S Kredit-per-Klick vs HVB KomfortKredit

S-Kreditpartner GmbH is modeled as the direct lender; the product is distributed to qualifying Sparkassen customers, but the Sparkasse relationship is an eligibility/distribution context rather than a separate creditor assumption.

HVB is the consumer brand/channel; UniCredit Bank GmbH is explicitly named as lender. The online existing-customer channel has a shorter maximum term than the broader product route.

1.000 € bis 80.000 € auf den aktuell geprüften S-Kreditpartner-Seiten.

2.500 € bis 75.000 €.

12 bis 120 Monate.

12 bis 120 Monate overall; existing HVB online/mobile-banking new-loan route states maximum 96 months.

Bonitätsabhängig. Current S-Kreditpartner product content also publishes a 2/3 example for S Kredit-per-Klick: €15,000 / 72 months, 12.28% fixed nominal and 12.99% effective APR. It is retained as a representative example, not as every applicant’s rate.

Am 10.09.2026: 3,99–9,99 % effektiver Jahreszins; repräsentatives Beispiel 20.000 € / 60 Monate at 6,47 % effective and 6,29 % fixed nominal.

Die geprüften Seiten beschreiben keine zusätzlichen Vermittlungs-/Verwaltungskosten für den S Kredit-per-Klick; Vertragszins/Gesamtbetrag bleiben maßgeblich.

No generic processing fee normalized. Current page distinguishes free partial special repayment up to 80% of open balance from full early repayment with prepayment compensation, and also grants a contractual 28-day withdrawal right.

Mindestens 18 Jahre, Wohnsitz in Deutschland, Sparkassen-Girokonto mit Online-Banking und Gehalts- oder Renteneingang auf dieses Konto; positive Kreditentscheidung erforderlich.

Current HVB page explicitly requires an adult private applicant, residence in Germany and regular income from non-self-employed work (including employees/workers/civil servants and pension recipients). Self-employed/freelance applicants are directed to a separate business-credit route. A positive credit decision and the bank’s lending criteria remain required.

Current S-Kreditpartner material explicitly describes a SCHUFA query and creditworthiness assessment using income/account context. The product is not SCHUFA-free.

Current HVB/UniCredit privacy material confirms consultation and data exchange with credit bureaus such as SCHUFA to determine credit/default risk in lending. The current KomfortKredit product page does not publish the exact inquiry taxonomy, so v0.30 does not label the application inquiry as neutral or hard and does not describe the product as SCHUFA-free.

After a positive decision, electronic signature and payout release, provider material ranges from “few hours / same day in most cases” to “often next business day.” v0.26 therefore stores a stage-dependent same-day-to-next-business-day provider range, not an instant guarantee.

ROUTE-SPECIFIC: HVB currently says digital applications in the Mobile Banking App / Online Banking are usually paid the same working day when all requested documents are present; branch/remote applications are paid in 1–2 working days. Positive credit decision remains required.

Current provider material says special repayments and full early repayment are possible without additional cost; a special payment must be at least one agreed monthly installment on the reviewed route.

Current HVB page states that partial special repayments are possible at any time free of charge up to 80% of the open loan balance. Full early repayment is possible, but HVB says prepayment compensation applies; the free 80% partial-repayment allowance must not be generalized into free full repayment.