Updated September 29, 2026 · BorrowCue Editorial Team
Berliner Volksbank vs Postbank
What sets them apart
| Compare |  Berliner Volksbank |  Postbank |
|---|---|---|
| APR | 6.49% to 13.29% | 3.25% to 14.3%Lower |
| Loan amount | up to €100,000Higher | €3,000 to €80,000 |
| Credit check | Soft prequal | Hard |
| Funding time | within 24 hours after approval | A few days: review normally takes two business days, plus a few days until the money arrives |
| 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 | Net loan amount EUR 10,000, effective annual rate 9.67%, nominal rate 9.27% p.a., term 84 months, 85 instalments of EUR 164, total amount EUR 13,724 (Postbank Privatkredit direkt) |
| 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 and regular salary, wage or pension payments of sufficient amount; creditworthiness required |
| Loan types | Personal | Personal, Debt consolidation, CarCovers more |
| Credit needed | Not confirmed | Poor |
Same on both: Term (12 to 120 months), Rate type (Fixed), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Postbank scores higher overall: 9.3 vs 9.1.
- APR is lower at Postbank: 3.25% to 14.3% vs 6.49% to 13.29%.
- Loan amount is higher at Berliner Volksbank: up to €100,000 vs €3,000 to €80,000.
- Support channels: only Postbank offers Help centre.
- Loan types: only Postbank offers Debt consolidation, Car.
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.
Postbank
Postbank lends directly at 3.25% to 14.3% on amounts of €3,000 to €80,000, with a fixed rate and free early repayment. It suits German adults with regular income who want a known monthly cost and can wait a few days for the money to arrive.
Score breakdown
| Area | Berliner Volksbank | Postbank |
|---|---|---|
| Cost | 9.2 | 9.4Higher |
| Offer | 8.9Fixed rate of 6.49% to 13.29%, free early repayment, amount to up to €100,000. | 9.3HigherBreadth of the offer: €3,000 to €80,000 across 12 to 120, fixed rate with early repayment free. |
| Trust | 9.1 | 9.2Higher |
Which one suits you
Pick Berliner Volksbank if loan amount matter most.
Pick Postbank if offer, apr, and loan types matter most.
Positions in our rankings
| Ranking | Berliner Volksbank | Postbank |
|---|---|---|
| Personal loans | 93 of 1932 | 85 of 1932 |
| Mortgages | 12 of 719 | 10 of 719 |
| Remortgage deals | 11 of 351 | 9 of 351 |
| Home improvement loans | 42 of 562 | 37 of 562 |
What each covers
| Loan types | Berliner Volksbank | Postbank |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Car | No | Yes |
| Use cases | Berliner Volksbank | Postbank |
|---|---|---|
| Home improvement | Yes | Yes |
Also worth a look
Prestamiau ES has apr at 0% to 36%, against 6.49% to 13.29% for Berliner Volksbank and 3.25% to 14.3% for Postbank.
Prestamiau ES reviewEvery fact side by side
| Fact | Berliner Volksbank | Postbank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | Berliner Volksbank eG | Postbank, a branch of Deutsche Bank AG |
| Headquarters | Germany | Germany |
| Founded | 1946 | Not confirmed |
| Support channels | Email, Phone | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Berliner Volksbank | Postbank |
|---|---|---|
| Fixed period | 5 to 20 years | Not confirmed |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | Berliner Volksbank | Postbank | Median |
|---|---|---|---|
| APR | 6.49% to 13.29%below the median | 3.25% to 14.3%lowest quarter | 8.99 |
| Loan amount | up to €100,000highest quarter | €3,000 to €80,000highest quarter | €40,000 |
| Term | 12 to 120 monthshighest quarter | 12 to 120 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.
Postbank
Pros
- APR of 3.25% to 14.3% compares favourably with the 12.25% median for personal loans on this site.
- Fixed rate for the whole term (fixed), so the monthly outlay does not drift upward.
- Free early repayment, so a windfall can clear the balance without a charge.
Cons
- The rate runs to the top of the 3.25% to 14.3% range for thinner files, and the check is hard.
- Because direct lender lending puts the decision with the bank, funding takes a few days rather than landing at once.
- Borrowing runs through DE, so it is aimed at people with German income rather than applicants abroad.
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.
Postbank
Who it suits
- Adults past a minimum age with a regular salary, wage or pension payment, which is what eligibility asks for.
- Borrowers who want the rate fixed to the end of the term, since fixed rate applies.
- People who expect to overpay and finish sooner, since early repayment is free.
Who should look elsewhere
- Anyone chasing interest free borrowing, since Cashspace ES quotes 0%.
- Readers who want to draw and repay repeatedly rather than take one fixed instalment loan, who should weigh Monzo Flex at 10% to 23%.
- Borrowers who want a second opinion on price, since Cashspace publishes PHP 12 to PHP 36 to set beside 3.25% to 14.3%.
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
Postbank
Current offer
Bonus
Tagesgeld new deposits action: 3.2% p.a. interest for 6 months
New deposits only, total Postbank savings balance must increase
Source, checked September 26, 2026
Bonus
Wertpapierdepot online opening credit: EUR 25 credit
Open a securities account online by 30 September 2026
Source, checked September 26, 2026
Country by country
| Country | Berliner Volksbank | Postbank |
|---|---|---|
| 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.
Postbank
What rate would I pay on a Postbank loan?+
Postbank quotes an APR of 3.25% to 14.3% on its direct private loan, which sits against a median of 12.25% for personal loans on this site. The rate is fixed (fixed) for the whole term, so the instalment you sign up for is the one you keep paying.
How much can I borrow and how long can I take to repay it?+
Borrowing runs from €3,000 to €80,000 with terms of 12 to 120, so a larger sum means a longer commitment. It is a direct lender arrangement (direct lender), which means your application sits with the bank rather than with a broker who passes details around.
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