Updated October 17, 2026 · BorrowCue Editorial Team
Alior Bank vs Commerzbank
Where Alior Bank and Commerzbank differ
| Compare |  Alior Bank |  Commerzbank |
|---|---|---|
| APR | 9.15% | 3.29% to 12.49%Lower |
| Loan amount | PLN 500 to PLN 250,000 | €1,500 to €100,000 |
| Term | 3 to 120 monthsHigher | 6 to 119 months |
| Funding time | Funds transferred to the customer's account, possibly the same day | Payout generally within 24 hours after the fully digital application and credit approval |
| Representative example | 41,800 PLN over 50 instalments of 985.55 PLN, RRSO 9.15%, 0 PLN fee | Ratenkredit legally required representative example: effective annual rate 6.64% p.a., fixed nominal rate 6.45% p.a., term 60 months, net loan amount EUR 10,000, 60 monthly instalments of EUR 195.41, total EUR 11,724.55 |
| Arrangement fee | 0% (0 PLN) | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Eligibility | Not confirmed | At least 18 years old, fixed residence in Germany, current account at a German bank receiving salary or pension, statutory credit check with a Schufa report free of negative entries; private purposes only, not for the self-employed |
| Origination fee (%) | 0% | Not confirmed |
| Loan types | Not confirmed | Personal |
Same on both: Credit check (Hard), Lender type (Direct lender).
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Key differences
- Commerzbank scores higher overall: 9.4 vs 9.1.
- APR is lower at Commerzbank: 3.29% to 12.49% vs 9.15%.
- Term is higher at Alior Bank: 3 to 120 months vs 6 to 119 months.
- Support channels: only Commerzbank offers Email.
Our verdict on each
Alior Bank
For borrowers who value advised service across everyday banking, Alior Bank is a nationwide universal bank serving all market segments in Poland. It addresses individuals and firms that expect higher quality service and advice while managing banking and borrowing in one place.
Commerzbank
Commerzbank suits German salaried employees and pensioners with a clean Schufa record who want a fixed-rate instalment loan from a bank they already hold an account with. Interest runs at 3.29% to 12.49% on amounts of €1,500 to €100,000, and payout generally lands within a day of approval.
Score breakdown
| Area | Alior Bank | Commerzbank |
|---|---|---|
| Cost | 9.2 | 9.4Higher |
| Offer | 8.5 | 9.2HigherDirect lender offering personal loans at 3.29% to 12.49%, terms of 6 to 119 and free early repayment on the instalment product. |
| Trust | 9.3 | 9.6Higher |
Positions in our rankings
| Ranking | Alior Bank | Commerzbank |
|---|---|---|
| Personal loans | 96 of 1920 | 81 of 1920 |
| Mortgages | 12 of 716 | 9 of 716 |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
Alior Bank
1,473.05
1,473.05
Commerzbank
515.31 to 2,041.58
515.31 to 2,041.58
Commerzbank comes out 957.74 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Which one suits you
Pick Alior Bank if term matter most.
Pick Commerzbank if offer, trust, and apr matter most.
A third option
Prestamiau ES has apr at 0% to 36%, against 9.15% for Alior Bank and 3.29% to 12.49% for Commerzbank.
Prestamiau ES reviewEvery fact side by side
| Fact | Alior Bank | Commerzbank |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | Commerzbank Aktiengesellschaft |
| Headquarters | Not confirmed | Germany |
| Founded | Not confirmed | 1870 |
| Support channels | Phone, Help centre | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Alior Bank | Commerzbank |
|---|---|---|
| Initial rate | Not confirmed | 4.45% |
| APRC | Not confirmed | 4.54% |
| Fixed period | Not confirmed | 10 years |
| Maximum loan to value | Not confirmed | 60% |
| Purpose | Not confirmed | Purchase, Remortgage, Home equity |
Where each stands against the rest
| Fact | Alior Bank | Commerzbank | Median |
|---|---|---|---|
| APR | 9.15%above the median | 3.29% to 12.49%lowest quarter | 8.95% |
| Term | 3 to 120 monthshighest quarter | 6 to 119 monthshighest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.125% |
Median across 1164 listed lenders.
Pros and cons
Alior Bank
Pros
- Operates nationwide in Poland across all market segments
- Serves individuals and companies seeking higher quality advice
- Combines everyday banking and borrowing within one institution
Cons
- Nationwide Polish focus provides no stated path for borrowers abroad
- Universal model brings less depth than a specialist credit provider
Commerzbank
Pros
- You deal with a direct lender, so the bank sets the rate and funds the loan with no broker in between.
- Installments run at 3.29% to 12.49% on a fixed basis, and early repayment is free.
- Payout generally lands within a day once a fully digital application is approved, and the loan carries same day funding.
Cons
- The credit check is hard: hard, and eligibility wants a Schufa report free of negative entries.
- Lending covers private purposes and personal loans only, so the self-employed are excluded.
- Support runs on email, phone and help centre only.
Who each suits
Alior Bank
Who it suits
- Borrowers preferring advice led universal banking
- Individuals and firms wanting one banking relationship
- Customers using mobile tools for currency needs
Who should look elsewhere
- Borrowers seeking a specialist lender only
Commerzbank
Who it suits
- Adults living in Germany permanently whose salary or pension is paid into a current account at a German bank.
- Borrowers happy with one fixed rate for the whole term who can clear the balance early at no extra cost.
- Homebuyers and remortgagers who can live with a maximum loan to value of 60%.
Who should look elsewhere
- Self-employed applicants, as the instalment loan is for private purposes only.
- Borrowers chasing the lowest headline rate: Cashspace ES shows 0% and Monzo Flex 10% to 23%, but neither is a German bank loan for residents here.
Current offers
Commerzbank
Current offer
Bonus
Automatic individual rate advantage on Ratenkredit for free use concluded online or in the app: 0.01% to 0.6% p.a. lower rate
Valid until further notice; only for Ratenkredite zur freien Verfügung concluded via the online application or app; contracts via comparison portals excluded; amount depends on term and creditworthiness
Source, checked September 26, 2026
Country by country
| Country | Alior Bank | Commerzbank |
|---|---|---|
| Germany | No | Yes |
Questions about each
Alior Bank
What kind of bank is Alior Bank?+
Alior Bank operates as a nationwide universal bank that serves all market segments. It directs its offer toward customers who expect higher quality service and advice. The institution works with both individuals and companies.
Which products does Alior Bank provide for individuals?+
Alior Bank maintains personal accounts, deposits, credits, loans and credit cards for individual customers. Everyday banking therefore sits alongside borrowing within a single institution. Advice forms a stated part of that individual relationship.
Commerzbank
What interest rate do I pay on a Commerzbank instalment loan?+
The instalment loan is fixed-rate, so fixed rates of 3.29% to 12.49% apply for the whole term. The legally required representative example also sets out the effective annual rate, the nominal rate, the term, the net amount borrowed, the monthly instalment and the total repaid, which makes the real cost easy to check before applying.
How much can I borrow, and over what term?+
Amounts run €1,500 to €100,000 on the instalment loan, and the term runs 6 to 119. You repay in fixed monthly instalments, so a longer term lowers each payment but raises the total repaid, while a shorter term does the opposite.
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