Updated September 28, 2026 · SumCue Editorial Team
Credigenio vs DKB (Deutsche Kreditbank)
Credigenio
DKB (Deutsche Kreditbank)
Higher score in this comparison
Credigenio vs DKB (Deutsche Kreditbank): the differences
| Compare | CredigenioReviewVisitVisit | DKB (Deutsche Kreditbank)ReviewVisitVisit |
|---|---|---|
| APR | 0% to 36%Lower | 6.99% |
| Loan amount | MX$1,000 | €2,500 to €100,000 |
| Term | 3 to 4 months | 12 to 120 monthsHigher |
| Credit check | Hard | Soft prequal |
| Funding time | 15-30 minutes | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days |
| Representative example | Loan of 1000$ over 91 days: costs 0 pesos, total repayable 1000$ at 0% CAT | Nettodarlehensbetrag 15.000 Euro, Laufzeit 120 Monate, effektiver Jahreszins 6,99 % p. a., mtl. Rate 172,43 Euro, Gesamtbetrag 20.691,92 Euro |
| Lender type | Broker | Direct lender |
| Eligibility | 18+, valid INE, active mobile number and a bank account in your own name; no income proof or collateral for most small loans | Of age and main residence in Germany; not self-employed or freelance; in permanent employment or on an indefinite pension; German mobile number and online-banking access to the salary account |
| Loan types | Personal | Personal, Car, Debt consolidationCovers more |
| Arrangement fee | 0 MXN | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Credit needed | Fair | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Free early repayment (Yes).
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.
Key differences
- DKB (Deutsche Kreditbank) scores higher overall: 9.0 vs 8.8.
- Credigenio is available in 1 more country.
- APR is lower at Credigenio: 0% to 36% vs 6.99%.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 3 to 4 months.
- Support channels: only DKB (Deutsche Kreditbank) offers Help centre.
- Features: only Credigenio offers Same day funding.
- Features: only DKB (Deutsche Kreditbank) offers Travel.
- Loan types: only DKB (Deutsche Kreditbank) offers Car, Debt consolidation.
Our verdict on each
Credigenio
Credigenio suits borrowers in Mexico who need a small personal loan in minutes and can clear it early without cost. Its origination fee is 0 MXN and its term runs 3 to 4, so it is worth checking for a short bill rather than a long one.
DKB (Deutsche Kreditbank)
DKB suits adults in Germany who want a fee based Visa credit card for travel spending, a free current account and a no fee depot under one bank. Personal loans sit at a fixed rate and an APR of 6.99% with free early repayment.
Score breakdown
| Area | Credigenio | DKB (Deutsche Kreditbank) |
|---|---|---|
| Cost | 9.5Higher | 8.9Card annual fee €29.88 against site median €0; the current account and depot charge €0 and €0. |
| Offer | 8.3APR of 0% to 36%, origination fee of 0 MXN on personal loans. | 8.7Higher |
| Trust | 8.5 | 9.1Higher |
Which one suits you
Pick Credigenio if cost and apr matter most.
Pick DKB (Deutsche Kreditbank) if offer, trust, term, and loan types matter most.
From lowest to highest
| Fact | Credigenio | DKB (Deutsche Kreditbank) |
|---|---|---|
| Term | 3 to 4 months | 12 to 120 months |
How they place
| Ranking | Credigenio | DKB (Deutsche Kreditbank) |
|---|---|---|
| Loans | 14 of 2043 | 16 of 2043 |
| Personal loans | 11 of 1317 | 13 of 1317 |
Every fact side by side
| Fact | Credigenio | DKB (Deutsche Kreditbank) |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Travel |
| Legal entity | Adwells Group OÜ | Deutsche Kreditbank AG |
| Headquarters | Mexico | Germany |
| Founded | Not confirmed | 1990 |
| Support channels | Email, Help centreCovers more |
Brokers
| Fact | Credigenio | DKB (Deutsche Kreditbank) |
|---|---|---|
| Account fee | Not confirmed | €0 |
| Markets | Not confirmed | Stocks, ETFs, Funds, Bonds |
| Audience | Not confirmed | Kids |
| Platforms | Not confirmed | Web Banking, DKB App |
Debit cards
| Fact | Credigenio | DKB (Deutsche Kreditbank) |
|---|---|---|
| Monthly fee | Not confirmed | €0 |
| Card type | Not confirmed | Debit |
| Card network | Not confirmed | Visa |
Savings
| Fact | Credigenio | DKB (Deutsche Kreditbank) |
|---|---|---|
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
Mortgages
| Fact | Credigenio | DKB (Deutsche Kreditbank) |
|---|---|---|
| Fixed period | Not confirmed | 5 to 30 years |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Credigenio | DKB (Deutsche Kreditbank) | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 6.99%below the median | 9.99 |
| Term | 3 to 4 monthslowest quarter | 12 to 120 monthshighest quarter | 60 |
Median across 1096 listed providers.
