Discover the Convenience and Flexibility of

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Discover the Convenience and Flexibility of

Welcome to the world of S-Kreditpartner, your go-to source for comprehensive, flexible, and convenient financial solutions. From personal loans to flexible financing options, S-Kreditpartner ensures a seamless experience for all your financial needs. Dive into the myriad benefits and features that make S-Kreditpartner the ideal choice for anyone seeking financial support.

Comprehensive Loan Options

S-Kreditpartner offers a range of loan options designed to meet diverse financial needs. Whether it’s a small amount to cover an urgent expense or a substantial sum for a significant investment, S-Kreditpartner has you covered.

Loan Amounts and Terms

  • Loan amounts range from €1,000 to €80,000, providing flexibility based on individual requirements.
  • Example: A loan amount of €20,000 with a term of 108 months results in a monthly payment of €249.52, and a total repayable amount of €26,947.96.

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Interest Rates

  • The nominal interest rate varies from 5.36% to 13.56% p.a. depending on creditworthiness.
  • The effective annual interest rate ranges from 5.49% to 14.44% based on the applicant’s credit profile.

Representative Example

  • For a loan amount of €15,000 over a term of 72 months, the monthly installment would be €281.47, with a total repayable amount of €20,266.15.
  • This example reflects a nominal interest rate of 10.47% p.a. and an effective annual interest rate of 10.99%.

Advantages of Choosing S-Kreditpartner

S-Kreditpartner stands out due to its numerous benefits designed to make the borrowing process as smooth and efficient as possible.

Complete Online Processing

  • Enjoy the convenience of handling your loan application and processing entirely online, from the comfort of your home.

Low Monthly Installments

  • Benefit from low monthly installments made possible by extended repayment terms.

S-Kreditpartner | Der Kreditspezialist

Immediate Credit Decision

  • Receive an instant decision on your loan application, reducing waiting times and providing peace of mind.

Flexible Repayment Options

  • Take advantage of flexible repayment options, including the possibility of making extra payments at any time without penalties.

Easy Application Process

Securing a loan with S-Kreditpartner is a straightforward process, comprising four simple steps:

  1. Calculate Desired Loan: Use the online calculator to determine the ideal loan amount and term for your needs.
  2. Fill Out Online Form: Complete the online application form with your details.
  3. Sign Contract Electronically: Sign the loan agreement electronically for quick processing.
  4. Receive Payout: Have the loan amount disbursed directly to your Sparkasse account.

Eligibility Criteria

Before applying, ensure that the following criteria are met:

  • Minimum age of 18 years.
  • Residency in Germany.
  • An existing Sparkasse checking account.
  • Regular use of online banking for this account.
  • Salary or pension credited to the Sparkasse account.

Wie viel muss ich bei der Sparkassen-Card Plus tilgen

FlexiGeld: Your Personal Flexible Financing Solution

FlexiGeld by S-Kreditpartner offers a unique and flexible financing solution, perfect for managing spontaneous expenses or larger purchases.

Benefits of FlexiGeld

  • Financial Security and Flexibility: Enjoy a personal credit limit with various repayment options.
  • Worldwide Access: Use the Visa credit card for payments and cash withdrawals globally.
  • No Setup Costs: Get started with no setup fees and up to 30 days interest-free.
  • Comprehensive Control: Manage and track your spending through the S-Kreditpartner app.

Getting Started with FlexiGeld

  1. Apply for FlexiGeld: Initiate the application process at your local Sparkasse.
  2. Receive Card and PIN: Obtain your Visa credit card and PIN by mail.
  3. Activate in App: Activate your card in the S-Kreditpartner app and start enjoying full functionality.

Using FlexiGeld

FlexiGeld is perfect for those occasional purchases that need a quick and flexible financing solution. With this service, you can:

  • Pay Securely Online and Offline: Make contactless payments worldwide or shop online safely.
  • Manage Preferences Easily: Set FlexiGeld as your preferred payment method in online stores and subscription services.
  • Flexible Repayments: Decide how to repay the amount used based on your financial convenience.

Sparkasse: Neue Kreditkarte kommt – sie hat eine spezielle Funktion -

Enhanced User Experience with S-Kreditpartner App

The S-Kreditpartner app brings all the benefits of FlexiGeld to your fingertips, offering real-time monitoring and management of your finances.

Key Features

  • Transaction Overview: Keep track of your credit card transactions and balance.
  • Payment Approvals: Easily approve online payments.
  • Notifications: Stay informed with timely alerts and notifications.

Download and Activation

  • Available for free on the App Store and Google Play Store.
  • Activate the app and start managing your FlexiGeld efficiently.

Commitment to Data Security and Responsible Lending

S-Kreditpartner places a high priority on the security and responsible management of personal data and lending practices.

Data Security Certification

  • ISO 27001:2013 certification ensures that all data is processed with the highest standards of confidentiality, availability, and integrity.

Responsible Lending

  • Adherence to the “Responsible Lending” code of conduct to prevent over-indebtedness and ensure loans are manageable for customers.

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Customer Support and Contact Information

For any inquiries or additional support, S-Kreditpartner’s dedicated customer service team is readily available.

  • Phone Support: Call 030 620 080 8070 for personal consultation.
  • Email Support: Contact via [email protected] for assistance with FlexiGeld.


S-Kreditpartner offers a comprehensive suite of financial products designed to cater to diverse needs, ensuring flexibility, convenience, and security. Whether seeking a personal loan or a flexible credit solution like FlexiGeld, S-Kreditpartner provides the tools and support needed to manage your finances effectively. Explore the benefits today and take the first step towards achieving your financial goals with S-Kreditpartner.

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