Updated September 28, 2026 · BorrowCue Editorial Team
Commerzbank vs Creditilia ES
Where Commerzbank and Creditilia ES differ
| Compare |  Commerzbank |  Creditilia ES |
|---|---|---|
| APR | 3.29% to 12.49%Lower | 4% to 289% |
| Loan amount | €1,500 to €100,000Higher | €500 to €50,000 |
| Term | 6 to 119 monthsHigher | 3 to 96 months |
| Funding time | Payout generally within 24 hours after the fully digital application and credit approval | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes |
| Representative example | 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 | EUR 5,000 loan over 60 months at fixed 4% annual rate (4.12% TAE), monthly payment EUR 92.08, total repayable EUR 5,524.96, no opening, study or early repayment fee |
| Lender type | Direct lender | Marketplace |
| Eligibility | 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 | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) |
| Loan types | Personal | Personal, Payday, Debt consolidation, Business, Guarantor, CarCovers more |
| Arrangement fee | Not confirmed | EUR 0 - no opening, study or early repayment fee |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Rate type (Fixed), Free early repayment (Yes).
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Key differences
- Commerzbank scores higher overall: 9.4 vs 8.7.
- APR is lower at Commerzbank: 3.29% to 12.49% vs 4% to 289%.
- Loan amount is higher at Commerzbank: €1,500 to €100,000 vs €500 to €50,000.
- Term is higher at Commerzbank: 6 to 119 months vs 3 to 96 months.
- Support channels: only Commerzbank offers Phone, Help centre.
- Loan types: only Creditilia ES offers Payday, Debt consolidation, Business.
Our verdict on each
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.
Creditilia ES
Creditilia ES is a Spanish loan marketplace that suits borrowers who want a quick answer and no upfront or exit fee, and who will accept a rate decided by whichever partner lender they are matched with. Its annual rate runs 4% to 289%, so the final price can sit far above 12%.
Score breakdown
| Area | Commerzbank | Creditilia ES |
|---|---|---|
| Cost | 9.4 | 9.4Fees of EUR 0 - no opening, study or early repayment fee and free early repayment, against an annual rate running 4% to 289%. |
| Offer | 9.2HigherDirect lender offering personal loans at 3.29% to 12.49%, terms of 6 to 119 and free early repayment on the instalment product. | 8.5 |
| Trust | 9.6Higher | 8.1 |
How they place
| Ranking | Commerzbank | Creditilia ES |
|---|---|---|
| Personal loans | 80 of 1932 | 51 of 1932 |
| Mortgages | 8 of 719 | 4 of 719 |
| Remortgage deals | 8 of 351 | 4 of 351 |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
Commerzbank
515.31 to 2,041.58
515.31 to 2,041.58
Creditilia ES
628.63 to 76,736.69
628.63 to 76,736.69
Commerzbank comes out 113.32 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.
Every fact side by side
| Fact | Commerzbank | Creditilia ES |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Commerzbank Aktiengesellschaft | The Way Media Marketing & Digital Services SL (NIF B44789139) |
| Headquarters | Germany | Spain |
| Founded | 1870 | Not confirmed |
| Support channels | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Commerzbank | Creditilia ES |
|---|---|---|
| Initial rate | 4.45% | 4%Lower |
| APRC | 4.54% | 4.12%Lower |
| Fixed period | 10 yearsHigher | 5 years |
| Maximum loan to value | 60% | Not confirmed |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage, Home equityCovers more | Purchase, Remortgage |
Where each stands against the rest
| Fact | Commerzbank | Creditilia ES | Median |
|---|---|---|---|
| APR | 3.29% to 12.49%lowest quarter | 4% to 289%lowest quarter | 8.99 |
| Loan amount | €1,500 to €100,000highest quarter | €500 to €50,000above the median | €40,000 |
| Term | 6 to 119 monthshighest quarter | 3 to 96 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
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.
Creditilia ES
Pros
- Fees of EUR 0 - no opening, study or early repayment fee on the personal, payday, consolidation, business, guarantor and car loans, and free early repayment, so clearing a balance ahead of schedule costs nothing.
- Offers are shown immediately with an answer within a day, and same day funding is listed as a feature (same day funding).
- Pricing is fixed: the rate type is fixed and the model is fixed rate, so the monthly payment holds for the whole term.
Cons
- Creditilia ES is a marketplace, so the rate is set by the partner lender you are matched with rather than published as one figure, and the range it quotes runs 4% to 289%.
- The top of that range is punishing, sitting far above the 12% median across the market, so a poor credit profile can land you at the wrong end of it.
- Applications use a hard credit search (hard), which leaves a full mark on your file rather than a soft prequalification.
Who each suits
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.
Creditilia ES
Who it suits
- Residents of Spain with an imperfect credit history who need an answer fast and can live with a price set by a partner lender.
- Borrowers who expect to clear a loan ahead of schedule, since free early repayment applies and the fee line leaves nothing to negotiate.
- People weighing a short or a long term, because terms of 3 to 96 sit either side of the 36 month median across the market.
Who should look elsewhere
- Anyone who wants a single published rate at application: Monzo Flex quotes an APR of 10% to 23%, a far narrower band than the 4% to 289% range carried here.
- Borrowers hunting a lower headline cost: Cashspace ES lists an APR of 0%, against a range that runs 4% to 289% on this marketplace.
Current offers
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 | Commerzbank | Creditilia ES |
|---|---|---|
| Germany | Yes | No |
| Spain | No | Yes |
Questions about each
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.
Creditilia ES
What rate will I actually pay?+
Creditilia ES is a marketplace, so the rate is set by the partner lender you are matched with rather than published as one number. The site quotes an annual rate of 4% to 289%, a wide band, and the median across the market is 12%. Treat the lower end as a possibility and plan your budget around the rest.
What does it cost to take out a loan?+
There is no charge for taking the loan out. The fee line reads EUR 0 - no opening, study or early repayment fee, so no opening fee, no study fee and no early repayment charge applies to the personal, payday, consolidation, business, guarantor and car loans listed. What you pay is interest, at a rate that runs 4% to 289%.
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