Updated September 28, 2026 · BorrowCue Editorial Team
Commerzbank vs Wells Fargo
What sets them apart
| Compare |  Commerzbank |  Wells Fargo |
|---|---|---|
| APR | 3.29% to 12.49%Lower | 6.74% to 26.74% |
| Loan amount | €1,500 to €100,000 | $3,000 to $100,000 |
| Term | 6 to 119 monthsHigher | 12 to 84 months |
| Funding time | Payout generally within 24 hours after the fully digital application and credit approval | Same day as approval for most customers |
| 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 | Unsecured personal loan: $17,000 over 48 months at 13.99% APR, monthly payment $464 |
| 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 | Existing customers only: must have been a Wells Fargo customer for at least 12 months |
| Loan types | Personal | Personal, Debt consolidationCovers more |
| Arrangement fee | Not confirmed | 0 USD |
| Origination fee (%) | Not confirmed | 0% |
| 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
- Wells Fargo scores higher overall: 9.5 vs 9.4.
- Founded is lower at Wells Fargo: 1852 vs 1870.
- APR is lower at Commerzbank: 3.29% to 12.49% vs 6.74% to 26.74%.
- Term is higher at Commerzbank: 6 to 119 months vs 12 to 84 months.
- Support channels: only Commerzbank offers Email.
- Loan types: only Wells Fargo offers 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.
Wells Fargo
Wells Fargo suits US borrowers who already hold an account with the group and want a lender with fixed rates.
Score breakdown
| Area | Commerzbank | Wells Fargo |
|---|---|---|
| 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. | 9.4HigherRates run 6.74% to 26.74% over 12 to 84 for $3,000 to $100,000, fixed rate with 0 USD in fees. |
| Trust | 9.6 | 9.6 |
Positions in our rankings
| Ranking | Commerzbank | Wells Fargo |
|---|---|---|
| Personal loans | 80 of 1932 | 246 of 1932 |
| Mortgages | 8 of 719 | 34 of 719 |
| Remortgage deals | 8 of 351 | 18 of 351 |
| Home equity loans and HELOCs | 3 of 110 | 7 of 110 |
From lowest to highest
| Fact | Commerzbank | Wells Fargo |
|---|---|---|
| APR | 3.29% to 12.49% | 6.74% to 26.74% |
| Term | 6 to 119 months | 12 to 84 months |
Where each is licensed and available
| Country | Commerzbank | Wells Fargo |
|---|---|---|
| Germany | Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin) BAK Nr. 100005 | Not confirmed |
| United States | Not confirmed | FDIC FDIC cert 27389 |
Additional countries for Commerzbank: 1. Additional countries for Wells Fargo: 1.
Sources behind this comparison
Commerzbank
- commerzbank.de: 16 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Wells Fargo
- wellsfargo.com: 18 facts, checked September 26, 2026
- banks.data.fdic.gov: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Commerzbank | Wells Fargo |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Commerzbank Aktiengesellschaft | Wells Fargo National Bank West |
| Headquarters | Germany | United States |
| Founded | 1870 | 1852Lower |
| Support channels | Email, Phone, Help centreCovers more | Phone, Help centre |
Mortgages
| Fact | Commerzbank | Wells Fargo |
|---|---|---|
| Initial rate | 4.45% | Not confirmed |
| APRC | 4.54% | Not confirmed |
| Fixed period | 10 years | 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 | Wells Fargo | Median |
|---|---|---|---|
| APR | 3.29% to 12.49%lowest quarter | 6.74% to 26.74%below the median | 8.99 |
| Term | 6 to 119 monthshighest quarter | 12 to 84 monthsabove the median | 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.
Wells Fargo
Pros
- Personal loans carry no origination fee, at 0 USD and 0%, so the cost is interest on the balance
- Free early repayment means a personal loan can be cleared ahead of schedule without a charge for settling it
- Unsecured personal loans run $3,000 to $100,000 over 12 to 84 at 6.74% to 26.74% on a fixed rate
Cons
- Eligibility is limited to existing customers, so a new customer of the bank cannot apply for a personal loan
- Personal loan applications use a hard credit check, the type behind 72.7% of listings on the site
- Support runs on phone and help centre only, so a chat or email channel is not 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.
Wells Fargo
Who it suits
- Existing Wells Fargo customers with a banking history, since personal loan eligibility is reserved for people already banking with the group
- Borrowers who want a fixed rate held for 30 on a mortgage and who can meet a hard credit check
- US borrowers consolidating debt or funding home improvement, both covered by the personal loans on offer
Who should look elsewhere
- New customers of the bank, since personal loan eligibility is reserved for existing Wells Fargo account holders
- Borrowers who want flexibility mid term: Creditilia ES fixes for 5, a shorter commitment than Wells Fargo's 30
- Buyers planning a long hold: Prestalo locks for 25, while Sofkredit spans 0.5 to 20
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
Wells Fargo
Current offer
Bonus
Relationship closing cost credits: starting at $250
Not eligible with FHA and VA loans. Additional limitations may apply.
Source, checked September 26, 2026
Discount code
Relationship rate discounts: starting at 0.125%
Not eligible with FHA and VA loans. Additional limitations may apply.
Source, checked September 26, 2026
Bonus
Homebuyer Access down payment grant: $10,000
Effective for loans with a rate lock date on or after February 17, 2026. Fixed-rate conventional loan only; non-conforming, government loans and ARMs are not eligible. Borrower must occupy the property as primary residence; available in certain eligible areas; may be reported as taxable income on Form 1099-MISC.
Source, checked September 26, 2026
Country by country
| Country | Commerzbank | Wells Fargo |
|---|---|---|
| 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.
Wells Fargo
What does a Wells Fargo personal loan cost?+
Rates run 6.74% to 26.74% and the origination fee is 0 USD with 0%, so the borrowing cost is interest alone. Loans run $3,000 to $100,000 over 12 to 84 at a fixed rate, and the representative example shown is an unsecured loan repaid in monthly instalments.
Who can apply for a Wells Fargo personal loan?+
Eligibility is limited to existing customers, so you must already bank with Wells Fargo and have held the account for a waiting period. The lender also runs a hard credit check, and the legal entity behind the loans is Wells Fargo National Bank West in the United States.
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