Dr. Klein Ratenkredit

What Dr. Klein Ratenkredit does

Dr. Klein Ratenkredit GmbH is a Lübeck-based, privately held credit intermediary (GmbH) operating exclusively in Germany as a wholly-owned subsidiary of the publicly listed Hypoport SE FinTech group. The company intermediates installment loans (Ratenkredit) for private customers and provides modular B2B credit services to banks, insurance brokers, and dealers who either refer customers (Tippgeber), supply credit products (Produktgeber), or resell the company's advisory and processing capabilities. The company serves both end consumers directly (via phone-based consultation and a digital self-service application flow with 24-hour disbursement capability) and B2B partners (via affiliate, referrer, and credit advisor models). Its core technology stack is the Europace KreditSmart platform, one of Germany's leading credit intermediation engines, which the company uses to compare offers across 13+ bank partners, verify documents, and process applications. A separate secure, 24/7 digital document upload platform allows customers to submit paperwork and check application status.

The business model is purely transaction-based: the company earns commissions from bank partners on successfully intermediated credit transactions and shares a portion of these commissions with referring brokers and dealers. Pricing is not publicly disclosed; consumer-facing service is described as free and non-binding, with revenue generated exclusively through bank-side commission flows. Customer concentration sits on two sides: a long tail of 20,375+ private customers served to date (per 2024 highlights) and a panel of major German and international bank partners including Deutsche Bank, ING, Sparkasse, Santander, DKB, Credit Plus, Targo Bank, Hanseatic Bank, NorisBank, PSD Bank, SKG Bank, SWK Bank, and Cortal Consors (BNP Paribas). The company holds three regulated permits under German trade law (§34c GewO for loan intermediation, §34d GewO for insurance brokerage, and §34i GewO for real estate loan intermediation), supervised by IHK Lübeck, and operates GDPR-compliant data processing and partner reporting. Headcount stood at 56 professional employees as of 2024, and the company has held continuous Leading Employer certifications from 2019 through 2026, plus DIQP Top Service certifications for 2024/2025 and 2025/2026.

Name

Dr. Klein Ratenkredit

Legal name

Dr. Klein Ratenkredit GmbH

Website

https://drklein-rk.de

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

51–100 employees

Short description

Dr. Klein Ratenkredit is a German credit intermediary that matches private customers and B2B partners (banks, brokers, dealers) with installment loan offers from 13+ bank partners via the Europace KreditSmart platform, earning transaction-based commissions and operating under §34c/§34d/§34i GewO permits.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

B2B Channel Partners & Referral Agencies (Cross-Industry Referral) (FSAEAMAN)

akta.pro secondary industry

SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

Keywords

• Consumer installment loans
• Credit intermediation
• Loan comparison platform
• B2B credit brokerage
• Financial intermediary services

Headquarters

HQ city

Lübeck

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission/Provision from Banks: The company earns commissions from bank partners for successfully intermediated credit transactions. This is a transaction-based revenue model where the company acts as a credit intermediary.
2. Provisionsbeteiligung (Commission Participation): Partner commission participation model allowing banks, brokers and dealers to share in revenues when customers are successfully served through the platform.

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Dr. Klein Ratenkredit operates as a credit intermediary (Kreditvermittler) connecting German private customers seeking installment loans (Ratenkredite) with more than 13 partner banks, using Europace's KreditSmart platform for comparison and processing. The service covers end-to-end loan intermediation including telephone customer consultation, wish clarification, creation of tailored financing solutions, document clearing, contract management, and loan disbursement (possible within 24 hours after approval). For B2B partners (banks, brokers, dealers), it offers modular services as Tippgeber or Produktgeber, allowing partners to offer installment credit products without holding their own §34c GewO license.

Product overview

Dr. Klein Ratenkredit operates as a modular installment credit (Ratenkredit) intermediary platform serving both private customers and B2B partners (banks, brokers, dealers). For private customers, the core product is a comparison and selection service for personalized credit offers from multiple partner banks, with a fully digital application process and fast disbursement. For B2B partners, the offering is built around three modules — Telefonvertrieb (telephone sales), Produktvielfalt (product diversity across renowned bank partners), and Clearingstelle (document clearing and submission) — all facilitated via Europace's KreditSmart platform. An ancillary digital document upload platform enables customers to securely transmit documents and track their application status. The company holds required regulatory permits under §34c, §34d, and §34i GewO and is part of the Hypoport SE network of FinTech companies.

Differentiator

Problem solved

Functional benefit

Products and services

• Installment Credit Services for Private Customers (Ratenkredit für Privatkunden) Installment credit (Ratenkredit) intermediation services for private German customers, providing individualized financing solutions by comparing offers across multiple partner banks (modernization, car financing, free use, self-employed financing). The process is digital, free, and non-binding, with loan disbursements possible within 24 hours.
• Kooperationspartner Services (B2B Partner Services) Modular B2B services for banks, brokers, and dealers including telephone sales, product diversity, and a clearing center, delivered via Europace's KreditSmart platform. Available as affiliate, referrer (Tippgeber), product provider (Produktgeber), or credit advisor (Kreditberater) models. Enables partners to offer needs-based installment loans without their own §34c GewO license.
• Digital Document Upload Platform Secure digital platform available 24/7 that enables customers to upload required loan application documents and check the processing status of their credit application through a digital assistant.

