Updated September 28, 2026 · SumCue Editorial Team
DKB (Deutsche Kreditbank) vs Lendela
DKB (Deutsche Kreditbank)
Higher score in this comparison
Lendela
What sets them apart
| Compare | DKB (Deutsche Kreditbank)ReviewVisitVisit | LendelaReviewVisitVisit |
|---|---|---|
| APR | 6.99% | up to 48% |
| Loan amount | €2,500 to €100,000 | SGD 1,000 to SGD 200,000 |
| Term | 12 to 120 monthsHigher | 3 to 72 months |
| Credit check | Soft prequal | None |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | Around 1-2 days from application to disbursement; some within hours |
| Representative example | Nettodarlehensbetrag 15.000 Euro, Laufzeit 120 Monate, effektiver Jahreszins 6,99 % p. a., mtl. Rate 172,43 Euro, Gesamtbetrag 20.691,92 Euro | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| Lender type | Direct lender | Marketplace |
| Eligibility | 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 | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Loan types | Personal, Car, Debt consolidation | Personal, Debt consolidation, Business, Secured, Student |
| Arrangement fee | Not confirmed | SGD 0 |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Fair |
Same on both: Use cases (Home improvement).
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Key differences
- DKB (Deutsche Kreditbank) scores higher overall: 9.0 vs 8.5.
- Founded is lower at DKB (Deutsche Kreditbank): 1990 vs 2018.
- Lendela is available in 1 more country.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 3 to 72 months.
- Support channels: only Lendela offers Phone.
- Features: only DKB (Deutsche Kreditbank) offers Travel.
- Features: only Lendela offers Same day funding, Credit line.
- Loan types: only DKB (Deutsche Kreditbank) offers Car.
- Loan types: only Lendela offers Business, Secured, Student.
Our verdict on each
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.
Lendela
Lendela suits Singapore citizens and permanent residents who want a personal loan with no credit check and an origination fee of SGD 0. Borrowing covers SGD 1,000 to SGD 200,000 over terms of 3 to 72, and rates can reach up to 48%, the number to weigh before you apply.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Lendela |
|---|---|---|
| Cost | 8.9Card annual fee €29.88 against site median €0; the current account and depot charge €0 and €0. | Not confirmed |
| Offer | 8.7 | 9.0Highermarketplace lending, fair credit record and none credit check, so offers come with light entry conditions. |
| Trust | 9.1Higher | 8.2 |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
DKB (Deutsche Kreditbank)
1,114.11
1,114.11
Lendela
up to 9,039.28
up to 9,039.28
The stated ranges do not establish a winner.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Choosing between them
Pick DKB (Deutsche Kreditbank) if trust and term matter most.
Pick Lendela if offer matter most.
Availability and regulation
Additional countries for DKB (Deutsche Kreditbank): 1. Additional countries for Lendela: 2.
Side by side, item by item
| Loan types | DKB (Deutsche Kreditbank) | Lendela |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Secured | No | Yes |
| Car | Yes | No |
| Business | No | Yes |
| Student | No | Yes |
| Use cases | DKB (Deutsche Kreditbank) | Lendela |
|---|---|---|
| Home improvement | Yes | Yes |
A third option
Sofkredit has term at 6 to 240 months, against 12 to 120 months for DKB (Deutsche Kreditbank) and 3 to 72 months for Lendela.
Sofkredit reviewHow they place
| Ranking | DKB (Deutsche Kreditbank) | Lendela |
|---|---|---|
| Loans | 16 of 2043 | 79 of 2043 |
| Personal loans | 13 of 1317 | 66 of 1317 |
| Mortgages | 2 of 853 | 6 of 853 |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Lendela |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Travel | Same day funding, Credit line |
| Legal entity | Deutsche Kreditbank AG | Lendela Pte. Ltd. |
| Headquarters | Germany | Singapore |
| Founded | 1990Lower | 2018 |
| Support channels | Email, Help centre | Email, Phone, Help centreCovers more |
Brokers
| Fact | DKB (Deutsche Kreditbank) | Lendela |
|---|---|---|
| Account fee | €0 | Not confirmed |
| Markets | Stocks, ETFs, Funds, Bonds | Not confirmed |
| Audience | Kids | Not confirmed |
| Platforms | Web Banking, DKB App | Not confirmed |
Debit cards
| Fact | DKB (Deutsche Kreditbank) | Lendela |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Card type | Debit | Not confirmed |
| Card network | Visa | Not confirmed |
Savings
| Fact | DKB (Deutsche Kreditbank) | Lendela |
|---|---|---|
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
Mortgages
| Fact | DKB (Deutsche Kreditbank) | Lendela |
|---|---|---|
| Initial rate | Not confirmed | 2.4% |
| Fixed period | 5 to 30 years | Not confirmed |
| Product fee | Not confirmed | SGD 0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Lendela | Median |
|---|---|---|---|
| APR | 6.99%below the median | up to 48%highest quarter | 9.99% |
| Term | 12 to 120 monthshighest quarter | 3 to 72 monthsabove the median | 60 |
Median across 1096 listed providers.
Pros and cons
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.
Lendela
Pros
- An origination fee of SGD 0 on personal loans, so no charge for setting the loan up.
- Purpose covers personal, debt consolidation and business, and home improvement is a stated use.
- Money often moves quickly: a few days from application to disbursement, and some within hours.
Cons
- The rate ceiling is up to 48%, well above where most borrowers start.
- Support runs on email, phone and help centre only.
- Applicants need a minimum age, Singapore citizenship or permanent residency, and a minimum annual income, with foreign applicants held to a higher income bar.
Who each suits
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.
Lendela
Who it suits
- Singapore citizens and permanent residents with a fair credit record who want to borrow without a credit check.
- People consolidating debt or planning home improvement, both common reasons to borrow here.
- Borrowers who prefer a marketplace where lender quotes sit side by side.
Who should look elsewhere
- Borrowers chasing the lowest rates, who will find Cashspace quoting PHP 12 to PHP 36.
- Euro borrowers, since Creduma ES lists from €12,000 and Lendela works in Singapore dollars.
- Anyone wanting a rate band with room at both ends, since Sofkredit quotes 10.74% to 18.06% against the capped up to 48% here.
Current offers
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 | DKB (Deutsche Kreditbank) | Lendela |
|---|---|---|
| Germany | Yes | No |
| Hong Kong | No | Yes |
| Singapore | No | Yes |
Questions about each
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.
Lendela
How much can I borrow, and for how long?+
Lendela covers SGD 1,000 to SGD 200,000, with terms of 3 to 72. Features listed include same day funding and credit line, so a credit line is an option for anyone who would rather draw money down gradually than take the full amount at the start.
What rate will I pay?+
Rates at Lendela run as high as up to 48%, well above the 15.5% median for this category. The published representative example is much kinder, pairing a modest rate with a multi-year term, so treat the ceiling as the worst case rather than the expected outcome.
Other options to compare
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