Updated September 28, 2026 · BorrowCue Editorial Team
AU Small Finance Bank vs Commerzbank
Where AU Small Finance Bank and Commerzbank differ
| Compare |  AU Small Finance Bank |  Commerzbank |
|---|---|---|
| APR | up to 30% | 3.29% to 12.49% |
| Loan amount | ₹25,000 to ₹1,500,000 | €1,500 to €100,000 |
| Term | 12 to 60 months | 6 to 119 monthsHigher |
| Funding time | Within 24 hours | Payout generally within 24 hours after the fully digital application and credit approval |
| Free early repayment | No | YesHas it |
| Eligibility | Indian resident, 21 years minimum at application, 65 years maximum at loan maturity | 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 |
| 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 | Hard |
| Representative example | Not confirmed | 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 |
| Origination fee (%) | up to 4% | Not confirmed |
| Credit needed | Good | Not confirmed |
Same on both: Rate type (Fixed), Lender type (Direct lender).
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Key differences
- Commerzbank scores higher overall: 9.4 vs 8.9.
- Founded is lower at Commerzbank: 1870 vs 1996.
- Free early repayment: only Commerzbank.
- Term is higher at Commerzbank: 6 to 119 months vs 12 to 60 months.
- Support channels: only AU Small Finance Bank offers Chat.
- 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.
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 | AU Small Finance Bank | Commerzbank |
|---|---|---|
| Cost | 8.2 | 9.4Higher |
| 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. | 9.2Direct 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 |
Pick AU Small Finance Bank if, pick Commerzbank if
Pick AU Small Finance Bank if loan types matter most.
Pick Commerzbank if cost, trust, term, and free early repayment matter most.
Licences and countries
| Country | AU Small Finance Bank | Commerzbank |
|---|---|---|
| Germany | Not confirmed | Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin) BAK Nr. 100005 |
| India | Not confirmed |
Additional countries for AU Small Finance Bank: 1. Additional countries for Commerzbank: 1.
Ranges side by side
| Fact | AU Small Finance Bank | Commerzbank |
|---|---|---|
| APR | up to 30% | 3.29% to 12.49% |
| Term | 12 to 60 months | 6 to 119 months |
Where they rank in our lists
| Ranking | AU Small Finance Bank | Commerzbank |
|---|---|---|
| Personal loans | 110 of 1943 | 80 of 1943 |
| Mortgages | 15 of 719 | 8 of 719 |
| Remortgage deals | 14 of 351 | 8 of 351 |
| Home equity loans and HELOCs | 5 of 110 | 3 of 110 |
Every fact side by side
| Fact | AU Small Finance Bank | Commerzbank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | AU Small Finance Bank Limited | Commerzbank Aktiengesellschaft |
| Headquarters | India | Germany |
| Founded | 1996 | 1870Lower |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone, Help centre |
Mortgages
| Fact | AU Small Finance 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 | Purchase, Remortgage, Home equity | Purchase, Remortgage, Home equity |
Where each stands against the rest
| Fact | AU Small Finance Bank | Commerzbank | Median |
|---|---|---|---|
| APR | up to 30%highest quarter | 3.29% to 12.49%lowest quarter | 8.99 |
| Term | 12 to 60 monthsat the median | 6 to 119 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.
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
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.
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 | AU Small Finance Bank | Commerzbank |
|---|---|---|
| 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.
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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