S-Kreditpartner

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.

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

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

• Installment credit lending
• Consumer personal loans
• Digital credit platform
• Automobile financing
• Residual credit insurance

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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.
3. 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

Go-to-market motion2 records

Distribution channels6 records

Marketing channels16 records

Core 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

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability3 records

Feature7 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Sparkassen (German Savings Banks)coreChannel Partner/ Reseller/ DistributorOver 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)coreChannel Partner/ Reseller/ DistributorApproximately 580 car dealers across Germany offer S-Kreditpartner auto credit products including S-Autokredit with competitive rates and same-day disbursement.
• Bayern-Versicherung Lebensversicherung AGminorStrategic or Co-development PartnerInsurance partner for residual credit insurance products. One of several insurance providers cooperating with S-Kreditpartner for RKV (Restkreditversicherung) coverage.
• ProTect Versicherung AGminorStrategic or Co-development PartnerInsurance partner for residual credit insurance products offered through S-Kreditpartner.
• Provinzial Rheinland Lebensversicherung AGminorStrategic or Co-development PartnerInsurance partner for residual credit insurance products. Part of the Provinzial insurance group.
• SV SparkassenVersicherung Lebensversicherung AGminorStrategic or Co-development PartnerInsurance partner for residual credit insurance products. SV SparkassenVersicherung is part of the Sparkassen financial group.
• SV SparkassenVersicherung Sachversicherung AGminorStrategic or Co-development PartnerInsurance partner for property and casualty coverage integrated with S-Kreditpartner offerings.
• neue leben Lebensversicherung AGminorStrategic or Co-development PartnerInsurance partner for life insurance products related to credit insurance offerings.
• neue leben Unfallversicherung AGminorStrategic or Co-development PartnerInsurance partner for accident insurance products integrated with S-Kreditpartner credit offerings.
• Risk.Ident GmbHcoreTechnology or IntegrationFraud 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)minorStrategic or Co-development PartnerEnergy 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)minorStrategic or Co-development PartnerExpert 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

Broad 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

• YouTubeyoutube.com/user/SKreditpartner
• Facebookfacebook.com/s.kreditpartner
• LinkedInlinkedin.com/company/s-kreditpartner
• Instagraminstagram.com/s_kreditpartner
• Xx.com/s_kreditpartner

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 S-Kreditpartner