Are the lenders on Credizen regulated by BaFin?

Yes. All lenders listed on Credizen are licensed by the BaFin (Federal Financial Supervisory Authority) or authorized under the Consumer Credit Act (§§ 491-510 BGB). BaFin monitors compliance with transparency requirements, including the correct disclosure of the effective annual interest rate (effektiver Jahreszins) and the two-thirds rate per the Price Indication Regulation.

Does comparing loans on Credizen affect my SCHUFA score?

No. Using Credizen to compare loans has no impact on your SCHUFA score. Only when you submit an actual loan application with a provider will they run a SCHUFA inquiry. Credizen does not store creditworthiness data and does not report anything to SCHUFA.

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🏛️German Financial Authorities

Always verify your lender in official registers before signing a contract:

BaFinFederal Financial Supervisory AuthorityFinancial supervision — licensing, consumer warnings, regulated institutions

SchufaSchufa Holding AGCredit bureau — credit checks, Schufa score, data copy

Consumer CentreVerbraucherzentrale BundesverbandConsumer protection — advice on loans, debt, financial products

BundesbankDeutsche BundesbankCentral bank — monetary policy, financial stability, interest rates

All links lead to official government websites and are not affiliate links.