Kredit.de review

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

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Our verdict

Kredit.de is a German credit broker rather than a lender, so it suits adults in Germany holding a German current account who want lender offers compared side by side. Personal loans reach €120,000, and it ranks 27 of 685 brands on loan amount.

Key facts

Best for
German borrowers after a licensed broker to compare personal, car, debt consolidation and secured loans.
Loan amount
€120,000 (Source, checked September 26, 2026)
Term
12 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
Loan amount usually credited to the account within a few business days (Source, checked September 26, 2026)
Representative example
Example personal loan: 12,000 EUR, 6.17% effective annual rate, 56 months, 250.00 EUR monthly rate, total cost 13,756.13 EUR (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
Minimum age 18, main residence in Germany, German current account, sufficient and secured income (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Car, Debt-consolidation, Secured (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
KREDIT.DE AG (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2017 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
kredit.de

Mortgages

Initial rate
3.25% (Source, checked September 26, 2026)
Fixed period
10 to 40 years (Source, checked September 26, 2026)
Maximum loan to value
110% (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, Home-equity (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
KREDIT.DE AG (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2017 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
Trustpilotfacebook.cominstagram.com

Pros and cons

Pros

  • The arrangement fee on personal loans is 0 EUR and the product fee on home finance is €0, so there is no upfront charge to weigh up.
  • Personal loans reach €120,000 with terms running 12 to 120, well past the €2,500 upper quartile of amounts listed.
  • Early repayment is free, as it is for 79.5% of the lenders compared.
  • Personal, car, debt consolidation and secured lending sit together in the personal, car and debt consolidation range, with support on phone, email and help centre.

Cons

  • Kredit.de is a broker, so the rate comes from the partner lender rather than a published price.
  • Pricing runs on a fixed model under fixed rate terms, leaving no variable rate option to switch to.
  • Support runs on phone, email and help centre only, with no live chat for quick questions.
Kredit.de

Ready to try Kredit.de?

Scored 9.0 / 10 by BorrowCue.

See alternatives

Who it suits

  • Adults living in Germany with a German current account and income they can evidence, since eligibility asks for all of these.
  • Borrowers after a car loan, debt consolidation or a secured loan, as personal, car and debt consolidation covers those alongside personal lending.
  • Homebuyers and remortgagors wanting a maximum loan to value of 110% on fixed periods of 10 to 40.

Who should look elsewhere

  • Monzo Flex, which lends £10,000 to £35,000, belongs to a different currency market than the euro €120,000 range at Kredit.de.
  • Cashspace ES, capped at €100 to €5,000, is too small for a larger home project, where Kredit.de covers €120,000.

Safety and regulation

Kredit.de works as a broker, so the lender named on an offer is the party carrying the credit risk. Permissions come from IHK Hannover, including a credit intermediary licence, D-CX43-N3464-69, and a residential mortgage broking licence, D-W-133-VSXC-08. A representative example is published for a personal loan, with its effective annual rate, monthly instalment and total cost shown.

How Kredit.de compares

Where Kredit.de is available

Available
Germany
Licence in Germany
IHK Hannover (Erlaubnis nach Paragraph 34d Abs. 1 GewO, credit intermediary) (D-CX43-N3464-69), checked September 26, 2026
Licence in Germany
IHK Hannover (Gewerbeerlaubnis nach Paragraph 34c GewO), checked September 26, 2026
Licence in Germany
IHK Hannover (Immobiliendarlehensvermittler-Erlaubnis nach Paragraph 34i Abs. 1 S. 1 GewO) (D-W-133-VSXC-08), checked September 26, 2026

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

Frequently asked questions

What does Kredit.de charge for arranging a loan?+

Personal loans carry an arrangement fee of 0 EUR, and residential home finance a product fee of €0. A representative example is published for a personal loan, showing the effective annual rate, the monthly instalment and the total cost of borrowing.

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

Personal loans reach €120,000 with terms running 12 to 120. On property finance the site quotes an initial rate of 3.25% with a maximum loan to value of 110%, above the 90% across these listings, on fixed periods of 10 to 40.

Does Kredit.de lend the money itself?+

Not directly. Kredit.de is listed as a broker, so it introduces lenders rather than providing the money, and the agreement ends with the lender named on the offer. Checking which permissions the company publishes, and which lender you end up with, matters here.

Who can apply?+

Eligibility asks for adults with main residence in Germany, a German current account, and evidenced income. On the credit side the application uses a soft prequal check and the lending targets poor credit, so a prequalification is not a decision.

Which kinds of loan can be compared?+

The range covers personal, car and debt consolidation lending, so personal, car, debt consolidation and secured borrowing compare side by side, with home improvement as a use case. On property, purchase, remortgage and home equity covers purchase, remortgage and home equity work.

How quickly is the money paid out?+

The stated funding time is that the loan amount is usually credited to the account within a few business days. With a soft prequal check and broker handling, that window begins once the partner lender approves, so read it as payout time rather than total application time.

How does Kredit.de sit on cost?+

The cost score on this comparison is 7.3 out of ten, with an overall 7.3. On the maximum amount, Kredit.de ranks 27 of 685 brands, putting its €120,000 ceiling high in the list. Only 19.1% of lenders compared start with a soft prequal check.

Sources

  • kredit.de checked September 26, 2026

    Backs: Lender type, Support channels

    “Service: Finanzglossar, Datenschutz, Impressum, AGB, FAQ - Haeufig gestellte Fragen; Berater per Telefon +49 800 9998870 und per E-Mail erreichbar”

  • kredit.de/baufinanzierung checked September 26, 2026

    Backs: Product fee, Purpose

  • kredit.de/darlehen checked September 26, 2026

    Backs: Credit needed

  • kredit.de/immobilienkredit checked September 26, 2026

    Backs: Fixed period, Initial rate, Maximum loan to value

    “Beispielrechnung Immobilienkredit: Kreditbetrag 350.000 €, Zinssatz 3,25 %, Laufzeit 10 Jahre”

  • kredit.de/impressum checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Licences

    “Hauptsitz: KREDIT.DE AG, Deisterstrasse 20, 31785 Hameln, Deutschland”

  • kredit.de/konsumentenkredit checked September 26, 2026

    Backs: Pricing model, Rate type, Term

    “Term: selectable between 12 and 120 months (1 to 10 years)”

  • kredit.de/kredit checked September 26, 2026

    Backs: Credit check, Funding time, Loan types, Arrangement fee, Representative example

    “the non-binding KONDITIONSANFRAGEN from KREDIT.DE have no effect on your SCHUFA score”

  • kredit.de/kreditohneschufa checked September 26, 2026

    Backs: Origination fee (%)

    “Sie zahlen keine Beratungsgebuehren”

  • kredit.de/kreditvergleich checked September 26, 2026

    Backs: Use cases

  • kredit.de/privatkredit checked September 26, 2026

    Backs: Loan amount, Eligibility, Free early repayment

    “Personal loan: a loan amount of up to 120,000 euros”

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR.

Kredit.de

Kredit.de

German borrowers after a licensed broker to compare personal, car, debt consolidation and secured loans.

9.0/10See alternatives

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