Updated September 28, 2026 · BorrowCue Editorial Team
Cathay United Bank vs CHECK24
Cathay United Bank vs CHECK24: the differences
| Compare |  Cathay United Bank |  CHECK24 |
|---|---|---|
| APR | 1.88% | 0.68% to 19.92%Lower |
| Loan amount | NT$5,000,000 | €500 to €150,000 |
| Term | 84 months | 12 to 240 monthsHigher |
| Arrangement fee | Account management fee NT$9,000 for new personal loan cases | 0 EUR |
| Credit check | Hard | Soft prequal |
| Lender type | Direct lender | Broker |
| Loan types | Personal, Secured, Credit line | Personal, Debt consolidation |
| Funding time | Not confirmed | as little as 3 minutes at some banks, same day |
| Representative example | Not confirmed | Ratenkredit: net loan amount 20,000 EUR, 7 years (84 months), 5.39% effective annual rate, 5.26% fixed nominal rate p.a., monthly instalment 285.14 EUR, total amount 23,951.75 EUR, Openbank Deutschland AG (BestCredit) |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Use cases | Not confirmed | Home improvement |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Cathay United Bank scores higher overall: 9.6 vs 9.1.
- Founded is lower at Cathay United Bank: 1975 vs 1999.
- CHECK24 is available in 2 more countries.
- APR is lower at CHECK24: 0.68% to 19.92% vs 1.88%.
- Term is higher at CHECK24: 12 to 240 months vs 84 months.
- Features: only Cathay United Bank offers Credit line.
- Features: only CHECK24 offers Same day funding.
- Loan types: only Cathay United Bank offers Secured, Credit line.
- Loan types: only CHECK24 offers Debt consolidation.
Our verdict on each
Cathay United Bank
Cathay United Bank suits borrowers in Taiwan who want a large personal or secured loan from the lender itself, and it prices well against the field at an APR of 1.88%. The catch is the account management fee that comes with a new personal loan case.
CHECK24
CHECK24 suits German borrowers who would rather a broker shop fixed-rate loans for them. Personal loans and debt consolidation run 0.68% to 19.92%, with an origination fee of 0 EUR and terms of 12 to 240, while the home finance listings show an initial rate of 3.43%.
Score breakdown
| Area | Cathay United Bank | CHECK24 |
|---|---|---|
| Cost | 9.7HigherDirect lending at an APR of 1.88%, up to TWD 5,000,000, plus an account management fee on new personal loan cases. | 9.5 |
| Offer | 9.8Higher | 9.3Personal loan rates run 0.68% to 19.92% and some banks fund the same day, but a partner bank sets the final rate. |
| Trust | 9.4Higher | 8.7 |
Choosing between them
Pick Cathay United Bank if offer and trust matter most.
Pick CHECK24 if apr and term matter most.
Where each is licensed and available
| Country | Cathay United Bank | CHECK24 |
|---|---|---|
| Germany | Not confirmed | IHK fuer Muenchen und Oberbayern D-W-155-8YX4-05 |
Additional countries for Cathay United Bank: 1. Additional countries for CHECK24: 3.
A third option
CreditPlus UA has term at 345 to 365 months, against 84 months for Cathay United Bank and 12 to 240 months for CHECK24.
CreditPlus UA reviewHow they place
| Ranking | Cathay United Bank | CHECK24 |
|---|---|---|
| Personal loans | 236 of 1932 | 92 of 1932 |
| Mortgages | 28 of 719 | 11 of 719 |
| Remortgage deals | 15 of 351 | 10 of 351 |
Every fact side by side
| Fact | Cathay United Bank | CHECK24 |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Credit line | Same day funding |
| Legal entity | Cathay United Bank Co., Ltd. | CHECK24 Vergleichsportal Finanzen GmbH |
| Headquarters | Taiwan | Germany |
| Founded | 1975Lower | 1999 |
| Support channels | Email, Chat, Phone, Help centre | Phone, Email, Chat, Help centre |
Mortgages
| Fact | Cathay United Bank | CHECK24 |
|---|---|---|
| Initial rate | Not confirmed | 3.43% |
| APRC | Not confirmed | 3.5% |
| Fixed period | Not confirmed | 10 years |
| Maximum loan to value | Not confirmed | 66% |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | Cathay United Bank | CHECK24 | Median |
|---|---|---|---|
| APR | 1.88%lowest quarter | 0.68% to 19.92%lowest quarter | 8.99% |
| Term | 84 monthsabove the median | 12 to 240 monthshighest quarter | 60 months |
Median across 1005 listed lenders.
