Updated September 28, 2026 · BorrowCue Editorial Team
AU Small Finance Bank vs Berliner Volksbank
Where AU Small Finance Bank and Berliner Volksbank differ
| Compare |  AU Small Finance Bank |  Berliner Volksbank |
|---|---|---|
| APR | up to 30% | 6.49% to 13.29% |
| Loan amount | ₹25,000 to ₹1,500,000 | up to €100,000 |
| Term | 12 to 60 months | 12 to 120 monthsHigher |
| Funding time | Within 24 hours | within 24 hours after approval |
| Lender type | Direct lender | Broker |
| Free early repayment | No | YesHas it |
| Eligibility | Indian resident, 21 years minimum at application, 65 years maximum at loan maturity | Age 18+; permanently employed (not self-employed); monthly income at least 750 EUR; at least 6 months with the employer and probation ended; residence in Germany with official registration address; creditworthiness check passed |
| Loan types | Personal, Debt consolidationCovers more | Personal |
| Arrangement fee | Up to 4% of approved loan amount, minimum INR 2,000 | Not confirmed |
| Credit check | Not confirmed | Soft prequal |
| Representative example | Not confirmed | Nettodarlehensbetrag 10.000,- EUR, effektiver Jahreszins 9,49%, gebundener Sollzinssatz 9,10% p.a., Laufzeit 84 Monate, 84 monatliche Raten a 161,40 EUR, Gesamtbetrag 13.557,77 EUR |
| Origination fee (%) | up to 4% | Not confirmed |
| Credit needed | Good | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed).
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Key differences
- Berliner Volksbank scores higher overall: 9.1 vs 8.9.
- Founded is lower at Berliner Volksbank: 1946 vs 1996.
- Free early repayment: only Berliner Volksbank.
- Term is higher at Berliner Volksbank: 12 to 120 months vs 12 to 60 months.
- Support channels: only AU Small Finance Bank offers Chat, Help centre.
- Loan types: only AU Small Finance Bank offers Debt consolidation.
Our verdict on each
AU Small Finance Bank
AU Small Finance Bank is a direct lender in India, so a personal loan comes straight from the bank with a fixed rate and no broker in between. It suits borrowers with a good credit record who want personal or debt consolidation money of INR 25,000 to INR 1,500,000 and a payout Within 24 hours.
Berliner Volksbank
Berliner Volksbank suits permanently employed residents of Germany borrowing for home improvements, with a fixed rate of 6.49% to 13.29% and a ceiling of up to €100,000. Monzo Flex charges 10% to 23%, so this lender suits borrowers who want a fixed monthly cost and free overpayments.
Score breakdown
| Area | AU Small Finance Bank | Berliner Volksbank |
|---|---|---|
| Cost | 8.2 | 9.2Higher |
| Offer | 9.2HigherDirect lender pricing: APR of up to 30% plus a fee of Up to 4% of approved loan amount, minimum INR 2,000. | 8.9Fixed rate of 6.49% to 13.29%, free early repayment, amount to up to €100,000. |
| Trust | 9.3Higher | 9.1 |
From lowest to highest
| Fact | AU Small Finance Bank | Berliner Volksbank |
|---|---|---|
| APR | up to 30% | 6.49% to 13.29% |
| Term | 12 to 60 months | 12 to 120 months |
Availability and regulation
| Country | AU Small Finance Bank | Berliner Volksbank |
|---|---|---|
| Germany | Not confirmed | |
| India | Not confirmed |
Additional countries for AU Small Finance Bank: 1. Additional countries for Berliner Volksbank: 1.
Sources behind this comparison
AU Small Finance Bank
- au.bank.in: 18 facts, checked September 26, 2026
Berliner Volksbank
- berliner-volksbank.de: 18 facts, checked September 26, 2026
How they place
| Ranking | AU Small Finance Bank | Berliner Volksbank |
|---|---|---|
| Personal loans | 111 of 1943 | 94 of 1943 |
| Mortgages | 15 of 719 | 12 of 719 |
| Remortgage deals | 14 of 351 | 11 of 351 |
Every fact side by side
| Fact | AU Small Finance Bank | Berliner Volksbank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | AU Small Finance Bank Limited | Berliner Volksbank eG |
| Headquarters | India | Germany |
| Founded | 1996 | 1946Lower |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone |
Mortgages
| Fact | AU Small Finance Bank | Berliner Volksbank |
|---|---|---|
| Fixed period | Not confirmed | 5 to 20 years |
| Purpose | Purchase, Remortgage, Home equityCovers more | Purchase, Remortgage |
Where each stands against the rest
| Fact | AU Small Finance Bank | Berliner Volksbank | Median |
|---|---|---|---|
| APR | up to 30%highest quarter | 6.49% to 13.29%below the median | 8.99 |
| Term | 12 to 60 monthsat the median | 12 to 120 monthshighest quarter | 60 |
| Origination fee (%) | up to 4%highest quarter | Not confirmed | 0.25 |
Median across 1005 listed lenders.
