Verivox review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Verivox is a strong choice for people in Germany comparing personal loans, car finance, debt consolidation or home improvement. Its personal loan APR runs 0.68% to 10.99%, with €500 to €100,000 available, free early repayment and fast payout options. But eligibility is limited to adults with permanent German residence and a German bank account.
Key facts
- Best for
- Comparing German personal loans, car finance and debt consolidation through a broker.
- Premium from
- €2.92↗
- Insurance types
- Auto, Home, Renters, Life, Health, Dental, Pet, Motorcycle, Travel, Income-protection, Breakdown↗
- Provider type
- Comparison site↗
- Monthly payments
- Yes↗
- Excess from
- €150↗
- Legal entity
- Verivox GmbH↗
- Headquarters
- Germany↗
- Founded
- 1998↗
- Support channels
- Phone, Email, Chat, Help-centre↗
- Pricing model
- Monthly
- Official website
- verivox.de
Loans
- 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↗
- Features
- Same-day funding
Mortgages
Facts checked September 26, 2026, 8 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- WikidataXTrustpilotLinkedInekomi.de
Pros and cons
Pros
- Personal loans cover personal use, debt consolidation and car purchases.
- Free early repayment is available.
- Borrowings can be assessed through soft prequalification.
- Support includes phone, email, chat and a help centre through phone, email and chat.
Cons
- The APR range reaches 0.68% to 10.99%, so rate comparisons remain important.
- Verivox is a broker and comparison site, so available terms depend on partner lenders.
Who it suits
- Adults in Germany comparing personal loans through a comparison service.
- Borrowers seeking personal loans for debt consolidation or car purchases.
- People considering home improvement borrowing or a remortgage.
Who should look elsewhere
- bunq may be an alternative for readers focused on its listed premium starting at €0.
- bunq Spain may be an alternative for readers focused on its listed premium starting at €0.
- Linxea may be an alternative for readers focused on its listed premium starting at €25.
How Verivox compares
9.1 vs 8.6
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.4
9.1 vs 8.7
9.1 vs 8.5
9.1 vs 9.4
9.1 vs 8.7
9.1 vs 9.0
9.1 vs 8.7
9.1 vs 9.4
9.1 vs 9.2
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 8.7Linxea lists a premium starting at €25, compared with Verivox's broader borrowing and insurance offering.
9.1 vs 9.0
9.1 vs 8.8bunq lists a premium starting at €0, while Verivox focuses on comparison across personal finance products.
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 9.0
9.1 vs 8.3
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9- 9.1 vs 8.6
9.1 vs 8.6
9.1 vs 8.5
9.1 vs 8.4
9.1 vs 8.3
9.1 vs 8.3
9.1 vs 8.2- 9.1 vs 8.0
Where Verivox is available
- Available
- Germany
- Licence in Germany
- IHK Rhein-Neckar (Aufsichtsbehörde); Register: DIHK e.V. / Vermittlerregister, insurance broker under § 34d Abs. 1 Nr. 2 GewO, Verivox Versicherungsvergleich GmbH (D-ZKI3-LKSUN-93), checked September 26, 2026
- Licence in Germany
- IHK Rhein-Neckar (Aufsichtsbehörde); Register: DIHK e.V. / Vermittlerregister, insurance broker under § 34d Abs. 1 Nr. 2 GewO, Verivox GmbH (D-0N8F-GJV2T-70), checked September 26, 2026
- Licence in Germany
- IHK Rhein-Neckar (Aufsichtsbehörde); Register: DIHK e.V. / Vermittlerregister, insurance broker under § 34d Abs. 1 Nr. 2 GewO, Verivox Finanzvergleich GmbH (D-BCK6-ZS24L-96), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What costs apply to a Verivox personal loan?+
Personal loan arrangement fees are 0, while the product fee is €0. The advertised personal loan APR is 0.68% to 10.99%. The exact cost of borrowing still depends on the rate and terms offered by the partner lender selected through the comparison service.
Who is eligible to apply?+
Applicants must be adults with permanent residence in Germany and a German bank account. Verivox offers personal loans for personal use, debt consolidation and car purchases. The available borrowing amount is €500 to €100,000, subject to the criteria of the selected partner lender.
How is a credit check handled?+
The borrowing process uses soft prequalification through soft prequal. This is the initial assessment stage and should be distinguished from a final credit decision by a partner lender. Verivox operates as a comparison site, so the available offer and final terms depend on the selected provider.
What term and amount are available?+
Personal loan amounts run from €500 to €100,000. Available terms run 12 to 120. Loans can be used for personal purposes, debt consolidation or car purchases, while home improvement is also listed as a use case for borrowing.
Can a Verivox loan be repaid early?+
Early repayment is free for the personal loans described. This allows borrowers to repay ahead of schedule without a separate early repayment charge. The loan uses a fixed rate, with the available APR shown as 0.68% to 10.99%.
How quickly can funds arrive?+
Funding time depends on the partner bank and the account check. Verivox advertises instant payout after an account check, while many partner banks pay within a short period following approval. The service also lists same-day funding as an available feature.
What insurance can be compared?+
Verivox compares auto, home, renters, life, health, dental, pet, motorcycle, travel, income protection and breakdown insurance through auto, home and renters. Auto insurance starts at a premium of €2.92, and monthly payments are available.
Is Verivox regulated?+
Verivox is a German comparison site and broker. Its insurance comparison entities are registered with IHK Rhein-Neckar and listed in the DIHK Vermittlerregister, including Verivox GmbH under D-0N8F-GJV2T-70.
Sources
- verivox.de checked September 26, 2026
Backs: Provider type, Founded, Support channels
- verivox.de checked September 26, 2026
Backs: Product fee, 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/baufinanzierung checked September 26, 2026
Backs: Purpose
“Finanzierungszweck (z.B. Kauf oder Anschlussfinanzierung)”
- verivox.de/baufinanzierung/bauzinsen checked September 26, 2026
Backs: Fixed period, Initial rate
- verivox.de/company/impressum checked September 26, 2026
Backs: Headquarters, Legal entity, Lender type, Licences
“Verivox GmbH, Max-Jarecki-Straße 21, 69115 Heidelberg”
- verivox.de/kfz-versicherung checked September 26, 2026
Backs: Excess from, Insurance types, Pricing model, Monthly payments, Premium from
“Beitrag (monatliche Zahlweise) ab 20,43 € / Beitrag (jährliche Zahlweise) ab 213,72 €”
- verivox.de/kredit/zinsen checked September 26, 2026
Backs: APR, 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, 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 8 source pages, checked September 26, 2026. We did not open an account.
Verivox
Comparing German personal loans, car finance and debt consolidation through a broker.