Compare better, finance smarter
The German credit market is large, but opaque for many. If you don’t want to go directly to your bank, you will quickly find yourself caught between countless online offers, advertising promises and different requirements. A structured comparison is worthwhile – especially via experienced credit brokers who know the market inside out.
kredit-fuchs.de is your partner for the independent comparison of credit brokers in Germany. Together with established financial partners such as credxperts.de we find individual credit solutions for you – even in complex situations such as
- Credit during the probationary period
- High loan amounts up to € 250,000
- Rescheduling of several loans
- Fixed-term employment relationships
- Self-employment or irregular income
Start comparing loans now – free of charge & without obligation
1. what does a credit broker do – and why is it often the better choice?
A loan broker is not a lender, but an experienced partner who enquires with several banks at the same time, compares offers and suggests the best conditions for you. Unlike an individual bank, which only sells its own products, a broker offers objective, bank-independent advice.
Advantages of kredit-fuchs.de:
- Access to over 15 banks
- No upfront costs, no risk
- Processing also for probationary periods or self-employment
- Personal contact – by telephone or digitally
- Fast process – payout often within a few days
Start comparing loans now – free of charge & without obligation
2 Who particularly benefits from the loan comparison via kredit-fuchs.de?
| Target group | Typical scenario |
|---|---|
| Career starters | Loan despite probationary period or fixed-term contract |
| Families | Financing of conversions, weddings, vacations |
| Self-employed | Liquidity requirement or investment |
| Employees with old contracts | Rescheduling expensive loans |
| Buyers with high financial requirements | Loans up to € 250,000 possible |
3. how the process works via kredit-fuchs.de
- Fill out request online – free of charge & without obligation
- Credit check and comparison of offers from up to 15 partner banks
- Offer selection and personal advice
- Submit documents & carry out identification
- Conclusion of contract & payment to your account
Start comparing loans now – free of charge & without obligation
| Phase | Duration |
| First feedback | within 24 hours |
| Comparison & advice | 1-2 working days |
| Contract & Legitimation | 1-2 working days |
| Payment | 1-2 working days |
| Total duration | 2-5 working days |
4. calculation examples – how much you can save
| Loan amount | Runtime | Interest rate (effective) | Monthly installment | Provider |
| 30.000 € | 84 months | 6,5 % | 444,93 € | House bank |
| 30.000 € | 84 months | 3,9 % | 406,33 € | about kredit-fuchs.de |
| 30.000 € | 84 months | 7,2 % | 455,27 € | Direct bank |
Savings over 7 years: over €3,300 due to better interest rate alone.
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5. case studies from practice – anonymized & realistic
Case 1: Loan during the probationary period
Johannes K., 31, Berlin
After changing jobs, Johannes started as a project manager in an IT company. Despite a very good salary, his loan application was rejected by two banks – due to the current probationary period. Through kredit-fuchs.de we were able to find a specialized bank. He received €20,000 within 5 days – 4.5% APR, 60-month term.
Case 2: Debt restructuring with rising living costs
Sandra L., 38 years old, Hanover
Sandra had three current loans with a monthly burden of over €1,050. Thanks to a debt rescheduling loan via kredit-fuchs.de, she was able to bundle all her debts into a single loan. New installment: € 698. Savings over 5 years: almost €10,000.
Case 3: Self-employed with seasonal income
Tobias W., 45 years old, Nuremberg
Tobias runs a bicycle business with seasonal fluctuations in turnover. He needed €40,000 for a bulk purchase of goods. Through kredit-fuchs.de, he was able to obtain financing from a specialized partner – repayment is flexible with 2 instalment breaks per year.
Case 4: Financing with a fixed-term contract
Sara B., 29, Cologne
Sara works in the public sector on a 2-year contract. Her bank rejected her loan application. She received €12,000 for further training through our intermediary partner, interest rate: 3.8%, term: 48 months.
6. legal security & transparency
- Mediation is free of charge – no hidden fees
- Intermediaries work according to § 34c GewO
- All offers are subject to consumer loan law (BGB §§ 491ff.)
- 14-day right of withdrawal for all loan agreements
- Data processing in accordance with GDPR guidelines
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7. the 20 most frequently asked questions about kredit-fuchs.de
- Is the loan comparison free of charge? Yes, there are no costs for you.
- Will my credit rating be checked? Yes, but only in the case of an actual application – a preliminary check is neutral.
- How high can the loan amount be? Up to € 250,000, depending on creditworthiness.
- Can I get a loan despite my probationary period? Yes, many partner banks also examine such cases individually.
- Are there offers for the self-employed? Yes, including flexible repayment models.
- How quickly will I receive the money? Usually within 2-5 working days.
- What happens in the event of rejection? Our partners are looking for alternatives.
- How does legitimization work? Via VideoIdent or PostIdent.
- Does debt restructuring really make sense? Often yes – especially with several expensive individual loans.
- Can I make unscheduled repayments? Yes, possible free of charge with many partners.
- How does the consultation work? By telephone, e-mail or, if desired, by video call.
- What about negative Schufa entries? We check individually depending on the type.
- Can I also take out loans for free use? Yes, most loans are not earmarked for a specific purpose.
- How old do I have to be? Minimum age: 18 years.
- Do I need a fixed income? Yes, to ensure repayment.
- What about fixed-term contracts? Even then, we will examine your application individually.
- Can I revoke the loan? Yes, within 14 days of concluding the contract.
- How secure is my data? Fully GDPR-compliant and encrypted.
- Is it possible to submit a joint application with a partner? Yes, this can even improve your credit rating.
- How do I find the best offer? Our experts compare up to 15 banks for you.
Conclusion: Better advice with kredit-fuchs.de
Credit comparisons don’t have to be confusing or risky. With kredit-fuchs.de, you have access to strong partners, transparent advice and individual loan solutions – from the first application to disbursement.
- Personal advice & digital processing
- Even in special cases such as probationary periods or self-employment
- No risk, no costs – but real savings
Start comparing loans now – free of charge & without obligation
