easyCredit

What easyCredit does

easyCredit is the consumer credit brand of TeamBank AG Nürnberg, a BaFin- and ECB-supervised German stock corporation (Aktiengesellschaft) embedded within the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken cooperative banking network. The company originates unsecured consumer installment loans (Sofortkredit) ranging from €1,000 to €75,000 over 12-84 month terms at fixed interest rates between 5.99% and 16.99%, serving a broad base of German retail consumers for purposes including auto financing, home renovation, debt consolidation, education, and general household purchases. Its distinctive product feature is the bundled Finanzieller Spielraum, a free-of-charge revolving credit reserve where interest accrues only when funds are actually withdrawn, accessible in real time via the easyCredit+ mobile app.

The technology stack centers on a digital lending platform that combines automated credit decisioning (Sofortentscheidung with sub-5-minute decisions), VideoIdent identity verification, qualifizierte elektronische Signatur (digital signature), a Digitaler Kontoblick for income and obligation verification without manual document upload, and Echtzeit-Überweisung real-time payment disbursement within approximately 30 minutes of contract completion. The platform supports both direct-to-consumer digital onboarding and partner-bank-channel integration with over 8,000 branch locations of the cooperative financial group. Account management is enabled through the easyCredit+ iOS/Android apps (combined downloads of over 549,000), the Kundenportal web customer portal, and an Antragsportal for live application status tracking.

easyCredit's go-to-market operates on a hybrid direct/channel model: self-service digital application via website and app, inside sales through a phone-based customer service center, and referral through the embedded Volksbanken/Raiffeisenbanken branch network. Revenue is generated almost entirely through net interest income on drawn loan balances, structured as a freemium pricing model in which the revolving reserve component carries no cost unless drawn. The company is private (not publicly traded), is not venture-backed, and has no funding rounds in its history; ownership and capital structure sit within the cooperative banking group. Recent recognition includes #1 ranking in the BankingCheck Award 2025 across 103 tested installment loans, the FOCUS MONEY Fairster Kreditgeber 2025 designation, and the eKomi Gold Siegel customer review badge, reflecting high customer satisfaction (4.9/5 from 1,300+ reviews). Geographic operations are restricted to Germany.

Name

easyCredit

Legal name

TeamBank AG Nürnberg

Website

https://easycredit.de

Company type

Private

Operating status

Operating

Headcount range

501–1,000 employees

Short description

easyCredit is the consumer credit brand of TeamBank AG Nürnberg, a BaFin-supervised German bank embedded in the Volksbanken Raiffeisenbanken cooperative network, offering unsecured installment loans of €1,000-€75,000 to German retail consumers via digital channels and 8,000+ partner bank branches.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Nondepository Credit Intermediation (5222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Prime Unsecured Personal Loans (Installment) (FSAKAAAA)

akta.pro secondary industries

Debt Consolidation Personal Loans (Unsecured Installment) (FSAKAAAD), Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)

Keywords

• Consumer installment loans
• Revolving credit line
• POS financing
• Credit protection insurance
• Instant credit decisions

Headquarters

HQ city

Nuremberg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income on Loans: Primary revenue stream from interest charges on consumer installment loans. Interest rates range from 5.99% to 16.99% (Sollzins), with effective annual rates varying by creditworthiness and loan terms. Interest income accrues on drawn amounts only; the financial flexibility reserve generates no interest on unused reserved funds.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

easyCredit originates unsecured consumer installment loans (Sofortkredit, €1,000–€75,000, 12–84 months, fixed Sollzins 5.99%–16.99%) for German residents, delivering automated credit decisions in around 5 minutes and disbursement within 30 minutes via real-time transfer. Each loan includes the Finanzieller Spielraum, a free revolving credit reserve that charges interest only when funds are actually drawn, plus optional POS installment (Ratenkauf), invoice financing (Rechnung), and credit protection insurance (R+V CashProtect).

