Updated September 28, 2026 · BorrowCue Editorial Team
Cathay United Bank vs Commerzbank
What sets them apart
| Compare |  Cathay United Bank |  Commerzbank |
|---|---|---|
| APR | 1.88%Lower | 3.29% to 12.49% |
| Loan amount | NT$5,000,000 | €1,500 to €100,000 |
| Term | 84 months | 6 to 119 monthsHigher |
| Loan types | Personal, Secured, Credit lineCovers more | Personal |
| Arrangement fee | Account management fee NT$9,000 for new personal loan cases | Not confirmed |
| Funding time | Not confirmed | Payout generally within 24 hours after the fully digital application and credit approval |
| Representative example | Not confirmed | Ratenkredit legally required representative example: effective annual rate 6.64% p.a., fixed nominal rate 6.45% p.a., term 60 months, net loan amount EUR 10,000, 60 monthly instalments of EUR 195.41, total EUR 11,724.55 |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Eligibility | Not confirmed | At least 18 years old, fixed residence in Germany, current account at a German bank receiving salary or pension, statutory credit check with a Schufa report free of negative entries; private purposes only, not for the self-employed |
Same on both: Credit check (Hard), Lender type (Direct lender).
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Key differences
- Cathay United Bank scores higher overall: 9.6 vs 9.4.
- Founded is lower at Commerzbank: 1870 vs 1975.
- APR is lower at Cathay United Bank: 1.88% vs 3.29% to 12.49%.
- Term is higher at Commerzbank: 6 to 119 months vs 84 months.
- Support channels: only Cathay United Bank offers Chat.
- Features: only Cathay United Bank offers Credit line.
- Features: only Commerzbank offers Same day funding.
- Loan types: only Cathay United Bank offers Secured, Credit line.
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.
Commerzbank
Commerzbank suits German salaried employees and pensioners with a clean Schufa record who want a fixed-rate instalment loan from a bank they already hold an account with. Interest runs at 3.29% to 12.49% on amounts of €1,500 to €100,000, and payout generally lands within a day of approval.
Score breakdown
| Area | Cathay United Bank | Commerzbank |
|---|---|---|
| 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. | 9.4 |
| Offer | 9.8Higher | 9.2Direct lender offering personal loans at 3.29% to 12.49%, terms of 6 to 119 and free early repayment on the instalment product. |
| Trust | 9.4 | 9.6Higher |
Choosing between them
Pick Cathay United Bank if cost, offer, apr, and loan types matter most.
Pick Commerzbank if term matter most.
Side by side, item by item
| Loan types | Cathay United Bank | Commerzbank |
|---|---|---|
| Personal | Yes | Yes |
| Credit line | Yes | No |
| Secured | Yes | No |
Sources behind this comparison
Cathay United Bank
- cathaybk.com.tw: 12 facts, checked September 26, 2026
Commerzbank
- commerzbank.de: 16 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
How they place
| Ranking | Cathay United Bank | Commerzbank |
|---|---|---|
| Personal loans | 236 of 1932 | 80 of 1932 |
| Mortgages | 28 of 719 | 8 of 719 |
| Remortgage deals | 15 of 351 | 8 of 351 |
Every fact side by side
| Fact | Cathay United Bank | Commerzbank |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Credit line | Same day funding |
| Legal entity | Cathay United Bank Co., Ltd. | Commerzbank Aktiengesellschaft |
| Headquarters | Taiwan | Germany |
| Founded | 1975 | 1870Lower |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Phone, Help centre |
Mortgages
| Fact | Cathay United Bank | Commerzbank |
|---|---|---|
| Initial rate | Not confirmed | 4.45% |
| APRC | Not confirmed | 4.54% |
| Fixed period | Not confirmed | 10 years |
| Maximum loan to value | Not confirmed | 60% |
| Purpose | Purchase, Remortgage | Purchase, Remortgage, Home equityCovers more |
Where each stands against the rest
| Fact | Cathay United Bank | Commerzbank | Median |
|---|---|---|---|
| APR | 1.88%lowest quarter | 3.29% to 12.49%lowest quarter | 8.99% |
| Term | 84 monthsabove the median | 6 to 119 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.
Commerzbank
Pros
- You deal with a direct lender, so the bank sets the rate and funds the loan with no broker in between.
- Installments run at 3.29% to 12.49% on a fixed basis, and early repayment is free.
- Payout generally lands within a day once a fully digital application is approved, and the loan carries same day funding.
Cons
- The credit check is hard: hard, and eligibility wants a Schufa report free of negative entries.
- Lending covers private purposes and personal loans only, so the self-employed are excluded.
- Support runs on email, phone and help centre only.
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%.
Commerzbank
Who it suits
- Adults living in Germany permanently whose salary or pension is paid into a current account at a German bank.
- Borrowers happy with one fixed rate for the whole term who can clear the balance early at no extra cost.
- Homebuyers and remortgagers who can live with a maximum loan to value of 60%.
Who should look elsewhere
- Self-employed applicants, as the instalment loan is for private purposes only.
- Borrowers chasing the lowest headline rate: Cashspace ES shows 0% and Monzo Flex 10% to 23%, but neither is a German bank loan for residents here.
Current offers
Commerzbank
Current offer
Bonus
Automatic individual rate advantage on Ratenkredit for free use concluded online or in the app: 0.01% to 0.6% p.a. lower rate
Valid until further notice; only for Ratenkredite zur freien Verfügung concluded via the online application or app; contracts via comparison portals excluded; amount depends on term and creditworthiness
Source, checked September 26, 2026
Country by country
| Country | Cathay United Bank | Commerzbank |
|---|---|---|
| Germany | 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.
Commerzbank
What interest rate do I pay on a Commerzbank instalment loan?+
The instalment loan is fixed-rate, so fixed rates of 3.29% to 12.49% apply for the whole term. The legally required representative example also sets out the effective annual rate, the nominal rate, the term, the net amount borrowed, the monthly instalment and the total repaid, which makes the real cost easy to check before applying.
How much can I borrow, and over what term?+
Amounts run €1,500 to €100,000 on the instalment loan, and the term runs 6 to 119. You repay in fixed monthly instalments, so a longer term lowers each payment but raises the total repaid, while a shorter term does the opposite.
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