Updated September 28, 2026 · BorrowCue Editorial Team
Berliner Volksbank vs Creditilia ES
What sets them apart
| Compare |  Berliner Volksbank |  Creditilia ES |
|---|---|---|
| APR | 6.49% to 13.29% | 4% to 289%Lower |
| Loan amount | up to €100,000Higher | €500 to €50,000 |
| Term | 12 to 120 monthsHigher | 3 to 96 months |
| Credit check | Soft prequal | Hard |
| Funding time | within 24 hours after approval | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes |
| 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 | EUR 5,000 loan over 60 months at fixed 4% annual rate (4.12% TAE), monthly payment EUR 92.08, total repayable EUR 5,524.96, no opening, study or early repayment fee |
| Lender type | Broker | Marketplace |
| 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 | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) |
| Loan types | Personal | Personal, Payday, Debt consolidation, Business, Guarantor, CarCovers more |
| Arrangement fee | Not confirmed | EUR 0 - no opening, study or early repayment fee |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Poor |
Same on both: Rate type (Fixed), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Berliner Volksbank scores higher overall: 9.1 vs 8.7.
- APR is lower at Creditilia ES: 4% to 289% vs 6.49% to 13.29%.
- Loan amount is higher at Berliner Volksbank: up to €100,000 vs €500 to €50,000.
- Term is higher at Berliner Volksbank: 12 to 120 months vs 3 to 96 months.
- Support channels: only Berliner Volksbank offers Phone.
- Loan types: only Creditilia ES offers Payday, Debt consolidation, Business.
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.
Creditilia ES
Creditilia ES is a Spanish loan marketplace that suits borrowers who want a quick answer and no upfront or exit fee, and who will accept a rate decided by whichever partner lender they are matched with. Its annual rate runs 4% to 289%, so the final price can sit far above 12%.
Score breakdown
| Area | Berliner Volksbank | Creditilia ES |
|---|---|---|
| Cost | 9.2 | 9.4HigherFees of EUR 0 - no opening, study or early repayment fee and free early repayment, against an annual rate running 4% to 289%. |
| Offer | 8.9HigherFixed rate of 6.49% to 13.29%, free early repayment, amount to up to €100,000. | 8.5 |
| Trust | 9.1Higher | 8.1 |
What it costs in practice
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
Creditilia ES
628.63 to 76,736.69
628.63 to 76,736.69
Creditilia ES comes out 403.37 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 | Creditilia ES |
|---|---|---|
| Germany | Not confirmed |
Additional countries for Berliner Volksbank: 1. Additional countries for Creditilia ES: 1.
Sources behind this comparison
Berliner Volksbank
- berliner-volksbank.de: 18 facts, checked September 26, 2026
Creditilia ES
- creditilia.es: 20 facts, checked September 26, 2026
How they place
| Ranking | Berliner Volksbank | Creditilia ES |
|---|---|---|
| Personal loans | 93 of 1932 | 51 of 1932 |
| Mortgages | 12 of 719 | 4 of 719 |
| Remortgage deals | 11 of 351 | 4 of 351 |
| Home improvement loans | 42 of 562 | 23 of 562 |
Every fact side by side
| Fact | Berliner Volksbank | Creditilia ES |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Berliner Volksbank eG | The Way Media Marketing & Digital Services SL (NIF B44789139) |
| Headquarters | Germany | Spain |
| Founded | 1946 | Not confirmed |
| Support channels | Email, PhoneCovers more |
Mortgages
| Fact | Berliner Volksbank | Creditilia ES |
|---|---|---|
| Initial rate | Not confirmed | 4% |
| APRC | Not confirmed | 4.12% |
| Fixed period | 5 to 20 yearsHigher | 5 years |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | Berliner Volksbank | Creditilia ES | Median |
|---|---|---|---|
| APR | 6.49% to 13.29%below the median | 4% to 289%lowest quarter | 8.99 |
| Loan amount | up to €100,000highest quarter | €500 to €50,000above the median | €40,000 |
| Term | 12 to 120 monthshighest quarter | 3 to 96 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
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.
Creditilia ES
Pros
- Fees of EUR 0 - no opening, study or early repayment fee on the personal, payday, consolidation, business, guarantor and car loans, and free early repayment, so clearing a balance ahead of schedule costs nothing.
- Offers are shown immediately with an answer within a day, and same day funding is listed as a feature (same day funding).
- Pricing is fixed: the rate type is fixed and the model is fixed rate, so the monthly payment holds for the whole term.
Cons
- Creditilia ES is a marketplace, so the rate is set by the partner lender you are matched with rather than published as one figure, and the range it quotes runs 4% to 289%.
- The top of that range is punishing, sitting far above the 12% median across the market, so a poor credit profile can land you at the wrong end of it.
- Applications use a hard credit search (hard), which leaves a full mark on your file rather than a soft prequalification.
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.
Creditilia ES
Who it suits
- Residents of Spain with an imperfect credit history who need an answer fast and can live with a price set by a partner lender.
- Borrowers who expect to clear a loan ahead of schedule, since free early repayment applies and the fee line leaves nothing to negotiate.
- People weighing a short or a long term, because terms of 3 to 96 sit either side of the 36 month median across the market.
Who should look elsewhere
- Anyone who wants a single published rate at application: Monzo Flex quotes an APR of 10% to 23%, a far narrower band than the 4% to 289% range carried here.
- Borrowers hunting a lower headline cost: Cashspace ES lists an APR of 0%, against a range that runs 4% to 289% on this marketplace.
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
Country by country
| Country | Berliner Volksbank | Creditilia ES |
|---|---|---|
| Germany | Yes | No |
| Spain | No | 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.
Creditilia ES
What rate will I actually pay?+
Creditilia ES is a marketplace, so the rate is set by the partner lender you are matched with rather than published as one number. The site quotes an annual rate of 4% to 289%, a wide band, and the median across the market is 12%. Treat the lower end as a possibility and plan your budget around the rest.
What does it cost to take out a loan?+
There is no charge for taking the loan out. The fee line reads EUR 0 - no opening, study or early repayment fee, so no opening fee, no study fee and no early repayment charge applies to the personal, payday, consolidation, business, guarantor and car loans listed. What you pay is interest, at a rate that runs 4% to 289%.
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