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S Kredit-per-Klick review

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

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Our verdict

S Kredit-per-Klick suits Sparkassen current account holders in Germany wanting a personal loan, car loan or credit line arranged by a broker. Borrowing runs €1,000 to €80,000 over 12 to 120 at a fixed rate, and funding is Usually within a few hours, at the latest the next day.

Key facts

Best for
Sparkassen customers in Germany looking for a fixed rate instalment loan or credit line.
Loan amount
€1,000 to €80,000↗
Term
12 to 120 months↗
Credit check
Hard↗
Funding time
Usually within a few hours, at the latest the next day↗
Rate type
Fixed↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
Minimum 18 years old, main residence in Germany, Sparkassen current account with online banking, salary or pension paid into that account↗
Loan types
Personal, Car, Debt-consolidation, Credit-line↗
Credit needed
Good↗
Use cases
Home-improvement↗
Legal entity
S-Kreditpartner GmbH↗
Headquarters
Germany↗
Support channels
Phone, Chat, Email, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding, Credit line
Official website
s-kreditpartner.de

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
WikidataLinkedInkununu.com

Pros and cons

Pros

  • Free early repayment, so closing a loan ahead of schedule costs nothing extra.
  • Support on phone, chat and email covers phone, chat, email and a help centre.
  • A fixed rate on personal, car and debt consolidation keeps the instalment steady across the term.
  • Funding is Usually within a few hours, at the latest the next day, and same day funding and credit line covers same-day funding plus a credit line.

Cons

  • It runs as a broker, so the rate and the approval come from a partner bank rather than the site.
  • Eligibility is narrow: adults living in Germany with a Sparkassen current account, online banking, and salary or pension paid into it.
  • A hard credit check against a good record, so a thin file ends the application early.
S Kredit-per-Klick

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Sparkassen current account holders in Germany with online banking, where salary or pension is paid in.
  • Adults with a good credit record after all, seeking personal, car and debt consolidation.
  • Borrowers who cannot wait for a bank appointment, since funding is Usually within a few hours, at the latest the next day.

Who should look elsewhere

  • Cashspace, whose amounts run PHP 500 to PHP 25,000, suits a different currency and market rather than German euros.
  • Sofkredit if the sum is large, since its range runs €12,000 to €300,000.
  • Creduma ES if the sum is modest, since its range floors at from €12,000.

How S Kredit-per-Klick compares

Where S Kredit-per-Klick is available

Available
Germany
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Licence in Germany
Versicherungsvermittler-Register (IHK Berlin), permission under Sec. 34d(1) GewO (D-F5HW-TB9JU-10), checked September 26, 2026

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

Frequently asked questions

How much can I borrow, and for how long?+

Borrowing runs €1,000 to €80,000 over terms of 12 to 120 at a fixed rate. The offer covers personal, car and debt consolidation, so a personal loan, a car loan, debt consolidation or a credit line are all available. Home improvement is the stated use: home improvement.

What do I need before I can apply?+

Applicants must be adults living in Germany, hold a Sparkassen current account with online banking, and have salary or pension paid into that account. A hard credit check follows, and a good credit record is what the file is judged on.

Who regulates this operation?+

Germany names BaFin and the Versicherungsvermittler-Register at IHK Berlin for this operation. The register entry carries the permission id D-F5HW-TB9JU-10, and the business runs as S-Kreditpartner GmbH from DE.

How quickly does the money arrive?+

Funding is Usually within a few hours, at the latest the next day, so a decision made early can settle the same day. Same-day funding is listed, and a credit line sits alongside the standard instalment loan at a fixed rate.

Can I repay early without a charge?+

Yes. Free early repayment is part of the terms, so clearing a loan ahead of schedule adds nothing. The rate is fixed, which holds the instalment steady while balance is outstanding, and the term runs 12 to 120.

What credit record do I need?+

A good credit record is what the offer expects, tested through a hard credit check. A hard check means the file is read in full, so a thin history can stop the application before a partner bank responds.

How do I get help once I have applied?+

Support runs on phone, chat and email, so phone, chat, email and a help centre all give you a route. Help is arranged through the same broker, so expect to deal with an adviser rather than the bank directly.

Is this a lender or a broker?+

It works as a broker, run by S-Kreditpartner GmbH from DE. The terms come from a partner bank, so what you accept is a bank's loan and not a loan from the site itself, and the checks behind it run before a bank agrees.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Representative example.

S Kredit-per-Klick

S Kredit-per-Klick

Sparkassen customers in Germany looking for a fixed rate instalment loan or credit line.

9.0/10See alternatives