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Bon-Kredit 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

Bon-Kredit matches borrowers with lenders for fixed rate personal, car and debt consolidation loans, and suits anyone whose credit file is thin. Loan amounts run €1,000 to €100,000, and the credit application carries 0 EUR - no upfront costs for the credit application.

Key facts

Best for
Fixed rate loans with a free application and a quick payout, aimed at thin credit files.
APR
2.79% to 15.99%↗
Loan amount
€1,000 to €100,000↗
Term
12 to 120 months↗
Arrangement fee
0 EUR - no upfront costs for the credit application↗
Funding time
Sofortkredit disbursed within 24 hours↗
Representative example
Sollzinssatz 7,98% fest, Effektiver Jahreszins 8,29%, Nettokreditbetrag 10.000 EUR, Vertragslaufzeit 72 Monate, Monatliche Rate 175,29 EUR↗
Rate type
Fixed↗
Lender type
Broker↗
Loan types
Personal, Car, Debt-consolidation↗
Credit needed
Poor↗
Legal entity
Master Media Group AG↗
Headquarters
Switzerland↗
Founded
1972↗
Support channels
Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
bon-kredit.de

Mortgages

Initial rate
7.98%↗
APRC
8.29%↗
Fixed period
6 years↗
Product fee
€0↗
Purpose
Purchase↗

Facts checked September 26, 2026, 5 sources

Pros and cons

Pros

  • Loans are priced at a fixed rate, fixed, so the payment holds steady while the term runs.
  • Same day payout is one of the listed features, same day funding.
  • The credit application carries 0 EUR - no upfront costs for the credit application.
  • Loan types span personal, car and debt consolidation, personal, car and debt consolidation.

Cons

  • Support runs on help centre only, so there is no phone line for anything urgent.
  • The top of the 2.79% to 15.99% range sits above the personal loan median of 14.43% across the site.
  • As a broker, the contract is with a partner lender rather than with the brand itself.
Bon-Kredit

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Scored 9.3 / 10 by SumCue.

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Who it suits

  • Borrowers with a thin credit file, since poor credit is the profile listed, poor.
  • Anyone who wants a fixed structure, fixed, and a quick payout, Sofortkredit disbursed within 24 hours.
  • Applicants in Switzerland, where the legal entity behind the site is Master Media Group AG.

Who should look elsewhere

  • Cashspace, whose APR of PHP 12 to PHP 36 is priced in Philippine pesos, works in a different market.
  • Sofkredit, where the 10.74% to 18.06% range starts higher, suits borrowers who accept a bigger minimum rate.
  • Creduma ES, with a minimum loan of from €12,000, suits borrowers after a larger euro loan.

Deposit protection

Bon-Kredit works as a broker, so the borrower deals with a partner lender and the money goes out as a loan rather than sitting on deposit with the brand. The representative example gives the shape of a deal: a fixed rate held for the whole term, repaid in equal monthly instalments until the balance is cleared.

How Bon-Kredit compares

Where Bon-Kredit is available

Available
Germany, Switzerland
Licence in Switzerland
Amt fuer Wirtschaft und Arbeit, Frauenfeld, checked September 26, 2026

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

Frequently asked questions

What does a Bon-Kredit application cost?+

The credit application carries 0 EUR - no upfront costs for the credit application, and the property product lists €0 as its fee. The cost you weigh is the interest on the balance, so read the representative example to see how the rate turns into a monthly payment.

What rate will I pay?+

Loans are priced at a fixed rate, fixed, and the range runs 2.79% to 15.99%. The representative example pairs the nominal rate with an effective annual rate of 8.29%, so weigh the deal on the effective figure, since it settles with the monthly instalments.

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

Loan amounts run €1,000 to €100,000 and terms run 12 to 120, so you can match the balance and the schedule to the bill in front of you. A car loan and a debt consolidation loan sit inside the same range, and the longer end spreads the cost over years.

Is Bon-Kredit the lender?+

It works as a broker, so the application is placed with a lender and the contract is signed with that lender rather than with the brand. The legal entity behind the site is Master Media Group AG, based in Switzerland.

Who regulates the brand?+

The listed licence sits in CH with the Amt fuer Wirtschaft und Arbeit, Frauenfeld. Because the site works as a broker rather than as the lender itself, it is worth checking which partner signs your contract before you accept an offer.

How quickly does the money arrive?+

Disbursement is quick: Sofortkredit disbursed within 24 hours. Same day funding is one of the listed features, same day funding, so the speed sits with the payout rather than with the decision, and the money comes from the partner lender.

What credit history do I need?+

Poor credit is the profile listed, poor, and 44.9% of the brands on the site accept the same, so the bar sits lower than at a high street bank. A credit check still runs with the partner lender before any offer is made.

How do I get help?+

Support runs on help centre only, so questions go to the help centre rather than to a phone line or an inbox. Have your application details and contract reference ready, and expect written answers rather than a same day call.

Sources

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

Not confirmed yet: Credit check.

Bon-Kredit

Bon-Kredit

Fixed rate loans with a free application and a quick payout, aimed at thin credit files.

9.3/10See alternatives