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FINANZCHECK.de review

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

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.

Our verdict

FINANZCHECK suits borrowers in Germany with a German current account and regular monthly income who want a fixed-rate personal loan, and it charges an arrangement fee of 0 EUR. It scores 7 on offer, with rates of -0.4% to 19.9% and terms of 6 to 120.

Key facts

Best for
Fixed-rate personal loans and home improvement borrowing for residents of Germany.
APR
-0.4% to 19.9%↗
Loan amount
€1,000 to €150,000↗
Term
6 to 120 months↗
Arrangement fee
0 EUR↗
Credit check
Soft prequal↗
Funding time
24 to 72 hours by bank transfer after credit approval; 24 hours for Sofortkredit↗
Representative example
Ratenkredit: Nettodarlehensbetrag 50.000,00 EUR, 60 Monate, 8,70% effektiver Jahreszins, 8,37% gebundener Sollzins, 60 Raten zu je 1.022,73 EUR, Gesamtbetrag 61.363,57 EUR, Vereinigte Volksbank Raiffeisenbank eG (Paragraf 17 PAngV)↗
Rate type
Fixed↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
Of age, residence in Germany, German current account, regular monthly income, sufficient creditworthiness↗
Loan types
Personal, Car, Debt-consolidation, Secured, Bridging↗
Use cases
Home-improvement↗
Legal entity
FFG FINANZCHECK Finanzportale GmbH↗
Headquarters
Germany↗
Founded
2010↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Official website
finanzcheck.de

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
WikidataLinkedInXTrustpilotprovenexpert.comekomi.de

Pros and cons

Pros

  • Arrangement fee of 0 EUR on the loans it brokers.
  • Early repayment is free, so a loan can be cleared early without a charge.
  • Every rate is fixed, so instalments stay level for the whole term.
  • Terms of 6 to 120 and amounts of €1,000 to €150,000 suit both small and large plans.

Cons

  • As a broker, FINANZCHECK passes the application on rather than lending directly, so the contract and the rate come from a bank.
  • Rates of -0.4% to 19.9% can sit high, since the price is set by each partner bank.
  • Eligibility asks for residence in Germany, a German current account and regular monthly income, so applicants based elsewhere cannot use it.
FINANZCHECK.de

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Borrowers in Germany with a German current account and regular monthly income.
  • People planning home improvement work, the stated use case.
  • Anyone wanting a fixed-rate instalment loan with free early repayment.

Who should look elsewhere

  • Applicants living outside Germany, who cannot meet the eligibility rules here.
  • Borrowers shopping for the lowest rate, who should weigh Sofkredit at 10.74% to 18.06%.
  • People who want a single lender rather than a broker, where Cashspace runs a different route with rates of PHP 12 to PHP 36.

Deposit protection

FINANZCHECK is a broker, so it never holds the loan money itself: cash moves from the lending bank to the borrower's account. Its registration with the Handelskammer Hamburg, shown as D-W-131-44FU-21, covers property loan broking rather than deposit cover. The published Ratenkredit example names the cooperative bank that lends in that case.

How FINANZCHECK.de compares

Where FINANZCHECK.de is available

Available
Germany
Licence in Germany
Freie und Hansestadt Hamburg, Bezirksamt Hamburg-Mitte (Darlehensvermittler, Paragraf 34c Abs. 1 Nr. 2 GewO), checked September 26, 2026
Licence in Germany
Handelskammer Hamburg (Immobiliardarlehensvermittler, Paragraf 34i Abs. 1 S. 1 GewO) (D-W-131-44FU-21), checked September 26, 2026

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

Frequently asked questions

Is FINANZCHECK a lender or a broker?+

FINANZCHECK is a broker, run by FFG FINANZCHECK Finanzportale GmbH as a German company. It does not lend its own money: applications pass to partner banks, and the bank that approves becomes the counterparty on the contract. Each rate on an offer is therefore the bank's, not the site's.

How much can I borrow, and over what term?+

Loan sizes of €1,000 to €150,000 stretch from a small instalment to a large renovation, and terms of 6 to 120 let the cost be spread over a long period. Fixed-rate instalment loans sit at the centre of personal, car and debt consolidation, which also covers car, debt consolidation, secured and bridging.

What fees apply, and what rate should I expect?+

An arrangement fee of 0 EUR applies, and early repayment is free. Headline rates run at -0.4% to 19.9%, a wide span because the figure depends on the bank, the term and the applicant's credit profile. The published Ratenkredit example shows how an instalment loan is costed in full.

Is the rate fixed or does it change?+

The rate type is fixed, so the instalment holds steady across the term and does not follow the market. The model is fixed rate only, with no variable option listed, which suits anyone budgeting fixed monthly outgoings.

What credit check happens when I apply?+

The check is a soft prequalification, listed as soft prequal, so an initial enquiry carries less weight than a full decision. The bank's hard credit decision follows later, during approval, and applicants are asked to show regular income and a German current account.

Who is eligible to apply?+

Eligibility asks for adults of age living in Germany, holding a German current account, with regular monthly income and enough creditworthiness to repay. That points to salaried German residents and excludes applicants based abroad or without a German account. Renovation is the stated use case.

How quickly would the money arrive?+

Funding runs by bank transfer in a few days after the bank approves, and the Sofortkredit product moves faster. As a broker, FINANZCHECK does not release the money itself, so the timetable belongs to the partner bank. Plan for a short wait, not an instant payout.

Is any money held or protected while I apply?+

There is no deposit to protect, because FINANZCHECK is a broker and the loan is sent straight from the bank. Its property broking registration with the Handelskammer Hamburg is D-W-131-44FU-21, which covers broking, not savings. Nothing sits on an account.

Sources

  • finanzcheck.de checked September 26, 2026

    Backs: Loan amount, APR, Loan types, Representative example, Term, Use cases

    “Ratenkredit Konditionen Uebersicht: Zinssaetze: Min. -0,40 % bis max. 19,90 % effektiver Jahreszins”

  • finanzcheck.de/faq checked September 26, 2026

    Backs: Free early repayment, Arrangement fee

  • finanzcheck.de/ratenkredit checked September 26, 2026

    Backs: Credit check, Funding time, Pricing model, Rate type

  • finanzcheck.de/sofortkredit checked September 26, 2026

    Backs: Eligibility

  • finanzcheck.de/uber-uns checked September 26, 2026

    Backs: Founded

    “Finanzcheck.de wurde 2010 in Hamburg gegruendet”

  • finanzcheck.de/uber-uns/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Support channels, Licences

    “Sitz der Gesellschaft: Hamburg”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

FINANZCHECK.de

FINANZCHECK.de

Fixed-rate personal loans and home improvement borrowing for residents of Germany.

9.1/10Visit