S Kredit-per-Klick review

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

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Our verdict

S Kredit-per-Klick suits German borrowers who already bank with Sparkasse and want fixed-rate lending released fast. Borrowing runs €1,000 to €80,000 over 12 to 120, funded Usually within a few hours, at the latest the next day, arranged as a broker rather than the lender itself.

Key facts

Best for
Sparkasse customers in Germany planning a home improvement who need fixed-rate borrowing released quickly.
Loan amount
€1,000 to €80,000 (Source, checked September 26, 2026)
Term
12 to 120 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Usually within a few hours, at the latest the next day (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 18 years old, main residence in Germany, Sparkassen current account with online banking, salary or pension paid into that account (Source, checked September 26, 2026)
Loan types
Personal, Car, Debt-consolidation, Credit-line (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
S-Kreditpartner GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Support channels
Phone, Chat, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding, Credit line
Official website
s-kreditpartner.de

Apps and profiles

Elsewhere
WikidataLinkedInkununu.com

Pros and cons

Pros

  • Borrowing of €1,000 to €80,000 over 12 to 120 at a fixed rate, so monthly payments stay level
  • Funding is Usually within a few hours, at the latest the next day
  • Free early repayment, so a balance can be cleared ahead of schedule without charge
  • Support runs on phone, chat and email

Cons

  • A hard credit check means hard searches, and approval is not guaranteed
  • Eligibility is tied to a Sparkassen current account with online banking and salary or pension paid into it
  • It arranges credit as a broker, so the final rate and terms come from the partner bank
S Kredit-per-Klick

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Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Sparkasse account holders in Germany with online banking who treat home improvement as a listed use
  • Borrowers who want a fixed rate and can handle a hard credit check
  • People who value free early repayment on a longer term

Who should look elsewhere

  • Anyone without a Sparkassen current account, since the broker serves that group only
  • Borrowers who want a variable rate or a direct relationship with the lender
  • Readers weighing Cashspace ES on amounts of €100 to €5,000 in euros

How S Kredit-per-Klick compares

Where S Kredit-per-Klick is available

Available
Germany
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Licence in Germany
Versicherungsvermittler-Register (IHK Berlin), permission under Sec. 34d(1) GewO (D-F5HW-TB9JU-10), checked September 26, 2026

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

Frequently asked questions

How much can I borrow and over what term?+

Borrowing runs €1,000 to €80,000 in euros, with terms of 12 to 120. The rate type is fixed, so the instalment stays level for the life of the loan. Home improvement is the listed use for the money, and the model is fixed rate.

How fast is the money paid out?+

Funding is Usually within a few hours, at the latest the next day, and same day funding is one of the features listed alongside a credit line. Because credit is arranged through a broker, the timetable applies to the partner bank that approves the application.

What credit check does it run?+

The check is hard and the credit level needed is good. A hard search stays on your file, so an application makes sense only when you intend to take the loan. Hard checks are also the most common on this kind of listing.

Can I repay early?+

Yes. Free early repayment is offered, so settling the balance ahead of schedule carries no charge. That pairs well with a fixed rate, since the total cost falls whenever more than the monthly instalment is repaid.

Is it a lender or a broker?+

It works as a broker, so offers come from partner banks rather than from the site itself. The legal entity is S-Kreditpartner GmbH, based in Germany. The rate and terms you are offered therefore depend on the partner bank that approves you.

Who can apply?+

Eligibility covers adults with a main residence in Germany, a Sparkassen current account with online banking, and salary or pension paid into that account. The account relationship matters as much as your credit file, so it narrows who can apply.

What kinds of loan are available?+

The loan types cover personal, car, debt consolidation and credit line. A credit line is listed among the features, so a revolving option sits alongside instalment lending, and home improvement is the stated use for a standard loan.

How do I get help?+

Support runs on phone, chat and email, covering phone, chat, email and a help centre. Phone and the help centre are the channels most often offered by providers of this kind, and all of the listed options sit here.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Representative example.

S Kredit-per-Klick

S Kredit-per-Klick

Sparkasse customers in Germany planning a home improvement who need fixed-rate borrowing released quickly.

8.9/10See alternatives

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