Kredit24
Kredit24 GmbH is a Hamburg-based digital loan brokerage platform comparing consumer and mortgage credit offers from 500+ bank and building-society partners via the Europace integration, serving German consumers and English-speaking expats under affiliate/referral commission economics as part of the Bilthouse Group.
- Company typePrivate
- Founded2020
- HeadquartersHamburg, Germany
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Kredit24 does
Kredit24 GmbH is a Hamburg-based digital loan brokerage platform operating under the German Credit Intermediation Act (GewO §§34c, 34i, 34d), connecting individual borrowers in Germany to a network of 500+ bank partners for mortgage and property financing and 50+ banks, insurers, and building societies for personal/consumer credit. The company is wholly owned by the Bilthouse Group, a Hamburg-headquartered diversified financial services conglomerate whose sibling platforms (Baufi24, creditweb, FinLink, Hüttig & Rompf) collectively process approximately €5 billion in financing volume annually.
The platform offers a broad product surface spanning consumer installment loans (Online Kredit, Sofortkredit, Privatkredit, Schnellkredit, Kleinkredit, Minikredit, senior credit), revolving credit (Rahmenkredit), auto financing including balloon financing, modernization and renovation loans (including KfW-relevant energy efficiency products), and mortgage/construction financing including follow-up and ancillary-cost financing — alongside an extensive suite of SEO-driven financial calculators (annuity, amortization, budget, auto loan, interest, financing, construction financing). A dedicated English-language product targets English-speaking expats in Germany with full-journey English support. Technical architecture combines a self-service application flow using VideoIdent for digital contract signing, the Europace AG platform for mortgage routing, PriceHubble AG for automated property valuation, Byteplant for phone validation, HubSpot for CRM, Cloudflare for CDN/security, and a two-phase OpenAI ChatGPT-powered AI assistant (Kredit24 KI-Assistent) for conversational loan guidance.
The company operates on a pure affiliate/referral revenue model: the comparison and application service is free for customers, and the company earns commissions from partner banks for each successfully placed loan. Distribution is digital-only via kredit24.de and English-language landing pages, supported by SEO content marketing, Google Ads and Bing Ads performance marketing, Trustpilot review acquisition (4.9/5 stars), and cross-platform referrals within the Bilthouse Group ecosystem under joint data controllership. Management comprises Geschäftsführer Marc Breyer and Benjamin Papo.
Kredit24 firmographics
Firmographics- Name
- Kredit24
- Legal name
- Kredit24 GmbH
- Website
- https://kredit24.de
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Kredit24 GmbH is a Hamburg-based digital loan brokerage platform comparing consumer and mortgage credit offers from 500+ bank and building-society partners via the Europace integration, serving German consumers and English-speaking expats under affiliate/referral commission economics as part of the Bilthouse Group.
- Ownership category
- akta.pro rank
Kredit24 industry classification
Industry- Product category
- Consumer Loan Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- P2P Debt Consolidation & Refinancing (FSAKAHAB)
- akta.pro secondary industry
- P2P Secured / Collateralized Lending (General) (FSAKAHAJ)
Keywords
Where Kredit24 is headquartered
LocationHeadquarters
- HQ city
- Hamburg
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Kredit24 business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations
Revenue model
- Loan brokerage / commission revenue: Kredit24 generates revenue by acting as an intermediary between customers seeking loans and a network of 500+ bank partners for mortgage financing and 50+ banks for personal loans. The company earns commission/fees from partner banks for each successfully placed loan. The service is free for customers — they compare and apply at no charge, with partner banks compensating Kredit24.
- Referral fees from financial product partners: For specialized products such as the ING DiBa Rahmenkredit (revolving credit), Kredit24 directs customers to partner institutions and earns referral fees. The company maintains commercial relationships with various banks, insurers, and building societies.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free loan comparison and brokerage service |
| Other | Monthly | Personal loans from €1,000 to €100,000 |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels9 records
Kredit24 product offering
Product offeringCore offering
Kredit24 is a German digital loan brokerage platform that compares and routes consumer credit applications to a network of 50+ partner banks for personal loans and 500+ banks for mortgage and construction financing via the Europace integration platform. The service is free for customers and offers SCHUFA-neutral comparisons with fully digital application and contract execution (VideoIdent). It also provides dedicated English-language support for expats in Germany.
