Nettokreditbetrag 10.000 €, Laufzeit 4 Jahre”

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

Giromatch

Giromatch

A low-cost fixed-rate personal loan in euros with a soft credit check and free early repayment.

8.7/10See alternatives

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