Updated September 28, 2026 · SumCue Editorial Team
Credityes ES vs DKB (Deutsche Kreditbank)
Credityes ES
DKB (Deutsche Kreditbank)
Higher score in this comparison
Credityes ES vs DKB (Deutsche Kreditbank): the differences
| Compare | Credityes ESReviewVisitVisit | DKB (Deutsche Kreditbank)ReviewVisitVisit |
|---|---|---|
| APR | 0% to 36%Lower | 6.99% |
| Loan amount | €100 to €5,000 | €2,500 to €100,000Higher |
| Term | 2 to 36 months | 12 to 120 monthsHigher |
| Funding time | Money in a few minutes after a positive decision | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days |
| Representative example | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% | 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 | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name | 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, Payday | Personal, Car, Debt consolidation |
| Arrangement fee | 0 EUR (free for the customer; the service charges no commission for selecting the loan) | Not confirmed |
| Credit check | Not confirmed | Soft prequal |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Use cases (Home improvement).
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Key differences
- DKB (Deutsche Kreditbank) scores higher overall: 9.0 vs 8.9.
- APR is lower at Credityes ES: 0% to 36% vs 6.99%.
- Loan amount is higher at DKB (Deutsche Kreditbank): €2,500 to €100,000 vs €100 to €5,000.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 2 to 36 months.
- Support channels: only DKB (Deutsche Kreditbank) offers Help centre.
- Features: only Credityes ES offers Same day funding.
- Features: only DKB (Deutsche Kreditbank) offers Travel.
- Loan types: only Credityes ES offers Payday.
- Loan types: only DKB (Deutsche Kreditbank) offers Car, Debt consolidation.
Our verdict on each
Credityes ES
Credityes ES suits Spanish residents who want a modest personal loan with no arrangement fee, and Money in a few minutes after a positive decision makes it useful for an urgent bill. The €100 to €5,000 ceiling and email for contact keep it in the small, self-serve corner of the market.
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 | Credityes ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Cost | 9.7HigherAPR of 0% to 36% is a wide range, so the cost depends on the file; the origination charge is 0%. | 8.9Card annual fee €29.88 against site median €0; the current account and depot charge €0 and €0. |
| Offer | 8.4 | 8.7Higher |
| Trust | 8.5 | 9.1Higher |
Which one suits you
Pick Credityes ES if cost and apr matter most.
Pick DKB (Deutsche Kreditbank) if offer, trust, loan amount, and term matter most.
Side by side, item by item
| Loan types | Credityes ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | No | Yes |
| Car | No | Yes |
| Use cases | Credityes ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Home improvement | Yes | Yes |
If neither fits
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 36% for Credityes ES and 6.99% for DKB (Deutsche Kreditbank).
FINANZCHECK.de reviewHow they place
| Ranking | Credityes ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Loans | 13 of 2043 | 16 of 2043 |
| Personal loans | 10 of 1317 | 13 of 1317 |
Every fact side by side
| Fact | Credityes ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Travel |
| Legal entity | SIA DoAff | Deutsche Kreditbank AG |
| Headquarters | Latvia | Germany |
| Founded | Not confirmed | 1990 |
| Support channels | Email, Help centreCovers more |
Brokers
| Fact | Credityes ES | 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 | Credityes ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Monthly fee | Not confirmed | €0 |
| Card type | Not confirmed | Debit |
| Card network | Not confirmed | Visa |
Savings
| Fact | Credityes ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
Mortgages
| Fact | Credityes ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Fixed period | Not confirmed | 5 to 30 years |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Credityes ES | DKB (Deutsche Kreditbank) | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 6.99%below the median | 9.99 |
| Loan amount | €100 to €5,000below the median | €2,500 to €100,000highest quarter | €40,000 |
| Term | 2 to 36 monthsbelow the median | 12 to 120 monthshighest quarter | 60 |
| Origination fee (%) | 0%at the median | Not confirmed | 0% |
Median across 1096 listed providers.
Pros and cons
Credityes ES
Pros
- The arrangement fee is free for the customer, and the service takes no commission for choosing which loan you get.
- Money moves fast: Money in a few minutes after a positive decision.
- Borrowing for a short bridge or a longer personal loan runs through the same application: personal and payday.
Cons
- Support runs on email only, so a disputed payment has to be settled in writing.
- The expensive end of 0% to 36% sits well above Sofkredit's 10.74% to 18.06%, so a weaker file pays more here.
- Borrowing stops at €100 to €5,000, far short of Creduma ES's from €12,000, so larger work is out of reach.
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
Credityes ES
Who it suits
- Spanish residents with a repair or bill to cover inside €100 to €5,000.
- Borrowers in a hurry, since Money in a few minutes after a positive decision once a decision is positive.
- People who would rather not pay a setup charge, since the arrangement fee is free to the customer.
Who should look elsewhere
- Anyone after a bigger project, who should compare Creduma ES at from €12,000 first.
- Borrowers likely to be quoted near the top of 0% to 36%, since Sofkredit's 10.74% to 18.06% stops lower.
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
Credityes ES
Current offer
First period offer
First loan at 0% TAE (0% interest): TAE 0% on the first loan
First loan only and only from some partner lenders; the site's stated TAE span is 0% to 36%, and the amount and rate can change after the questionnaire
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 | Credityes ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Germany | No | Yes |
| Spain | Yes | No |
Questions about each
Credityes ES
What does it cost to take a loan through Credityes ES?+
The arrangement fee is free for the customer, and the service takes no commission for choosing a loan, so the interest rate is the only charge to unpick. The origination charge is 0%. What moves the bill is APR of 0% to 36%, quoted as a range rather than a single rate, so a weaker file can land near the top of it.
How much can I borrow, and for how long?+
Loan amounts run €100 to €5,000 and terms run 2 to 36, so the product suits sums cleared over a short period rather than long financing. Anything larger than that ceiling, or a term past the longest one, sits outside what this broker will arrange.
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.
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