Comparison

Credit Test Winner 2025

Guide for Newcomers / Ratgeber für Neuankömmlinge

Which banks offer the best loans in Germany? Our overview of test winners and their conditions.

Key German Terms / Wichtige deutsche Begriffe

Kredit

Loan

Zinsen

Interest

Schufa

German credit bureau

Tilgung

Repayment

Laufzeit

Loan term

Sparkasse

Savings bank

Vorzeitig ablösen

Early repayment

Sondertilgung

Extra repayment

Newcomer Tip / Tipp für Neuankömmlinge

As a newcomer, you can get loans even without a long Schufa history. Compare different providers! / Als Neuankömmling können Sie Kredite auch ohne lange Schufa-Historie erhalten. Vergleichen Sie verschiedene Anbieter!

Best Loan Providers 2025

German loan providers are regularly tested by renowned institutes. They evaluate interest rates, service, and transparency.

TEST WINNER

SWK Bank

SWK Bank excels with low interest rates and fast processing. Especially strong for online applications.

from 3.99% APR

2ND PLACE

ING

ING offers transparent conditions and a simple online application process. Excellent customer service.

from 4.29% APR

What Testers Look For

Interest Rates: The APR as the main comparison criterion
Transparency: No hidden fees or additional costs
Flexibility: Extra payments and rate adjustments possible
Service: Availability and quality of customer support

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