Creditplus products, services and reviews

About Creditplus

Creditplus Bank AG is a German consumer finance institution headquartered in Stuttgart and part of Crédit Agricole Consumer Finance. The bank focuses on installment lending to private customers, including unsecured personal loans and car financing, and also provides point-of-sale and dealer financing to merchants and automotive partners. Applications are available online, by phone, and in a limited branch network; identification typically uses VideoIdent or PostIdent, electronic signatures are supported, and disbursement generally follows once documentation and credit checks are complete. Pricing is risk-based and depends on credit profile, amount, term, and purpose, with representative examples and total cost disclosures provided under German consumer credit rules; approval, limits, and turnaround are subject to internal scoring. Standard eligibility includes residence in Germany, legal age, stable income, and a German bank account; credit assessment commonly involves SCHUFA and other data sources, plus income verification. Early repayment in full or in part is permitted, with compensation capped by law depending on remaining term; general processing fees for consumer loans are not allowed under German case law, but charges for optional or ancillary services may apply. Creditplus offers a digital portal for document upload and account management and provides customer support via phone and online channels; terms, rates, and product availability can change without notice. Deposits, where offered, fall under the German statutory deposit guarantee scheme (Entschädigungseinrichtung deutscher Banken) up to 100,000 euros per depositor, and the bank is supervised by BaFin and the Deutsche Bundesbank. Prospective borrowers should review the effective annual rate, total repayment amount, prepayment conditions, and any optional add-ons such as payment protection insurance or bundled dealer offers before committing.