Kreditech (a trading name of Kreditech Holding SSL GmbH) was a German online lender which offered loans to individuals based on their creditworthiness which is analyzed using their online data instead of using traditional credit rating information.

[2] Founded in 2012 by Sebastian Diemer and Alexander Graubner-Müller, Kreditech is headquartered in Hamburg, Germany; it particularly focuses its efforts on emerging markets.

[11] The company will use the newly obtained funds to further develop its existing product portfolio and expand its operations to new markets.

Kontomierz makes software named Kontomatik to verify client identity (KYC)[16] and gain read-only access to bank accounts.

[17] Kreditech stated it will support the expansion of Kontomierz in global markets such as Brazil, Mexico, Russia and Spain.

After launch of the service, Kredito.de was criticized heavily for trying to circumvent German legislation against usury as customers had to pay for a mandatory "credit-worthiness certificate" which cost €49.90, was valid for 30 days and whose cost was not reflected by the displayed effective interest rate.

[23] Kredito.de was accused of usury by a spokesperson from the "Hamburger Verbraucherzentrale",[24] a German institute for consumer protection, who called the service "dubious".