Maxda Loan Mediation

What Maxda Loan Mediation does

Maxda Darlehensvermittlungs GmbH, operating under the brand MAXDA, is a privately held German loan-mediation company headquartered in Speyer (Rhineland-Palatinate), founded approximately in 1984 and active for over 40 years. The company operates as a credit broker (Kreditvermittler / Darlehensvermittler), connecting German private customers with a network of domestic and — for its core niche — foreign bank partners, most notably Swiss and Liechtenstein-based institutions that do not query the German Schufa credit bureau. This foreign-bank relationship is the foundation of Maxda's flagship product, SCHUFA-free installment loans, in which the company self-claims the Nr. 1 position in Germany. The business is licensed under §34c of the German Trade Regulation (GewO) and is led by managing director Oliver Hierold.

The company's product portfolio spans seven loan verticals: Ratenkredit (standard installment), Kredit ohne Schufa (SCHUFA-free), Immobilienkredit (subordinate land-charge loan up to 130% LTV, EUR 300,000), Umschuldungskredit (debt consolidation), Autokredit (vehicle), Modernisierungskredit (home modernization), and Solarkredit (green-energy/solar). Loan tickets range from EUR 1,500 to EUR 300,000 over 12 to 120 months at effective annual rates of 3.99%–15.99%. The underlying technology consists of a short-form online application portal (~13 input fields versus 30-40+ at typical competitors), internal credit-matching logic, and a partner lead-tracking infrastructure — with no disclosed proprietary AI/ML, no public API, and no native mobile application. Integrations are limited to standard web tooling (Google Analytics, AdWords, Facebook Pixel/Connect, reCAPTCHA) plus the eKomi and Trustpilot review platforms.

Maxda monetizes through transaction-based mediation commissions earned when a loan contract is successfully concluded between the customer and a partner bank, with no upfront fees charged to the borrower. Distribution combines direct-to-consumer acquisition (maxda.de portal, telephone hotline 06232/686363), brand advertising on national German TV (Sky, ProSieben, DMAX, Sat.1, RTL), an extensive SEO-driven content site covering 200+ financial topics, and a formal affiliate/partner program (pap.maxda.de) that pays external partners a 3% revenue commission on realized loans with bi-weekly payouts. Additional cooperation agreements with insurance carriers and building societies extend cross-promotional reach. No revenue, headcount, funding rounds, or M&A activity are disclosed in the available sources.

Name

Maxda Loan Mediation

Legal name

Maxda Darlehensvermittlungs GmbH

Website

https://maxda.de

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

1–10 employees

Short description

Maxda Darlehensvermittlungs GmbH is a privately held German loan broker headquartered in Speyer, connecting private borrowers with domestic and Swiss/Liechtenstein bank partners. It mediates seven loan types — including Germany's largest SCHUFA-free loan offering — through a short-form online portal, telephone hotline, and affiliate network.

Ownership category

akta.pro rank

Product category

Consumer Loan Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

akta.pro secondary industries

Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL), Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

Keywords

• Loan mediation
• SCHUFA-free credit
• Consumer lending broker
• Debt consolidation loans
• Installment credit

Headquarters

HQ city

Speyer

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Mediation Commission: Maxda earns a mediation fee when a loan contract is successfully concluded between the customer and the bank partner. The fee is only charged if the customer enters into a contract. No upfront fees are charged to the customer for the credit check or application processing.
2. Affiliate Partner Program: Maxda operates a partner program paying 3% revenue commission per realized loan (validated lead). Payouts occur bi-weekly with a minimum threshold of EUR 20.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Maxda Darlehensvermittlungs GmbH operates as a credit broker (Darlehensvermittler) that connects private customers with a network of domestic and foreign bank partners to source personal loans. The platform matches loan applications to the most suitable lender, specializing in SCHUFA-free loans originated through Swiss and Liechtenstein-based partner banks. Customers can apply via a short online form, by phone, or through partner affiliates, and the company earns a mediation commission only upon successful contract conclusion.

Product overview

Maxda Darlehensvermittlungs GmbH operates as a loan mediation platform (Kreditvermittler) connecting borrowers with partner banks to find optimal credit solutions. The company specializes particularly in SCHUFA-free loans, ranking as Germany's #1 intermediary for schufafreie Kredite. The product portfolio centers on the core loan mediation service complemented by seven distinct loan types: Ratenkredit (standard installment loan), Kredit ohne Schufa (SCHUFA-free loan), Immobilienkredit (property loan), Umschuldungskredit (debt consolidation), Autokredit (car loan), Modernisierungskredit (home modernization), and Solarkredit (solar/green energy loan). Loan amounts range from €1,500 to €300,000 with terms from 12 to 120 months and interest rates starting from 3.92% nominal (8.90% effective for two-thirds of customers). The platform provides free credit checking services with no upfront fees.

