Bon-Kredit

What Bon-Kredit does

Bon-Kredit is a Swiss-headquartered online credit brokerage that matches German retail borrowers with a network of up to 20 partner banks and financial institutions, including international lenders in Luxembourg and Malta. Operating since 1970 under Master Media Group AG in Steckborn and licensed under Swiss federal credit-intermediary regulations (Art. 39 KKG and Art. 4-8 VKKG), the company has facilitated more than 300,000 loan disbursements over its history. Its core proposition is a zero-cost service for consumers: applicants submit online forms or contact a German toll-free hotline, and Bon-Kredit negotiates across multiple bank partners to surface the best available offer, including options for borrowers with negative Schufa entries who are typically rejected by domestic banks.

The platform is a web-based, digital-first workflow with online identity verification and guided application processing, supported by phone, WhatsApp, and Facebook Messenger channels. The product portfolio spans 14+ distinct credit categories led by Sofortkredit (24-hour instant payout) and the flagship Kredit ohne Schufa line, complemented by Autokredit, Umzugskredit, Urlaubskredit, Umschuldungskredit, Kredit für Selbständige, Immobilienkredit (up to 300,000 EUR), Ratenkredit, Privatkredit, Barkredit, Schweizer Kredit, and Darlehen. Loans range from 1,000 to 100,000 EUR over 12-120 month terms at 2.75-15.49% Sollzinssatz.

Monetization is purely commission-based: the service is free for borrowers at every stage, including in the event of rejection, and Bon-Kredit earns affiliate referral commissions from the bank that ultimately funds the loan. Marketing spans SEO, content (a credit-tips blog), email (Klick-Tipp newsletter with double opt-in), Facebook and Instagram, and television advertising on ProSieben, Sat.1, RTL2, DMAX, Comedy Central, and Servus TV. The company is led by Managing Director Heinz Dancke, with 11-50 employees overall.

Name

Bon-Kredit

Legal name

Master Media Group AG

Website

https://bon-kredit.de

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

11–50 employees

Short description

Bon-Kredit is a Swiss-headquartered online credit broker connecting German retail consumers with up to 20 partner banks, specializing in personal loans and Schufa-free financing for borrowers rejected by traditional lenders. The service is free for consumers and generates commission revenue from partner banks.

Ownership category

akta.pro rank

Product category

Consumer Lending / Credit Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

P2P Small Business / SME Marketplace Lending (FSAKAHAC)

akta.pro secondary industries

Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG), P2P Secured / Collateralized Lending (General) (FSAKAHAJ)

Keywords

• Credit brokerage
• Personal loans
• Schufa-free loans
• Debt consolidation
• Consumer lending

Headquarters

HQ city

Steckborn

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Marketing or Sales, Personnel, Technology or R&D, Operations

Revenue model

1. Commission from partner banks: Bon-Kredit receives commissions from banks and financial institutions when loans are successfully placed. The service is free for customers - the company is compensated by the lending partners for bringing them qualified borrowers.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Bon-Kredit operates as a free online credit brokerage platform that matches loan applicants with up to 20 partner banks and financial institutions across Germany and abroad. The company negotiates with multiple lenders on behalf of customers to secure the best-fit personal loan offer, including for borrowers with negative Schufa entries. Revenue is generated through commissions paid by partner banks when loans are successfully placed.

Product overview

Bon-Kredit operates as a pure web-based credit intermediation platform that matches loan applicants with up to 20 partner banks and lenders to secure the best-fit loan offer. The platform functions as a broker rather than direct lender, offering a portfolio of distinct loan products centered around the flagship Sofortkredit (instant loan with 24-hour disbursement) and Kredit ohne Schufa (loan without Schufa inquiry). Supporting products include Autokredit, Umzugskredit, Urlaubskredit, Umschuldungskredit, Kredit für Selbständige, Immobilienkredit, Ratenkredit, Privatkredit, Barkredit, and Schweizer Kredit. All products share the core value proposition of zero upfront costs, accessibility for borrowers with negative Schufa entries, and the intermediary's matching service that negotiates with multiple banks on the customer's behalf. The platform targets German consumers and emphasizes rapid processing, flexible terms (1,000-100,000 euros, 12-120 month terms), and competitive interest rates (2.75%-15.49% APR depending on creditworthiness).

Differentiator

Problem solved

Functional benefit

Products and services

• Sofortkredit (Instant Loan)

Quantifiable outcome

• 300,000+ successfully disbursed loans
• +2 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Seven partnerships are on record, tiered core.

