S-Kreditpartner
- Company typePrivate
- Founded2011
- HeadquartersBerlin, Germany
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What S-Kreditpartner does
S-Kreditpartner GmbH is a Berlin-based, BaFin-regulated installment credit institution founded in 2011 as a specialized digital lending partner for the Sparkassen-Finanzgruppe, Germany's largest banking network. The company is jointly owned by Deutsche Leasing, Berliner Sparkasse/BSK 1818, and SKP Verbundgesellschaft, and is led by Managing Directors Heinz-Günter Scheer and Jan Welsch. Its core consumer products include purpose-bound and general-purpose installment loans (Privatkredit, Autokredit, Modernisierungskredit, Sofortkredit, Kleinkredit, Ratenkredit), the FlexiGeld revolving credit card, and residual credit insurance (Restkreditversicherung) packaged across three coverage tiers. The company serves both private individual customers and Sparkassen partner institutions, distributing credit products through over 345 Sparkassen branches (with 60%+ operating as Vollkooperationspartners), approximately 580 car dealers nationwide, fully digital online channels, and inside-sales telephone services.
S-Kreditpartner firmographics
Firmographics- Name
- S-Kreditpartner
- Legal name
- S-Kreditpartner GmbH
- Website
- https://s-kreditpartner.de
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
S-Kreditpartner industry classification
Industry- Product category
- Consumer Lending (Installment Credit)
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Nondepository Credit Intermediation (5222)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- B2B Channel Partners & Referral Agencies (Cross-Industry Referral) (FSAEAMAN)
- akta.pro secondary industry
- Auto & Vehicle Loan Brokerage (FSAEAEAK)
Keywords
Where S-Kreditpartner is headquartered
LocationHeadquarters
- HQ city
- Berlin
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
S-Kreditpartner business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Installment Loans (Ratenkredite): Core revenue from interest on personal loans, auto loans, modernization loans, and other installment credit products. Products include Privatkredit, Autokredit, Sofortkredit, Kleinkredit, Modernisierungskredit, and Umschuldungskredit. S Kredit-per-Klick enables fully digital application and disbursement with same-day funding capability.
- FlexiGeld Revolving Credit: Revolving credit card offering flexible personal credit line. Customers can pay contactless, online, and in stores. Flexible repayment structure allows customers to pay back as they choose.
- Restkreditversicherung (RKV): Residual credit insurance offered in three tiers: Basisschutz (death coverage), Kompaktschutz (death + disability), and Komplettschutz (death + disability + unemployment). Insurance premiums contribute to revenue. Partners with Bayern-Versicherung, ProTect Versicherung AG, Provinzial Rheinland, SV SparkassenVersicherung, and neue leben.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Monthly | Modernization/Renovation Loans: €1,000 to €80,000, 12-120 month terms |
| One time/ perpetual license | Monthly | S Kredit-per-Klick: Fully online personal credit |
| Usage-based | Pay-as-you-go | FlexiGeld: Revolving credit card |
| Transaction based/ take rate | Monthly | Restkreditversicherung (RKV) packages: Basisschutz, Kompaktschutz, Komplettschutz |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels16 records
S-Kreditpartner product offering
Product offeringCore offering
S-Kreditpartner is the specialized installment-loan partner of Germany's Sparkassen-Finanzgruppe, providing personal, automobile, and modernization loans plus the FlexiGeld revolving credit card to consumers primarily through Sparkassen branches and a fully digital S Kredit-per-Klick channel. The company underwrites, prices, and services these loans end-to-end and arranges optional residual credit insurance (Restkreditversicherung) from partner insurers. It also enables its Sparkassen partners and roughly 580 car dealers to originate credit products under their own customer relationships while SKP handles processing, decisioning, and disbursement.
Product overview
S-Kreditpartner operates as a specialized installment credit partner within the Sparkassen-Finanzgruppe, offering a unified digital lending platform centered on the S Kredit-per-Klick product. The core portfolio includes purpose-specific loans (Autokredit, Modernisierungskredit) alongside general-purpose loans (Privatkredit, Ratenkredit), supplemented by the FlexiGeld revolving credit card. The platform enables 100% online credit applications with instant decisions, supported by digitel phone-based conversion services that connect online applicants with advisors in real-time. Additional offerings include credit protection insurance (RKV) with automated processes, the KCT phone service center, and the ESI home-visit program. Partners access the SKP.community platform and annual SKP-Journal for insights. The company was founded in 2011 and serves over 90% of German Sparkassen.
Differentiator
Problem solved
Functional benefit
Brands
- FlexiGeld: A flexible personal credit line with a revolving credit card that can be used contactlessly for payments online, in apps, and in stores.
