Updated September 28, 2026 · BorrowCue Editorial Team
Berliner Volksbank vs Commerzbank
Berliner Volksbank vs Commerzbank: the differences
| Compare |  Berliner Volksbank |  Commerzbank |
|---|---|---|
| APR | 6.49% to 13.29% | 3.29% to 12.49%Lower |
| Loan amount | up to €100,000 | €1,500 to €100,000 |
| Term | 12 to 120 monthsHigher | 6 to 119 months |
| Credit check | Soft prequal | Hard |
| Funding time | within 24 hours after approval | Payout generally within 24 hours after the fully digital application and credit approval |
| 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 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 |
| Lender type | Broker | Direct lender |
| 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 | 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 |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed), Free early repayment (Yes), Loan types (Personal).
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Key differences
- Commerzbank scores higher overall: 9.4 vs 9.1.
- Founded is lower at Commerzbank: 1870 vs 1946.
- APR is lower at Commerzbank: 3.29% to 12.49% vs 6.49% to 13.29%.
- Term is higher at Berliner Volksbank: 12 to 120 months vs 6 to 119 months.
- Support channels: only Commerzbank offers Help centre.
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.
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 | Berliner Volksbank | Commerzbank |
|---|---|---|
| Cost | 9.2 | 9.4Higher |
| Offer | 8.9Fixed rate of 6.49% to 13.29%, free early repayment, amount to up to €100,000. | 9.2HigherDirect lender offering personal loans at 3.29% to 12.49%, terms of 6 to 119 and free early repayment on the instalment product. |
| Trust | 9.1 | 9.6Higher |
Availability and regulation
| Country | Berliner Volksbank | Commerzbank |
|---|---|---|
| Germany | Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin) BAK Nr. 100005 |
Available in 1 country for both.
How they place
| Ranking | Berliner Volksbank | Commerzbank |
|---|---|---|
| Personal loans | 93 of 1932 | 80 of 1932 |
| Mortgages | 12 of 719 | 8 of 719 |
| Remortgage deals | 11 of 351 | 8 of 351 |
Sources behind this comparison
Berliner Volksbank
- berliner-volksbank.de: 18 facts, checked September 26, 2026
Commerzbank
- commerzbank.de: 16 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Berliner Volksbank | Commerzbank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Berliner Volksbank eG | Commerzbank Aktiengesellschaft |
| Headquarters | Germany | Germany |
| Founded | 1946 | 1870Lower |
| Support channels | Email, Phone | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Berliner Volksbank | Commerzbank |
|---|---|---|
| Initial rate | Not confirmed | 4.45% |
| APRC | Not confirmed | 4.54% |
| Fixed period | 5 to 20 yearsHigher | 10 years |
| Maximum loan to value | Not confirmed | 60% |
| Purpose | Purchase, Remortgage | Purchase, Remortgage, Home equityCovers more |
Where each stands against the rest
| Fact | Berliner Volksbank | Commerzbank | Median |
|---|---|---|---|
| APR | 6.49% to 13.29%below the median | 3.29% to 12.49%lowest quarter | 8.99 |
| Loan amount | up to €100,000highest quarter | €1,500 to €100,000highest quarter | €40,000 |
| Term | 12 to 120 monthshighest quarter | 6 to 119 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.
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
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.
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
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
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 | Berliner Volksbank | Commerzbank |
|---|---|---|
| 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.
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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