Updated September 28, 2026 · BorrowCue Editorial Team
Commerzbank vs Lendela
Commerzbank vs Lendela: the differences
| Compare |  Commerzbank |  Lendela |
|---|---|---|
| APR | 3.29% to 12.49% | up to 48% |
| Loan amount | €1,500 to €100,000 | SGD 1,000 to SGD 200,000 |
| Term | 6 to 119 monthsHigher | 3 to 72 months |
| Credit check | Hard | None |
| Funding time | Payout generally within 24 hours after the fully digital application and credit approval | Around 1-2 days from application to disbursement; some within hours |
| 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 | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| 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 | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Loan types | Personal | Personal, Debt consolidation, Business, Secured, StudentCovers more |
| Arrangement fee | Not confirmed | SGD 0 |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Fair |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Commerzbank scores higher overall: 9.4 vs 8.5.
- Founded is lower at Commerzbank: 1870 vs 2018.
- Lendela is available in 1 more country.
- Term is higher at Commerzbank: 6 to 119 months vs 3 to 72 months.
- Features: only Lendela offers Credit line.
- Loan types: only Lendela offers Debt consolidation, Business, 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.
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
Score breakdown
| Area | Commerzbank | Lendela |
|---|---|---|
| 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. | 8.9Fees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. |
| Trust | 9.6Higher | 8.2 |
Cost in a real example
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
Lendela
up to 9,039.28
up to 9,039.28
The stated ranges do not establish a winner.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Side by side, item by item
| Loan types | Commerzbank | Lendela |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Secured | No | Yes |
| Business | No | Yes |
| Student | No | Yes |
How they place
| Ranking | Commerzbank | Lendela |
|---|---|---|
| Personal loans | 80 of 1932 | 74 of 1932 |
| Mortgages | 8 of 719 | 6 of 719 |
| Remortgage deals | 8 of 351 | 6 of 351 |
Also worth a look
Sofkredit has term at 6 to 240 months, against 6 to 119 months for Commerzbank and 3 to 72 months for Lendela.
Sofkredit reviewSources behind this comparison
Commerzbank
- commerzbank.de: 16 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Commerzbank | Lendela |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Commerzbank Aktiengesellschaft | Lendela Pte. Ltd. |
| Headquarters | Germany | Singapore |
| Founded | 1870Lower | 2018 |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Mortgages
| Fact | Commerzbank | Lendela |
|---|---|---|
| Initial rate | 4.45% | 2.4%Lower |
| APRC | 4.54% | Not confirmed |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 60% | Not confirmed |
| Product fee | Not confirmed | SGD 0 |
| Purpose | Purchase, Remortgage, Home equityCovers more | Purchase, Remortgage |
Where each stands against the rest
| Fact | Commerzbank | Lendela | Median |
|---|---|---|---|
| APR | 3.29% to 12.49%lowest quarter | up to 48%highest quarter | 8.99 |
| Term | 6 to 119 monthshighest quarter | 3 to 72 monthsabove the median | 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.
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat 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.
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
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 | Lendela |
|---|---|---|
| Germany | Yes | No |
| Hong Kong | No | Yes |
| Singapore | 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.
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
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