Pros and cons
AU Small Finance Bank
Pros
- Personal and debt consolidation borrowing are both offered, listed under personal and debt consolidation.
- A payout of Within 24 hours suits anyone covering a bill or a deadline rather than waiting.
- Support runs on phone, email and chat once the loan is set up.
Cons
- Free early repayment is not offered, so clearing the balance early can cost money.
- An origination charge of Up to 4% of approved loan amount, minimum INR 2,000 makes a small loan heavier to carry than a large one.
- Applicants need a good credit record, which rules out weaker credit files.
Berliner Volksbank
Pros
- Free early repayment means an overpayment costs nothing, so a borrower with a bonus or a windfall can cut the term and the interest.
- The rate is fixed, so the monthly figure agreed at the start is the monthly figure paid for the whole run of the loan.
- Funding arrives within 24 hours after approval, which suits a repair bill that cannot wait for the next payday.
Cons
- Eligibility asks for permanent employment and a registered address in Germany, so self-employed applicants and freelancers sit outside the product.
- The credit check starts at soft prequal, so a full creditworthiness check is still part of the route before the loan completes.
- The product is a personal loan, listed under personal, so a car, a business or a secured loan is outside what the bank covers.
Who each suits
AU Small Finance Bank
Who it suits
- Borrowers with a good credit record in India who want a personal loan or debt consolidation.
- People who want money in hand quickly, with Within 24 hours funding on a fixed rate.
- Shoppers weighing this personal loan against the bank's home lending, which covers purchase, remortgage and home equity.
Who should look elsewhere
- Borrowers chasing the lowest rate on the page, since Cashspace ES lists an APR of 0%.
- Anyone who wants a lower rate ceiling to aim for, as Monzo Flex runs 10% to 23%.
- Borrowers who want to compare a wider rate band, as Cashspace runs PHP 12 to PHP 36.
Berliner Volksbank
Who it suits
- Permanently employed residents of Germany with a registered address who are past probation and can show a steady income.
- Borrowers funding a home improvement rather than a car, a business or a consolidation of other debts.
- Anyone who can commit to a fixed monthly cost over 12 to 120 and clear the balance early without a charge.
Who should look elsewhere
- Self-employed borrowers, because the eligibility rule asks for permanent employment and settled probation, which narrows who can apply.
- Borrowers chasing a promotional quote, since Cashspace ES lists 0% against 6.49% to 13.29% here.
- Borrowers priced out by a higher headline rate, since Monzo Flex quotes 10% to 23% against 6.49% to 13.29% here.
Current offers
Berliner Volksbank
Current offer
Bonus
200 Euro Neukundenbonus: 200 EUR
For new customers of the free Blauorange current account for under-30s (account running and cards free of charge, no minimum deposit)
Source, checked September 26, 2026
Discount code
Reisebonus bei Reisebuchungen: up to 10.00%
Included with the free Blauorange current account incl. Gold credit card and girocard; travel insurance package included
Source, checked September 26, 2026
Country by country
| Country | AU Small Finance Bank | Berliner Volksbank |
|---|---|---|
| Germany | No | Yes |
| India | Yes | No |
Questions about each
AU Small Finance Bank
What rate will I pay on a AU Small Finance Bank personal loan?+
The listed APR is up to 30%, which is a ceiling rather than a rate everyone is offered. Borrowing sits on a fixed rate, so the cost does not shift mid term. The site median for personal loans is 12%, so read your own quote rather than assuming where you land.
What fees are added to the loan?+
An origination charge of Up to 4% of approved loan amount, minimum INR 2,000 applies to the approved amount. Ask what the fee works out to in cash on your borrowing, not only as a percentage, because the minimum charge takes a larger share of a small loan than of a large one.
Berliner Volksbank
What rate does Berliner Volksbank charge on a private loan?+
The rate is 6.49% to 13.29% and it is fixed, so the cost does not move while the loan runs. The amount available goes to up to €100,000. A lower headline rate is not always the cheapest option, so the representative example is worth reading before applying.
How long does it take to get the money?+
Funds arrive within 24 hours after approval, and same-day funding sits behind that promise, so a home improvement bill that cannot wait is the case it serves. The clock starts once an application is approved and the credit check has been passed.
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