Product overview
Kredit24 is a German online loan brokerage platform operating as part of the Bilthouse Group, offering a comprehensive suite of credit products and financial tools. The core offering centers on the Kreditvergleich (credit comparison) platform, which aggregates loan offers from over 50 partner banks for various credit needs. The product portfolio encompasses consumer lending products (online credit, instant credit, quick credit, small loans, mini loans, revolving credit, and senior credit), automotive financing (auto loans with balloon financing options), home improvement loans (modernization and renovation credits), and mortgage financing (construction loans, property financing, and follow-up financing from over 500 banks). The platform provides an extensive suite of calculator tools including loan calculators, annuity calculators, amortization calculators, financing calculators, auto loan calculators, budget calculators, and interest rate tools to support financial planning. A specialized English-language product targets expats in Germany, while an AI-powered chatbot assistant (Kredit24 KI-Assistent) provides conversational support for credit inquiries and loan request preparation.
Differentiator
Problem solved
Functional benefit
Products and services
- Kreditvergleich (Credit Comparison) Core platform enabling customers to compare personal loan offers from 50+ partner banks in a SCHUFA-neutral manner and apply online for amounts between €1,000 and €100,000.
- Online Personal Credit (Sofortkredit / Privatkredit / Schnellkredit / Kleinkredit / Minikredit / Senior Credit) Digital personal installment loans for individual consumers, including instant, private, quick, small, mini, and senior credit variants, applied for fully online with amounts from €1,000 to €100,000 and flexible terms.
- Autokredit (Auto Loan) Vehicle financing product for cars, motorcycles, and motorhomes, including balloon financing options, provided through partner banks.
- Modernisierungs- und Renovierungskredit (Modernization and Renovation Loan) Loan product for home renovation and energy modernization projects, including roof renovation, photovoltaic systems, and heating system replacement, with potential access to BAFA subsidies.
- Baufinanzierung (Construction and Mortgage Financing) Comprehensive mortgage and construction financing brokerage that compares offers from 500+ partner banks, including property purchase, follow-up financing, and ancillary cost financing.
- Rahmenkredit (Revolving Credit) Flexible revolving credit line (Abrufkredit) with limits from €2,500 to €25,000 based on creditworthiness, indefinite duration, and minimum monthly repayment of 1–2% of the credit limit.
- Umschuldung (Debt Restructuring) Loan restructuring service allowing customers to consolidate multiple existing debts into a single loan, potentially at a lower interest rate.
- Personal Online Loans for Expats Dedicated English-language personal loan offering from €1,000 to €100,000 for expats in Germany, with full English-language application process, document upload, and dedicated support agents.
Quantifiable outcome
- Funding typically within 24-48 hours after approval and digital contract signing
- +3 more outcomes
Companies that use Kredit24
Customer profileSegments7 records
Ideal customer profiles5 records
Kredit24 technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability3 records
Feature6 records
Kredit24 partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core, minor and flagship.
- Europace AGcoreEuropace AG provides the technical platform infrastructure used by Kredit24 to route mortgage and loan applications to a network of 500+ bank partners. Customer application data is transmitted to Europace after consent, where it is processed and forwarded to bank partners and human advisors for further handling.
- Alte LeipzigerminorBank partner whose logo appears in the partner bank network section on kredit24.de, indicating participation in the loan comparison and brokerage network.
- Hanseatic BankminorBank partner appearing in Kredit24's partner network logo section.
- ING GermanyminorBank partner appearing in Kredit24's partner network logo section.
- auxmoneyminorPeer-to-peer lending platform partner appearing in Kredit24's partner bank network.
- Consors Finanz (BNPP)minorBank partner (part of BNP Paribas group) appearing in Kredit24's partner network.
- Deutsche BankminorBank partner appearing in Kredit24's partner network logo section.
- CommerzbankminorBank partner appearing in Kredit24's partner network logo section.
- SparkasseminorSavings bank partner appearing in Kredit24's partner network logo section.
- VolksbankminorCooperative bank partner appearing in Kredit24's partner network logo section.
- TargobankminorBank partner appearing in Kredit24's partner network logo section.
- KfW BankminorGerman development bank (KfW) partner appearing in Kredit24's network, relevant for subsidized home modernization loans.
- ING DiBa (as referenced in product content)minorING DiBa is specifically recommended by Kredit24 for revolving credit (Rahmenkredit) products, with a tracked affiliate link through financeads.net.
- OpenAI (ChatGPT)coreOpenAI Ireland Ltd. serves as the AI processing engine for the Kredit24 KI-Assistent chatbot. Chat inputs are sent to OpenAI for response generation and structuring from Phase 2 of the chat process. OpenAI does not use customer data for model training.
- HubSpotcoreHubSpot Ireland Limited provides the CRM and marketing automation platform used by Kredit24 for customer relationship management, lead tracking, email marketing automation, and inquiry follow-up quality assurance.
