Updated September 29, 2026 · BorrowCue Editorial Team
AU Small Finance Bank vs Postbank
Where AU Small Finance Bank and Postbank differ
| Compare |  AU Small Finance Bank |  Postbank |
|---|---|---|
| APR | up to 30% | 3.25% to 14.3% |
| Loan amount | ₹25,000 to ₹1,500,000 | €3,000 to €80,000 |
| Term | 12 to 60 months | 12 to 120 monthsHigher |
| Funding time | Within 24 hours | A few days: review normally takes two business days, plus a few days until the money arrives |
| 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 and regular salary, wage or pension payments of sufficient amount; creditworthiness required |
| Loan types | Personal, Debt consolidation | Personal, Debt consolidation, CarCovers more |
| Credit needed | Good | Poor |
| Arrangement fee | Up to 4% of approved loan amount, minimum INR 2,000 | Not confirmed |
| Credit check | Not confirmed | Hard |
| Representative example | Not confirmed | Net loan amount EUR 10,000, effective annual rate 9.67%, nominal rate 9.27% p.a., term 84 months, 85 instalments of EUR 164, total amount EUR 13,724 (Postbank Privatkredit direkt) |
| Origination fee (%) | up to 4% | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed), Lender type (Direct lender).
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Key differences
- Postbank scores higher overall: 9.3 vs 8.9.
- Free early repayment: only Postbank.
- Term is higher at Postbank: 12 to 120 months vs 12 to 60 months.
- Support channels: only AU Small Finance Bank offers Chat.
- Loan types: only Postbank offers Car.
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.
Postbank
Postbank lends directly at 3.25% to 14.3% on amounts of €3,000 to €80,000, with a fixed rate and free early repayment. It suits German adults with regular income who want a known monthly cost and can wait a few days for the money to arrive.
Score breakdown
| Area | AU Small Finance Bank | Postbank |
|---|---|---|
| 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. | 9.3HigherBreadth of the offer: €3,000 to €80,000 across 12 to 120, fixed rate with early repayment free. |
| Trust | 9.3Higher | 9.2 |
Licences and countries
| Country | AU Small Finance Bank | Postbank |
|---|---|---|
| Germany | Not confirmed | |
| India | Not confirmed |
Additional countries for AU Small Finance Bank: 1. Additional countries for Postbank: 1.
Ranges side by side
| Fact | AU Small Finance Bank | Postbank |
|---|---|---|
| APR | up to 30% | 3.25% to 14.3% |
| Term | 12 to 60 months | 12 to 120 months |
Also worth a look
Sofkredit has term at 6 to 240 months, against 12 to 60 months for AU Small Finance Bank and 12 to 120 months for Postbank.
Sofkredit reviewWhere these facts come from
AU Small Finance Bank
- au.bank.in: 18 facts, checked September 26, 2026
Postbank
- postbank.de: 17 facts, checked September 26, 2026
How they place
| Ranking | AU Small Finance Bank | Postbank |
|---|---|---|
| Personal loans | 111 of 1943 | 85 of 1943 |
| Debt consolidation loans | 46 of 425 | 31 of 425 |
| Mortgages | 15 of 719 | 10 of 719 |
| Remortgage deals | 14 of 351 | 9 of 351 |
Every fact side by side
| Fact | AU Small Finance Bank | Postbank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | AU Small Finance Bank Limited | Postbank, a branch of Deutsche Bank AG |
| Headquarters | India | Germany |
| Founded | 1996 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone, Help centre |
Mortgages
| Fact | AU Small Finance Bank | Postbank |
|---|---|---|
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage, Home equityCovers more | Purchase, Remortgage |
Where each stands against the rest
| Fact | AU Small Finance Bank | Postbank | Median |
|---|---|---|---|
| APR | up to 30%highest quarter | 3.25% to 14.3%lowest quarter | 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.
Postbank
Pros
- APR of 3.25% to 14.3% compares favourably with the 12.25% median for personal loans on this site.
- Fixed rate for the whole term (fixed), so the monthly outlay does not drift upward.
- Free early repayment, so a windfall can clear the balance without a charge.
Cons
- The rate runs to the top of the 3.25% to 14.3% range for thinner files, and the check is hard.
- Because direct lender lending puts the decision with the bank, funding takes a few days rather than landing at once.
- Borrowing runs through DE, so it is aimed at people with German income rather than applicants abroad.
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.
Postbank
Who it suits
- Adults past a minimum age with a regular salary, wage or pension payment, which is what eligibility asks for.
- Borrowers who want the rate fixed to the end of the term, since fixed rate applies.
- People who expect to overpay and finish sooner, since early repayment is free.
Who should look elsewhere
- Anyone chasing interest free borrowing, since Cashspace ES quotes 0%.
- Readers who want to draw and repay repeatedly rather than take one fixed instalment loan, who should weigh Monzo Flex at 10% to 23%.
- Borrowers who want a second opinion on price, since Cashspace publishes PHP 12 to PHP 36 to set beside 3.25% to 14.3%.
Current offers
Postbank
Current offer
Bonus
Tagesgeld new deposits action: 3.2% p.a. interest for 6 months
New deposits only, total Postbank savings balance must increase
Source, checked September 26, 2026
Bonus
Wertpapierdepot online opening credit: EUR 25 credit
Open a securities account online by 30 September 2026
Source, checked September 26, 2026
Country by country
| Country | AU Small Finance Bank | Postbank |
|---|---|---|
| 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.
Postbank
What rate would I pay on a Postbank loan?+
Postbank quotes an APR of 3.25% to 14.3% on its direct private loan, which sits against a median of 12.25% for personal loans on this site. The rate is fixed (fixed) for the whole term, so the instalment you sign up for is the one you keep paying.
How much can I borrow and how long can I take to repay it?+
Borrowing runs from €3,000 to €80,000 with terms of 12 to 120, so a larger sum means a longer commitment. It is a direct lender arrangement (direct lender), which means your application sits with the bank rather than with a broker who passes details around.
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