Verivox Kreditvergleich review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Verivox Kreditvergleich is a German broker for adults with a German bank account who want to compare consumer loan offers side by side. It charges no arrangement fee, and rates run 0.68% to 10.99% on fixed rate loans. It suits people who want soft prequalification first.
Key facts
- Best for
- Comparing German consumer loan offers before applying, with no arrangement fee either way.
- APR
- 0.68% to 10.99%↗
- Loan amount
- €500 to €100,000↗
- Term
- 12 to 120 months↗
- Arrangement fee
- 0↗
- Credit check
- Soft prequal↗
- Funding time
- Instant payout within 3 minutes via account check; many partner banks pay out within 24 hours of approval↗
- Representative example
- 20,000 EUR net loan over 84 months at 8.38% effective annual rate, 312.47 EUR monthly instalment, 26,247.48 EUR total↗
- Rate type
- Fixed↗
- Lender type
- Broker↗
- Free early repayment
- Yes↗
- Eligibility
- Minimum age 18, permanent residence in Germany and a German bank account↗
- Origination fee (%)
- 0%↗
- Loan types
- Personal, Debt-consolidation, Car↗
- Use cases
- Home-improvement↗
- Legal entity
- Verivox Finanzvergleich GmbH↗
- Headquarters
- Germany↗
- Founded
- 1998↗
- Support channels
- Phone, Email, Chat, Help-centre↗
- Pricing model
- Fixed rate
- Features
- Same-day funding
- Official website
- verivox.de
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- WikidataXTrustpilot
Pros and cons
Pros
- No arrangement fee, at 0 and 0%
- Rates run 0.68% to 10.99%, terms 12 to 120
- Soft prequalification credit check, not a full file search
- Free early repayment, plus same day funding
Cons
- It matches you with a partner bank rather than lending itself, so the final terms are the bank's to set
- Access is limited to adults living permanently in Germany who hold a German bank account
- Funding speed varies, since many partner banks pay out within a day of approval
Who it suits
- Adults in Germany with a German bank account who want to compare several consumer loan offers at once
- Borrowers consolidating debt or planning a home improvement, both named among the loan types and uses
- People who want a soft prequalification quote before deciding which partner bank to approach
Who should look elsewhere
- Borrowers outside Germany, since permanent residence in Germany and a German bank account are required
- Anyone wanting to borrow directly from a single named lender rather than be matched to a partner bank
- People who need a guaranteed instant payout, because many partner banks pay out within a day of approval instead
Deposit protection
Verivox Finanzvergleich GmbH is a broker, not a deposit taker, so your money goes to a partner bank rather than sitting with this site. Its representative example sets out a euro loan with the effective annual rate, the monthly instalment and the total repaid beside the net amount, so the cost of borrowing is visible before you apply. The site is supervised by the Gewerbeamt der Stadt Heidelberg.
How Verivox Kreditvergleich compares
9.3 vs 9.0
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9.3 vs 8.7Sofkredit quotes 10.74% to 18.06%, above the 0.68% to 10.99% range here, so readers shopping on rate alone may find cheaper offers on this site.
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9.3 vs 8.0- 9.3 vs 8.0
Where Verivox Kreditvergleich is available
- Available
- Germany
- Licence in Germany
- Gewerbeamt der Stadt Heidelberg, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Verivox Kreditvergleich charge for arranging a loan?+
There is no arrangement fee. The fee is 0, with the percentage fee at 0%, so the rate you are quoted is not padded by setup costs. Because this is a broker, the loan itself is made by a partner bank.
How much can I borrow and for how long?+
Loan amounts run €500 to €100,000, and terms run 12 to 120. Loans are offered for personal use, debt consolidation and car purchases, with home improvement named as a use case. Fixed rate terms are the model on offer.
What interest rates are available?+
Rates run 0.68% to 10.99% across the partner banks listed. Because the figure is a range, the rate you receive depends on the lender and your credit profile. The site is a broker, so it shows offers rather than setting a single price.
Does applying affect my credit file?+
The first step is a soft prequalification credit check, which is a lighter search than the full check a partner bank runs before it approves a loan. A prequalification gives an indication of what you may be offered without committing to a single lender.
How quickly is the money paid out?+
Same day funding is available, and some partner banks pay out within minutes of approval by account check. Many other partner banks pay out within a day of approval instead, so the speed depends on which lender approves you.
Who can apply?+
Applicants need to be adults, hold permanent residence in Germany and have a German bank account. Those conditions gate every quote, so readers living elsewhere or without a German account cannot proceed through this site.
Is it a lender or a broker, and who regulates it?+
It is a broker operated by Verivox Finanzvergleich GmbH, which means it compares partner bank offers rather than lending its own money. The site is supervised by the Gewerbeamt der Stadt Heidelberg. The company has traded since 1998.
Can I repay a loan early without penalty?+
Free early repayment is offered, so settling a loan ahead of schedule carries no extra charge. That makes it easier to clear a loan early if your income rises or a consolidation shortens the outstanding term.
Sources
- verivox.de checked September 26, 2026
Backs: Representative example
“Bsp. gem. § 17 PAngV: Nettokreditbetrag 20.000 €, 8,07 % Sollzins geb. p.a., 8,38 % eff. Zins p.a., 84 Monate Laufzeit, mtl. Raten à 312,47 € p.M., 26.247,48 € Gesamtbetrag.”
- verivox.de/company/impressum checked September 26, 2026
Backs: Legal entity, Lender type, Licences
“Berufsbezeichnung: Darlehensvermittler nach § 34c Abs. 1 Nr. 2 GewO, Bundesrepublik Deutschland”
- verivox.de/company/ueber-uns checked September 26, 2026
Backs: Founded, Headquarters
“Verivox bringt seit 1998 Transparenz in Märkte”
- verivox.de/kredit/zinsen checked September 26, 2026
Backs: APR, Pricing model, Arrangement fee, Origination fee (%), Rate type
- verivox.de/ratenkredit checked September 26, 2026
Backs: Loan amount, Credit check, Eligibility, Features, Free early repayment, Funding time, Loan types, Support channels, Term, Use cases
“Ihre persönlichen Zinsen fragen Sie Schufa-neutral über unser Formular oder noch schneller per digitalem Kontocheck an. [...] garantiert Schufa-neutral”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Verivox Kreditvergleich
Comparing German consumer loan offers before applying, with no arrangement fee either way.