Updated September 29, 2026 · BorrowCue Editorial Team
Commerzbank vs Postbank
What sets them apart
| Compare |  Commerzbank |  Postbank |
|---|---|---|
| APR | 3.29% to 12.49% | 3.25% to 14.3%Lower |
| Loan amount | €1,500 to €100,000Higher | €3,000 to €80,000 |
| Term | 6 to 119 months | 12 to 120 monthsHigher |
| Funding time | Payout generally within 24 hours after the fully digital application and credit approval | A few days: review normally takes two business days, plus a few days until the money arrives |
| 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 | Net loan amount EUR 10,000, effective annual rate 9.67%, nominal rate 9.27% p.a., term 84 months, 85 instalments of EUR 164, total amount EUR 13,724 (Postbank Privatkredit direkt) |
| 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 | At least 18 years old and regular salary, wage or pension payments of sufficient amount; creditworthiness required |
| Loan types | Personal | Personal, Debt consolidation, CarCovers more |
| Credit needed | Not confirmed | Poor |
| 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
- Commerzbank scores higher overall: 9.4 vs 9.3.
- APR is lower at Postbank: 3.25% to 14.3% vs 3.29% to 12.49%.
- Loan amount is higher at Commerzbank: €1,500 to €100,000 vs €3,000 to €80,000.
- Term is higher at Postbank: 12 to 120 months vs 6 to 119 months.
- Loan types: only Postbank offers Debt consolidation, Car.
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.
Postbank
Postbank lends directly at 3.25% to 14.3% on amounts of €3,000 to €80,000, with a fixed rate and free early repayment. It suits German adults with regular income who want a known monthly cost and can wait a few days for the money to arrive.
Score breakdown
| Area | Commerzbank | Postbank |
|---|---|---|
| Cost | 9.4 | 9.4 |
| 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. | 9.3HigherBreadth of the offer: €3,000 to €80,000 across 12 to 120, fixed rate with early repayment free. |
| Trust | 9.6Higher | 9.2 |
Licences and countries
| Country | Commerzbank | Postbank |
|---|---|---|
| Germany | Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin) BAK Nr. 100005 |
Available in 1 country for both.
How they place
| Ranking | Commerzbank | Postbank |
|---|---|---|
| Personal loans | 80 of 1932 | 85 of 1932 |
| Mortgages | 8 of 719 | 10 of 719 |
| Remortgage deals | 8 of 351 | 9 of 351 |
From lowest to highest
| Fact | Commerzbank | Postbank |
|---|---|---|
| APR | 3.29% to 12.49% | 3.25% to 14.3% |
| Loan amount | €1,500 to €100,000 | €3,000 to €80,000 |
| Term | 6 to 119 months | 12 to 120 months |
Pick Commerzbank if, pick Postbank if
Pick Commerzbank if trust and loan amount matter most.
Pick Postbank if apr, term, and loan types matter most.
Every fact side by side
| Fact | Commerzbank | Postbank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | Commerzbank Aktiengesellschaft | Postbank, a branch of Deutsche Bank AG |
| Headquarters | Germany | Germany |
| Founded | 1870 | Not confirmed |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Mortgages
| Fact | Commerzbank | Postbank |
|---|---|---|
| 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 | Purchase, Remortgage |
Where each stands against the rest
| Fact | Commerzbank | Postbank | Median |
|---|---|---|---|
| APR | 3.29% to 12.49%lowest quarter | 3.25% to 14.3%lowest quarter | 8.99 |
| Loan amount | €1,500 to €100,000highest quarter | €3,000 to €80,000highest quarter | €40,000 |
| Term | 6 to 119 monthshighest quarter | 12 to 120 monthshighest quarter | 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.
Postbank
Pros
- APR of 3.25% to 14.3% compares favourably with the 12.25% median for personal loans on this site.
- Fixed rate for the whole term (fixed), so the monthly outlay does not drift upward.
- Free early repayment, so a windfall can clear the balance without a charge.
Cons
- The rate runs to the top of the 3.25% to 14.3% range for thinner files, and the check is hard.
- Because direct lender lending puts the decision with the bank, funding takes a few days rather than landing at once.
- Borrowing runs through DE, so it is aimed at people with German income rather than applicants abroad.
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.
Postbank
Who it suits
- Adults past a minimum age with a regular salary, wage or pension payment, which is what eligibility asks for.
- Borrowers who want the rate fixed to the end of the term, since fixed rate applies.
- People who expect to overpay and finish sooner, since early repayment is free.
Who should look elsewhere
- Anyone chasing interest free borrowing, since Cashspace ES quotes 0%.
- Readers who want to draw and repay repeatedly rather than take one fixed instalment loan, who should weigh Monzo Flex at 10% to 23%.
- Borrowers who want a second opinion on price, since Cashspace publishes PHP 12 to PHP 36 to set beside 3.25% to 14.3%.
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
Postbank
Current offer
Bonus
Tagesgeld new deposits action: 3.2% p.a. interest for 6 months
New deposits only, total Postbank savings balance must increase
Source, checked September 26, 2026
Bonus
Wertpapierdepot online opening credit: EUR 25 credit
Open a securities account online by 30 September 2026
Source, checked September 26, 2026
Country by country
| Country | Commerzbank | Postbank |
|---|---|---|
| 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.
Postbank
What rate would I pay on a Postbank loan?+
Postbank quotes an APR of 3.25% to 14.3% on its direct private loan, which sits against a median of 12.25% for personal loans on this site. The rate is fixed (fixed) for the whole term, so the instalment you sign up for is the one you keep paying.
How much can I borrow and how long can I take to repay it?+
Borrowing runs from €3,000 to €80,000 with terms of 12 to 120, so a larger sum means a longer commitment. It is a direct lender arrangement (direct lender), which means your application sits with the bank rather than with a broker who passes details around.
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