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auxmoney review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

auxmoney suits German borrowers with a fair credit record who want a fixed rate loan and money in the account within a day. The headline rate of 4.55% sits well under the median across the personal loans ranking, and the soft prequalification check keeps a first application light.

Key facts

Best for
A fixed rate German personal loan, from €1,000 to €50,000, with a soft prequalification check and a broker rather than a lender.
APR
4.55%↗
Loan amount
€1,000 to €50,000↗
Term
12 to 84 months↗
Arrangement fee
One-off brokerage fee averaging 3.5% of the net loan amount, plus a EUR 2.50 payout service fee, already included in the monthly instalments↗
Credit check
Soft prequal↗
Funding time
Disbursement usually within 24 hours (up to 72 hours with PostIdent)↗
Representative example
Effective rate 4.55% p.a., 84 months, loan amount EUR 12,500 incl. fees and Sorglos-Paket, payout EUR 10,027↗
Rate type
Fixed↗
Lender type
Broker↗
Free early repayment
No↗
Eligibility
At least 18 years old, residence in Germany, regular income, German current account; non-EU citizens need a valid residence permit covering the term↗
Origination fee (%)
3.5%↗
Loan types
Personal, Debt-consolidation↗
Credit needed
Fair↗
Use cases
Home-improvement↗
Legal entity
auxmoney GmbH↗
Headquarters
Germany↗
Founded
2007↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
auxmoney.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataLinkedInTrustpilotXxing.com

Pros and cons

Pros

  • Headline rate of 4.55%, comfortably under 14.43% across the personal loans ranking
  • Soft prequalification credit check with a fair credit record expected, so an application does not need a full file search
  • Disbursement usually the same day, a feature 57.5% of the wider ranking
  • Personal loans and debt consolidation, with home improvement such as home improvement among the stated uses

Cons

  • Free early repayment is not offered, so settling the balance early carries a cost for the borrower
  • Brokerage fee of 3.5% on the net loan amount plus a small payout service fee, already inside the monthly instalments
  • It works as a broker, and most of this ranking lends directly, so the partner bank comes from the match rather than a choice
auxmoney

Ready to try auxmoney?

Scored 8.9 / 10 by SumCue.

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Who it suits

  • German residents with regular income and a German current account, applying as adults from within Germany
  • Borrowers consolidating existing debts into a single fixed rate instalment rather than several monthly ones
  • People funding home improvement who want cash in the account quickly rather than at a branch appointment

Who should look elsewhere

  • Anyone who expects to repay the loan early, since free early repayment is not offered here
  • Borrowers outside Germany, since residence in Germany and a German current account are required to apply
  • Readers who want a direct lender, since most of the ranking lends directly rather than through a broker

How auxmoney compares

Where auxmoney is available

Available
Germany
Licence in Germany
Stadt Duesseldorf, Ordnungsamt, Abt. Gewerberechtliche Angelegenheiten (loan brokerage permit under Sec. 34c Abs. 1 S. 1 Nr. 2 GewO), checked September 26, 2026
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026

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

Frequently asked questions

What rate does auxmoney charge on a personal loan?+

The headline rate is 4.55% on a fixed basis, and the model is listed as fixed rate. That rate sits well below the median across the personal loans ranking. Terms run 12 to 84 and amounts €1,000 to €50,000.

What extra fees sit on top of the rate?+

A one-off brokerage fee averaging 3.5% of the net loan amount is charged, plus a small payout service fee. Both are already included in the monthly instalments, so nothing is billed separately after payout.

How long does it take to get the money?+

Disbursement usually happens within a day of approval, so same day funding is a genuine selling point. When identity checks run through PostIdent the wait can stretch, and the representative example shows the timing borrowers should plan around.

Is the credit check hard or soft?+

The check is a soft prequal process, and the level of credit expected is fair. That makes it easier to test eligibility before committing. A hard search is the norm in this category, so this sits on the lighter side.

Who regulates auxmoney?+

The loan brokerage permit for Germany sits with Stadt Duesseldorf, Ordnungsamt, Abt. Gewerberechtliche Angelegenheiten, and BaFin is named for Germany too. As a broker, auxmoney arranges offers from partner banks rather than lending its own money, and the auxmoney GmbH entity sits behind the service.

Who can apply?+

Applicants must be adults, live in Germany, have regular income and hold a German current account. Non-EU citizens need a valid residence permit that covers the full term, which matters for anyone on a temporary permit.

Can I repay the loan early?+

Free early repayment is not offered on these loans, so settling the balance early comes with a cost. Borrowers who expect to overpay or wind up the loan soon should compare a lender that allows free settlement instead.

What is auxmoney and what does it offer?+

It is a broker, run as auxmoney GmbH and founded in 2007, based in Germany. It offers personal and debt consolidation loans, with home improvement as a typical use, and support through email, phone and help centre.

Sources

  • auxmoney.com checked September 26, 2026

    Backs: Features

  • auxmoney.com/about checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Licences

    “auxmoney GmbH, Kasernenstraße 67, D-40213 Düsseldorf; Amtsgericht Düsseldorf, HRB 56768”

  • auxmoney.com/faq/kreditnehmer-faq checked September 26, 2026

    Backs: Loan amount, Free early repayment, Support channels

    “Bitte kontaktiere uns hierfür per E-Mail an info@auxmoney.com oder unter Tel. 0211 737 100 020 (Mo.- Fr. 8-20 Uhr)”

  • auxmoney.com/kredit/darlehen-kreditrechner.html checked September 26, 2026

    Backs: APR, Representative example

    “Eff. Zins 4,55 % p.a., 84 Monate, Kreditbetrag 12.500 € (inkl. Geb., Sorglos-Paket), Auszahlungsbetrag € 10.027”

  • auxmoney.com/kredit/darlehen-privatkredit.html checked September 26, 2026

    Backs: Credit check, Credit needed, Founded, Funding time, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Term, Use cases

  • auxmoney.com/kredit/sofortkredit.html checked September 26, 2026

    Backs: Eligibility

    “Mindestens 18 Jahre alt ... Wohnsitz in Deutschland ... Deutsches Girokonto ... Regelmäßiges Einkommen”

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

auxmoney

auxmoney

A fixed rate German personal loan, from €1,000 to €50,000, with a soft prequalification check and a broker rather than a lender.

8.9/10See alternatives