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DKB
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DKB Ratenkredit

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DKB • EUR

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2,5 / 10

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In brief
interest rate 6,79%
Loan amount up to 100 000 EUR
Period 12–120 mo.

Our review

Ingrid Schneider · Updated: 27 August 2026

DKB Ratenkredit Reviewed

The DKB Ratenkredit is an online consumer loan from Deutsche Kreditbank for private individuals, with free use of funds. A notable feature compared with many other providers: the interest rate is independent of creditworthiness, meaning every approved customer receives the same rate regardless of their individual Schufa score.

Interest and Costs

The effective annual percentage rate (APR) starts at 6.79% (nominal rate from 6.59% p.a.), with the "Sofort" (instant) variant additionally advertised with a 0.3 percentage point bonus. Since the rate is independent of creditworthiness, there is no usual rate range based on credit score. Loan amounts up to €100,000 can be financed; the bank's representative example cites a loan amount of €15,000. No minimum loan amount is explicitly stated on the offer page.

Terms and Requirements

The term can be chosen between 12 and 120 months. No separate processing fee is mentioned. According to the provider, additional repayments are possible free of charge at any time, with no early repayment penalty. The faster "Sofort" variant requires a digital account check, where the salary account is linked via online banking access; for the "Klassisch" (classic) variant, the corresponding proof must instead be submitted as documents. The bank does not state a specific minimum income on this page.

Pros and Cons

  • Rate independent of creditworthiness — no uncertainty about your rate tier
  • Free additional repayment possible at any time, no early repayment penalty
  • Flexible term from 12 to 120 months
  • Loan amounts up to €100,000 available
  • Fast "Sofort" variant via digital account check
  • Effective APR from 6.79% is notably higher than the entry rate of many competitors with creditworthiness-based pricing
  • No minimum loan amount stated on the offer page
  • No specific minimum income stated

Verdict

The DKB Ratenkredit is best suited for customers who value planning certainty and don't want to gamble on a potentially better but uncertain credit-score-based rate: the rate from 6.79% APR applies regardless of individual creditworthiness. Customers with very good creditworthiness may find a cheaper rate with other providers that price based on credit score.

✓ Pros

  • ✓ Rate independent of creditworthiness, no uncertainty about rate tier
  • ✓ Free additional repayment at any time, no early repayment penalty
  • ✓ Flexible term from 12 to 120 months
  • ✓ Loan amounts up to €100,000 available
  • ✓ Fast Sofort variant via digital account check

✕ Cons

  • ✕ APR from 6.79% notably higher than entry rate of creditworthiness-based competitors
  • ✕ No minimum loan amount stated on the offer page
  • ✕ No specific minimum income stated

Loan repayment calculator

1 000 EUR 100 000 EUR
12 mo. 120 mo.
Monthly payment
Total cost
Total interest
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Indicative calculation based on nominal rate of 6.79%. Actual costs depend on individual creditworthiness assessment.

Representative example

For a loan of 20 000 EUR over 48 months, at a nominal rate of 6,79% (APRC — check the bank's current offer), the monthly instalment is approximately 477 EUR, and the estimated total amount payable is approximately 22 895 EUR (including interest: approx. 2 895 EUR). This estimate excludes any arrangement fee, insurance, or other charges — check the bank's offer for the full terms and total cost of credit before signing. As of 04.09.2026.