Updated September 30, 2026 · BorrowCue Editorial Team
AskRobin MX vs Deutsche Bank
What sets them apart
| Compare |  AskRobin MX |  Deutsche Bank |
|---|---|---|
| Loan amount | COP 100,000 to COP 10,000,000 | €3,000 to €80,000 |
| Term | 1 to 36 months | 12 to 120 monthsHigher |
| Lender type | Marketplace | Direct lender |
| Eligibility | Colombian citizen, over 18, email address, mobile number, provable income, Cedula de Ciudadania, and an active bank account in the applicant's own name | Of age (adult), non-self-employed with regular income, positive credit rating, residence in Germany |
| Loan types | Personal, Debt consolidationCovers more | Personal |
| APR | Not confirmed | 3.25% to 13.48% |
| Arrangement fee | 0 | Not confirmed |
| Funding time | Not confirmed | Within a few days after document review and approval |
| Representative example | Not confirmed | Net loan 10,000 EUR, effective annual rate 9.71 %, fixed nominal rate 9.30 % p.a., 85 months, monthly instalment 164 EUR, total payable 13,737 EUR |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard).
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Key differences
- Deutsche Bank scores higher overall: 9.5 vs 8.5.
- Founded is lower at Deutsche Bank: 1870 vs 2017.
- Term is higher at Deutsche Bank: 12 to 120 months vs 1 to 36 months.
- Support channels: only AskRobin MX offers Chat, Community.
- Support channels: only Deutsche Bank offers Phone.
- Loan types: only AskRobin MX offers Debt consolidation.
Our verdict on each
AskRobin MX
askRobin Colombia is a marketplace that matches Colombian applicants with lenders, and it suits people who want a personal loan or to consolidate debt with no origination fee. Borrowing runs COP 100,000 to COP 10,000,000 over 1 to 36, with a hard credit check on every application.
Deutsche Bank
Deutsche Bank lends directly in Germany through Deutsche Bank AG, an institution trading since 1870. It suits salaried, non-self-employed adults living in Germany with a positive credit rating, and borrowers wanting €3,000 to €80,000 over a term of 12 to 120 for a larger purchase.
Score breakdown
| Area | AskRobin MX | Deutsche Bank |
|---|---|---|
| Cost | Not confirmed | 9.4 |
| Offer | 9.0 | 9.3HigherDirect personal lending at 3.25% to 13.48%, a hard credit check, and payout Within a few days after document review and approval after approval. |
| Trust | 8.2 | 9.6Higher |
How they place
| Ranking | AskRobin MX | Deutsche Bank |
|---|---|---|
| Personal loans | 43 of 1920 | 260 of 1920 |
Ranges side by side
| Fact | AskRobin MX | Deutsche Bank |
|---|---|---|
| Term | 1 to 36 months | 12 to 120 months |
Where each is licensed and available
| Country | AskRobin MX | Deutsche Bank |
|---|---|---|
| Germany | Not confirmed | IHK Frankfurt am Main (Versicherungsvermittlerregister) D-H0AV-L0HOD-14 |
Additional countries for AskRobin MX: 1. Additional countries for Deutsche Bank: 1.
Every fact side by side
| Fact | AskRobin MX | Deutsche Bank |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Legal entity | Finceptiv OU | Deutsche Bank AG |
| Headquarters | Estonia | Germany |
| Founded | 2017 | 1870Lower |
| Support channels | Email, Chat, Help centre, Community | Email, Phone, Help centre |
Where each stands against the rest
| Fact | AskRobin MX | Deutsche Bank | Median |
|---|---|---|---|
| APR | Not confirmed | 3.25% to 13.48%lowest quarter | 8.99 |
| Term | 1 to 36 monthsbelow the median | 12 to 120 monthshighest quarter | 60 |
Median across 1152 listed lenders.
Pros and cons
AskRobin MX
Pros
- The origination fee is 0, so there is no upfront cost to set up the loan
- Borrowing spans COP 100,000 to COP 10,000,000 and terms run 1 to 36
- Covers personal and debt consolidation loans, plus home improvement
Cons
- It is a marketplace, so the rate and terms depend on which lender answers your application
- Eligibility is tight: you need a Cedula de Ciudadania, provable income and a bank account in your own name
- Support runs on email, chat and help centre only, so there is no phone line to sort a disputed payment
Deutsche Bank
Pros
- A direct lender, so you deal with the bank itself rather than a broker (direct lender)
- Interest stays put, listed as fixed pricing on a fixed rate model
- Early repayment is free, so clearing the balance early carries no charge
Cons
- Eligibility is narrow: non-self-employed, regular income, a positive credit rating and residence in Germany, so self-employed and thin-file applicants are turned down
- The hard credit check is shared by 76.5% of the lenders in this group, so a refusal can weigh on later applications
- A single market only, with lending confined to Germany
Who each suits
AskRobin MX
Who it suits
- Colombian citizens with a Cedula de Ciudadania and provable income
- Borrowers consolidating several debts into one payment
- Anyone who wants to see offers without paying an origination fee
Who should look elsewhere
- Anyone without provable income or an active bank account in their own name
- Borrowers who want a rate locked before they apply, since lender terms vary
- People who want phone support, as email, chat and help centre does not include it
Deutsche Bank
Who it suits
- Salaried employees in Germany who can show a positive credit rating
- Anyone with an existing relationship at the bank and a larger sum to borrow
- Borrowers who want one fixed monthly payment and the option to settle early
Who should look elsewhere
- Self-employed applicants, who are not eligible for this loan
- Residents outside Germany, since lending is confined to that single market
- Small sums, where Cashspace ES charges 0% against 3.25% to 13.48% here
Current offers
Deutsche Bank
Current offer
First period offer
Miles & More Blue Credit Card action: 12 monthly statements without card fee (then 5.50 EUR per month) plus 500 miles and 40 points on approval
Applications submitted by 30.09.2026
Source, checked September 26, 2026
Country by country
| Country | AskRobin MX | Deutsche Bank |
|---|---|---|
| Colombia | Yes | No |
| Germany | No | Yes |
Questions about each
AskRobin MX
Is there any fee for taking out a loan through askRobin Colombia?+
There is no origination fee, which the company lists as 0. The cost of the loan itself comes from the interest the matched lender charges, and that rate can differ between lenders.
How much can I borrow and over what period?+
The range runs from COP 100,000 to COP 10,000,000, with terms of 1 to 36. That covers both single personal loans and loans used to consolidate existing debts, so the amount you can take is matched to the purpose.
Deutsche Bank
What rate would I pay for a personal loan from Deutsche Bank?+
The advertised rate is 3.25% to 13.48%, and it is fixed rather than variable, as fixed pricing confirms. The fixed rate model means the monthly payment stays the same across the term. A representative example shows a net loan repaid over a fixed period with a fixed nominal rate a year and a monthly instalment that does not change.
How much can I borrow?+
Loan amounts run €3,000 to €80,000, well above the €556.48 typical for personal loans on this site, so the lender suits bigger jobs such as a car, a kitchen or several balances rolled into a single payment. Term options run 12 to 120, and a hard credit check applies at application.
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