Pros and cons
Cathay United Bank
Pros
- Ranks 40 of 350 brands on APR, at 1.88%.
- Borrows up to TWD 5,000,000 for a purchase or a remortgage across a term of 84.
- Covers personal, secured and credit line lending under direct lender, so you deal with the bank rather than a broker.
Cons
- Every case runs a hard credit check, listed as hard.
- New personal loan cases carry an account management fee alongside a rate of 1.88%.
- A term of 84 runs well past the site median, which sits at 36.
CHECK24
Pros
- Origination fee of 0 EUR on personal loans, so an indicative quote does not cost you anything.
- Amounts run €500 to €150,000 with terms of 12 to 240, so a small bill and a larger project can both be spread.
- A soft prequalification check, soft prequal, shows indicative rates before any full credit check.
Cons
- The credit check listed is a soft prequalification, soft prequal, so a full check can still follow and the bank sets the final rate.
- Loan types stop at personal and debt consolidation and the maximum loan to value is 66%, so borrowers with little equity have less room on the home finance side.
- As a broker, broker, the offer comes from a partner bank, so the rate you end up with is that bank's rather than the site's.
Who each suits
Cathay United Bank
Who it suits
- Borrowers in Taiwan who want personal, secured or credit line lending from the lender itself rather than a broker.
- People buying or remortgaging a property, since purchase and remortgage cover both uses.
- Applicants ready for a hard credit check, given hard.
Who should look elsewhere
- Anyone who wants to draw a credit line in stages, since Monzo Flex prices its line at 10% to 23%.
- Borrowers after an app-first application, since Cashspace quotes a range of PHP 12 to PHP 36 on a single market.
- Anyone whose own market rate sits low, since Cashspace ES is listed at 0%.
CHECK24
Who it suits
- German borrowers who would rather a broker compare personal loans and debt consolidation loans than apply bank by bank.
- Anyone planning a purchase or remortgage, since the home finance listings show an initial rate of 3.43% and a fixed period of 10.
- Home improvement borrowers, since home improvement is the listed use case, home improvement.
Who should look elsewhere
- Monzo Flex, if you want one provider from first quote to final, since its rates run 10% to 23% with no broker in the middle.
- Cashspace, whose listed rates are PHP 12 to PHP 36 and sit in a different market from German fixed-rate loans.
- Cashspace ES, which shows a rate of 0% rather than the German range of 0.68% to 19.92%.
Current offers
CHECK24
Current offer
Bonus
Trikot-Deal bis 01.10. sichern: free jersey plus up to 400 EUR Smily cashback
on successful conclusion of a loan with selected banks by 01.10.; cashback depends on Smily level and loan amount
Source, checked September 26, 2026
Country by country
| Country | Cathay United Bank | CHECK24 |
|---|---|---|
| Austria | No | Yes |
| Germany | No | Yes |
| Spain | No | Yes |
| Taiwan | Yes | No |
Questions about each
Cathay United Bank
What rate does Cathay United Bank charge on a personal loan?+
The bank quotes an APR of 1.88% on its personal loan product, well below where most of the lenders on the site sit. The site median runs at 12%, so the gap is wide. Loans reach TWD 5,000,000 over a term of 84.
What fees come with a new personal loan?+
New personal loan cases pay an account management fee, alongside a rate of 1.88% on the product page. The published charge is written for new cases, so anyone already banking with the bank should check the current terms. Budget for the fee as well as the interest when you compare.
CHECK24
What does it cost to take a loan through CHECK24?+
On personal loans the origination fee is 0 EUR, and the rates quoted by partner banks run 0.68% to 19.92%, a wide spread because each bank prices risk differently. Instalment loans sit on a fixed rate, fixed, so the monthly figure holds for the term. Read the representative example before you sign.
Will applying damage my credit file?+
The credit check listed is a soft prequalification, soft prequal, which shows indicative rates before you commit to anything. A full check can still be required by the bank that makes the final offer, so treat the first figures as a guide rather than a deal.
Other options to compare
Other matchups
- Cathay United Bank vs Sofkredit
- Cathay United Bank vs Creduma ES
- Cathay United Bank vs Creditilia ES
- Cathay United Bank vs Lendela
- Cathay United Bank vs Commerzbank
- Cathay United Bank vs Postbank
- Cathay United Bank vs Berliner Volksbank
- Cathay United Bank vs MoneyHero
- Cathay United Bank vs Borrowell
- CHECK24 vs CitiBank AE