Updated September 28, 2026 · BorrowCue Editorial Team
Commercial Bank CBclick vs Super Finance Markets
What sets them apart
| Compare |  Commercial Bank CBclick |  Super Finance Markets |
|---|---|---|
| Loan amount | QAR 400,000 to QAR 2,000,000 | A$100,000 to A$3,000,000 |
| Term | 48 to 72 monthsHigher | 3 to 24 months |
| Arrangement fee | 0 QAR | 0 AUD (no application fee) |
| Loan types | Personal | Business, Secured |
| APR | Not confirmed | 0.6% to 0.85% |
| Credit check | Not confirmed | None |
| Funding time | Not confirmed | Approval in 48 hours, funds disbursed in 10 business days |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Qataris and expats in Qatar with a salary transfer; QID, valid passport for expats and a salary transfer letter required | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Lender type (Direct lender).
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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 2018.
- Term is higher at Commercial Bank CBclick: 48 to 72 months vs 3 to 24 months.
- Support channels: only Super Finance Markets offers Email, Chat.
- Loan types: only Commercial Bank CBclick offers Personal.
- Loan types: only Super Finance Markets offers Business, Secured.
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.
Super Finance Markets
Super Finance Markets suits Australian borrowers who need secured or business lending and can manage a short term at a high stated cost of borrowing. It charges no application fee, but the rate of 0.6% to 0.85% means the repayment must be planned carefully, and any surplus on the deal is the borrower's own risk.
Score breakdown
| Area | Commercial Bank CBclick | Super Finance Markets |
|---|---|---|
| Cost | 9.2 | 9.7HigherAnnual cost of borrowing runs 0.6% to 0.85% with an application fee of 0 AUD (no application fee). |
| Offer | 8.9Higher | 8.5Purpose covers purchase, remortgage and equity release on fixed rates, with a term of 3 to 24 and no credit check. |
| Trust | 9.4Higher | 8.6 |
Positions in our rankings
| Ranking | Commercial Bank CBclick | Super Finance Markets |
|---|---|---|
| Mortgages | 110 of 719 | 268 of 719 |
| Remortgage deals | 78 of 351 | 194 of 351 |
| Equity release | 4 of 32 | 15 of 32 |
Where each is licensed and available
| Country | Commercial Bank CBclick | Super Finance Markets |
|---|---|---|
| Australia | Not confirmed | |
| Qatar | Not confirmed |
Additional countries for Commercial Bank CBclick: 1. Additional countries for Super Finance Markets: 1.
Every fact side by side
| Fact | Commercial Bank CBclick | Super Finance Markets |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Legal entity | The Commercial Bank (P.S.Q.C) | Super Finance Markets Pty Ltd |
| Headquarters | Qatar | Australia |
| Founded | 1974Lower | 2018 |
| Support channels | Phone | Email, Chat, PhoneCovers more |
Mortgages
| Fact | Commercial Bank CBclick | Super Finance Markets |
|---|---|---|
| Initial rate | 3.45% | 0.6%Lower |
| Fixed period | Not confirmed | 0.25 to 2 years |
| Maximum loan to value | 80%Higher | 75% |
| Product fee | Not confirmed | A$0 |
| Purpose | Purchase, Remortgage, First time buyer, Buy to let, Equity release | Purchase, Remortgage, Equity release, Home equity |
Where each stands against the rest
| Fact | Commercial Bank CBclick | Super Finance Markets | Median |
|---|---|---|---|
| APR | Not confirmed | 0.6% to 0.85%lowest quarter | 8.99 |
| Term | 48 to 72 monthsabove the median | 3 to 24 monthslowest 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.
Super Finance Markets
Pros
- No application fee at all, recorded as 0 AUD (no application fee)
- No credit check, and the lender caters to applicants with poor credit
- Fixed rates held for 0.25 to 2 keep the repayment predictable
Cons
- A cost of borrowing of 0.6% to 0.85% is high, so the monthly repayment needs checking against budget
- The term of 3 to 24 is short for a home loan
- The maximum loan to value of 75% sits below the 90% typical of the wider mortgage market
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.
Super Finance Markets
Who it suits
- Borrowers in Australia whose credit file is in poor shape
- Businesses needing a short fixed term loan
- Anyone covering 75% with equity who wants no application fee
Who should look elsewhere
- First time buyers, since the term runs 3 to 24
- Long term borrowers put off by the rate of 0.6% to 0.85%
Country by country
| Country | Commercial Bank CBclick | Super Finance Markets |
|---|---|---|
| Australia | 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.
Super Finance Markets
What rate does Super Finance Markets charge?+
The cost of borrowing is 0.6% to 0.85%, and the initial rate is 0.6%. The 0.6% to 0.85% figure is the one to plan around, since it reflects the full cost of the credit rather than a headline offer. Payments sit on a fixed rate for 0.25 to 2.
Are there any fees to open the loan?+
The application fee is 0 AUD (no application fee), so nothing is charged for taking an application forward. There is also a product fee recorded on the same terms, which keeps the upfront cost minimal. The ongoing cost of borrowing of 0.6% to 0.85% is the part that shapes the repayment.