S Kredit-per-Klick

S Kredit-per-Klick (S-Kreditpartner) Review

"S Kredit-per-Klick" is the online instalment loan from S-Kreditpartner GmbH, the lending arm of the German Sparkasse (savings bank) group. The product is clearly aimed at existing Sparkasse customers, since holding an account with a Sparkasse is a requirement for applying.

Interest Rate and APR

The product database lists this loan with a nominal rate from 5.36% p.a. and an APR from 5.49%. The current offer page does not repeat these figures – it only advertises "transparent rates without hidden costs," with the actual terms only determined by a loan calculator after entering the desired amount. The "from" figures in the database should therefore be understood as a lower reference point, not as a guaranteed rate for every application.

Loan Amount and Term

The page advertises an "instant loan up to €80,000" – this maximum matches the database. On the term, the database lists only a single value of 12 months; the offer page speaks more generally of selectable, "fixed monthly instalments for maximum planning security," without giving specific term ranges. Anyone needing a term other than 12 months should check this directly in S-Kreditpartner's individual loan calculator, since the available data does not allow a reliable statement here.

Costs and Repayment

Neither the database nor the offer page mentions a processing fee – both sources agree here. It is also worth highlighting that, according to the provider, extra repayments are "possible at any time," so early repayment causes no additional cost. According to the database, the monthly instalment starts at around €189.92 as a rough reference figure.

Requirements

The most important — and most limiting — requirement: applicants need a Sparkasse current account with online banking, into which salary or pension is paid regularly. Without an existing Sparkasse customer relationship, this loan is practically inaccessible. Further requirements are a minimum age of 18 and residence in Germany. The page gives no specific information on creditworthiness requirements or a minimum income.

Pros and Cons

Pros

• No processing fee
• Free extra repayments at any time
• Loan amounts up to €80,000
• Fixed, predictable monthly instalments

Cons

• Only accessible with an existing Sparkasse account receiving salary or pension
• No guaranteed rate in advance, actual terms only via the online loan calculator
• Term barely assessable from the available data

Verdict

"S Kredit-per-Klick" is primarily an offer for loyal Sparkasse customers who already route their salary or pension through a Sparkasse current account – for everyone else, access is effectively blocked. Anyone who meets this requirement benefits from no fees and flexible extra repayments, but should check the actual rate conditions individually via S-Kreditpartner's loan calculator, since neither the database nor the offer page provides a reliable overall picture.