Updated September 29, 2026 · BorrowCue Editorial Team
Commerzbank vs Creduma ES
Commerzbank vs Creduma ES: the differences
| Compare |  Commerzbank |  Creduma ES |
|---|---|---|
| Loan amount | €1,500 to €100,000 | from €12,000 |
| Credit check | Hard | Soft prequal |
| Funding time | Payout generally within 24 hours after the fully digital application and credit approval | Offer in under 24 hours; money in the account in 7 days after signing |
| Lender type | Direct lender | Broker |
| 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 | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) |
| Loan types | Personal | Secured, Debt consolidation |
| APR | 3.29% to 12.49% | Not confirmed |
| Term | 6 to 119 months | Not confirmed |
| Arrangement fee | Not confirmed | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained |
| 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 | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Poor |
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Key differences
- Commerzbank scores higher overall: 9.4 vs 8.7.
- Loan types: only Commerzbank offers Personal.
- Loan types: only Creduma ES offers Secured, Debt consolidation.
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.
Creduma ES
Creduma suits adults living in Spain who own property to pledge as collateral and prefer broker guidance through secured borrowing. Loans sit at from €12,000 with a rapid initial offer followed by payout after a waiting period after signing for debt consolidation needs.
Score breakdown
| Area | Commerzbank | Creduma ES |
|---|---|---|
| Cost | 9.4 | Not confirmed |
| 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. | 9.1Offer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity |
| Trust | 9.6Higher | 8.4Trust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES |
Where each is licensed and available
| Country | Commerzbank | Creduma ES |
|---|---|---|
| Germany | Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin) BAK Nr. 100005 | Not confirmed |
Additional countries for Commerzbank: 1. Additional countries for Creduma ES: 1.
What each covers
| Loan types | Commerzbank | Creduma ES |
|---|---|---|
| Personal | Yes | No |
| Debt consolidation | No | Yes |
| Secured | No | Yes |
How they place
| Ranking | Commerzbank | Creduma ES |
|---|---|---|
| Mortgages | 8 of 719 | 3 of 719 |
| Remortgage deals | 8 of 351 | 3 of 351 |
| Home equity loans and HELOCs | 3 of 110 | 2 of 110 |
Every fact side by side
| Fact | Commerzbank | Creduma ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | Commerzbank Aktiengesellschaft | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1870 | Not confirmed |
| Support channels | Email, Phone, Help centre | Not confirmed |
Mortgages
| Fact | Commerzbank | Creduma ES |
|---|---|---|
| Initial rate | 4.45% | Not confirmed |
| APRC | 4.54% | Not confirmed |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 60% | Not confirmed |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage, Home equityCovers more | Remortgage, Home equity |
Where each stands against the rest
| Fact | Commerzbank | Creduma ES | Median |
|---|---|---|---|
| APR | 3.29% to 12.49%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €1,500 to €100,000highest quarter | from €12,000below the median | €40,000 |
| Term | 6 to 119 monthshighest quarter | Not confirmed | 60 |
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.
Creduma ES
Pros
- Free upfront handling through €0, with charges only where a solution is obtained
- Soft prequalification through soft prequal limits early credit footprint during comparison
- Access for poor credit profiles under poor where property equity supports the request
Cons
- Broker handling under broker adds an intermediary step compared with borrowing directly from Fidea
- Support runs on email and phone only, which limits choice for borrowers who prefer live chat help
- Loan scope stays within secured and debt consolidation, so unsecured borrowing is outside the model
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.
Creduma ES
Who it suits
- Adults in Spain who own residential property and seek secured consolidation beyond the modest limits at AXI Card Tarjeta y Credito
- Borrowers with poor credit seeking broker help, where property backing may open options unavailable from Ibancar Prestamos
Who should look elsewhere
- Borrowers without property to pledge, where Fidea may offer more flexible unsecured routes
- Borrowers seeking small short term credit, where AXI Card Tarjeta y Credito lists loans of up to €1,500
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
Creduma ES
Current offer
Discount code
Free financial case study (estudio gratuito): 0 EUR, no upfront payment
Prequalification study with no commitment; fees are only charged if a real solution is obtained, with no advance commissions or initial payments
Source, checked September 26, 2026
Country by country
| Country | Commerzbank | Creduma 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.
Creduma ES
Is Creduma a direct lender?+
Creduma arranges secured loans and debt consolidation through partner lenders, acting as a broker rather than funding loans itself under broker. That means assessment and offer terms come from the funding partner, while Creduma guides the application and documentation.
Who can apply for Creduma?+
Applicants are adults resident in Spain who own property that can serve as mortgage collateral. Eligibility centres on property ownership and residence, which allows consideration of poor credit profiles under poor where income and equity support repayment.
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