Updated September 28, 2026 · BorrowCue Editorial Team
Commercial Bank CBclick vs S-Pankki
Where Commercial Bank CBclick and S-Pankki differ
| Compare |  Commercial Bank CBclick |  S-Pankki |
|---|---|---|
| Loan amount | QAR 400,000 to QAR 2,000,000 | €5,000 to €50,000 |
| Term | 48 to 72 months | 12 to 144 monthsHigher |
| Arrangement fee | 0 QAR | 0 EUR |
| Eligibility | Qataris and expats in Qatar with a salary transfer; QID, valid passport for expats and a salary transfer letter required | S-Laina: at least 21 years old, Finnish personal identity code, permanently resident in Finland, regular gross income of at least 1 200 EUR per month, no registered payment defaults, existing S-Pankki customer with an S-Tili account |
| APR | Not confirmed | 25.005% |
| Credit check | Not confirmed | Hard |
| Funding time | Not confirmed | Paid to the account given in the application after signing the loan agreement; customers report it on the same day |
| Representative example | Not confirmed | S-Laina of 5 000 EUR over 12 months at the highest possible rate: monthly payment 469.24 EUR, 5 630.88 EUR paid in total |
| Rate type | Not confirmed | Variable |
| Credit needed | Not confirmed | Fair |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Direct lender), Free early repayment (Yes), Loan types (Personal).
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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 2006 to 2007.
- Term is higher at S-Pankki: 12 to 144 months vs 48 to 72 months.
- Support channels: only S-Pankki offers Help centre.
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.
S-Pankki
S-Pankki suits a Finnish borrower who wants to stretch a mortgage against as much of a property's value as possible and holds an account there. The trade-off is price: the mortgage starts at 3.6%, while the personal loan carries an APR of 25.005%.
Score breakdown
| Area | Commercial Bank CBclick | S-Pankki |
|---|---|---|
| Cost | 9.2Higher | 9.1Origination fee is 0 EUR and early repayment is free, but the S-Laina APR of 25.005% is high. |
| Offer | 8.9 | 9.1HigherA fixed stretch of 5 to 10 and a maximum loan to value of 95% suit buyers with limited deposits. |
| Trust | 9.4Higher | 8.9 |
What we checked
Commercial Bank CBclick
- cbq.com.qa: 11 facts, checked September 26, 2026
S-Pankki
- s-pankki.fi: 18 facts, checked September 26, 2026
- fi.wikipedia.org: 1 fact, checked September 26, 2026
How they place
| Ranking | Commercial Bank CBclick | S-Pankki |
|---|---|---|
| Personal loans | 395 of 1932 | 727 of 1932 |
| Mortgages | 110 of 719 | 262 of 719 |
| Remortgage deals | 78 of 351 | 190 of 351 |
| Equity release | 4 of 32 | 14 of 32 |
Every fact side by side
| Fact | Commercial Bank CBclick | S-Pankki |
|---|---|---|
| Features | Not confirmed | Credit line |
| Legal entity | The Commercial Bank (P.S.Q.C) | S-Pankki Oyj |
| Headquarters | Qatar | Finland |
| Founded | 1974Lower | 2006 to 2007 |
| Support channels | Phone | Phone, Help centreCovers more |
Mortgages
| Fact | Commercial Bank CBclick | S-Pankki |
|---|---|---|
| Initial rate | 3.45%Lower | 3.6% |
| APRC | Not confirmed | 3.8% |
| Fixed period | Not confirmed | 5 to 10 years |
| Maximum loan to value | 80% | 95%Higher |
| Product fee | Not confirmed | €300 |
| 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 | S-Pankki | Median |
|---|---|---|---|
| APR | Not confirmed | 25.005%highest quarter | 8.99% |
| Term | 48 to 72 monthsabove the median | 12 to 144 monthshighest quarter | 60 |
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.
S-Pankki
Pros
- A maximum loan to value of 95% lets a buyer stretch closer to the full value of the property.
- The mortgage initial rate of 3.6% sits well below Sofkredit's 8% to 14%.
- The rate is fixed for 5 to 10, so the monthly payment is known in advance.
Cons
- The S-Laina APR reaches 25.005% at the top of the range, and the representative example shows a total repaid well above the amount borrowed, so a slow repayment costs a lot of rate.
- The S-Laina rate is variable, so the payment can rise when the base rate moves and there is no fixed period to hold it steady.
- The credit search is hard, and only 20.4% of lenders on the site rely on a soft prequalification instead.
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.
S-Pankki
Who it suits
- A buyer with limited savings, since the maximum loan to value of 95% is what makes a small deposit workable.
- An existing S-Pankki customer: the S-Laina asks for an S-Tili account, a Finnish personal identity code, permanent residence in Finland and no registered payment defaults.
- A borrower who wants the rate held at 3.6% for 5 to 10 and then chooses again.
Who should look elsewhere
- Not for a reader shopping on the lowest headline rate: Prestalo lists 2.36% and Creditilia ES lists 4%, both under S-Pankki's 3.6%.
- Not for someone who needs a larger unsecured loan than the S-Laina amount of €5,000 to €50,000, or a lighter touch than a hard search.
- Not for a rate comparison that treats a wide range as more choice: Sofkredit's 8% to 14% sits far above S-Pankki's 3.6%, so that is the costlier direction to move in.
Current offers
S-Pankki
Current offer
Bonus
Mortgage without delivery fee: 0 EUR delivery fee (normally at least 300 EUR)
Valid for new mortgage applications made 14.9.-31.10.2026: first-home buyers, home movers and mortgage transfers to S-Pankki
Source, checked September 26, 2026
Country by country
| Country | Commercial Bank CBclick | S-Pankki |
|---|---|---|
| Finland | No | Yes |
| Qatar | Yes | No |
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.
S-Pankki
How much does a S-Laina cost to borrow?+
The quoted APR is 25.005%, which is the rate at the top of the range rather than the everyday price. The representative example shows the smallest loan over the shortest term paid at that highest rate, so the total repaid comes to clearly more than the amount borrowed. The origination fee is 0 EUR, so arranging the loan adds nothing to the first payment.
What does the mortgage cost in fees?+
The mortgage carries a product fee of €300, so unlike the S-Laina, where the origination fee is 0 EUR, taking out a home loan is not free to arrange. The annual percentage rate on the mortgage is 3.8%, which spreads the cost of borrowing over the fixed period rather than showing the headline rate alone.