• Boncred Finanzvermittlungs GmbHcoreChannel Partner/ Reseller/ DistributorCredit brokerage partner located in Wangen, Germany (Siemensstr. 9, 73117 Wangen) operating as part of Bon-Kredit's network for credit placement and processing.
• FVZ GmbHcoreChannel Partner/ Reseller/ DistributorFinancial services partner located in Landsberg (Rudolf-Walther-Str. 5, 06188 Landsberg) operating under credit12.de brand, participating in Bon-Kredit's credit examination and placement network.
• Immo-CreditcoreChannel Partner/ Reseller/ DistributorSpecialized real estate and property financing partner located in Reichenbach (Hauptstr. 24, 73262 Reichenbach) handling mortgage and real estate credit products through the Bon-Kredit network.
• credicom GmbHcoreChannel Partner/ Reseller/ DistributorCredit services partner based in Berlin (Uhlandstr. 20-25, 10623 Berlin) operating under crediticom.de brand, participating in the Bon-Kredit credit brokerage network.
• Advanzia Bank S.A.coreChannel Partner/ Reseller/ DistributorLuxembourg-based bank partner (9 rue Gabriel Lippmann, Parc d'Activité Syrdall 2, L-5365 Munsbach, Luxembourg) offering credit products through the Bon-Kredit network, specializing in credit cards and lending.
• auxmoney GmbHcoreChannel Partner/ Reseller/ DistributorP2P lending platform partner based in Düsseldorf (Kasernenstr. 67, 40213 Düsseldorf) operating auxmoney.com, providing alternative lending options as part of the Bon-Kredit network.
• Novum Bank Ltd.coreChannel Partner/ Reseller/ DistributorMalta-based bank partner (4th Floor, Global Capital Building, Testaferrata Street, Ta' Xbiex XBX 1403, Malta) operating novumbank.de, offering credit products through the Bon-Kredit network.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Check24: Check24 is Germany's leading price-comparison portal, with a large loans/credit category that aggregates offers from numerous banks. Direct competitor to Bon-Kredit for German consumers comparing personal loan terms; much broader category scope but overlapping loan brokerage motion.
• Finanzcheck.de: Finanzcheck.de is a German online loan comparison platform operating under the Interhyp/Scout24 group. Direct competitor to Bon-Kredit for consumer credit intermediation in Germany with a multi-bank comparison model.
• Smava: Smava is one of Germany's largest online loan comparison marketplaces, connecting borrowers with multiple banks and lenders. Directly comparable to Bon-Kredit in operating model (free broker, commission from banks), but skewed more toward prime borrowers; competes for the same top-of-funnel credit-seeking traffic.
• Creditolo: Creditolo is a German credit broker specializing in loans for borrowers with poor credit history / negative Schufa entries. Closest direct overlap with Bon-Kredit's Kredit ohne Schufa product and customer segment.
• Lendico: Lendico is a German online lending platform (originally P2P, now digital direct lending) targeting consumer and SME borrowers. Comparable to Bon-Kredit in digital credit intermediation in Germany and in serving self-employed/non-standard income segments.
• auxmoney: auxmoney is Germany's largest P2P consumer lending marketplace. It is both a Bon-Kredit partner bank and a direct competitor for the Schufa-challenged / non-prime borrower segment; comparable product positioning around credit-rejected applicants.
• Boncred Finanzvermittlungs GmbH: Boncred is a German credit broker and active channel partner in Bon-Kredit's network. Comparable in operating model (free broker, commission from lenders) and product mix (Schufa-free loans, installment loans); overlaps strongly with Bon-Kredit's value proposition.
• Verivox: Verivox is a major German comparison platform for financial products, including consumer credit. Comparable to Bon-Kredit in intermediating loan products from multiple banks to consumers, though Verivox's primary strength is in utilities and insurance.

Broad incumbents

• N26: N26 is a major German-headquartered digital bank offering consumer credit products via its app. A broader incumbent operating across banking, with loan offerings that overlap the same end-customers Bon-Kredit serves, though via direct (non-brokered) distribution.
• ING Deutschland: ING is a large direct bank in Germany with consumer installment and mortgage lending products. A broader incumbent; competes with Bon-Kredit indirectly at the consumer loan demand layer, while also potentially being a partner bank in the loan placement network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/BonKredit
• Instagraminstagram.com/bonkredit.de
• Xx.com/BonKredit_de
• LinkedInlinkedin.com/company/bon-kredit

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bon-Kredit