- SKP-Journal
Products and services
- S Kredit-per-Klick (Personal Loan) Flagship 100% online installment-credit product for Sparkassen customers with online banking; a 5-minute application, instant credit decision, electronic contract signing via the Sparkassen online-banking postbox, and same-day disbursement without document submission. Targeted at German-resident Sparkassen customers aged 18+ with salary or pension paid into their Sparkassen giro account.
- S-Autokredit (Auto Loan) Purpose-bound vehicle financing with the vehicle serving as collateral, equal installments, instant credit decisions, and direct payout to the customer's account. Distributed through approximately 580 car dealers nationwide in addition to the standard Sparkassen and online channels.
- FlexiGeld (Revolving Credit Card) Revolving credit card giving a flexible personal credit line for contactless, online, and in-store payments, with flexible repayment terms suited to the customer's cash flow. Offered as a sub-brand through Sparkassen and SKP channels.
- Modernisierungskredit (Modernization/Renovation Loan) Renovation and modernization loan for home improvements with credit amounts from €1,000 to €80,000 and terms of 12 to 120 months. No purpose documentation is required; freely usable for renovation, modernization, or sanitation. No processing fees and free early repayment.
- Restkreditversicherung (RKV) — Credit Protection Insurance Optional residual credit insurance bundled with SKP loans, available in three tiers: Basisschutz (death only), Kompaktschutz (death + occupational disability), and Komplettschutz (death + disability + unemployment). Distributed with insurance partners Bayern-Versicherung, ProTect Versicherung, Provinzial Rheinland, SV SparkassenVersicherung, and neue leben.
- digitel / digitel 2.0 (Telephone Sales Service) Phone-based lead-conversion service that connects online credit applicants with specialized SKP telephone consultants in real time. Combines intelligent data selection with personal consultation, achieving same-session closings. Reported at 43% growth in 2024, 20% of total business, and an average of 4 closings per consultant per day in 2024 (rising to 6 per day in H1 2025).
- SKP.community (Partner Information Platform) Online partner-network platform giving Sparkassen-Finanzgruppe investors access to current and relevant facts and data about S-Kreditpartner's products and programs.
Quantifiable outcome
- 30% increase in new business YoY for 2024
- +5 more outcomes
Companies that use S-Kreditpartner
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
S-Kreditpartner technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability3 records
Feature7 records
S-Kreditpartner partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and minor.
- Sparkassen (German Savings Banks)coreOver 345 Sparkassen offer S-Kreditpartner credit products. More than 60% are Vollkooperationspartners with S-Privatkredit as their main credit product. Products distributed in branches, via online banking, S-App, and telephone.
- Car Dealers (Fahrzeughändler)coreApproximately 580 car dealers across Germany offer S-Kreditpartner auto credit products including S-Autokredit with competitive rates and same-day disbursement.
- Bayern-Versicherung Lebensversicherung AGminorInsurance partner for residual credit insurance products. One of several insurance providers cooperating with S-Kreditpartner for RKV (Restkreditversicherung) coverage.
- ProTect Versicherung AGminorInsurance partner for residual credit insurance products offered through S-Kreditpartner.
- Provinzial Rheinland Lebensversicherung AGminorInsurance partner for residual credit insurance products. Part of the Provinzial insurance group.
- SV SparkassenVersicherung Lebensversicherung AGminorInsurance partner for residual credit insurance products. SV SparkassenVersicherung is part of the Sparkassen financial group.
- SV SparkassenVersicherung Sachversicherung AGminorInsurance partner for property and casualty coverage integrated with S-Kreditpartner offerings.
- neue leben Lebensversicherung AGminorInsurance partner for life insurance products related to credit insurance offerings.
- neue leben Unfallversicherung AGminorInsurance partner for accident insurance products integrated with S-Kreditpartner credit offerings.
- Risk.Ident GmbHcoreFraud prevention technology provider. Risk.Ident operates device fingerprinting and maintains a fraud device database. During credit application, SKP checks devices against this database and reports confirmed fraud devices. Joint controllers with SKP for fraud prevention data processing.
- Carsten Herbert (Energiesparkommissar)minorEnergy expert and Spiegel bestseller author. Partner for Forum Klimapartner events on heat pumps and energy transition. Collaborated on Wissensportal Wärmepumpe knowledge portal with approximately 60 video clips across 5 knowledge areas for Sparkassen customer consultation.
- Niklas Bäcker (Berliner Hochschule für Technik)minorExpert in humanoid robotics at Berlin University of Applied Sciences. Featured speaker at Biernach4 livestream event on humanoid robotics and AI connection.
Scale indicators10 records
Recent moves6 records
Expansion highlights6 records
S-Kreditpartner competitors and assessment
Company assessmentBroad incumbents
- CHECK24 Vergleichsportal: Germany's largest multi-vertical comparison portal with a substantial consumer credit brokerage vertical. A broad incumbent operating across insurance, banking, and travel, but its credit vertical directly intermediates Ratenkredite in competition with SKP's digital channel.
