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Kredit.de review

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

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Our verdict

Kredit.de suits German residents who want a broker to place a personal loan or a mortgage rather than a lender dealing direct, and arranging costs nothing to start. The site runs on fixed rates, and personal loans carry an origination fee of 0 EUR with free early repayment.

Key facts

Best for
German borrowers comparing fixed rate personal loans and mortgages through a licensed broker.
Loan amount
€120,000↗
Term
12 to 120 months↗
Arrangement fee
0 EUR↗
Credit check
Soft prequal↗
Funding time
Loan amount usually credited to the account within a few business days↗
Representative example
Example personal loan: 12,000 EUR, 6.17% effective annual rate, 56 months, 250.00 EUR monthly rate, total cost 13,756.13 EUR↗
Rate type
Fixed↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
Minimum age 18, main residence in Germany, German current account, sufficient and secured income↗
Origination fee (%)
0%↗
Loan types
Personal, Car, Debt-consolidation, Secured↗
Credit needed
Poor↗
Use cases
Home-improvement↗
Legal entity
KREDIT.DE AG↗
Headquarters
Germany↗
Founded
2017↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Official website
kredit.de

Mortgages

Initial rate
3.25%↗
Fixed period
10 to 40 years↗
Maximum loan to value
110%↗
Product fee
€0↗
Purpose
Purchase, Remortgage, Home-equity↗

Facts checked September 26, 2026, 10 sources

Apps and profiles

Elsewhere
Trustpilotfacebook.cominstagram.com

Pros and cons

Pros

  • No product cost to arrange a personal loan or a mortgage, at 0 EUR and €0
  • Early repayment is free, so clearing a loan sooner carries no charge
  • Personal loans run on fixed rates, fixed, over terms of 12 to 120
  • Broker placement, broker, means the loan contract comes from the lender Kredit.de introduces

Cons

  • Applications start from a soft prequal check, and approval still rests with the lender
  • Borrowing is capped at €120,000, below the largest amounts some applicants need
  • Applicants need a minimum age, a main residence in Germany, a German current account and sufficient secured income
Kredit.de

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Borrowers living in Germany with a German current account and steady income
  • Anyone consolidating existing debt or funding home improvement without a lender relationship
  • Homebuyers and remortgagers wanting a fixed period of 10 to 40

Who should look elsewhere

  • Borrowers outside Germany, who cannot meet the residence and account conditions, while Cashspace lends in pesos, PHP 500 to PHP 25,000, and Creduma ES is built for euro borrowers, from €12,000
  • Shoppers wanting a larger loan, since €120,000 is the ceiling while Sofkredit lends from €12,000 to €300,000
  • Borrowers who want a variable rate, since the loans here run on fixed rates, fixed

Safety of your money

Kredit.de works as a broker, broker, so the loan itself comes from a lender that it introduces rather than from Kredit.de directly. It holds IHK Hannover permissions for credit intermediation, D-CX43-N3464-69, and for property loan broking, D-W-133-VSXC-08. The published representative example sets out a mid sized personal loan with its monthly payment and total cost.

Who runs it

The operation runs as KREDIT.DE AG, KREDIT.DE AG, a company based in Germany, DE, that has traded since 2017. Support runs on phone, email and help centre. The IHK Hannover credit intermediary permission, D-CX43-N3464-69, covers the consumer lending side, and the property loan broking permission, D-W-133-VSXC-08, covers mortgages. Both registrations sit with the same chamber.

How Kredit.de compares

Where Kredit.de is available

Available
Germany
Licence in Germany
IHK Hannover (Erlaubnis nach Paragraph 34d Abs. 1 GewO, credit intermediary) (D-CX43-N3464-69), checked September 26, 2026
Licence in Germany
IHK Hannover (Gewerbeerlaubnis nach Paragraph 34c GewO), checked September 26, 2026
Licence in Germany
IHK Hannover (Immobiliendarlehensvermittler-Erlaubnis nach Paragraph 34i Abs. 1 S. 1 GewO) (D-W-133-VSXC-08), checked September 26, 2026

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

Frequently asked questions

What does Kredit.de charge to arrange a loan?+

Arranging a personal loan costs 0 EUR, and the percentage fee is 0%. For property lending the product fee is €0. Early repayment is free, so clearing a loan sooner carries no charge either.

Is Kredit.de a lender or a broker?+

Kredit.de is a broker, broker. Your application is passed to a lender who then holds the loan agreement with you, so the rate you are offered comes from that lender rather than from Kredit.de.

How is Kredit.de regulated?+

It holds an IHK Hannover permission to work as a credit intermediary, D-CX43-N3464-69. Broking property loans runs under a separate permission, D-W-133-VSXC-08, and the two together cover both the personal loan and mortgage sides.

How much can I borrow and over what term?+

Personal loans run up to €120,000 and the term is 12 to 120. The published example shows the effective annual rate, the monthly payment and the total cost for a mid sized loan, so a reader can see the full cost of borrowing before applying.

What credit check do I go through?+

Applications begin with a soft prequal step, which means an initial indication without a full search. A full check is still needed before a lender releases funds, so treat the first result as a guide rather than an offer.

What kinds of loan are offered?+

The range covers personal, car and debt consolidation, plus property lending for purchase, remortgage and home equity. Rates are fixed, fixed, and mortgages can run a fixed period of 10 to 40 with a maximum loan to value of 110%.

Who can apply?+

Applicants need a minimum age, a main residence in Germany, a German current account and income that is sufficient and secured. Residents of other countries cannot use these products, which rules Kredit.de out for many European readers.

How quickly is money paid out?+

Once a lender approves, the loan is usually credited to your account within a few business days. Support runs through phone, email and help centre, so you can ask about timing before you apply, and the same channels handle questions during the loan.

Sources

  • kredit.de checked September 26, 2026

    Backs: Lender type, Support channels

    “Service: Finanzglossar, Datenschutz, Impressum, AGB, FAQ - Haeufig gestellte Fragen; Berater per Telefon +49 800 9998870 und per E-Mail erreichbar”

  • kredit.de/baufinanzierung checked September 26, 2026

    Backs: Product fee, Purpose

  • kredit.de/darlehen checked September 26, 2026

    Backs: Credit needed

  • kredit.de/immobilienkredit checked September 26, 2026

    Backs: Fixed period, Initial rate, Maximum loan to value

    “Beispielrechnung Immobilienkredit: Kreditbetrag 350.000 €, Zinssatz 3,25 %, Laufzeit 10 Jahre”

  • kredit.de/impressum checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Licences

    “Hauptsitz: KREDIT.DE AG, Deisterstrasse 20, 31785 Hameln, Deutschland”

  • kredit.de/konsumentenkredit checked September 26, 2026

    Backs: Pricing model, Rate type, Term

    “Term: selectable between 12 and 120 months (1 to 10 years)”

  • kredit.de/kredit checked September 26, 2026

    Backs: Credit check, Funding time, Loan types, Arrangement fee, Representative example

    “the non-binding KONDITIONSANFRAGEN from KREDIT.DE have no effect on your SCHUFA score”

  • kredit.de/kreditohneschufa checked September 26, 2026

    Backs: Origination fee (%)

    “Sie zahlen keine Beratungsgebuehren”

  • kredit.de/kreditvergleich checked September 26, 2026

    Backs: Use cases

  • kredit.de/privatkredit checked September 26, 2026

    Backs: Loan amount, Eligibility, Free early repayment

    “Personal loan: a loan amount of up to 120,000 euros”

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR.

Kredit.de

Kredit.de

German borrowers comparing fixed rate personal loans and mortgages through a licensed broker.

9.0/10See alternatives