Updated September 28, 2026 · BorrowCue Editorial Team
Berliner Volksbank vs Lendela
What sets them apart
| Compare |  Berliner Volksbank |  Lendela |
|---|---|---|
| APR | 6.49% to 13.29% | up to 48% |
| Loan amount | up to €100,000 | SGD 1,000 to SGD 200,000 |
| Term | 12 to 120 monthsHigher | 3 to 72 months |
| Credit check | Soft prequal | None |
| Funding time | within 24 hours after approval | Around 1-2 days from application to disbursement; some within hours |
| 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 | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| 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 | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Loan types | Personal | Personal, Debt consolidation, Business, Secured, StudentCovers more |
| Arrangement fee | Not confirmed | SGD 0 |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Fair |
Same on both: Use cases (Home improvement).
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Key differences
- Berliner Volksbank scores higher overall: 9.1 vs 8.5.
- Founded is lower at Berliner Volksbank: 1946 vs 2018.
- Lendela is available in 1 more country.
- Term is higher at Berliner Volksbank: 12 to 120 months vs 3 to 72 months.
- Support channels: only Lendela offers Help centre.
- Features: only Lendela offers Credit line.
- Loan types: only Lendela offers Debt consolidation, Business, Secured.
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.
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
Score breakdown
| Area | Berliner Volksbank | Lendela |
|---|---|---|
| Cost | 9.2 | Not confirmed |
| Offer | 8.9Fixed rate of 6.49% to 13.29%, free early repayment, amount to up to €100,000. | 8.9Fees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. |
| Trust | 9.1Higher | 8.2 |
Availability and regulation
| Country | Berliner Volksbank | Lendela |
|---|---|---|
| Germany | Not confirmed |
Additional countries for Berliner Volksbank: 1. Additional countries for Lendela: 2.
Positions in our rankings
| Ranking | Berliner Volksbank | Lendela |
|---|---|---|
| Personal loans | 93 of 1932 | 74 of 1932 |
| Mortgages | 12 of 719 | 6 of 719 |
| Remortgage deals | 11 of 351 | 6 of 351 |
| Home improvement loans | 42 of 562 | 31 of 562 |
Feature by feature
| Loan types | Berliner Volksbank | Lendela |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Secured | No | Yes |
| Business | No | Yes |
| Student | No | Yes |
| Use cases | Berliner Volksbank | Lendela |
|---|---|---|
| Home improvement | Yes | Yes |
From lowest to highest
| Fact | Berliner Volksbank | Lendela |
|---|---|---|
| APR | 6.49% to 13.29% | up to 48% |
| Term | 12 to 120 months | 3 to 72 months |
If neither fits
Sofkredit has term at 6 to 240 months, against 12 to 120 months for Berliner Volksbank and 3 to 72 months for Lendela.
Sofkredit reviewEvery fact side by side
| Fact | Berliner Volksbank | Lendela |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Berliner Volksbank eG | Lendela Pte. Ltd. |
| Headquarters | Germany | Singapore |
| Founded | 1946Lower | 2018 |
| Support channels | Email, Phone | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Berliner Volksbank | Lendela |
|---|---|---|
| Initial rate | Not confirmed | 2.4% |
| Fixed period | 5 to 20 years | Not confirmed |
| Product fee | Not confirmed | SGD 0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | Berliner Volksbank | Lendela | Median |
|---|---|---|---|
| APR | 6.49% to 13.29%below the median | up to 48%highest quarter | 8.99 |
| Term | 12 to 120 monthshighest quarter | 3 to 72 monthsabove the median | 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.
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat listed.
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.
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
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 | Lendela |
|---|---|---|
| Germany | Yes | No |
| Hong Kong | No | Yes |
| Singapore | 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.
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
Other options to compare
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