- Bilthouse Group (Bilthouse GmbH, Baufi24, creditweb, FinLink, Hüttig & Rompf)flagshipKredit24 GmbH is a subsidiary of the Bilthouse Group, which encompasses several financial product platforms including Baufi24 (mortgage financing), creditweb (mortgage comparison), FinLink, and Hüttig & Rompf. The group processes ~€5 billion in financing volume annually across all platforms with 700+ employees. Group companies share customer data under joint controllership arrangements per GDPR Art. 26.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Kredit24 competitors and assessment
Company assessmentDirect peers
- Check24: Germany's largest multi-product comparison portal, including personal loans and Baufinanzierung. Direct competitor to Kredit24 with significantly larger brand recognition, broader product portfolio (insurance, energy, telecom), and substantially higher traffic scale.
- Verivox: Major German price-comparison platform owned by ProSiebenSat.1, offering credit and Baufinanzierung comparison alongside insurance and energy products. Highly comparable operating model and target customer base to Kredit24.
- Smava: Berlin-based digital loan comparison platform that aggregates offers from multiple banks for personal loans and credit products. Closely aligned business model with Kredit24, primarily serving German consumers online.
- Finanzcheck.de: German online loan comparison portal (owned by finanzcheck.de AG) comparing personal loans and Baufinanzierung offers from multiple lenders. Directly competes for the same target customer and product set.
- Baufi24: Sister company within the Bilthouse Group specializing in mortgage financing. Shares Europace-based comparison technology and serves overlapping customers but focuses exclusively on Baufinanzierung rather than personal loans.
- Check24 Vergleichsportal (Loan vertical): Specific loan vertical of Check24 — the largest direct competitor for consumer loan comparison traffic in Germany, with strong SEO presence and the broadest bank partner network outside of Europace-routed platforms.
- Creditweb: Another Bilthouse Group mortgage comparison platform. Operates the same comparator model on the same Europace infrastructure; strongly relevant as intra-group peer and as a benchmark for the Kredit24 proposition.
Broad incumbents
- Interhyp: Germany's largest independent mortgage broker (subsidiary of ING-DiBa), specializing in Baufinanzierung. Comparable in mortgage brokerage model to Kredit24 but operates as a much larger, more established player in a specialized mortgage vertical.
- Dr. Klein Privatkunden AG: Long-established German mortgage and consumer finance broker offering Baufinanzierung and personal loan comparison through both digital channels and a large advisor network. Comparable broker model with deeper historical presence.
Others
- Europace AG: Core technology platform that Kredit24 (and competitors) depend on to route mortgage and loan applications to partner banks. Functions as the primary infrastructure layer and ecosystem enabler for German loan brokers rather than a direct consumer-facing competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks4 records
Key highlights7 records
Customer concentration
Kredit24 social profiles
Digital presenceKredit24 financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kredit24 leadership team
Management profileNumber of profiles
Profiles2 records
Kredit24 funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kredit24 M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kredit24
What does Kredit24 do?
Kredit24 is a German digital loan brokerage platform that compares and routes consumer credit applications to a network of 50+ partner banks for personal loans and 500+ banks for mortgage and construction financing via the Europace integration platform. The service is free for customers and offers SCHUFA-neutral comparisons with fully digital application and contract execution (VideoIdent). It also provides dedicated English-language support for expats in Germany.
Is Kredit24 a public or private company?
Kredit24 is a private company. It is classified as corporate owned and is currently operating.
When was Kredit24 founded?
Kredit24 was founded in 2020. It employs 1 to 10 people.
Where is Kredit24 based?
Kredit24 is headquartered in Hamburg, Germany, in the Europe region.
How does Kredit24 make money?
Two revenue lines are on record. Loan brokerage / commission revenue is the primary driver. The others are referral fees from financial product partners.
Who are Kredit24's main competitors?
Direct peers on record are Check24, Verivox, Smava, Finanzcheck.de, Baufi24, Check24 Vergleichsportal (Loan vertical) and Creditweb. Broad incumbents are Interhyp and Dr. Klein Privatkunden AG. Europace AG is listed as an others.
Does Kredit24 have an API?
No public API is recorded for Kredit24.
What industry is Kredit24 in?
Kredit24's product category is Consumer Loan Brokerage. Its primary akta.pro industry code is FSAKAHAB, P2P Debt Consolidation & Refinancing, with a secondary code of FSAKAHAJ, P2P Secured / Collateralized Lending (General). Its NAICS code is 52231 and its SIC code is 6163.