Product overview

easyCredit is a multi-product consumer lending platform offered by TeamBank AG Nürnberg, a member of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. The core product is the easyCredit Sofortkredit, an unsecured installment loan (1,000–75,000 EUR, 12–84 months) with instant credit decisions, same-day payouts, and fixed interest rates. The platform's key differentiator is the bundled Finanzieller Spielraum—a free revolving credit reserve that charges interest only when funds are withdrawn. Additional products include easyCredit-Ratenkauf (installment purchase at POS), easyCredit-Rechnung (invoice financing for partners), and R+V CashProtect (credit protection insurance). The product line extends to auto loans, credit top-ups, debt consolidation, small loans, and a Blitzkredit (express credit) variant. Customers can apply online, via the easyCredit+ mobile app (iOS/Android), or in person at over 8,000 partner bank branches. Account management is available through the easyCredit+ App, the customer portal (Kundenportal), and the application portal (Antragsportal).

Differentiator

Problem solved

Functional benefit

Brands

• easyCredit-Ratenkauf: Installment purchase financing product allowing customers to pay for purchases in installments through partner merchants.
• easyCredit-Rechnung
• easyCredit+ App
• R+V CashProtect

Products and services

• easyCredit Sofortkredit (Instant Installment Loan) Unsecured consumer installment loan for German residents; credit amounts €1,000–€75,000, terms 12–84 months, fixed Sollzins of 5.99%–16.99% (creditworthiness-dependent), with no purpose restriction, no processing fees, no prepayment penalty, and free rate adjustments. Includes the bundled Finanzieller Spielraum reserve.
• Finanzieller Spielraum (Financial Flexibility Reserve) Free revolving credit line bundled with the Sofortkredit that lets customers reserve funds for future use; interest accrues only when money is actually drawn and the reserve can be tapped instantly via the easyCredit+ App.
• easyCredit-Ratenkauf (Installment Purchase) Point-of-sale installment financing enabling customers to pay for purchases at partner retail locations in installments.
• easyCredit-Rechnung (Invoice Financing) Invoice-based installment payment solution offered to merchants so their end customers can pay via installment plans at checkout.
• R+V CashProtect (Credit Protection Insurance) Optional credit protection insurance offered in partnership with R+V Versicherungsgruppe, covering job loss, disability, or death in connection with an easyCredit loan.

Quantifiable outcome

• Credit decision within 5 minutes of application submission
• +3 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Three partnerships are on record, tiered core, minor and flagship.

• Genossenschaftliche FinanzGruppe Volksbanken RaiffeisenbankencoreChannel Partner/ Reseller/ DistributoreasyCredit is distributed through the extensive network of over 8,000 branches of Volksbanken, Raiffeisenbanken, Sparda Banken, and PSD Banken belonging to the cooperative financial group. Partner banks provide in-person Beratung (consultation) and support customers in applying for easyCredit products. TeamBank AG is a member of this group.
• R+V VersicherungsgruppeminorOEM/ Whitelabel/ Licensing PartnerTeamBank AG operates as a tied insurance agent (Gebundener Versicherungsvertreter) for R+V Versicherungsgruppe, offering R+V CashProtect insurance products related to credit protection. The partnership is disclosed in compliance with German insurance distribution regulations (§34d GewO).
• Basketball Bundesliga (BBL)flagshipGTM or Marketing PartnereasyCredit is the main sponsor of the Basketball Bundesliga, with the league officially branded as 'easyCredit Basketball Bundesliga'. The partnership includes arena branding, MVP award sponsorship, team sponsorships, and digital content. This is the company's flagship sports marketing initiative.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Smava: German online loan comparison and direct lending platform brokering consumer installment loans. Directly competes with easyCredit on the same German consumer segment with similar digital application flows.
• CHECK24 Kredit: Germany's largest price-comparison portal aggregating personal loan offers from multiple banks. Competes with easyCredit for the same digitally savvy consumer credit shopper, often on lead/price transparency.

Broad incumbents

• Santander Consumer Bank: Established German consumer bank offering installment loans, auto finance, and credit cards. A large incumbent operating across multiple credit products, overlapping with easyCredit's Ratenkredit and Autokredit offerings.
• ING-DiBa: Major German direct bank with substantial consumer lending portfolio, including installment loans. A scaled incumbent broadly competing with easyCredit across online consumer credit.
• Targobank: German retail bank offering installment loans, credit cards, and personal credit lines. Directly overlaps with easyCredit in consumer installment lending and revolving credit.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/easyCredit
• Facebookfacebook.com/easyCredit
• Instagraminstagram.com/easycredit_de
• TikToktiktok.com/@easycredit_de
• Pinterestpinterest.de/easycredit
• Xx.com/easycredit_de
• LinkedInlinkedin.com/company/teambank

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 easyCredit