Updated September 29, 2026 · BorrowCue Editorial Team
CHECK24 vs Postbank
Where CHECK24 and Postbank differ
| Compare |  CHECK24 |  Postbank |
|---|---|---|
| APR | 0.68% to 19.92%Lower | 3.25% to 14.3% |
| Loan amount | €500 to €150,000Higher | €3,000 to €80,000 |
| Term | 12 to 240 monthsHigher | 12 to 120 months |
| Credit check | Soft prequal | Hard |
| Funding time | as little as 3 minutes at some banks, same day | A few days: review normally takes two business days, plus a few days until the money arrives |
| 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) | 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 |
| Loan types | Personal, Debt consolidation | Personal, Debt consolidation, CarCovers more |
| Arrangement fee | 0 EUR | Not confirmed |
| Eligibility | Not confirmed | At least 18 years old and regular salary, wage or pension payments of sufficient amount; creditworthiness required |
| Credit needed | Not confirmed | Poor |
Same on both: 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.
- CHECK24 is available in 2 more countries.
- APR is lower at CHECK24: 0.68% to 19.92% vs 3.25% to 14.3%.
- Loan amount is higher at CHECK24: €500 to €150,000 vs €3,000 to €80,000.
- Term is higher at CHECK24: 12 to 240 months vs 12 to 120 months.
- Support channels: only CHECK24 offers Chat.
- Loan types: only Postbank offers Car.
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%.
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 | CHECK24 | Postbank |
|---|---|---|
| Cost | 9.5Higher | 9.4 |
| Offer | 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. | 9.3Breadth of the offer: €3,000 to €80,000 across 12 to 120, fixed rate with early repayment free. |
| Trust | 8.7 | 9.2Higher |
Positions in our rankings
| Ranking | CHECK24 | Postbank |
|---|---|---|
| Personal loans | 92 of 1932 | 85 of 1932 |
| Debt consolidation loans | 35 of 425 | 31 of 425 |
| Mortgages | 11 of 719 | 10 of 719 |
| Remortgage deals | 10 of 351 | 9 of 351 |
| Home improvement loans | 41 of 562 | 37 of 562 |
Every fact side by side
| Fact | CHECK24 | Postbank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | CHECK24 Vergleichsportal Finanzen GmbH | Postbank, a branch of Deutsche Bank AG |
| Headquarters | Germany | Germany |
| Founded | 1999 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone, Help centre |
Mortgages
| Fact | CHECK24 | Postbank |
|---|---|---|
| Initial rate | 3.43% | Not confirmed |
| APRC | 3.5% | Not confirmed |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 66% | Not confirmed |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | CHECK24 | Postbank | Median |
|---|---|---|---|
| APR | 0.68% to 19.92%lowest quarter | 3.25% to 14.3%lowest quarter | 8.99 |
| Loan amount | €500 to €150,000highest quarter | €3,000 to €80,000highest quarter | €40,000 |
| Term | 12 to 240 monthshighest quarter | 12 to 120 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.
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
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%.
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
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
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 | CHECK24 | Postbank |
|---|---|---|
| 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.
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.