Lending can be profitable, but it is hard work. Lendsqr's student loans software makes it easier: start, launch and grow your loan business across multiple channels and make smart decisions, all at a fraction of the cost.
Quick Integration. Set up your lending business with time-saving integration.
Automated Processing. Real-time automation to optimize your business.
Fully Customizable Choose from powerful features that work for your business.
Regulators
Lenders in Germany answer to these bodies. Check their current licensing and reporting rules before you start lending.
Deutsche Bundesbank is Germany's central bank and a key player in the European Central Bank system. It is responsible for implementing monetary policy in Germany, regulating the financial system, and ensuring financial stability. The bank oversees the banking sector, manages foreign reserves, and contributes to shaping European monetary policy. It also provides economic analysis to support the government and financial markets.
The European Central Bank (ECB) is the central bank responsible for managing the euro and ensuring price stability across the Eurozone, which comprises the 20 European Union countries that have adopted the euro as their currency.
The Federal Cartel Office (Bundeskartellamt) is Germany’s competition authority, responsible for maintaining competitive markets and preventing anti-competitive practices. It investigates mergers, cartels, and monopolistic behavior to ensure that markets operate fairly. The office also protects consumer interests by preventing businesses from abusing their market power and by promoting efficient, open markets.
The Federal Financial Supervisory Authority (BaFin) is Germany's financial regulatory body. It supervises banks, insurance companies, and other financial institutions to ensure they comply with national and European regulations. BaFin works to maintain the stability of the financial system, protect consumers, and prevent financial fraud. It also ensures that financial institutions adhere to proper risk management practices and financial market integrity.
The German Ministry for Consumer Protection, Food, and Agriculture focuses on consumer protection by ensuring product safety, food quality, and fair trade practices. It develops policies to protect consumers from unsafe goods and services and educates the public about their rights. The ministry also works on legislation related to food safety, animal protection, and sustainable consumption practices.
All the capabilities
you need to simplify your lending process
Our robust end-to-end loan management software enables us to offer support throughout the entire lending lifecycle.
Origination means receiving and setting up loan requests.
origination
We’ve digitized the entire loan origination process
Launch your lending business effortlessly across multiple channels including web, mobile, WhatsApp, USSD, and APIs. Our lending software solutions get your loan business up and running in as little as 30 minutes.
Channels & Distribution
Create and manage diverse loan products that cater exactly to what your customers want, all with our easy-to-use management tools.
Learn more about Channels & DistributionLoan Product Management
Savings & Investment Management
With Lendsqr's advanced loan management back office, you gain total control and clarity over every aspect of your loan business.
customer MANAGEMENT
The most efficient customer management tool for lenders
Easily scale to manage your growing customer base. Track your most important customer metrics such as onboarding attempts, active and inactive users, and logins.
transaction monitoring
Track real-time data on all the transactions in your business
Gain a wider overview and summary of all the transactions that happen in your loan business. View and download all settlement summary data for faster resolutions and planning.
automations
Reduce the risk of manual errors
Our back office is fully equipped with powerful automations that reduce the time it takes to complete repetitive tasks like approvals, disbursement and repayments, allowing you to spend more time on growth.
teams
Unleash efficient collaboration within your business
Simplify teamwork by inviting team members and assigning specific permissions for streamlined business management. From risk assessment to client interactions, Lendsqr makes collaboration easy, enhancing your overall lending efficiency.
reporting
Get detailed insights on your business
Our dashboard and reports provide you with extensive data on how your products and customers are doing. Monitor your top performing products, customers and other metrics, helping you channel your efforts better.
79 lenders in Germany are listed in the Lendsqr lender directory.
79lenders listed
EUR 1,000 to EUR 50,000
USD 1,500 to USD 750,000
6 to 108 months
Shortest to longest typical term
Lendsqr gives lenders in Germany what they need to run student loans: products for tuition and living costs, longer tenors, and repayment schedules that fit how students and their sponsors pay.
Applications, credit checks, disbursements and repayments run on one platform, so a student loan book grows without extra manual work.
Choose the plan that suits your needs. Paid plans also have a one-off setup and licensing fee, quoted during onboarding.
Free
$0
Per month, billed monthly
Free Features:
Loans and loan Products
Decision Models
Disbursements
Customer Web App
Pro
$200
Per month, billed monthly
+ one-off setup fee, quoted during onboarding
All features in Free +
Team management
Offer letters
Approval Workflows
Web App Customizations
Business
$500
Per month, billed monthly
+ one-off setup fee, quoted during onboarding
All features in Pro +
White label mobile app (with additional cost)
Customer Groups
Referral Configurations
Savings and Investment
Adjutor API Service
Enterprise
Custom
+ one-off setup fee, quoted during onboarding
All features in Business +
External loans (Web SDK)
Custom mobile app
CBA/ERP Integrations
3rd party integrations
On-premise deployment license
WHY LENDSQR?
We've overcome every challenge to empower your success.
Having encountered nearly every issue a lender might face, we offer comprehensive solutions. By choosing Lendsqr as the backbone of your digital lending platform, you are choosing guaranteed growth and success.
Cost effective
Launch at 5% of the cost of building your own proprietary platform.
Faster time to market
Launch on the web in as little as 30 minutes, add USSD within hours, and go live with a mobile app in weeks.
Community immunity
Access to tons of data from other lenders to collaboratively block bad borrowers.
Expertise
Lendsqr talents have extensive experience with credit, data, and tech.
Lenders love Lendsqr!
Our strong capability and robust platform enable us to offer support across the entire lending lifecycle.
