Updated September 28, 2026 · BorrowCue Editorial Team
CHECK24 vs Commerzbank
Where CHECK24 and Commerzbank differ
| Compare |  CHECK24 |  Commerzbank |
|---|---|---|
| APR | 0.68% to 19.92%Lower | 3.29% to 12.49% |
| Loan amount | €500 to €150,000Higher | €1,500 to €100,000 |
| Term | 12 to 240 monthsHigher | 6 to 119 months |
| Credit check | Soft prequal | Hard |
| Funding time | as little as 3 minutes at some banks, same day | Payout generally within 24 hours after the fully digital application and credit approval |
| Representative example | 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) | 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 |
| Lender type | Broker | Direct lender |
| Loan types | Personal, Debt consolidationCovers more | Personal |
| Arrangement fee | 0 EUR | Not confirmed |
| 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 |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed), Free early repayment (Yes).
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Key differences
- Commerzbank scores higher overall: 9.4 vs 9.1.
- Founded is lower at Commerzbank: 1870 vs 1999.
- CHECK24 is available in 2 more countries.
- APR is lower at CHECK24: 0.68% to 19.92% vs 3.29% to 12.49%.
- Loan amount is higher at CHECK24: €500 to €150,000 vs €1,500 to €100,000.
- Term is higher at CHECK24: 12 to 240 months vs 6 to 119 months.
- Support channels: only CHECK24 offers Chat.
- Loan types: only CHECK24 offers Debt consolidation.
Our verdict on each
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%.
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 | CHECK24 | Commerzbank |
|---|---|---|
| Cost | 9.5Higher | 9.4 |
| Offer | 9.3HigherPersonal loan rates run 0.68% to 19.92% and some banks fund the same day, but a partner bank sets the final rate. | 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 | 8.7 | 9.6Higher |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
CHECK24
105.18 to 3,364.22
105.18 to 3,364.22
Commerzbank
515.31 to 2,041.58
515.31 to 2,041.58
CHECK24 comes out 410.13 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where these facts come from
CHECK24
- kredit.check24.de: 12 facts, checked September 26, 2026
- check24.de: 6 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 | CHECK24 | Commerzbank |
|---|---|---|
| Personal loans | 92 of 1932 | 80 of 1932 |
| Mortgages | 11 of 719 | 8 of 719 |
| Remortgage deals | 10 of 351 | 8 of 351 |
Every fact side by side
| Fact | CHECK24 | Commerzbank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | CHECK24 Vergleichsportal Finanzen GmbH | Commerzbank Aktiengesellschaft |
| Headquarters | Germany | Germany |
| Founded | 1999 | 1870Lower |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone, Help centre |
Mortgages
| Fact | CHECK24 | Commerzbank |
|---|---|---|
| Initial rate | 3.43%Lower | 4.45% |
| APRC | 3.5%Lower | 4.54% |
| Fixed period | 10 years | 10 years |
| Maximum loan to value | 66%Higher | 60% |
| Purpose | Purchase, Remortgage | Purchase, Remortgage, Home equityCovers more |
Where each stands against the rest
| Fact | CHECK24 | Commerzbank | Median |
|---|---|---|---|
| APR | 0.68% to 19.92%lowest quarter | 3.29% to 12.49%lowest quarter | 8.99 |
| Loan amount | €500 to €150,000highest quarter | €1,500 to €100,000highest quarter | €40,000 |
| Term | 12 to 240 monthshighest quarter | 6 to 119 monthshighest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
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.
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
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%.
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
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
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 | CHECK24 | Commerzbank |
|---|---|---|
| Austria | Yes | No |
| Spain | Yes | No |
| Germany | Yes | Yes |
Questions about each
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.
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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