Updated September 28, 2026 · BorrowCue Editorial Team
Commerzbank vs First National Bank of Omaha
Where Commerzbank and First National Bank of Omaha differ
| Compare |  Commerzbank |  First National Bank of Omaha |
|---|---|---|
| APR | 3.29% to 12.49%Lower | 15.24% to 21.24% |
| Rate type | Fixed | Variable |
| 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 | Consumer accounts only; CO, IA, IL, KS, MO, NE, SD, TX and WY residents within the lending area; borrowing amount based on income and credit score |
| Loan types | Personal | Personal, Credit line, Debt consolidation, Secured, CarCovers more |
| Loan amount | €1,500 to €100,000 | Not confirmed |
| Term | 6 to 119 months | Not confirmed |
| Funding time | Payout generally within 24 hours after the fully digital application and credit approval | Not confirmed |
| 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 |
| Free early repayment | Yes | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Lender type (Direct lender).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- First National Bank of Omaha scores higher overall: 9.6 vs 9.4.
- Founded is lower at First National Bank of Omaha: 1857 vs 1870.
- APR is lower at Commerzbank: 3.29% to 12.49% vs 15.24% to 21.24%.
- Support channels: only First National Bank of Omaha offers Community.
- Features: only Commerzbank offers Same day funding.
- Features: only First National Bank of Omaha offers Credit line.
- Loan types: only First National Bank of Omaha offers Credit line, Debt consolidation, Secured.
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.
First National Bank of Omaha
First National Bank of Omaha is a sound pick for borrowers inside its lending area who want one bank for home and personal lending, with a maximum loan to value of 100% and a fixed period of 15 to 30. Borrowing is limited to consumer accounts, so business lending is out.
Score breakdown
| Area | Commerzbank | First National Bank of Omaha |
|---|---|---|
| Cost | 9.4 | Not confirmed |
| Offer | 9.2Direct lender offering personal loans at 3.29% to 12.49%, terms of 6 to 119 and free early repayment on the instalment product. | 9.8HigherRate type variable, model fixed-rate, maximum loan to value 100%, fixed period 15 to 30, and personal loan rate 15.24% to 21.24%. |
| Trust | 9.6Higher | 9.5 |
Where they rank in our lists
| Ranking | Commerzbank | First National Bank of Omaha |
|---|---|---|
| Personal loans | 80 of 1932 | 237 of 1932 |
| Mortgages | 8 of 719 | 29 of 719 |
| Remortgage deals | 8 of 351 | 16 of 351 |
| Home equity loans and HELOCs | 3 of 110 | 6 of 110 |
Side by side, item by item
| Loan types | Commerzbank | First National Bank of Omaha |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Credit line | No | Yes |
| Secured | No | Yes |
| Car | No | Yes |
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
First National Bank of Omaha
2,521.87 to 3,607.43
2,521.87 to 3,607.43
Commerzbank comes out 2,006.56 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.
If neither fits
Prestamiau ES has apr at 0% to 36%, against 3.29% to 12.49% for Commerzbank and 15.24% to 21.24% for First National Bank of Omaha.
Prestamiau ES reviewEvery fact side by side
| Fact | Commerzbank | First National Bank of Omaha |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Credit line |
| Legal entity | Commerzbank Aktiengesellschaft | First National Bank of Omaha |
| Headquarters | Germany | United States |
| Founded | 1870 | 1857Lower |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre, CommunityCovers more |
Mortgages
| Fact | Commerzbank | First National Bank of Omaha |
|---|---|---|
| Initial rate | 4.45% | Not confirmed |
| APRC | 4.54% | Not confirmed |
| Fixed period | 10 years | 15 to 30 yearsHigher |
| Maximum loan to value | 60% | 100%Higher |
| Purpose | Purchase, Remortgage, Home equity | Purchase, Remortgage, First time buyer, Home equityCovers more |
Where each stands against the rest
| Fact | Commerzbank | First National Bank of Omaha | Median |
|---|---|---|---|
| APR | 3.29% to 12.49%lowest quarter | 15.24% to 21.24%above the median | 8.99 |
| Loan amount | €1,500 to €100,000highest quarter | Not confirmed | €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.
First National Bank of Omaha
Pros
- A direct lender, so you deal with the bank itself
- Maximum loan to value of 100%
- Fixed period of 15 to 30
Cons
- Personal loan rate of 15.24% to 21.24% sits above the site median of 12%
- Credit checks are hard, so a full search lands on file
- Rate type is variable, so payments can move
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.
First National Bank of Omaha
Who it suits
- Households in its lending area buying or remortgaging
- People who want one bank for a mortgage and a personal loan
- Borrowers who prefer a direct lender
Who should look elsewhere
- Credit builders, since applications run a hard credit check
- Anyone wanting a business loan, as eligibility is consumer accounts only
- Borrowers outside its lending area
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 | First National Bank of Omaha |
|---|---|---|
| Germany | Yes | No |
| United States | 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.
First National Bank of Omaha
What rate do I pay on a personal loan from First National Bank of Omaha?+
Personal loans carry a rate of 15.24% to 21.24%, and the rate type is variable. That sits above the site median of 12% for personal loans. The amount you can borrow depends on your income and credit score.
Is my money safe with this bank?+
Yes. First National Bank of Omaha is a direct lender, so the money sits with the bank itself, and it holds an FDIC certificate, FDIC cert 5452. Mortgage lending runs under the NMLS, 412727.
Other options to compare
Other matchups
- Commerzbank vs Wells Fargo
- Commerzbank vs AffinityPlus Credit Union
- Commerzbank vs Banco General
- Commerzbank vs BBK
- Commerzbank vs ING Germany
- Commerzbank vs AIB
- Commerzbank vs National Bank of Malawi Mo626 Digital+
- Commerzbank vs VCB Bank
- Commerzbank vs Cathay United Bank
- Commerzbank vs Sofkredit
- Commerzbank vs Creduma ES
- Commerzbank vs Creditilia ES
- Commerzbank vs Lendela
- Commerzbank vs Postbank
- Commerzbank vs CHECK24
- Commerzbank vs Berliner Volksbank
- Commerzbank vs MoneyHero
- Commerzbank vs LEND.ch
- Commerzbank vs CitiBank AE
- Commerzbank vs Borrowell