3.7m+ customers
Our Lending-as-a-Service platform helps lenders serve over 3.7m humans across the world.
Available in 190+ countries
We're global but also localized for every currency and locale.
Cost effective solution
Getting started with Lendsqr is very affordable. Our lenders leverage a robust infrastructure at a fraction of the cost it would take to build theirs!
30 mins average time to market
It can take as little as 30 minutes for a lender to sign up and start accepting loan requests. Yet, we also deliver customized features in record time.
Trusted by lenders world-wide
We're helping lenders across the world scale their loan business
Trusted by established lenders around the world
Enterprise and small teams rely on Lendsqr.
Lendsqr has significantly expedited our entry into the difficult but large retail lending market. Their solution not only shortened the time to market but also at a significantly reduced cost.
Abubakar Suleiman
CEO, Sterling Bank (SnapCash)
Need the right providers to support your lending? We’ve gathered everything from payment solutions to KYC tools, credit checks, and bank statement services all in one place. Let’s help you get started with the right partners today.
Explore now (opens in a new tab)
SCHUFA is a credit bureau and financial data service provider that collects, analyzes, and provides credit information about individuals and businesses to banks, lenders, and financial institutions.
Apexx is a global payment orchestration platform that enables businesses to connect to multiple payment methods, processors, and acquiring partners through a single integration. The platform simplifies payment acceptance for e‑commerce merchants, marketplaces, and digital businesses, providing flexibility, scalability, and optimized routing of transactions. Apexx’s technology helps companies in Croatia and beyond manage payments efficiently, reduce complexity, and improve authorization performance.
Bluecode is a mobile payment solution that enables secure, fast, and seamless cashless payments using QR codes. Designed for both consumers and merchants, Bluecode facilitates in-store, online, and peer-to-peer transactions through a simple smartphone interface.
Bottomline Technologies is a global provider of payment solutions, empowering businesses to streamline their payment processes. They offer a comprehensive suite of payment solutions designed to improve efficiency and reduce costs.
Braintree is a global payment platform that enables businesses to accept payments smoothly and securely. Known for its developer-friendly tools and focus on security, Braintree empowers companies to build innovative, customized payment experiences for both online and mobile customers.
LemFi, formerly known as Lemonade Finance, is a financial technology company that offers international money transfer services, multicurrency accounts, and currency conversion.
Wero is a European mobile payment system launched in 2024 by the European Payments Initiative (EPI).
4stop is a cutting-edge identity verification and fraud prevention provider dedicated to helping businesses protect themselves from identity theft, fraud, and regulatory risk. With an emphasis on accuracy, speed, and global coverage, 4stop delivers reliable end-to-end verification solutions that streamline onboarding, reduce friction, and enhance trust.
AU10TIX is a global identity verification and fraud prevention technology company originally founded in Israel in 2002. The company provides automated solutions that help businesses verify customer identities, detect fraud, and comply with regulatory requirements such as KYC (Know Your Customer) and AML (Anti-Money Laundering). AU10TIX uses technologies such as artificial intelligence, machine learning, document authentication, and biometric verification to enable fast and secure digital onboarding.
ComplyCube is a regulatory technology (RegTech) company that provides digital identity verification, KYC (Know Your Customer), and AML (Anti-Money Laundering) compliance solutions for businesses worldwide, including companies operating in Montenegro. The company was founded in 2020 and is headquartered in London, offering a cloud-based platform that helps organizations automate compliance and customer verification processes.
Credolab is a Data and Analytics Credolab is a leading Data and Analytics platform that transforms smartphone and web metadata into powerful behavioral insights and risk intelligence. Using device and behavioral biometrics, Credolab helps financial institutions, fintechs, and digital businesses enhance
Atradius Collections is an international debt collection and receivables management company that helps businesses recover overdue invoices and unpaid commercial debts. It operates as part of the global Atradius Group, which specializes in credit insurance, credit management, and debt recovery services.
Debitura is a leading provider of debt recovery solutions. The company helps businesses recover outstanding debts through a combination of technology and human expertise.
Debt Kontrol LLC is a debt collection and recovery agency that provides comprehensive debt management services in Venezuela and globally. The company specializes in helping creditors recover overdue payments while maintaining respectful and professional communication with debtors.
EOS Solutions is part of the EOS Group, a global provider of credit management, receivables purchasing, and debt collection services. Operating in multiple European markets including North Macedonia , the company helps businesses improve cash flow and recover overdue receivables by managing delinquent accounts and non‑performing loans on behalf of creditors.
Lending in Germany is regulated by Deutsche Bundesbank, European Central Bank, Federal Cartel Office, Federal Financial Supervisory Authority, and German Ministry for Consumer Protection, Food and Agriculture. Check their current license and reporting rules before you start lending.
The Lendsqr lender directory lists 79 lenders in Germany.
Typical loans from lenders listed in Germany range from EUR 1,000 to EUR 50,000 and USD 1,500 to USD 750,000.
Lenders in Germany can check a borrower's credit history with Schufa.
Paid plans in Germany start at USD 200 a month. The pricing section on this page shows what each plan includes.
Lenders in Germany disburse and collect with providers such as Apexx, Bluecode, Bottomline Technologies, Braintree, CaSys, Ingenico, Klarna, and Magnius.
Identity and verification providers in Germany include 4stop, AU10TIX, ComplyCube, Credolab, Fractal ID, ID merit, IDnow, and Keesing technologies.
Loan recovery providers in Germany include Atradius collections, Debitura, Debt Kontrol, EOS Solutions, GFKL collections (Lowell), ADRIAN, Credit Reform, and International debt recovery agency.
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