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Capitalo review

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

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Our verdict

Capitalo is a German loan marketplace covering fixed rate instalment, car, debt consolidation and study loans, so it suits borrowers with a German bank account who want a single comparison across many partner banks. Its origination fee is 0 EUR (no fee charged to the customer), and rates run 0.68% to 19.99%.

Key facts

Best for
Comparing fixed rate instalment loans in Germany without paying a setup charge.
APR
0.68% to 19.99%↗
Loan amount
€1,000 to €100,000↗
Term
6 to 120 months↗
Arrangement fee
0 EUR (no fee charged to the customer)↗
Credit check
Soft prequal↗
Funding time
0-3 business days (some lenders pay out the same day)↗
Representative example
DKB Privatkredit: 15,000 EUR over 120 months at 6.79% effective annual rate, 171.04 EUR per month, total 20,523.61 EUR↗
Rate type
Fixed↗
Lender type
Marketplace↗
Free early repayment
Yes↗
Eligibility
Minimum age 18, main residence in Germany, German bank account (IBAN), regular income from employment, civil service or pension↗
Loan types
Personal, Car, Debt-consolidation, Business, Student↗
Credit needed
Fair↗
Use cases
Home-improvement↗
Legal entity
Capitalo Finanzservices GmbH (Amtsgericht Koblenz, HRB 31021)↗
Headquarters
Germany↗
Founded
2014↗
Support channels
Email, Chat, Phone↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
capitalo.de

Mortgages

Initial rate
4.06%↗
APRC
4.06%↗
Fixed period
10 years↗
Maximum loan to value
100%↗
Product fee
€0↗
Purpose
Purchase, Remortgage↗

Savings

Monthly fee
€0↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Elsewhere
WikidataLinkedInxing.comfacebook.com

Pros and cons

Pros

  • The origination fee is 0 EUR (no fee charged to the customer) and the monthly fee is €0.
  • Loans of €1,000 to €100,000 placed through a single comparison, covering personal, car and debt consolidation.
  • Free early repayment, so clearing the balance ahead of schedule costs nothing.
  • A soft prequal process, and help on email, chat and phone.

Cons

  • Eligibility requires a main residence in Germany, a German bank account and regular income, so the loans do not open to borrowers living elsewhere.
  • Capitalo is a marketplace, so the partner bank sets the final rate and makes the credit decision after the soft prequal.
  • The top of the 0.68% to 19.99% range sits above 15.5%, the median across the site's loans.
Capitalo

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Adults in Germany with regular income from employment, civil service or a pension who want a fixed rate instalment loan.
  • Borrowers consolidating debt, financing a car or covering study costs through a single comparison form.
  • Homebuyers and remortgagers, since the mortgage side offers a fixed period and a product fee of €0.

Who should look elsewhere

  • Borrowers outside Germany. Cashspace quotes PHP 12 to PHP 36 in a different market, while Capitalo's eligibility needs a main residence in Germany and a German bank account.
  • Anyone after a larger euro borrowing need from a single lender. Creduma ES starts at from €12,000.

How Capitalo compares

Where Capitalo is available

Available
Austria, Germany, Switzerland
Licence in Germany
IHK Koblenz (Section 34d(1) GewO insurance representative) (D-UGAT-G3WAR-66), checked September 26, 2026
Licence in Germany
Verwaltung Mayen-Koblenz / Stadtverwaltung Bendorf (Section 34f(1) GewO financial investment intermediary) (D-F-152-DPJW-16), checked September 26, 2026

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

Frequently asked questions

Does Capitalo charge a fee?+

No. The origination fee is 0 EUR (no fee charged to the customer), and the site lists a monthly fee of €0. On the mortgage side the product fee is €0. What you pay is the interest your partner bank charges, so the rate and term decide the cost rather than a setup charge.

What rates does Capitalo offer?+

It is a marketplace, so rates come from partner banks and sit at 0.68% to 19.99%. The instalment product is fixed, which keeps the payment steady through the term. Compare that top figure with 15.5%, the median across the site's loans.

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

The instalment loans cover €1,000 to €100,000 over terms of 6 to 120. Because the rate is fixed, a longer term lowers the monthly payment but adds interest overall, and the worked example on the site stretches a bank partner's loan across a long fixed term to keep the payment small.

What credit check and credit record are needed?+

The comparison runs as a soft prequal, so a soft prequalification comes first, and the credit asked for is fair. The partner bank then makes its own decision on the application, so a soft check here does not promise an offer or the headline rate.

Who can apply?+

Applicants must be adults living mainly in Germany, with a German bank account for the payout and regular income from employment, civil service or a pension. The operation sits in Germany (DE), so the whole route from comparison to disbursement is built for that market.

How fast is the money?+

Payout on the instalment loans takes 0-3 business days (some lenders pay out the same day), and the comparison lists same day funding as a feature. Timing depends on the partner bank and on how quickly you finish the application, so treat a same day payout as a possibility rather than a promise.

Is Capitalo regulated, and who runs it?+

Capitalo Finanzservices GmbH operates the site, and the permissions listed are insurance representative status with the IHK Koblenz (D-UGAT-G3WAR-66) and financial investment intermediary status with the Verwaltung Mayen-Koblenz (D-F-152-DPJW-16). As a marketplace it does not lend the money itself.

Does Capitalo arrange mortgages as well?+

Yes, for purchase and remortgage, at an initial rate of 4.06% and an APRC of 4.06%, fixed for 10. Borrowing can run to 100% of the property value and the product fee is €0, so plan for the rate to move once the fixed period ends.

Sources

  • capitalo.de checked September 26, 2026

    Backs: Monthly fee, Arrangement fee

    “Yes, all comparisons and information on Capitalo are completely free for you”

  • capitalo.de/anbieter/smava/produkte/ratenkredit checked September 26, 2026

    Backs: Credit needed, Eligibility, Rate type

    “The entry rate from 0.68% effective applies to borrowers with first-class creditworthiness; the representative two-thirds rate is 8.70%”

  • capitalo.de/baufinanzierung checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose

    “bis 50 bis 60 % | 4,06 % | Beste am Markt erreichbare Effektivzinsen nach Beleihungsauslauf, 10 Jahre Zinsbindung, Stand 11.09.2026”

  • capitalo.de/erstinformation checked September 26, 2026

    Backs: Support channels

    “We offer you advice by phone, e-mail or chat”

  • capitalo.de/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

    “Zeisigweg 2A, 56170 Bendorf, Deutschland”

  • capitalo.de/kredit checked September 26, 2026

    Backs: APR

    “In our credit comparison the effective annual rates range from 0.68% to 19.99%”

  • capitalo.de/kredit/ratenkredit checked September 26, 2026

    Backs: Loan amount, Free early repayment, Funding time, Pricing model, Term, Use cases

    “Typical loan amounts are between 1,000 and 100,000 EUR”

  • capitalo.de/kredit/vergleich checked September 26, 2026

    Backs: Credit check, Features, Representative example

    “The Capitalo credit comparison uses only condition requests (Konditionsanfragen), which have no effect on your SCHUFA score”

  • capitalo.de/unternehmen checked September 26, 2026

    Backs: Founded, Lender type, Loan types

    “Capitalo Finanzservices GmbH is an independent financial comparison portal based in Bendorf (DE), founded in 2014 in Austria and active in Germany since 2017”

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Capitalo

Capitalo

Comparing fixed rate instalment loans in Germany without paying a setup charge.

9.0/10See alternatives