Verivox review

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

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Our verdict

Verivox is a German broker rather than a lender, so it suits borrowers comparing fixed rate instalment loans, car finance and debt consolidation in one place. The quoted APR runs 0.68% to 10.99% and the arrangement fee sits at 0, with a soft prequalification check first.

Key facts

Best for
Comparing fixed rate German instalment loans with nothing to pay upfront.
APR
0.68% to 10.99% (Source, checked September 26, 2026)
Loan amount
€500 to €100,000 (Source, checked September 26, 2026)
Term
12 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Instant payout within 3 minutes via account check; many partner banks pay out within 24 hours of approval (Source, checked September 26, 2026)
Representative example
20,000 EUR net loan over 84 months at 8.38% effective annual rate, 312.47 EUR monthly instalment, 26,247.48 EUR total (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, permanent residence in Germany and a German bank account (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Verivox Finanzvergleich GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1998 (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
verivox.de

Mortgages

Initial rate
4.37% (Source, checked September 26, 2026)
Fixed period
5 years (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
Verivox Finanzvergleich GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1998 (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataXTrustpilot

Pros and cons

Pros

  • Arrangement fee of 0 and a product fee of €0 on the loans it quotes.
  • Quoted APRs run 0.68% to 10.99% against a 12.25% median for personal loans on this site.
  • The credit check listed is a soft prequalification, and same day funding funding is offered.
  • Free early repayment on fixed rate loans, with terms of 12 to 120.

Cons

  • Verivox is a broker, so the loan contract sits with a partner bank and the final terms are set there.
  • Business lending is not among its listed loan types (personal, debt consolidation and car) or its use cases (home improvement).
  • Every loan listed is fixed rate at a fixed rate, so a variable option is not among them.
Verivox

Ready to try Verivox?

Scored 9.2 / 10 by BorrowCue.

See alternatives

Who it suits

  • German residents with a German bank account who want fixed rate instalment loans compared in one place.
  • Borrowers consolidating debt, financing a car or funding home improvement, since personal, debt consolidation and car and home improvement cover those purposes.

Who should look elsewhere

  • Borrowers outside Germany or without a German bank account, as Verivox needs permanent residence in Germany and a local account, with Cashspace at PHP 12 to PHP 36 as another market to check.
  • Anyone needing a variable rate or a business facility, since Verivox lists fixed rate loans and the purposes in personal, debt consolidation and car only, with Monzo Flex at 10% to 23% for comparison.

Safety and regulation

Verivox is a broker, so the loan contract is with a partner bank rather than with the site. The Gewerbeamt der Stadt Heidelberg is the regulator named for the German market. In the representative example a mid sized net loan is repaid over years, with the total repayable well ahead of the sum borrowed, so weigh that figure against the 12% typical here.

Who runs it

The business behind the site trades as Verivox Finanzvergleich GmbH, sits in DE and has been trading since 1998. It works as a broker, so partner bank offers are compared rather than money lent directly. Support runs on phone, email and chat, so phone, email, chat and a help centre are all covered, and there is a self service route for common questions.

How Verivox compares

Where Verivox is available

Available
Germany
Licence in Germany
Gewerbeamt der Stadt Heidelberg, checked September 26, 2026

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

Frequently asked questions

What does Verivox charge for arranging a loan?+

Nothing to pay to use the comparison. The arrangement fee on the loans it quotes is 0, the percentage element is 0% and the product fee is €0. What follows is the interest on the loan itself and the instalments you agree.

What APR can I expect on a consumer loan?+

The rates listed for consumer loans run 0.68% to 10.99%, which puts the stronger end of that range below the 12% median for personal loans here. Those rates go to the strongest files, so read 0.68% to 10.99% as a headline rather than a promise.

How much can I borrow and over what term?+

Loan amounts run €500 to €100,000 and terms run 12 to 120. Home improvement is the named use case, so a renovation quote at the lower end of €500 to €100,000 can be covered without collateral. Longer terms under 12 to 120 cut the instalment but raise the total repayable.

Will asking for a quote affect my credit file?+

The check listed is a soft prequalification, so an initial enquiry carries less weight on your file than a completed application. A full check follows at the partner bank once you apply, and that is the point at which the file is assessed properly.

How fast does the money arrive?+

Same day funding is listed as a feature, so same day funding applies. Money can land within minutes when the payout runs through an account check, and many partner banks pay out within a day of approval. Some transfers take longer, so plan around the approval date.

Who do I deal with, and who regulates it?+

The site trades as Verivox Finanzvergleich GmbH and works as a broker, which means partner banks hold the loan contract rather than Verivox itself. The Gewerbeamt der Stadt Heidelberg is the regulator named for the German market, and 1998 is the year the business began trading.

What kinds of loan does it cover?+

It covers personal, debt consolidation and car loans, and home improvement is its named use case. Consolidation and car finance sit alongside general personal loans, so a single search can cover a new car, a kitchen or several balances brought into one instalment.

Can I repay a loan early without a charge?+

Yes, free early repayment is listed, so settling a loan ahead of the end of 12 to 120 carries no charge. The loans are fixed rate, so an early payment cuts the total interest instead of triggering a fee.

Sources

  • verivox.de checked September 26, 2026

    Backs: Product fee, Representative example

    “Bsp. gem. § 17 PAngV: Nettokreditbetrag 20.000 €, 8,07 % Sollzins geb. p.a., 8,38 % eff. Zins p.a., 84 Monate Laufzeit, mtl. Raten à 312,47 € p.M., 26.247,48 € Gesamtbetrag.”

  • verivox.de/baufinanzierung checked September 26, 2026

    Backs: Purpose

    “Finanzierungszweck (z.B. Kauf oder Anschlussfinanzierung)”

  • verivox.de/baufinanzierung/bauzinsen checked September 26, 2026

    Backs: Fixed period, Initial rate

  • verivox.de/company/impressum checked September 26, 2026

    Backs: Legal entity, Lender type, Licences

    “Berufsbezeichnung: Darlehensvermittler nach § 34c Abs. 1 Nr. 2 GewO, Bundesrepublik Deutschland”

  • verivox.de/company/ueber-uns checked September 26, 2026

    Backs: Founded, Headquarters

    “Verivox bringt seit 1998 Transparenz in Märkte”

  • verivox.de/kredit/zinsen checked September 26, 2026

    Backs: APR, Pricing model, Arrangement fee, Origination fee (%), Rate type

  • verivox.de/ratenkredit checked September 26, 2026

    Backs: Loan amount, Credit check, Eligibility, Features, Free early repayment, Funding time, Loan types, Support channels, Term, Use cases

    “Ihre persönlichen Zinsen fragen Sie Schufa-neutral über unser Formular oder noch schneller per digitalem Kontocheck an. [...] garantiert Schufa-neutral”

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

Verivox

Verivox

Comparing fixed rate German instalment loans with nothing to pay upfront.

9.2/10See alternatives

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