Updated September 28, 2026 · BorrowCue Editorial Team
Berliner Volksbank vs CHECK24
Berliner Volksbank vs CHECK24: the differences
| Compare |  Berliner Volksbank |  CHECK24 |
|---|---|---|
| APR | 6.49% to 13.29% | 0.68% to 19.92%Lower |
| Loan amount | up to €100,000 | €500 to €150,000Higher |
| Term | 12 to 120 months | 12 to 240 monthsHigher |
| Funding time | within 24 hours after approval | as little as 3 minutes at some banks, same day |
| Representative example | Nettodarlehensbetrag 10.000,- EUR, effektiver Jahreszins 9,49%, gebundener Sollzinssatz 9,10% p.a., Laufzeit 84 Monate, 84 monatliche Raten a 161,40 EUR, Gesamtbetrag 13.557,77 EUR | 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) |
| Loan types | Personal | Personal, Debt consolidationCovers more |
| Arrangement fee | Not confirmed | 0 EUR |
| Eligibility | Age 18+; permanently employed (not self-employed); monthly income at least 750 EUR; at least 6 months with the employer and probation ended; residence in Germany with official registration address; creditworthiness check passed | Not confirmed |
Same on both: Credit check (Soft prequal), Rate type (Fixed), Lender type (Broker), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Founded is lower at Berliner Volksbank: 1946 vs 1999.
- CHECK24 is available in 2 more countries.
- APR is lower at CHECK24: 0.68% to 19.92% vs 6.49% to 13.29%.
- Loan amount is higher at CHECK24: €500 to €150,000 vs up to €100,000.
- Term is higher at CHECK24: 12 to 240 months vs 12 to 120 months.
- Support channels: only CHECK24 offers Chat, Help centre.
- Loan types: only CHECK24 offers Debt consolidation.
Our verdict on each
Berliner Volksbank
Berliner Volksbank suits permanently employed residents of Germany borrowing for home improvements, with a fixed rate of 6.49% to 13.29% and a ceiling of up to €100,000. Monzo Flex charges 10% to 23%, so this lender suits borrowers who want a fixed monthly cost and free overpayments.
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 | Berliner Volksbank | CHECK24 |
|---|---|---|
| Cost | 9.2 | 9.5Higher |
| Offer | 8.9Fixed rate of 6.49% to 13.29%, free early repayment, amount to up to €100,000. | 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 | 9.1Higher | 8.7 |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
Berliner Volksbank
1,032 to 2,180.17
1,032 to 2,180.17
CHECK24
105.18 to 3,364.22
105.18 to 3,364.22
CHECK24 comes out 926.82 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.
Licences and countries
| Country | Berliner Volksbank | CHECK24 |
|---|---|---|
| Germany | IHK fuer Muenchen und Oberbayern D-W-155-8YX4-05 |
Available in 1 country for both. Additional countries for CHECK24: 2.
Choosing between them
Pick Berliner Volksbank if trust matter most.
Pick CHECK24 if cost, offer, apr, loan amount, and term matter most.
Sources behind this comparison
Berliner Volksbank
- berliner-volksbank.de: 18 facts, checked September 26, 2026
CHECK24
- kredit.check24.de: 12 facts, checked September 26, 2026
- check24.de: 6 facts, checked September 26, 2026
How they place
| Ranking | Berliner Volksbank | CHECK24 |
|---|---|---|
| Personal loans | 93 of 1932 | 92 of 1932 |
| Mortgages | 12 of 719 | 11 of 719 |
| Remortgage deals | 11 of 351 | 10 of 351 |
| Home improvement loans | 42 of 562 | 41 of 562 |
Every fact side by side
| Fact | Berliner Volksbank | CHECK24 |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Berliner Volksbank eG | CHECK24 Vergleichsportal Finanzen GmbH |
| Headquarters | Germany | Germany |
| Founded | 1946Lower | 1999 |
| Support channels | Email, Phone | Phone, Email, Chat, Help centreCovers more |
Mortgages
| Fact | Berliner Volksbank | CHECK24 |
|---|---|---|
| Initial rate | Not confirmed | 3.43% |
| APRC | Not confirmed | 3.5% |
| Fixed period | 5 to 20 yearsHigher | 10 years |
| Maximum loan to value | Not confirmed | 66% |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | Berliner Volksbank | CHECK24 | Median |
|---|---|---|---|
| APR | 6.49% to 13.29%below the median | 0.68% to 19.92%lowest quarter | 8.99 |
| Loan amount | up to €100,000highest quarter | €500 to €150,000highest quarter | €40,000 |
| Term | 12 to 120 monthshighest quarter | 12 to 240 monthshighest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Berliner Volksbank
Pros
- Free early repayment means an overpayment costs nothing, so a borrower with a bonus or a windfall can cut the term and the interest.
- The rate is fixed, so the monthly figure agreed at the start is the monthly figure paid for the whole run of the loan.
- Funding arrives within 24 hours after approval, which suits a repair bill that cannot wait for the next payday.
Cons
- Eligibility asks for permanent employment and a registered address in Germany, so self-employed applicants and freelancers sit outside the product.
- The credit check starts at soft prequal, so a full creditworthiness check is still part of the route before the loan completes.
- The product is a personal loan, listed under personal, so a car, a business or a secured loan is outside what the bank covers.
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
Berliner Volksbank
Who it suits
- Permanently employed residents of Germany with a registered address who are past probation and can show a steady income.
- Borrowers funding a home improvement rather than a car, a business or a consolidation of other debts.
- Anyone who can commit to a fixed monthly cost over 12 to 120 and clear the balance early without a charge.
Who should look elsewhere
- Self-employed borrowers, because the eligibility rule asks for permanent employment and settled probation, which narrows who can apply.
- Borrowers chasing a promotional quote, since Cashspace ES lists 0% against 6.49% to 13.29% here.
- Borrowers priced out by a higher headline rate, since Monzo Flex quotes 10% to 23% against 6.49% to 13.29% here.
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
Berliner Volksbank
Current offer
Bonus
200 Euro Neukundenbonus: 200 EUR
For new customers of the free Blauorange current account for under-30s (account running and cards free of charge, no minimum deposit)
Source, checked September 26, 2026
Discount code
Reisebonus bei Reisebuchungen: up to 10.00%
Included with the free Blauorange current account incl. Gold credit card and girocard; travel insurance package included
Source, checked September 26, 2026
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 | Berliner Volksbank | CHECK24 |
|---|---|---|
| Austria | No | Yes |
| Spain | No | Yes |
| Germany | Yes | Yes |
Questions about each
Berliner Volksbank
What rate does Berliner Volksbank charge on a private loan?+
The rate is 6.49% to 13.29% and it is fixed, so the cost does not move while the loan runs. The amount available goes to up to €100,000. A lower headline rate is not always the cheapest option, so the representative example is worth reading before applying.
How long does it take to get the money?+
Funds arrive within 24 hours after approval, and same-day funding sits behind that promise, so a home improvement bill that cannot wait is the case it serves. The clock starts once an application is approved and the credit check has been passed.
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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