Loans backed by 2–4 real people who choose you — not an algorithm.
Fixed monthly payments. The rate you're shown is the rate you pay.
Your Secured Card deposit is fully refundable when you graduate or close.
Borrow from people who back you.
Pitch your story. Get funded by 2–4 community lenders within 2 business days. Fixed monthly. No hidden fees.
Build credit from day one.
A real Mastercard, backed by your refundable deposit. No credit check. Builds your Schufa file automatically — every on-time payment counts.
From €500–€5,000 — your refundable deposit sets your limit (1:1). €49/year. Most graduate by month 18 and get their full deposit back.
Questions.
No. CommonLend is a credit broker — we connect borrowers and lenders, and operate under a German trade licence (Gewerbeerlaubnis, §34k GewO). Your funds are held by our licensed banking partner, which is regulated under EU payment-services rules.
Card deposits sit in a segregated account at our partner bank, covered by German deposit insurance up to €100,000.
Yes. Many start with a card to build history, then graduate to community loans. One account, both products.
It depends on the product. For the Secured Card, Schufa reporting is a standard, non-optional part of the product — both on-time and missed payments are reported. For P2P loans, Schufa isn't involved at all; your repayment history there only affects your CommonLend score.
Real people, usually within 24 hours. Email support@commonlend.com directly, or open the contact form to send us a message.
Our full Impressum (TMG §5) and Privacy Policy are linked in the footer of every page.