Pros and cons
Credigenio
Pros
- Origination fee of 0 MXN on a personal loan, so the headline APR is the main cost
- APR of 0% to 36% against a site median of 15.5%
- Funds arrive in 15-30 minutes and the same-day funding feature is listed
Cons
- The term is 3 to 4, far shorter than the site median of 36 months, so a missed instalment lands fast
- Amounts start at MXN 1,000, which suits small sums rather than a large consolidation
- Support runs on email only, so a payment problem means writing rather than phoning
DKB (Deutsche Kreditbank)
Pros
- The 3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad and Visa Secure authentication for online purchases list covers fee free payments worldwide and emergency cash if the card is lost abroad.
- Personal loans cover personal, car and debt consolidation with free early repayment, a soft prequalification check and terms of 12 to 120.
- The current account and depot are free, deposits carry EU DGS up to EUR 100,000, and the bank was founded in 1990.
Cons
- Loan eligibility is narrow: adults with main residence in Germany, permanent employment or an indefinite pension, a German mobile number and online banking access to the salary account.
- The annual fee of €29.88 is above the site median of €0, and the rewards type is none.
- Support runs on email and help centre only, with no phone line listed.
Who each suits
Credigenio
Who it suits
- Adults in Mexico with valid official identification, an active mobile number and a bank account in their own name
- Borrowers whose file carries a hard credit check but fair credit is enough
- Anyone who values speed: 15-30 minutes to receive the money
Who should look elsewhere
- People after a long repayment period, since the term is 3 to 4 against a site median of 36 months
- Borrowers with a poor credit file, as fair credit is needed and hard applies
- Anyone wanting phone support, since help runs on email only
DKB (Deutsche Kreditbank)
Who it suits
- Adults in Germany who want a fee based Visa credit card for travel spending alongside a free current account.
- People in permanent employment planning a car purchase, home improvement or debt consolidation at a fixed rate.
- Savings and investment beginners who want a free depot covering stocks, etfs and funds.
Who should look elsewhere
- Reward seekers, since the rewards type is none, while bunq and Wise set annual fees of €0 and £0.
- Self employed and freelance applicants, and anyone without main residence in Germany, since the loan eligibility rules them out; Varo Believe Secured Credit Card suits readers who want a secured card instead.
Current offers
Credigenio
Current offer
First period offer
0% for new customers: 0% CAT on the first loan with selected lenders
Applies with selected lenders; the site's own example shows a 1000$ loan over 91 days at 0% CAT, total repayable 1000$
Source, checked September 26, 2026
DKB (Deutsche Kreditbank)
Current offer
Bonus
Welcome bonus for new credit card holders: €30
Make three purchases of €5 or more each within 6 weeks of application. Valid for applications between 08/17/2026 and 12/31/2026. Bonus credited approximately 3 months after application
Source, checked September 26, 2026
First period offer
First year annual fee waived: €29.88
First year card fee covered by promotion if bonus conditions are met
Source, checked September 26, 2026
Country by country
| Country | Credigenio | DKB (Deutsche Kreditbank) |
|---|---|---|
| Germany | No | Yes |
| Mexico | Yes | No |
| Spain | Yes | No |
Questions about each
Credigenio
What does it cost to take out a Credigenio loan?+
The origination fee is 0 MXN, and early repayment is free. The APR runs 0% to 36%, so the rate you are offered sits anywhere across that band. The representative example shows a loan with no costs added and a total repayable equal to the amount borrowed, which is one outcome rather than a promise for every application.
How quickly will the money arrive?+
Funding is listed at 15-30 minutes, and same-day funding appears among the published features. On a term of 3 to 4, the money is meant to land while you still have the day to act on it. The amount on offer runs to MXN 1,000.
DKB (Deutsche Kreditbank)
What does the DKB credit card cost each year?+
The card's annual fee is €29.88, higher than the site median of €0. Payments and cash withdrawals are free at Visa points worldwide, and the card runs on visa. There is no rewards scheme, as the rewards type is none.
Are the current account and the depot free to keep?+
Yes. The current account charges €0 a month and the depot charges €0 a year. You can run both from Web Banking and DKB App, the depot covers stocks, etfs and funds, and the account's listed feature is travel.
Other options to compare
Other matchups
- DKB (Deutsche Kreditbank) vs Nexo
- Credigenio vs Oney Prestamos
- Credigenio vs Oney Préstamos ES
- Credigenio vs myKredit
- Credigenio vs Credityes
- Credigenio vs Andacredito
- DKB (Deutsche Kreditbank) vs Lendela
- DKB (Deutsche Kreditbank) vs LEND.ch
- DKB (Deutsche Kreditbank) vs Alior
- DKB (Deutsche Kreditbank) vs ICICI Bank