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Bei „Happykredit“ () is an online portal that focuses on arranging loans: loans between €1,000 and €300,000 are possible. The minimum income for a loan is €450.
Behind the portal or website is an individual from Dresden:
Thomas Roehl
Dammweg 6
01097 Dresden
What is important to understand: Happykredit.com acts neither as a credit broker nor as a bank! About the website Only credit inquiries (“leads”) are collected and forwarded to specific partners.
The best-known credit brokers include, for example, the following two credit brokers:
… with these credit brokers you can simply request a loan directly and do not have to take a “detour” via portals such as Because according to the imprint of happykredit.com, inquiries are forwarded to such credit brokers anyway – even “loans without Schufa” are possible with the linked credit brokers.
But is “Happykredit” a reputable credit portal? What are people’s experiences with Happykredit? What reviews have former customers given?
I will show you what you should know about Happykredit and which good alternatives I can personally recommend!
Tip: My general recommendations for taking out a loan
Summary of the article:
– “Happykredit” appears to be a fairly classic credit portal: It collects inquiries from people interested in credit and forwards them to suitable partners.
– It is important to understand that Happykredit is neither a credit broker nor a bank – the requests are “only” collected and forwarded.
– At the time of my research, there were only a few and very “mixed” reviews of Happykredit: This makes it somewhat difficult to judge how reputable Happykredit is.
– Personally, I would always inquire directly (!) with a credit broker and not take a “detour” via a third-party website such as Happykredit.com do: I would make an inquiry directly to this very well-known credit broker >>, since Happykredit works with such providers anyway.
– Overall, I would always inquire directly with large and well-known credit brokers such as Bon-Kredit >>, Smava >>, Vexcash >>, Ferratum >> or Cashper >>.
– If you stick to large and well-known addresses, you can minimize the risk of bad experiences.
– My recommendations for taking out loans can be found below.
Recommendation 1: For loans from €100 to €300,000
– Bon-Kredit (Schufa-free) >>
– Specialized in people with negative Schufa credit ratings.
– There, credit is not granted based on your SCHUFA score.
– There is neither a SCHUFA query nor a SCHUFA entry.
– Minimum income: €1,300 net per month.
– Very high probability of being granted credit.
Recommendation 2: The “classic” for €500 to €120,000
– Here you can request a loan directly from Smava >>
– With “Cheaper is not guaranteed” – even with a negative Schufa rating.
– Minimum income: €601 net per month.
– High probability of lending.
Recommendation 3: Mini loans when you need them quickly
– Vexcash Germany Mini Loan >>
– Ferratum Germany Mini Loan >>
– Cashper Germany Mini Loan >>
In general: If possible, inquire with several of the providers listed here in order to get a selection and be sure to get a loan.
If you would like more information about Happykredit experiences and a Happykredit rating, you can get further details and information below.
Happykredit experiences
Now let’s move on to the reviews on various platforms – at least that was my idea, as I thought there would be some reviews.
I was only able to find some reviews of Happy Kredit on the “Trustpilot” platform: And they are quite “mixed”!
Von “everything great” to reviews like “Unreliable, zero stars […] “Pretending to be false” There are various reports – some 1-star reviews as well as some 5-star reviews.
Of course, this doesn’t necessarily mean anything bad, but it does make it a little more difficult to adequately evaluate HappyKredit’s services.
Based on these experiences, I cannot form a well-founded opinion about Happykredit and therefore cannot make any recommendations for or against this provider.
What I can recommend, however, is that you stick to the providers I have presented in this article. There are numerous positive reviews of these providers and I have only presented the providers that I consider to be 100% reputable.
… and if you want to be on the safe side, you can of course inquire directly with one of the credit brokers mentioned – Happykredit works with such providers anyway!
Is Happykredit reputable?
In principle, there are no worrying signs that Happykredit is dubious.
It is important to understand, however, that this is neither a credit broker nor a bank – but simply an online portal that collects and forwards the data of those interested in a loan.
Self-description as an “independent credit broker”:
“As an independent credit broker, we focus exclusively on the wishes and goals of our customers.”
Credit requests can be forwarded to these partners via Happykredit
“SKAG-Vertriebs GmbH
Martin-Schmeißer-Weg 15
44227 Dortmund“
„Duration GmbH
Friedrichstrasse 95
10117 Berlin
Deutschland“
Cashper Novum Bank Ltd.
4th Floor, Global Capital Building
Testaferrata Street, Ta’ Xbiex XBX 1403, Malta
… and many other banks, credit brokers, insurance companies, pawnbrokers and other “partners” are listed under /privacy-policy-2/ listed.
Happykredit complies with legally required information:
What is positive (and not adhered to by all credit platforms): Happykredit.com provides legally required information on interest rates and representative examples. The following is the information on Happykredit.com.
Information in accordance with Section 6a PAngV: Fixed nominal interest rate from 3.92%, effective annual interest rate from 3.99% – 15.95%, net loan amount from €1,000 to €50,000, term of 12 to 120 months, creditworthiness required. With a net loan amount of €10,000 and a term of 36 months, 2/3 of our customers will probably receive an effective interest rate of 8.90% or lower (fixed nominal interest rate 5.26%).
Happykredit appears to be a fairly classic credit portal: Inquiries and data are collected and forwarded to potential credit brokers. Happykredit most likely receives a commission if the loan is successfully concluded, which is based on the amount of the loan.
This and some more information on Happykredit.com give some information about Happykredit.
Payout at Happykredit.com?
It is not always easy for you as a loan seeker to obtain reliable information via portals and brokers.
However, since the payout in the case of Happykredit is not carried out by Happykredit itself, you should rather look at the credit brokers and partner banks behind it.
Because Happykredit has more of a “forwarding” function.
Conclusion and good alternatives to Happy Kredit
If you would like to try Happykredit, then submit a request via the portal.
Personally, I would request a loan directly from one of the “big” credit brokers:
Otherwise, you can also inquire with other “big names in credit brokerage” such as Smava >>, Vexcash >>, Ferratum >> or Cashper >>.
Your Depotstudent Dominik
Recommendation 1: For loans from €100 to €300,000
– Bon-Kredit (Schufa-free) >>
– Specialized in people with negative Schufa credit ratings.
– There, credit is not granted based on your SCHUFA score.
– There is neither a SCHUFA query nor a SCHUFA entry.
– Minimum income: €1,300 net per month.
– Very high probability of being granted credit.
Recommendation 2: The “classic” for €500 to €120,000
– Here you can request a loan directly from Smava >>
– With “Cheaper is not guaranteed” – even with a negative Schufa rating.
– Minimum income: €601 net per month.
– High probability of lending.
Recommendation 3: Mini loans when you need them quickly
– Vexcash Germany Mini Loan >>
– Ferratum Germany Mini Loan >>
– Cashper Germany Mini Loan >>
In general: If possible, inquire with several of the providers listed here in order to get a selection and be sure to get a loan.
