Updated September 28, 2026 · BorrowCue Editorial Team
Commercial Bank CBclick vs Optimise
Commercial Bank CBclick vs Optimise: the differences
| Compare |  Commercial Bank CBclick |  Optimise |
|---|---|---|
| Loan amount | QAR 400,000 to QAR 2,000,000 | £10,000 to £500,000 |
| Term | 48 to 72 months | 36 to 360 monthsHigher |
| Arrangement fee | 0 QAR | No upfront fees; broker fee added on completion (up to 12.5% of secured loan) |
| Lender type | Direct lender | Broker |
| Eligibility | Qataris and expats in Qatar with a salary transfer; QID, valid passport for expats and a salary transfer letter required | Homeowners (mortgaged or own outright); employed, self-employed, retired or benefits-based incomes; all credit scores considered |
| Loan types | Personal | Secured, Personal, Debt consolidation, Business, BridgingCovers more |
| APR | Not confirmed | 9.49% to 12.6% |
| Credit check | Not confirmed | Soft prequal |
| Funding time | Not confirmed | Funds typically released within two weeks |
| Representative example | Not confirmed | Borrow 30,000 over 180 months at 9.25% fixed for 5 years then 9.75% variable; 12.6% APRC, total payable 64,878.60 incl. broker fee 3,750 and lender fee 600 |
| Rate type | Not confirmed | Variable |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 0% to 12.5% |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Commercial Bank CBclick scores higher overall: 9.2 vs 9.0.
- Founded is lower at Commercial Bank CBclick: 1974 vs 2009.
- Term is higher at Optimise: 36 to 360 months vs 48 to 72 months.
- Support channels: only Optimise offers Email.
- Loan types: only Optimise offers Secured, Debt consolidation, Business.
Our verdict on each
Commercial Bank CBclick
Commercial Bank CBclick suits salaried residents of Qatar who can transfer salary to the bank and want a large personal loan rather than a small one. Borrowing runs QAR 400,000 to QAR 2,000,000 over 48 to 72, early repayment is free, and the origination fee is 0 QAR.
Optimise
Optimise is a UK broker for property-backed lending, built for homeowners whether mortgaged or owning outright, and for borrowers with a poorer credit history. Borrowing of £10,000 to £500,000 is available at 9.49% to 12.6% APR, with terms of 36 to 360, though a broker fee of 0% to 12.5% can be added on completion.
Score breakdown
| Area | Commercial Bank CBclick | Optimise |
|---|---|---|
| Cost | 9.2 | 9.2 |
| Offer | 8.9 | 9.3HigherOffer strength comes from a secured loan with soft prequalification at soft prequal, so property carries the risk instead of a hard credit check. |
| Trust | 9.4Higher | 8.6 |
Availability and regulation
| Country | Commercial Bank CBclick | Optimise |
|---|---|---|
| Qatar | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority 724841 Information Commissioner's Office Z1952834 |
Additional countries for Commercial Bank CBclick: 1. Additional countries for Optimise: 1.
Where they rank in our lists
| Ranking | Commercial Bank CBclick | Optimise |
|---|---|---|
| Personal loans | 395 of 1932 | 691 of 1932 |
| Mortgages | 110 of 719 | 248 of 719 |
| Remortgage deals | 78 of 351 | 177 of 351 |
| Equity release | 4 of 32 | 13 of 32 |
What each covers
| Loan types | Commercial Bank CBclick | Optimise |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Secured | No | Yes |
| Business | No | Yes |
| Bridging | No | Yes |
Where these facts come from
Commercial Bank CBclick
- cbq.com.qa: 11 facts, checked September 26, 2026
Optimise
- optimisefinance.co.uk: 19 facts, checked September 26, 2026
Every fact side by side
| Fact | Commercial Bank CBclick | Optimise |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Legal entity | The Commercial Bank (P.S.Q.C) | Optimise Finance |
| Headquarters | Qatar | United Kingdom |
| Founded | 1974Lower | 2009 |
| Support channels | Phone | Email, PhoneCovers more |
Mortgages
| Fact | Commercial Bank CBclick | Optimise |
|---|---|---|
| Initial rate | 3.45%Lower | 6.59% to 26.3% |
| APRC | Not confirmed | 12.6% |
| Fixed period | Not confirmed | 5 years |
| Maximum loan to value | 80% | Not confirmed |
| Product fee | Not confirmed | £3,750 |
| Purpose | Purchase, Remortgage, First time buyer, Buy to let, Equity release | Purchase, Remortgage, First time buyer, Buy to let, Equity release |
Where each stands against the rest
| Fact | Commercial Bank CBclick | Optimise | Median |
|---|---|---|---|
| APR | Not confirmed | 9.49% to 12.6%above the median | 8.99 |
| Term | 48 to 72 monthsabove the median | 36 to 360 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 0% to 12.5%below the median | 0.25 |
Median across 1005 listed lenders.
