Updated September 29, 2026 · SumCue Editorial Team
Creduma ES vs DKB (Deutsche Kreditbank)
Creduma ES
DKB (Deutsche Kreditbank)
Higher score in this comparison
Where Creduma ES and DKB (Deutsche Kreditbank) differ
| Compare | Creduma ESReviewVisitVisit | DKB (Deutsche Kreditbank)ReviewVisitVisit |
|---|---|---|
| Loan amount | from €12,000 | €2,500 to €100,000 |
| Funding time | Offer in under 24 hours; money in the account in 7 days after signing | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days |
| Lender type | Broker | Direct lender |
| Eligibility | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) | 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 | Secured, Debt consolidation | Personal, Car, Debt consolidation |
| APR | Not confirmed | 6.99% |
| Term | Not confirmed | 12 to 120 months |
| Arrangement fee | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained | Not confirmed |
| Representative example | Not confirmed | Nettodarlehensbetrag 15.000 Euro, Laufzeit 120 Monate, effektiver Jahreszins 6,99 % p. a., mtl. Rate 172,43 Euro, Gesamtbetrag 20.691,92 Euro |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Soft prequal).
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.
- Loan types: only Creduma ES offers Secured.
- Loan types: only DKB (Deutsche Kreditbank) offers Personal, Car.
Our verdict on each
Creduma ES
Creduma suits adults resident in Spain who own a home and seek secured debt consolidation through a broker. Loans start at from €12,000 with prequalification shown as soft prequal and support through email and phone. Funding involves an offer after a short wait with payout after a waiting period following signing.
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 | Creduma ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Cost | Not confirmed | 8.9Card annual fee €29.88 against site median €0; the current account and depot charge €0 and €0. |
| Offer | 9.2HigherOffer strength reflects secured and debt consolidation focus shown in secured and debt consolidation for home equity needs. | 8.7 |
| Trust | 8.5Trust reflects brokerage model described in broker with prequalification shown in soft prequal. | 9.1Higher |
What we checked
Creduma ES
- creduma.com: 8 facts, checked September 26, 2026
DKB (Deutsche Kreditbank)
- dkb.de: 17 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
How they place
| Ranking | Creduma ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Loans | 43 of 2043 | 16 of 2043 |
| Mortgages | 3 of 853 | 2 of 853 |
Every fact side by side
| Fact | Creduma ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Travel |
| Legal entity | Not confirmed | Deutsche Kreditbank AG |
| Headquarters | Not confirmed | Germany |
| Founded | Not confirmed | 1990 |
| Support channels | Not confirmed | Email, Help centre |
Mortgages
| Fact | Creduma ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Fixed period | Not confirmed | 5 to 30 years |
| Product fee | €0 | Not confirmed |
| Purpose | Remortgage, Home equity | Purchase, Remortgage |
Brokers
| Fact | Creduma 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 | Creduma ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Monthly fee | Not confirmed | €0 |
| Card type | Not confirmed | Debit |
| Card network | Not confirmed | Visa |
Savings
| Fact | Creduma ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
Where each stands against the rest
| Fact | Creduma ES | DKB (Deutsche Kreditbank) | Median |
|---|---|---|---|
| APR | Not confirmed | 6.99%below the median | 9.99% |
| Loan amount | from €12,000below the median | €2,500 to €100,000highest quarter | €40,000 |
| Term | Not confirmed | 12 to 120 monthshighest quarter | 60 |
Median across 1096 listed providers.
Pros and cons
Creduma ES
Pros
- Secured and debt consolidation focus shown in secured and debt consolidation suits homeowners aiming to combine debts against property value
- Starting loan size of from €12,000 suits larger home equity plans, above Ibancar Prestamos amounts of €600 to €8,000
- Prequalification shown in soft prequal allows initial review with less impact than a full hard check
Cons
- Support runs on email and phone only, which limits choice for people who prefer chat or help centre contact.
- Funding relies on a broker path shown in broker, so approval depends on partner lenders rather than direct lending.
- Borrowing is tied to remortgage and home equity and property collateral, so renters or owners unwilling to pledge a home face a barrier.
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
Creduma ES
Who it suits
- Homeowners in Spain seeking secured borrowing with loans of from €12,000
- Applicants with weaker credit shown as poor who can pledge property as collateral
- Borrowers seeking remortgage or home equity uses shown in remortgage and home equity via a broker shown in broker
Who should look elsewhere
- Renters or borrowers without pledgeable property, where Ibancar Prestamos with amounts of €600 to €8,000 may be more relevant
- Borrowers seeking small unsecured advances, where DKB with amounts of €2,500 to €100,000 may be more relevant
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
Creduma ES
Current offer
Discount code
Free financial case study (estudio gratuito): 0 EUR, no upfront payment
Prequalification study with no commitment; fees are only charged if a real solution is obtained, with no advance commissions or initial payments
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 | Creduma ES | DKB (Deutsche Kreditbank) |
|---|---|---|
| Germany | No | Yes |
| Spain | Yes | No |
Questions about each
Creduma ES
What type of loans does Creduma arrange?+
Creduma arranges secured borrowing and debt consolidation loans shown in secured and debt consolidation. It focuses on home equity and remortgage needs shown in remortgage and home equity. Applicants are adults resident in Spain who own property pledged as collateral. The broker path means terms depend on the matched lender.
How large are Creduma loan amounts?+
Loan sizes start at from €12,000. That level points to larger secured borrowing rather than small unsecured advances. Applicants should compare that starting point with Ibancar Prestamos amounts of €600 to €8,000 and DKB amounts of €2,500 to €100,000 to gauge fit for debt consolidation.
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
- Creduma ES vs Grenada Co-operative Bank
- Creduma ES vs National Bank of Malawi Mo626 Digital+
- Creduma ES vs LowestRates.ca
- Creduma ES vs NCB Jamaica
- DKB (Deutsche Kreditbank) vs Oney Prestamos
- DKB (Deutsche Kreditbank) vs Oney Préstamos ES
- Creduma ES vs Sofkredit
- DKB (Deutsche Kreditbank) vs Credityes
- DKB (Deutsche Kreditbank) vs Andacredito
- Creduma ES vs Lendela
- Creduma ES vs AU Small Finance Bank
- Creduma ES vs CHECK24
- Creduma ES vs LEND.ch
- Creduma ES vs Alior
- Creduma ES vs Borrowell
- Creduma ES vs ICICI Bank
- Creduma ES vs CIMB Bank