- Deutsche Bank AG: Germany's largest universal bank, with retail consumer credit, auto finance (Deutsche Bank Autobank), and digital lending offerings that compete broadly with SKP across personal loan and auto loan categories.
- ING-DiBa Germany: Frankfurt-based direct bank and one of Germany's largest retail banks, offering installment loans, auto loans and consumer credit via fully digital channels. Comparable digital-first competitor to SKP's S Kredit-per-Klick with a national customer base.
- TARGOBANK Deutschland: Major German consumer bank offering installment loans, auto loans, and credit cards through branch and digital channels. A broad incumbent that overlaps with SKP's product portfolio but operates its own distribution rather than partnering with Sparkassen.
Emerging players
- Solaris SE: Berlin-based Banking-as-a-Service platform that also originates and services consumer and SME credit in partnership with European banks. Comparable to SKP as a German-headquartered digital credit originator, though Solaris serves a broader B2B embedded-finance audience rather than partnering with the Sparkassen network specifically.
Others
- Interhyp AG: Germany's largest mortgage broker, operating a comparable B2B2C broker model partnering with regional banks and Sparkassen for mortgage distribution. Same loan-brokerage operating model as SKP but in residential mortgages rather than consumer installment credit.
Direct peers
- Smava GmbH: Berlin-based credit comparison and origination platform that aggregates personal loan offers from multiple German banks. Directly competes with SKP for online consumer credit demand and is one of the lenders surfaced through the Finanzcheck integration on SKP's own website.
- SWK Bank: German online direct bank specializing in consumer installment loans (Privatkredit, Umschuldung, Autokredit). Closely comparable digital-first consumer credit offering, competing with SKP for the same self-directed online borrower.
- auxmoney: Germany's largest P2P / marketplace consumer credit platform, originating personal loans and brokering them to retail investors and institutional funders. Direct competitor to SKP in the German consumer installment loan market, with overlapping products (Privatkredit, Umschuldung) and a digital-first GTM.
- Creditplus Bank AG: German consumer credit specialist bank (part of Crédit Agricole group) offering installment loans, auto financing and modernization loans via digital and broker channels. Closely comparable product portfolio and target customer to SKP's Privatkredit, Autokredit and Modernisierungskredit lines.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
S-Kreditpartner social profiles
Digital presenceS-Kreditpartner compliance and trust
Trust signalCompliance5 records
S-Kreditpartner financial estimates
Financial estimateRevenue estimate
Valuation estimate
S-Kreditpartner leadership team
Management profileNumber of profiles
Profiles12 records
S-Kreditpartner funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
S-Kreditpartner 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 S-Kreditpartner
What does S-Kreditpartner do?
S-Kreditpartner is the specialized installment-loan partner of Germany's Sparkassen-Finanzgruppe, providing personal, automobile, and modernization loans plus the FlexiGeld revolving credit card to consumers primarily through Sparkassen branches and a fully digital S Kredit-per-Klick channel. The company underwrites, prices, and services these loans end-to-end and arranges optional residual credit insurance (Restkreditversicherung) from partner insurers. It also enables its Sparkassen partners and roughly 580 car dealers to originate credit products under their own customer relationships while SKP handles processing, decisioning, and disbursement.
Is S-Kreditpartner a public or private company?
S-Kreditpartner is a private company. It is classified as corporate owned and is currently operating.
When was S-Kreditpartner founded?
S-Kreditpartner was founded in 2011. It employs 251 to 500 people.
Where is S-Kreditpartner based?
S-Kreditpartner is headquartered in Berlin, Germany, in the Europe region.
How does S-Kreditpartner make money?
Three revenue lines are on record. Installment Loans (Ratenkredite) is the primary driver. The others are flexiGeld Revolving Credit and restkreditversicherung (RKV).
Who are S-Kreditpartner's main competitors?
Broad incumbents on record are CHECK24 Vergleichsportal, Deutsche Bank AG, ING-DiBa Germany and TARGOBANK Deutschland. Solaris SE is listed as an emerging player. Interhyp AG is listed as an others. Direct peers are Smava GmbH, SWK Bank, auxmoney and Creditplus Bank AG.
Does S-Kreditpartner have an API?
No public API is recorded for S-Kreditpartner.
What industry is S-Kreditpartner in?
S-Kreditpartner's product category is Consumer Lending (Installment Credit). Its primary akta.pro industry code is FSAEAMAN, B2B Channel Partners & Referral Agencies (Cross-Industry Referral), with a secondary code of FSAEAEAK, Auto & Vehicle Loan Brokerage. Its NAICS code is 52231 and its SIC code is 6163.