Updated September 28, 2026 · BorrowCue Editorial Team
Commerzbank vs ING Germany
Commerzbank vs ING Germany: the differences
| Compare |  Commerzbank |  ING Germany |
|---|---|---|
| APR | 3.29% to 12.49%Lower | 3.69% to 10.99% |
| Loan amount | €1,500 to €100,000 | €5,000 to €100,000 |
| Term | 6 to 119 months | 12 to 120 monthsHigher |
| Funding time | Payout generally within 24 hours after the fully digital application and credit approval | Immediate payout on request, otherwise on a chosen date up to 3 months after approval |
| 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 | Ratenkredit: net loan 15,000.00 EUR over 120 months, effective annual rate 7.22% (fixed nominal rate 6.99% p.a.), monthly instalment 175.63 EUR, total amount 21,075.24 EUR; at least two thirds of customers receive 7.22% or better |
| 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 | Of age, good credit standing, private not commercial use, stable monthly income of at least 1,600 EUR, residence and workplace in Germany, salary current account |
| Loan types | Personal | Personal, Debt consolidation, Car, Credit lineCovers more |
| Arrangement fee | Not confirmed | 0 EUR |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Good |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- Founded is lower at Commerzbank: 1870 vs 1965.
- APR is lower at Commerzbank: 3.29% to 12.49% vs 3.69% to 10.99%.
- Term is higher at ING Germany: 12 to 120 months vs 6 to 119 months.
- Loan types: only ING Germany offers Debt consolidation, Car, Credit line.
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.
ING Germany
ING Germany lends directly to residents with a salary current account, and its instalment loan fixes the rate across terms of 12 to 120. It suits borrowers consolidating debt or funding home improvements, though the hard credit check and good credit standing narrow who qualifies.
Score breakdown
| Area | Commerzbank | ING Germany |
|---|---|---|
| Cost | 9.4 | 9.4Arrangement fee of 0 EUR on a fixed rate of 3.69% to 10.99%, under the 12% typical across the site. |
| 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. | 9.4Higher |
| Trust | 9.6Higher | 9.5 |
From lowest to highest
| Fact | Commerzbank | ING Germany |
|---|---|---|
| APR | 3.29% to 12.49% | 3.69% to 10.99% |
| Loan amount | €1,500 to €100,000 | €5,000 to €100,000 |
| Term | 6 to 119 months | 12 to 120 months |
Availability and regulation
| Country | Commerzbank | ING Germany |
|---|---|---|
| Germany | Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin) BAK Nr. 100005 |
Available in 1 country for both.
How they place
| Ranking | Commerzbank | ING Germany |
|---|---|---|
| Personal loans | 80 of 1932 | 264 of 1932 |
| Mortgages | 8 of 719 | 47 of 719 |
| Remortgage deals | 8 of 351 | 31 of 351 |
| Home equity loans and HELOCs | 3 of 110 | 12 of 110 |
Every fact side by side
| Fact | Commerzbank | ING Germany |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Commerzbank Aktiengesellschaft | ING-DiBa AG |
| Headquarters | Germany | Germany |
| Founded | 1870Lower | 1965 |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Mortgages
| Fact | Commerzbank | ING Germany |
|---|---|---|
| Initial rate | 4.45%Lower | 4.79% |
| APRC | 4.54%Lower | 4.93% |
| Fixed period | 10 years | 15 yearsHigher |
| Maximum loan to value | 60% | 100%Higher |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage, Home equity | Purchase, Remortgage, Home equity |
Where each stands against the rest
| Fact | Commerzbank | ING Germany | Median |
|---|---|---|---|
| APR | 3.29% to 12.49%lowest quarter | 3.69% to 10.99%lowest quarter | 8.99 |
| Loan amount | €1,500 to €100,000highest quarter | €5,000 to €100,000highest quarter | €40,000 |
| Term | 6 to 119 monthshighest quarter | 12 to 120 monthshighest quarter | 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.
ING Germany
Pros
- Fixed rate of 3.69% to 10.99% on borrowing of €5,000 to €100,000, with terms of 12 to 120 and the rate held for the life of the loan.
- Same-day funding on request, and early repayment is free.
- Regulated in Germany by BaFin, with support on phone, email and help centre.
Cons
- The credit check is hard and credit standing of good is needed, so a thin file is unlikely to pass.
- Eligibility requires a salary current account plus residence and workplace in Germany, so applicants paid elsewhere or based abroad are excluded.
- Support runs on phone, email and help centre only, with no live chat option listed.
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.
ING Germany
Who it suits
- Residents of Germany paid a salary into a current account, applying for a fixed-rate instalment loan.
- Borrowers consolidating debt or planning home improvement, since the lending covers both alongside car loans and a credit line.
- Homebuyers and movers, with home financing at an initial rate of 4.79%.
Who should look elsewhere
- Applicants with a poor credit file, since the check is hard and credit standing of good is required.
- Borrowers who rank lenders purely on the lowest published rate, since Cashspace ES lists 0% against 3.69% to 10.99% here.
- People without a salary current account or living outside Germany, which the eligibility terms require.
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
ING Germany
Current offer
Discount code
Autumn interest discount of up to -0.50% on new Ratenkredit, Autokredit and Wohnkredit: -0.30% on the fixed nominal interest rate, up to -0.50% combined for loan amounts from 40,001 EUR
Applications for new instalment, car or mortgage loans by 04.10.2026; -0.20% extra discount from a loan amount of 40,001 EUR; discount applied automatically in the personal best-rate offer
Source, checked September 26, 2026
Bonus
My ING current account to loan promotion: One month of interest on your Ratenkredit refunded
Open an ING Girokonto within 3 months of taking out the Ratenkredit and use it as a salary current account
Source, checked September 26, 2026
Bonus
Free Girokonto plus 200 EUR on top: 200 EUR
New Girokonto with at least 1,000 EUR incoming payments per calendar month; current account free for customers under 28
Source, checked September 26, 2026
Country by country
| Country | Commerzbank | ING Germany |
|---|---|---|
| Germany | Yes | 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.
ING Germany
What can I borrow from ING Germany for personal use?+
The published lending covers personal, debt consolidation and car borrowing, with home improvement named as a use. Amounts run to €5,000 to €100,000 across terms of 12 to 120, and the rate is fixed for the life of the loan.
What rate do I pay on an instalment loan?+
The advertised rate is 3.69% to 10.99%, quoted for a fixed-rate loan of €5,000 to €100,000 over 12 to 120. The worked example pairs a fixed nominal rate with the effective annual rate, so the effective figure is the one to compare across lenders.
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