Differentiator

Problem solved

Functional benefit

Products and services

• Ratenkredit (Installment Loan) A standard installment loan for personal use, offering flexible loan amounts, terms (12-120 months), and monthly payments with fixed interest rates starting from 3.92% nominal (effective annual rate 3.99%-15.99%). Designed for German private customers seeking quick financial assistance for larger purchases, with fast processing and payout, fair conditions, and flexible terms tailored to individual situations.
• Kredit ohne Schufa (SCHUFA-free Loan) A SCHUFA-free loan product that does not create a negative entry on the borrower's credit file. Offered through foreign partner banks (primarily Swiss and Liechtenstein-based), available in fixed amounts of EUR 3,500, EUR 5,000, EUR 7,500, or EUR 10,000 with interest rates from 3.99% effective annual rate. Targets customers with negative Schufa records or those seeking to avoid further Schufa impact for future larger loans.
• Immobilienkredit (Property Loan) A subordinate land charge loan (Nachrangdarlehen) for German property owners, offering up to 130% loan-to-value ratios and amounts up to EUR 300,000 for property-related financing needs. Not intended for new property purchases; requires land charge registration.
• Umschuldungskredit (Debt Consolidation Loan) A loan product designed to consolidate multiple existing debts into a single monthly payment, reducing overall financial burden and simplifying debt management for German consumers.
• Autokredit (Car Loan) A vehicle financing product enabling purchase of new or used cars without dealer binding, offering competitive rates and flexible terms for German consumers.
• Modernisierungskredit (Modernization Loan) A loan product for home renovation, rehabilitation, or new equipment purposes, offering favorable interest rates with quick processing and fixed terms for German property owners seeking to upgrade their homes.
• Solarkredit (Solar Loan) A specialized green energy loan for financing photovoltaic (solar) systems up to EUR 60,000 without land registry entry requirements, targeting German homeowners investing in renewable energy.

Quantifiable outcome

• 2/3 of customers receive an effective interest rate of 8.90% or better on a 10,000 EUR / 36-month loan
• +2 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Swiss Bank PartnerscoreChannel Partner/ Reseller/ DistributorMaxda works with Swiss (and Liechtenstein-based) bank partners to originate SCHUFA-free loans. These foreign institutions do not query the German Schufa credit bureau, enabling loans for customers with negative Schufa entries. The banks conduct their own creditworthiness assessment based on income and other factors rather than Schufa data.
• VERITAS Vermögensberatungs- und Vermittlungs GmbHminorGTM or Marketing PartnerListed as a cooperation partner for telephone and email advertising of insurance products. Located at Alter Postweg 1, 67346 Speyer.
• Stuttgarter Lebensversicherung a.G.minorGTM or Marketing PartnerCooperation partner for insurance offers via telephone and email. Located at Rotebühlstraße 120, 70197 Stuttgart.
• SAZ Services AGminorGTM or Marketing PartnerCooperation partner for postal advertising with interesting offers. Located at Davidstrasse 38, 9000 St. Gallen, Switzerland.
• Wüstenrot Bausparkasse AGminorGTM or Marketing PartnerCooperation partner for building savings (Bauspar) products via telephone and email. Located at Wüstenrotstraße 1, 71638 Ludwigsburg.
• SIGNAL IDUNA Bauspar AGminorGTM or Marketing PartnerCooperation partner for building savings products via telephone and email. Located at Kapstadtring 7, 22297 Hamburg.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Smava: Smava is Germany's largest dedicated online loan comparison and brokerage platform for private consumers, matching borrowers with bank partners via a digital portal — a direct, near-identical business model to Maxda across Ratenkredit, Umschuldung, and SCHUFA-related products.
• Bon-Kredit (SCHUFA24): Bon-Kredit is a German loan broker with a near-identical specialty in SCHUFA-free credit intermediation through foreign (Swiss/Liechtenstein) bank partners — the closest niche overlap to Maxda's flagship differentiator.
• FINANZCHECK.de: FINANZCHECK is a leading German consumer loan and credit comparison/brokerage platform operating a multi-bank matching model, comparable to Maxda's online portal and bank-partner network across installment, debt consolidation, and property financing.
• Creditolo: Creditolo is a German online credit broker arranging installment loans, SCHUFA-free loans, and debt consolidation through bank partners — the same product mix and target customer as Maxda.
• Dr. Klein Privatkunden: Dr. Klein is a German financial services distributor and loan broker offering installment, mortgage, and modernization credit intermediation through bank partners, overlapping Maxda's portfolio — especially on Immobilienkredit and modernisierung products.
• Interhyp: Interhyp is Germany's leading mortgage broker, intermediating property financing through a partner bank network. Although focused on first-lien mortgages versus Maxda's Nachrangdarlehen, it is the most comparable German player in property-backed credit intermediation.

Broad incumbents

• CHECK24 Vergleichsportal: CHECK24 is Germany's largest multi-vertical price comparison portal covering consumer loans, mortgages, insurance, and banking products. While not loan-specialised, it competes with Maxda's organic/SEO and affiliate acquisition channels for German consumer credit demand.
• Verivox: Verivox is a major German price comparison intermediary for financial products including consumer loans and mortgages. It competes with Maxda at the top-of-funnel aggregation layer, even though its portfolio spans insurance and energy in addition to credit.

Emerging players

• Auxmoney: Auxmoney is Germany's largest P2P consumer lending platform serving borrowers with non-prime credit profiles — overlapping Maxda's negative-Schufa target customer but using a marketplace/investor-funded model rather than bank-partner intermediation.

Others

• Solarisbank (Solaris SE): Solaris is a German banking-as-a-service / embedded finance platform providing credit, payments, and compliance infrastructure. It serves many of the same digital lending and broker partners that Maxda interacts with, positioning it as an enabler/ecosystem peer rather than a direct broker competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/maxda-darlehensvermittlungs-gmbh

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Maxda Loan Mediation