Verivox review 2026

Verivox compares loans from more than 400 banking partners, by far the largest network of all the loan comparison portals we rated. Instalment loans are available from €1,000 up to €120,000 with terms of up to 120 months. Thanks to the wide range of banking partners, Verivox almost always finds the lowest interest rate. The automatic rate calculation takes your individual creditworthiness into account and immediately shows your personal effective annual rate, not just the teaser rate used to attract customers. That makes the comparison results more realistic and more useful than at many competitors. Besides standard instalment loans, Verivox also offers car loans, debt consolidation loans and home improvement loans. These specialist loans often carry lower rates because a purpose is stated. Scoring (28/30): The largest banking partner network with the best rate calculation on the market. Only a minimal deduction, because not all direct banks and fintechs are in the pool.

The online comparison at Verivox takes only seconds: enter the loan amount and term, give your personal details, receive offers. The digital signature allows a paperless application, and many banks offer video identification. Payout, however, depends on the bank and is typically 1-5 working days. Compared with GIROMATCH's instant payout (24 hours), Verivox is slower here. That can be a disadvantage for users with an urgent need for funds. On the plus side, for every offer Verivox shows the estimated payout time of the bank in question, so users can factor speed into their decision. Scoring (14/20): A fast comparison, but payout depends on the bank (1-5 working days). When it comes to speed, GIROMATCH with its instant payout is clearly ahead.

Verivox is TÜV-certified and has won several awards for transparency. The comparison results are regularly validated by independent auditors, which gives consumers extra confidence in the objectivity of the results. The rate enquiry is made without a Schufa entry (Schufa is Germany's main credit bureau; this is the "KK" enquiry type). The credit score is not affected, and users can run as many comparisons as they like without having to fear negative consequences. All costs are presented clearly and transparently: effective annual rate, nominal rate, monthly instalment, total repayment amount and any additional costs. Verivox also marks which results are advertising and which are ranked organically. Scoring (18/20): The TÜV seal and a transparent cost breakdown set the standard for the industry. Exemplary when it comes to consumer protection. A minimal deduction because the separation of advertising and organic results is occasionally hard to spot.

Verivox offers the most comprehensive and most intuitive interface of all the loan comparison portals. Detailed filters let you sort by interest rate, monthly instalment, total cost, payout time and other criteria. Tooltips and explanations make even complex financial concepts easy to understand. The comparison calculator works equally well on desktop and mobile and responds in real time when parameters are changed. Alongside the terms, the results page also shows customer reviews of the banks concerned. Particularly helpful: the integrated repayment schedule calculator shows month by month how the instalments are split between interest and principal. A debt consolidation calculator and a remaining-debt calculator round off the range of tools. Scoring (15/18): The best interface on the market, with the most extensive filters and tools. The depth of comparison is unrivalled. A small deduction for the occasionally cluttered display when many filters are active.

Verivox offers telephone support, email advice and the option of a personal loan consultation. The hotline can be reached on working days, and the staff can help with choosing a suitable loan offer, a service that pure online intermediaries do not provide. The extensive guide section on the website explains loan topics from A to Z: from explanations of the effective annual rate to debt consolidation guides, all the relevant questions are answered clearly. That makes Verivox accessible even to people new to borrowing. With more than 12,000 Trustpilot reviews and an average rating of 4.5 stars, Verivox has by far the best track record of all the loan portals rated. Scoring (9/12): Good support with the option of personal advice and the best guide content on the market. A deduction for occasionally long waiting times on the hotline and the lack of a chat function.