Updated September 28, 2026 · BorrowCue Editorial Team
AU Small Finance Bank vs CHECK24
What sets them apart
| Compare |  AU Small Finance Bank |  CHECK24 |
|---|---|---|
| APR | up to 30% | 0.68% to 19.92% |
| Loan amount | ₹25,000 to ₹1,500,000 | €500 to €150,000 |
| Term | 12 to 60 months | 12 to 240 monthsHigher |
| Arrangement fee | Up to 4% of approved loan amount, minimum INR 2,000 | 0 EUR |
| Funding time | Within 24 hours | as little as 3 minutes at some banks, same day |
| Lender type | Direct lender | Broker |
| Free early repayment | No | YesHas it |
| Credit check | Not confirmed | Soft prequal |
| Representative example | Not confirmed | Ratenkredit: net loan amount 20,000 EUR, 7 years (84 months), 5.39% effective annual rate, 5.26% fixed nominal rate p.a., monthly instalment 285.14 EUR, total amount 23,951.75 EUR, Openbank Deutschland AG (BestCredit) |
| Eligibility | Indian resident, 21 years minimum at application, 65 years maximum at loan maturity | Not confirmed |
| Origination fee (%) | up to 4% | Not confirmed |
| Credit needed | Good | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed), Loan types (Personal, Debt consolidation).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- CHECK24 scores higher overall: 9.1 vs 8.9.
- Founded is lower at AU Small Finance Bank: 1996 vs 1999.
- CHECK24 is available in 2 more countries.
- Free early repayment: only CHECK24.
- Term is higher at CHECK24: 12 to 240 months vs 12 to 60 months.
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.
CHECK24
CHECK24 suits German borrowers who would rather a broker shop fixed-rate loans for them. Personal loans and debt consolidation run 0.68% to 19.92%, with an origination fee of 0 EUR and terms of 12 to 240, while the home finance listings show an initial rate of 3.43%.
Score breakdown
| Area | AU Small Finance Bank | CHECK24 |
|---|---|---|
| Cost | 8.2 | 9.5Higher |
| Offer | 9.2Direct lender pricing: APR of up to 30% plus a fee of Up to 4% of approved loan amount, minimum INR 2,000. | 9.3HigherPersonal loan rates run 0.68% to 19.92% and some banks fund the same day, but a partner bank sets the final rate. |
| Trust | 9.3Higher | 8.7 |
Which one suits you
Pick AU Small Finance Bank if trust matter most.
Pick CHECK24 if cost, term, and free early repayment matter most.
Availability and regulation
| Country | AU Small Finance Bank | CHECK24 |
|---|---|---|
| Germany | Not confirmed | IHK fuer Muenchen und Oberbayern D-W-155-8YX4-05 |
| India | Not confirmed |
Additional countries for AU Small Finance Bank: 1. Additional countries for CHECK24: 3.
How they place
| Ranking | AU Small Finance Bank | CHECK24 |
|---|---|---|
| Personal loans | 111 of 1943 | 93 of 1943 |
| Debt consolidation loans | 46 of 425 | 36 of 425 |
| Mortgages | 15 of 719 | 11 of 719 |
| Remortgage deals | 14 of 351 | 10 of 351 |
Every fact side by side
| Fact | AU Small Finance Bank | CHECK24 |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | AU Small Finance Bank Limited | CHECK24 Vergleichsportal Finanzen GmbH |
| Headquarters | India | Germany |
| Founded | 1996Lower | 1999 |
| Support channels | Phone, Email, Chat, Help centre | Phone, Email, Chat, Help centre |
Mortgages
| Fact | AU Small Finance Bank | CHECK24 |
|---|---|---|
| Initial rate | Not confirmed | 3.43% |
| APRC | Not confirmed | 3.5% |
| Fixed period | Not confirmed | 10 years |
| Maximum loan to value | Not confirmed | 66% |
| Purpose | Purchase, Remortgage, Home equityCovers more | Purchase, Remortgage |
Where each stands against the rest
| Fact | AU Small Finance Bank | CHECK24 | Median |
|---|---|---|---|
| APR | up to 30%highest quarter | 0.68% to 19.92%lowest quarter | 8.99 |
| Term | 12 to 60 monthsat the median | 12 to 240 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.
CHECK24
Pros
- Origination fee of 0 EUR on personal loans, so an indicative quote does not cost you anything.
- Amounts run €500 to €150,000 with terms of 12 to 240, so a small bill and a larger project can both be spread.
- A soft prequalification check, soft prequal, shows indicative rates before any full credit check.
Cons
- The credit check listed is a soft prequalification, soft prequal, so a full check can still follow and the bank sets the final rate.
- Loan types stop at personal and debt consolidation and the maximum loan to value is 66%, so borrowers with little equity have less room on the home finance side.
- As a broker, broker, the offer comes from a partner bank, so the rate you end up with is that bank's rather than the site's.
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.
CHECK24
Who it suits
- German borrowers who would rather a broker compare personal loans and debt consolidation loans than apply bank by bank.
- Anyone planning a purchase or remortgage, since the home finance listings show an initial rate of 3.43% and a fixed period of 10.
- Home improvement borrowers, since home improvement is the listed use case, home improvement.
Who should look elsewhere
- Monzo Flex, if you want one provider from first quote to final, since its rates run 10% to 23% with no broker in the middle.
- Cashspace, whose listed rates are PHP 12 to PHP 36 and sit in a different market from German fixed-rate loans.
- Cashspace ES, which shows a rate of 0% rather than the German range of 0.68% to 19.92%.
Current offers
CHECK24
Current offer
Bonus
Trikot-Deal bis 01.10. sichern: free jersey plus up to 400 EUR Smily cashback
on successful conclusion of a loan with selected banks by 01.10.; cashback depends on Smily level and loan amount
Source, checked September 26, 2026
Country by country
| Country | AU Small Finance Bank | CHECK24 |
|---|---|---|
| Austria | No | Yes |
| Germany | No | Yes |
| India | Yes | No |
| Spain | No | Yes |
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.
CHECK24
What does it cost to take a loan through CHECK24?+
On personal loans the origination fee is 0 EUR, and the rates quoted by partner banks run 0.68% to 19.92%, a wide spread because each bank prices risk differently. Instalment loans sit on a fixed rate, fixed, so the monthly figure holds for the term. Read the representative example before you sign.
Will applying damage my credit file?+
The credit check listed is a soft prequalification, soft prequal, which shows indicative rates before you commit to anything. A full check can still be required by the bank that makes the final offer, so treat the first figures as a guide rather than a deal.
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