Updated September 28, 2026 · BorrowCue Editorial Team
Deutsche Bank vs Santander Consumer BestCredit
What sets them apart
| Compare |  Deutsche Bank |  Santander Consumer BestCredit |
|---|---|---|
| APR | 3.25% to 13.48%Lower | 6.11% to 16.4% |
| Loan amount | €3,000 to €80,000 | DKK 20,000 to DKK 350,000 |
| Term | 12 to 120 months | 120 months |
| Representative example | Net loan 10,000 EUR, effective annual rate 9.71 %, fixed nominal rate 9.30 % p.a., 85 months, monthly instalment 164 EUR, total payable 13,737 EUR | Private loan of 100,000 DKK over 120 months, monthly payment from 1,107-1,625 DKK, nominal variable rate 4.90%-14.95%, APR 6.11%-16.40% |
| Rate type | Fixed | Variable |
| Eligibility | Of age (adult), non-self-employed with regular income, positive credit rating, residence in Germany | Online application signed with MitID, individual credit assessment of income, must not be listed in RKI or the Debitor Register, co-applicant allowed; no age rule stated |
| Loan types | Personal | Personal, Debt consolidationCovers more |
| Funding time | Within a few days after document review and approval | Not confirmed |
| Credit needed | Not confirmed | Fair |
Same on both: Credit check (Hard), Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- Deutsche Bank scores higher overall: 9.5 vs 9.3.
- Santander Consumer BestCredit is licensed in 1 more country.
- Santander Consumer BestCredit is available in 1 more country.
- APR is lower at Deutsche Bank: 3.25% to 13.48% vs 6.11% to 16.4%.
- Support channels: only Deutsche Bank offers Email, Phone.
- Support channels: only Santander Consumer BestCredit offers Chat.
- Loan types: only Santander Consumer BestCredit offers Debt consolidation.
Our verdict on each
Deutsche Bank
Deutsche Bank lends directly in Germany through Deutsche Bank AG, an institution trading since 1870. It suits salaried, non-self-employed adults living in Germany with a positive credit rating, and borrowers wanting €3,000 to €80,000 over a term of 12 to 120 for a larger purchase.
Santander Consumer BestCredit
Santander Consumer BestCredit lends directly in Denmark for personal loans and debt consolidation, and the offer scores 8.1. Interest is variable at 6.11% to 16.4% over a term of 120 months, so it suits borrowers who can pass a credit assessment of income and want a larger, longer loan.
Score breakdown
| Area | Deutsche Bank | Santander Consumer BestCredit |
|---|---|---|
| Cost | 9.4Higher | 9.2 |
| Offer | 9.3Direct personal lending at 3.25% to 13.48%, a hard credit check, and payout Within a few days after document review and approval after approval. | 9.3 |
| Trust | 9.6Higher | 9.2 |
Which one suits you
Pick Deutsche Bank if trust and apr matter most.
Pick Santander Consumer BestCredit if loan types matter most.
Ranges side by side
| Fact | Deutsche Bank | Santander Consumer BestCredit |
|---|---|---|
| APR | 3.25% to 13.48% | 6.11% to 16.4% |
Where each is licensed and available
| Country | Deutsche Bank | Santander Consumer BestCredit |
|---|---|---|
| Denmark | Not confirmed | |
| Germany | IHK Frankfurt am Main (Versicherungsvermittlerregister) D-H0AV-L0HOD-14 | Not confirmed |
| Norway | Not confirmed |
Additional countries for Deutsche Bank: 1. Additional countries for Santander Consumer BestCredit: 2.
What we checked
Deutsche Bank
- deutsche-bank.de: 15 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Santander Consumer BestCredit
- santanderconsumer.dk: 14 facts, checked September 26, 2026
How they place
| Ranking | Deutsche Bank | Santander Consumer BestCredit |
|---|---|---|
| Personal loans | 260 of 1920 | 367 of 1920 |
Every fact side by side
| Fact | Deutsche Bank | Santander Consumer BestCredit |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Legal entity | Deutsche Bank AG | Santander Consumer Bank, filial af Santander Consumer Bank AS, Norge (CVR 30733053) |
| Headquarters | Germany | Denmark |
| Founded | 1870 | Not confirmed |
| Support channels | Email, Phone, Help centre | Chat, Help centre |
Where each stands against the rest
| Fact | Deutsche Bank | Santander Consumer BestCredit | Median |
|---|---|---|---|
| APR | 3.25% to 13.48%lowest quarter | 6.11% to 16.4%below the median | 8.99 |
| Term | 12 to 120 monthshighest quarter | 120 monthshighest quarter | 60 |
Median across 1152 listed lenders.
