SWK Bank
German direct bank offering personal loans from 4.99% APR, auto loans, eco loans, and fixed deposits
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Rating breakdown
Pros
- Competitive personal loan rates from 4.99% APR
- Handelsblatt "Sehr gut" rating for installment loans
- Online instant pre-approval with SCHUFA-neutral check
Cons
- German-only interface — no English support
- Limited to loans and fixed deposits — no investing
- Up to 12.99% APR for lower-rated borrowers
Platform & features
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Key features
Availability
Languages
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Last verified: 23 March 2026. Data confidence: high. Full risk disclaimer