Updated September 29, 2026 · BorrowCue Editorial Team
Bank Norwegian vs Postbank
What sets them apart
| Compare |  Bank Norwegian |  Postbank |
|---|---|---|
| APR | 10.43% to 36.85% | 3.25% to 14.3%Lower |
| Loan amount | NOK 5,000 to NOK 600,000 | €3,000 to €80,000 |
| Term | 12 to 60 months | 12 to 120 monthsHigher |
| Funding time | 0-3 business days after the last document is received | A few days: review normally takes two business days, plus a few days until the money arrives |
| Representative example | Forbrukslån: nominal rate 12.99%, effective rate 15.15%, NOK 85,000 over 5 years, origination fee NOK 995; cost NOK 34,173, total NOK 119,173 | 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) |
| Rate type | Variable | Fixed |
| Eligibility | Age 20 or over, registered income, and no payment remarks or active collection cases | At least 18 years old and regular salary, wage or pension payments of sufficient amount; creditworthiness required |
| Loan types | Personal, Debt consolidation, Credit line, CarCovers more | Personal, Debt consolidation, Car |
| Arrangement fee | Etableringsgebyr kr 0 - kr 1 995 (tiered by loan amount) | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Credit check (Hard), Lender type (Direct lender), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Postbank scores higher overall: 9.3 vs 9.1.
- Bank Norwegian is available in 5 more countries.
- APR is lower at Postbank: 3.25% to 14.3% vs 10.43% to 36.85%.
- Term is higher at Postbank: 12 to 120 months vs 12 to 60 months.
- Loan types: only Bank Norwegian offers Credit line.
Our verdict on each
Bank Norwegian
Bank Norwegian suits Norwegian borrowers with registered income who want a direct lender, a credit line or a home improvement loan, and free early repayment.
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 | Bank Norwegian | Postbank |
|---|---|---|
| Cost | 9.0 | 9.4Higher |
| Offer | 9.1Variable rate with APR 10.43% to 36.85%, tiered origination fee Etableringsgebyr kr 0 - kr 1 995 (tiered by loan amount). | 9.3HigherBreadth of the offer: €3,000 to €80,000 across 12 to 120, fixed rate with early repayment free. |
| Trust | 9.1 | 9.2Higher |
Where each is licensed and available
| Country | Bank Norwegian | Postbank |
|---|---|---|
| Germany | Not confirmed |
Available in 1 country for both. Additional countries for Bank Norwegian: 5.
Ranges side by side
| Fact | Bank Norwegian | Postbank |
|---|---|---|
| APR | 10.43% to 36.85% | 3.25% to 14.3% |
| Term | 12 to 60 months | 12 to 120 months |
Choosing between them
Pick Bank Norwegian if loan types matter most.
Pick Postbank if cost, apr, and term matter most.
Also worth a look
Prestamiau ES has apr at 0% to 36%, against 10.43% to 36.85% for Bank Norwegian and 3.25% to 14.3% for Postbank.
Prestamiau ES reviewWhat we checked
Bank Norwegian
- banknorwegian.no: 17 facts, checked September 26, 2026
Postbank
- postbank.de: 17 facts, checked September 26, 2026
How they place
| Ranking | Bank Norwegian | Postbank |
|---|---|---|
| Personal loans | 520 of 1920 | 85 of 1920 |
| Debt consolidation loans | 161 of 425 | 31 of 425 |
| Car loans | 138 of 432 | 21 of 432 |
| Home improvement loans | 213 of 562 | 37 of 562 |
Every fact side by side
| Fact | Bank Norwegian | Postbank |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Legal entity | NOBA Bank Group AB (publ) NUF | Postbank, a branch of Deutsche Bank AG |
| Headquarters | Norway | Germany |
| Founded | 2007 | Not confirmed |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Mortgages
| Fact | Bank Norwegian | Postbank |
|---|---|---|
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Bank Norwegian | Postbank | Median |
|---|---|---|---|
| APR | 10.43% to 36.85%above the median | 3.25% to 14.3%lowest quarter | 8.99 |
| Term | 12 to 60 monthsat the median | 12 to 120 monthshighest quarter | 60 |
Median across 1152 listed lenders.
Pros and cons
Bank Norwegian
Pros
- Covers personal, debt consolidation, car, credit line and home improvement borrowing in one place
- Origination fee starts at free: Etableringsgebyr kr 0 - kr 1 995 (tiered by loan amount), tiered by loan amount
- Free early repayment, so clearing the balance early costs nothing extra
Cons
- Support runs on phone, email and help centre only, with no live chat listed
- Rates are variable, so the cost of an existing loan can move after you take it
- Applications run a hard credit check, so a rejected application leaves a mark on the file
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
Bank Norwegian
Who it suits
- Borrowers with registered income and a clean payment record
- Anyone planning a home improvement project, which is a listed use
- People who want to clear the loan early without a repayment fee
Who should look elsewhere
- Anyone wanting live chat, since support runs on phone, email and help centre only
- Borrowers who need a fixed rate, as the rate type is variable
- Applicants with payment remarks or active collection cases
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 | Bank Norwegian | Postbank |
|---|---|---|
| Denmark | Yes | No |
| Finland | Yes | No |
| Norway | Yes | No |
| Spain | Yes | No |
| Sweden | Yes | No |
| Germany | Yes | Yes |
Questions about each
Bank Norwegian
What APR does Bank Norwegian charge on an unsecured loan?+
The stated rate runs at 10.43% to 36.85%. Rates are variable, so the figure moves with the market rather than being held for the life of the loan. Borrowers should budget for a rate that can rise as well as fall.
How much does it cost to set up a loan?+
The origination fee is Etableringsgebyr kr 0 - kr 1 995 (tiered by loan amount), so the lowest tier costs nothing. The tier you pay depends on how much you borrow, which means a larger loan carries a larger one-off charge on top of the interest.
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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