Quantifiable outcome

• 20,375 happy customers served
• +2 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

15 partnerships are on record, tiered core and flagship.

• Cortal Consors (BNP Paribas)coreChannel Partner/ Reseller/ DistributorBank partner for credit products including Cortal Consors (now BNP Paribas). Part of the 13+ bank partners offering products for modernization, auto financing, free use, and self-employed financing.
• Deutsche BankcoreChannel Partner/ Reseller/ DistributorMajor German bank partner offering credit products through Dr. Klein Ratenkredit's platform and services.
• Deutsche Kreditbank (DKB)coreChannel Partner/ Reseller/ DistributorDigital bank partner offering credit products through the comparison platform.
• Hanseatic BankcoreChannel Partner/ Reseller/ DistributorBank partner offering credit products through the platform.
• ING GroupcoreChannel Partner/ Reseller/ DistributorMajor international bank partner providing credit products through Dr. Klein Ratenkredit's network.
• NorisBankcoreChannel Partner/ Reseller/ DistributorBank partner offering credit products through the comparison and intermediation platform.
• PSD BankcoreChannel Partner/ Reseller/ DistributorCooperative bank partner in the network offering credit products.
• SantandercoreChannel Partner/ Reseller/ DistributorMajor international bank partner offering credit products through the platform.
• SKG BankcoreChannel Partner/ Reseller/ DistributorBank partner offering credit products through the network.
• SparkassecoreChannel Partner/ Reseller/ DistributorGerman savings banks association partner - one of Germany's largest banking groups - offering credit products.
• SWK BankcoreChannel Partner/ Reseller/ DistributorBank partner offering credit products through the platform.
• Targo BankcoreChannel Partner/ Reseller/ DistributorBank partner offering credit products through the network.
• Credit PluscoreChannel Partner/ Reseller/ DistributorBank partner specializing in credit products available through the platform.
• Europace (KreditSmart)coreTechnology or IntegrationTechnology platform used by Dr. Klein Ratenkredit for credit comparison and processing. KreditSmart is one of the leading credit intermediation platforms in Germany.
• Hypoport SEflagshipStrategic or Co-development PartnerParent company and holding of a network of around 20 autonomous technology companies. Listed company since 1954, one of the market leaders in the FinTech sector. Dr. Klein Ratenkredit is part of the Hypoport Group operating in the financial, real estate and insurance sectors.

Scale indicators3 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Smava: Berlin-based German credit comparison and brokerage platform focused specifically on installment loans and mortgage refinancing. Closely comparable to Dr. Klein Ratenkredit in product focus, target customer (German retail borrowers), and commission-based business model.
• Creditolo: German online credit broker specializing in installment loans, including for borrowers with more challenging credit profiles. Comparable in product focus and customer base (German retail borrowers seeking personal loans), serving as a smaller direct competitor in the same niche.
• Finanzcheck: German online credit comparison platform specializing in installment loans, auto financing, and debt restructuring. Comparable as a direct competitor in digital credit intermediation, serving similar retail customer segments with multi-bank lender panels.
• Bon-Kredit: German credit broker offering installment loan comparison across multiple banks, with particular focus on borrowers with non-prime credit profiles. Comparable in business model (commission-based multi-bank intermediation) and target segment (German retail).
• Verivox: One of Germany's leading independent consumer comparison portals, offering installment credit comparison and brokerage from multiple lenders. Directly competes with Dr. Klein Ratenkredit in multi-bank credit intermediation for German retail customers with a similar commission-based revenue model.

Emerging players

• Baufi24: German online mortgage comparison and brokerage platform. Related as a Hypoport-affiliated digital credit intermediation channel; comparable in technology model (Europace platform) but focused on mortgage rather than installment credit.

Broad incumbents

• Check24: Germany's largest price-comparison portal, offering consumer credit comparison and brokerage alongside insurance, banking, telecom, and travel. Directly comparable as a credit intermediation channel serving German consumers with multi-bank lender access, but at materially greater scale and across many more verticals.
• Interhyp: Germany's largest independent mortgage broker and a Hypoport SE subsidiary. Comparable as a sister entity within Hypoport offering consumer credit intermediation (mortgage) through a similar multi-bank distribution model, though focused on home loans rather than installment credit.

Regional players

• BAF (Bank für Vermögensanlage und Finanzdienstleistung) / Honorarfinanz AG: German fee-based financial advisory and credit brokerage firm operating in the German market with comparable loan intermediation services. Related as a regional German competitor in credit brokerage and advisory distribution.

Others

• Europace: Hypoport's technology subsidiary and operator of the KreditSmart credit intermediation platform that Dr. Klein Ratenkredit depends on. Comparable as an enabling technology provider within the same group, supplying the core infrastructure for credit comparison and processing.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/drklein-rk

Compliance15 records

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 Dr. Klein Ratenkredit