Please note that the following answer only applies to clients of our Broker offering residing in Germany.
Important information: From 1 October 2025, new applications for and changes to Scalable Credit will no longer be available in your Baader account. Existing Credit can still be used and will be transferred to the new Scalable. Credit conditions at Scalable will automatically apply after the transfer.
If you use the Scalable Broker, are resident in Germany and have a portfolio value of at least 1,000 euros, you can apply for Credit. This is done completely digitally in a few steps in the client area. The credit check usually takes place within a few minutes on business days.