Updated September 29, 2026 · BorrowCue Editorial Team
Cashtero vs Postbank
What sets them apart
| Compare | Cashtero ReviewVisitVisit |  Postbank |
|---|---|---|
| APR | 0% to 365%Lower | 3.25% to 14.3% |
| Loan amount | PLN 100 to PLN 100,000 | €3,000 to €80,000 |
| Term | 2 to 3 months | 12 to 120 monthsHigher |
| Funding time | 15 minutes to 24 hours after approval | A few days: review normally takes two business days, plus a few days until the money arrives |
| Representative example | Loan of 3000 PLN over 10 months: granting commission 0.00 PLN, operating commission 572.36 PLN, interest 259.47 PLN, total repayable 3831.83 PLN, APR 68.26%, 10 instalments | 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 | Adult Polish citizen aged 18 to 80 with permanent residence in Poland, a Polish bank account, mobile phone number and e-mail address | At least 18 years old and regular salary, wage or pension payments of sufficient amount; creditworthiness required |
| Loan types | Personal, Payday | Personal, Debt consolidation, Car |
| Arrangement fee | 0 PLN | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Credit check (Hard), Free early repayment (Yes), Credit needed (Poor), Use cases (Home improvement).
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Key differences
- Postbank scores higher overall: 9.3 vs 8.7.
- Cashtero is available in 2 more countries.
- APR is lower at Cashtero: 0% to 365% vs 3.25% to 14.3%.
- Term is higher at Postbank: 12 to 120 months vs 2 to 3 months.
- Support channels: only Postbank offers Phone.
- Loan types: only Cashtero offers Payday.
- Loan types: only Postbank offers Debt consolidation, Car.
Our verdict on each
Cashtero
Cashtero suits Polish adults with poor credit who need a small personal or payday loan, with money landing 15 minutes to 24 hours after approval once approval comes through. Cost is the catch, and the 0% to 365% range is where the price risk sits on a loan repaid this quickly.
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 | Cashtero | Postbank |
|---|---|---|
| Cost | 9.5HigherShort terms of 2 to 3 leave charges and interest to carry the cost, with 0% of the amount as commission. | 9.4 |
| Offer | 8.3 | 9.3HigherBreadth of the offer: €3,000 to €80,000 across 12 to 120, fixed rate with early repayment free. |
| Trust | 8.3 | 9.2Higher |
Where they rank in our lists
| Ranking | Cashtero | Postbank |
|---|---|---|
| Personal loans | 129 of 1920 | 85 of 1920 |
| Loans for bad credit | 68 of 276 | 48 of 276 |
| Home improvement loans | 61 of 562 | 37 of 562 |
From lowest to highest
| Fact | Cashtero | Postbank |
|---|---|---|
| APR | 0% to 365% | 3.25% to 14.3% |
| Term | 2 to 3 months | 12 to 120 months |
What each covers
| Loan types | Cashtero | Postbank |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | No | Yes |
| Car | No | Yes |
| Use cases | Cashtero | Postbank |
|---|---|---|
| Home improvement | Yes | Yes |
Where each is licensed and available
| Country | Cashtero | Postbank |
|---|---|---|
| Germany | Not confirmed |
Available in 1 country for both. Additional countries for Cashtero: 2.
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 365% for Cashtero and 3.25% to 14.3% for Postbank.
FINANZCHECK.de reviewEvery fact side by side
| Fact | Cashtero | Postbank |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | Finceptiv OÜ | Postbank, a branch of Deutsche Bank AG |
| Headquarters | Estonia | Germany |
| Support channels | Email, Help centre | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Cashtero | Postbank |
|---|---|---|
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Cashtero | Postbank | Median |
|---|---|---|---|
| APR | 0% to 365%lowest quarter | 3.25% to 14.3%lowest quarter | 8.99 |
| Term | 2 to 3 monthslowest quarter | 12 to 120 monthshighest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1152 listed lenders.
Pros and cons
Cashtero
Pros
- Fast payout: 15 minutes to 24 hours after approval after approval, and same day funding is on offer.
- Early repayment is free, so clearing the balance early adds nothing.
- Origination fees of 0 PLN mean no upfront charge to budget for.
Cons
- 0% to 365% reaches well past the 12% site median.
- In the representative example, the operating commission outweighs the interest, and the total repayable sits far above the sum borrowed.
- A phone line is not among its support channels (email and help centre), so help runs by e-mail or through the help centre.
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
Cashtero
Who it suits
- Adults with permanent residence in Poland, a Polish bank account, a mobile number and an e-mail address.
- Borrowers with poor credit who can clear a personal and payday loan early without charge.
- Anyone funding home improvement work who needs the cash the same day.
Who should look elsewhere
- Monzo Flex, where 10% to 23% is a far lighter rate band than 0% to 365% for a borrower with a good credit file.
- Cashspace, quoted at PHP 12 to PHP 36 in a different currency, which does not answer a Polish borrower's need.
- Cashspace ES, whose 0% rate is too different from 0% to 365% to serve as a price comparison.
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
Cashtero
Current offer
First period offer
First loan interest-free, repay within 61 days: 0% interest on the first loan for new customers
New customers only, loan must be repaid within 61 days
Source, checked September 26, 2026
First period offer
First loan interest-free, repay within 31 days: 0% interest on the first loan
First loan, repay within 31 days
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 | Cashtero | Postbank |
|---|---|---|
| Poland | Yes | No |
| Romania | Yes | No |
| Germany | Yes | Yes |
Questions about each
Cashtero
How much can I borrow from Cashtero?+
Borrowing runs from PLN 100 to PLN 100,000, and personal and payday are both on offer, personal or payday. The ceiling sits far above the €3,100.39 amount most applications take, so size alone is not the limit. What matters is the 0% to 365% attached to the balance you ask for.
What interest will I pay?+
Rates are wide: 0% to 365%, which reaches well past the 12% median APR across the site. The rate offered depends on the lender Cashtero pairs you with, so the same balance can price very differently between offers. Treat the top of the range as the realistic worst case.
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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