Pros and cons
Commercial Bank CBclick
Pros
- Loan sizes of QAR 400,000 to QAR 2,000,000 are substantial, with repayment terms of 48 to 72.
- Early repayment is free, so clearing the balance sooner adds no charge.
- The origination fee on a new personal loan is 0 QAR.
Cons
- Support runs on phone only, so there is no listed chat or email route.
- The lending is personal only, so there is no credit line or debt consolidation product here.
- Every applicant needs a salary transfer, a QID and, for expats, a valid passport, which narrows who can qualify.
Optimise
Pros
- Loans of £10,000 to £500,000 at 9.49% to 12.6% APR, with terms running 36 to 360.
- A fixed rate for 5 before the pricing changes, which suits planned work.
- Every credit score is considered, and the credit profile that fits is poor, so a thinner file is still workable.
Cons
- A broker fee of 0% to 12.5% is added on completion, so the total cost sits above the quoted rate alone.
- The eligibility criteria cover property owners, mortgaged or outright, which narrows the pool of applicants considerably.
- Money moves slowly: Funds typically released within two weeks, so this is no route to funds in the same week.
Who each suits
Commercial Bank CBclick
Who it suits
- Borrowers after a large one-off sum repaid over a long term rather than a small top-up.
- Homebuyers, movers and first-time buyers, since its mortgage book covers purchase, remortgage and first time buyer with a maximum loan to value of 80%.
Who should look elsewhere
- Monzo Flex, if you want sterling borrowing of £10,000 to £35,000 rather than a salary-transfer loan in Qatar.
- Cashspace, if the sum you need sits near PHP 500 to PHP 25,000 instead of the QAR 400,000 to QAR 2,000,000 range here.
- Cashspace ES, if a euro loan of €100 to €5,000 is the better fit for you.
Optimise
Who it suits
- Homeowners with a mortgage or a home owned outright, funding home improvement work.
- Borrowers whose credit profile is poor, since all credit scores are considered.
- Employed, self-employed, retired and benefits-based earners in the UK.
Who should look elsewhere
- Renters and first-time buyers with nothing to pledge: eligibility is limited to homeowners who are mortgaged or own outright.
- Borrowers chasing a quick fix, because Funds typically released within two weeks sets the wait.
- Readers who want a lender's own rate table: Monzo Flex publishes 10% to 23% directly, an easy side by side check.
Country by country
| Country | Commercial Bank CBclick | Optimise |
|---|---|---|
| Qatar | Yes | No |
| United Kingdom | No | Yes |
Questions about each
Commercial Bank CBclick
What does a Commercial Bank CBclick personal loan cost?+
The origination fee on a new personal loan is 0 QAR, so the setup charge is the main published fee. Mortgage campaigns are marketed at an initial rate of 3.45%. Because early repayment is free, settling the balance ahead of schedule does not add a charge either.
How much can I borrow and over what term?+
Personal loans run QAR 400,000 to QAR 2,000,000 and are repaid over 48 to 72, a long term on a single lump sum. The lower end sits well above the €114.37 recorded for personal loans across the site, so this targets larger sums than a typical personal loan.
Optimise
What rate will I pay, and what does the APR include?+
Advertised rates run 9.49% to 12.6% APR, and the worked example is shown at 12.6% APRC. The APRC is the figure that folds in the broker and lender fees, so it is the better number to compare, while the rate itself is what drives the monthly payment.
Is there an arrangement fee or upfront charge?+
There are no upfront fees. What you pay is a broker fee added on completion of 0% to 12.5%, plus lender fees, and the homeowner loans page quotes a product fee of £3,750. The cost does not appear in your first payment, so the completion stage is where it lands.