Updated September 29, 2026 · BorrowCue Editorial Team
Crezu vs Postbank
Where Crezu and Postbank differ
| Compare |  Crezu |  Postbank |
|---|---|---|
| APR | 12% to 36% | 3.25% to 14.3%Lower |
| Loan amount | ₱500 to ₱25,000 | €3,000 to €80,000 |
| Term | 3 to 4 months | 12 to 120 monthsHigher |
| Funding time | Decision in 2 min, money in 15 min | A few days: review normally takes two business days, plus a few days until the money arrives |
| Representative example | Personal loan of PHP 10,000 repaid in 3 months: total payment PHP 15,000 | 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) |
| Lender type | Broker | Direct lender |
| Eligibility | Over 18 years old, resident of the Philippines, valid ID card, phone number and bank account | At least 18 years old and regular salary, wage or pension payments of sufficient amount; creditworthiness required |
| Loan types | Personal, Debt consolidation | Personal, Debt consolidation, CarCovers more |
| Arrangement fee | 0 PHP - no service fee | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Not confirmed | Poor |
Same on both: Credit check (Hard), Use cases (Home improvement).
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Key differences
- Postbank scores higher overall: 9.3 vs 8.5.
- APR is lower at Postbank: 3.25% to 14.3% vs 12% to 36%.
- Term is higher at Postbank: 12 to 120 months vs 3 to 4 months.
- Support channels: only Postbank offers Phone, Help centre.
- Loan types: only Postbank offers Car.
Our verdict on each
Crezu
Crezu suits borrowers in the Philippines who need a small short-term loan and want no arrangement fee from the broker, with 12% to 36% across PHP 500 to PHP 25,000. The catch is the representative example, where the same loan costs far more than it borrows, and support runs on email only.
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 | Crezu | Postbank |
|---|---|---|
| Cost | 8.8 | 9.4Higher |
| Offer | 8.2APR 12% to 36% and origination fee 0 PHP - no service fee shape the offer. | 9.3HigherBreadth of the offer: €3,000 to €80,000 across 12 to 120, fixed rate with early repayment free. |
| Trust | 8.3 | 9.2Higher |
Feature by feature
| Loan types | Crezu | Postbank |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Car | No | Yes |
| Use cases | Crezu | Postbank |
|---|---|---|
| Home improvement | Yes | Yes |
Where each is licensed and available
| Country | Crezu | Postbank |
|---|---|---|
| Germany | Not confirmed |
Additional countries for Crezu: 1. Additional countries for Postbank: 1.
How they place
| Ranking | Crezu | Postbank |
|---|---|---|
| Personal loans | 48 of 1920 | 85 of 1920 |
| Debt consolidation loans | 18 of 425 | 31 of 425 |
| Home improvement loans | 21 of 562 | 37 of 562 |
Every fact side by side
| Fact | Crezu | Postbank |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | Fininity OÜ (Fininity Ltd), company no. 14523902 | Postbank, a branch of Deutsche Bank AG |
| Headquarters | Estonia | Germany |
| Support channels | Email, Phone, Help centreCovers more |
Mortgages
| Fact | Crezu | Postbank |
|---|---|---|
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Crezu | Postbank | Median |
|---|---|---|---|
| APR | 12% to 36%above the median | 3.25% to 14.3%lowest quarter | 8.99 |
| Term | 3 to 4 monthslowest quarter | 12 to 120 monthshighest quarter | 60 |
Median across 1152 listed lenders.
Pros and cons
Crezu
Pros
- Origination fee 0 PHP - no service fee on both personal loans and debt consolidation, so nothing is taken for arranging the loan
- Funding speed Decision in 2 min, money in 15 min and same day funding make it workable when a bill has a short deadline
- 12% to 36% sits under the site median of 12%, which suits a careful borrower comparing total cost
Cons
- The representative example is the weak point: a small personal loan repaid inside 3 to 4 totals far more than the amount borrowed, so the headline 12% to 36% understates what is repaid
- Support runs on email only, so a question about a missed repayment waits on email rather than live help
- As a broker the contract sits with a partner lender, so the lender's own terms decide the cost
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
Crezu
Who it suits
- Borrowers in the Philippines who need a small sum quickly and already meet the eligibility rules: adults with a valid ID card, a phone number and a bank account
- Anyone tidying existing debt who wants a single debt consolidation loan rather than several small balances
- Cost conscious borrowers who read the representative example before applying and set aside the full repayment figure
Who should look elsewhere
- Borrowers who need a long repayment period, since terms run 3 to 4 and there is no room to stretch the balance
- Anyone who wants to speak to a person on the phone, because support runs on email only
- Readers who want a large sum for a big project, since Crezu ranks 669 of 685 brands on loan amount
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
Crezu
Current offer
Bonus
1st Credit with 0%: 0% interest on the first loan
First loan can be free of charge for new clients; otherwise lending rates from lenders run 12% to a maximum APR of 36%
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 | Crezu | Postbank |
|---|---|---|
| Germany | No | Yes |
| Philippines | Yes | No |
Questions about each
Crezu
What does Crezu cost to borrow?+
Interest runs at 12% to 36% on both personal loans and debt consolidation loans, above the 12% typical for personal loans here. Origination fee 0 PHP - no service fee means the broker takes nothing for arranging it. The representative example shows a small personal loan repaid inside 3 to 4 at a total far higher than the sum borrowed, so the total repayment is the figure to plan around.
Is Crezu regulated or covered by a deposit protection scheme?+
Crezu is a broker, and the loans themselves come from partner lenders rather than from Crezu. No regulator and no deposit protection scheme is set out for the offer. What matters is the contract you sign with the partner lender, so read that document for the lender's own regulatory status before you borrow.
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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