Updated September 28, 2026 · BorrowCue Editorial Team
BBVA vs Commerzbank
Where BBVA and Commerzbank differ
| Compare | BBVA ReviewVisitVisit |  Commerzbank |
|---|---|---|
| APR | 8.08% to 9.16% | 3.29% to 12.49%Lower |
| Loan amount | €3,000 to €75,000 | €1,500 to €100,000Higher |
| Term | 24 to 96 months | 6 to 119 monthsHigher |
| Funding time | Money credited to your BBVA account after signing, in 3 steps | Payout generally within 24 hours after the fully digital application and credit approval |
| Representative example | EUR 10,000 over 8 years: EUR 145.47/month at 9.16% TAE, opening fee 0%, total EUR 13,976.85 | 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 |
| Free early repayment | No | YesHas it |
| Eligibility | Must be a BBVA customer with an account; the 1% rate discount requires payroll (min net EUR 600/month) or pension (min EUR 300/month) domiciled at BBVA | 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 |
| Arrangement fee | 0 EUR | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender), Loan types (Personal).
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Key differences
- Founded is lower at BBVA: 1857 vs 1870.
- APR is lower at Commerzbank: 3.29% to 12.49% vs 8.08% to 9.16%.
- Free early repayment: only Commerzbank.
- Loan amount is higher at Commerzbank: €1,500 to €100,000 vs €3,000 to €75,000.
- Term is higher at Commerzbank: 6 to 119 months vs 24 to 96 months.
Our verdict on each
BBVA
BBVA suits existing customers in Spain who want a fixed-rate personal loan with fees of 0 EUR and the money landing in their BBVA account. The cost picture is the draw: APR of 8.08% to 9.16% sits below the site median, 12%, though the account requirement narrows who can apply.
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 | BBVA | Commerzbank |
|---|---|---|
| Cost | 8.9APR of 8.08% to 9.16% on a personal loan with fees of 0 EUR, below the site median, 12%. | 9.4Higher |
| Offer | 9.6Higher | 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 | 9.6 | 9.6 |
Choosing between them
Pick BBVA if offer matter most.
Pick Commerzbank if cost, apr, loan amount, and term matter most.
Ranges side by side
| Fact | BBVA | Commerzbank |
|---|---|---|
| APR | 8.08% to 9.16% | 3.29% to 12.49% |
| Loan amount | €3,000 to €75,000 | €1,500 to €100,000 |
| Term | 24 to 96 months | 6 to 119 months |
How they place
| Ranking | BBVA | Commerzbank |
|---|---|---|
| Personal loans | 81 of 1932 | 80 of 1932 |
| Mortgages | 9 of 719 | 8 of 719 |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
BBVA
1,294.38 to 1,474.73
1,294.38 to 1,474.73
Commerzbank
515.31 to 2,041.58
515.31 to 2,041.58
Commerzbank comes out 779.07 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Every fact side by side
| Fact | BBVA | Commerzbank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Banco Bilbao Vizcaya Argentaria S.A. | Commerzbank Aktiengesellschaft |
| Headquarters | Spain | Germany |
| Founded | 1857Lower | 1870 |
| Support channels | Not confirmed | Email, Phone, Help centre |
Mortgages
| Fact | BBVA | 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 | Not confirmed | Purchase, Remortgage, Home equity |
Where each stands against the rest
| Fact | BBVA | Commerzbank | Median |
|---|---|---|---|
| APR | 8.08% to 9.16%below the median | 3.29% to 12.49%lowest quarter | 8.99 |
| Loan amount | €3,000 to €75,000above the median | €1,500 to €100,000highest quarter | €40,000 |
| Term | 24 to 96 monthsabove the median | 6 to 119 monthshighest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
BBVA
Pros
- APR of 8.08% to 9.16% sits below the site median, 12%.
- Fees of 0 EUR on a personal loan, so the quoted rate is not padded by an opening charge.
- Money is credited to the BBVA account after signing, so settlement needs no new payee setup.
Cons
- Free early repayment is no, so clearing the balance sooner carries a cost.
- Eligibility starts with holding a BBVA account, and the rate discount asks for a payroll or pension domiciled at BBVA.
- The credit check is hard, so a decline can leave a mark on the credit file.
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
BBVA
Who it suits
- Existing BBVA account holders in Spain with a domiciled payroll or pension who want a rate they can plan around.
- Borrowers funding a home improvement project who can spread the cost, since terms run 24 to 96.
- Readers who prefer the lender to hold the contract rather than a broker, since BBVA is a direct lender.
Who should look elsewhere
- Cashspace, priced at an APR of PHP 12 to PHP 36, if you want a different rate band than BBVA's 8.08% to 9.16%.
- Monzo Flex, at 10% to 23%, for readers comparing a UK lender rather than a Spanish bank.
- Cashspace ES, whose listed APR of 0% reads lower than BBVA's 8.08% to 9.16%.
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 | BBVA | Commerzbank |
|---|---|---|
| Germany | No | Yes |
| Spain | Yes | No |
Questions about each
BBVA
What rate does BBVA charge on a personal loan?+
The personal loan carries an APR of 8.08% to 9.16%, fixed for the whole term. The published example pairs that rate with fees of 0 EUR, so the quoted figure is not padded by an opening charge. Terms run 24 to 96, which shapes the monthly instalment.
Is BBVA regulated?+
BBVA appears in the Spanish register under the Comision Nacional del Mercado de Valores (CNMV), listed as licence MiCA CASP K8MS7FD7N5Z2WQ51AZ71. The legal entity behind the brand is Banco Bilbao Vizcaya Argentaria S.A., and the bank is a direct lender, so the contract is with the bank itself.
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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