Pros and cons
Deutsche Bank
Pros
- A direct lender, so you deal with the bank itself rather than a broker (direct lender)
- Interest stays put, listed as fixed pricing on a fixed rate model
- Early repayment is free, so clearing the balance early carries no charge
Cons
- Eligibility is narrow: non-self-employed, regular income, a positive credit rating and residence in Germany, so self-employed and thin-file applicants are turned down
- The hard credit check is shared by 76.5% of the lenders in this group, so a refusal can weigh on later applications
- A single market only, with lending confined to Germany
Santander Consumer BestCredit
Pros
- Borrowing at 6.11% to 16.4% sits below the 25.03% upper quartile of the ranking
- A 120 month term ranks 18 of 232 on length
- Free early repayment is offered, alongside 81.2% of lenders on the site
Cons
- The rate is variable, unlike the 80.5% of lenders on the site
- A hard credit check runs against a fair credit requirement
- Support runs on chat and help centre only
Who each suits
Deutsche Bank
Who it suits
- Salaried employees in Germany who can show a positive credit rating
- Anyone with an existing relationship at the bank and a larger sum to borrow
- Borrowers who want one fixed monthly payment and the option to settle early
Who should look elsewhere
- Self-employed applicants, who are not eligible for this loan
- Residents outside Germany, since lending is confined to that single market
- Small sums, where Cashspace ES charges 0% against 3.25% to 13.48% here
Santander Consumer BestCredit
Who it suits
- Borrowers consolidating several smaller debts into one repayment
- Adults with a fair credit profile who can pass a hard check
- Anyone planning to clear a loan early, since free early repayment applies
Who should look elsewhere
- Borrowers wanting a fixed rate, which Monzo Flex offers at 10% to 23%
- Small loans, since amounts run DKK 20,000 to DKK 350,000
- Applicants listed in RKI or the Debitor Register
Current offers
Deutsche Bank
Current offer
First period offer
Miles & More Blue Credit Card action: 12 monthly statements without card fee (then 5.50 EUR per month) plus 500 miles and 40 points on approval
Applications submitted by 30.09.2026
Source, checked September 26, 2026
Santander Consumer BestCredit
Current offer
First period offer
Up to two payment-free months per year on the private loan: Up to 2 payment-free months per year
Open a private loan with Santander; applies on top of the loan offer, roughly two payment-free months per year
Source, checked September 26, 2026
Bonus
Guess the next Formula 1 result and win F1 merchandise and a Samsung TV: Official F1 merchandise plus a Samsung 65-inch QLED 4K Smart TV as main prize
Enter the competition before the next Formula 1 race and guess the result correctly
Source, checked September 26, 2026
Country by country
| Country | Deutsche Bank | Santander Consumer BestCredit |
|---|---|---|
| Denmark | No | Yes |
| Germany | Yes | No |
| Norway | No | Yes |
Questions about each
Deutsche Bank
What rate would I pay for a personal loan from Deutsche Bank?+
The advertised rate is 3.25% to 13.48%, and it is fixed rather than variable, as fixed pricing confirms. The fixed rate model means the monthly payment stays the same across the term. A representative example shows a net loan repaid over a fixed period with a fixed nominal rate a year and a monthly instalment that does not change.
How much can I borrow?+
Loan amounts run €3,000 to €80,000, well above the €556.48 typical for personal loans on this site, so the lender suits bigger jobs such as a car, a kitchen or several balances rolled into a single payment. Term options run 12 to 120, and a hard credit check applies at application.
Santander Consumer BestCredit
What does a Santander Consumer BestCredit personal loan cost?+
The personal loan costs 6.11% to 16.4% and the rate is variable, so payments can move with market rates. The published representative example pairs a variable nominal rate with that same APR range, and early repayment carries no charge.
How much can I borrow?+
Loan amounts run DKK 20,000 to DKK 350,000 for both personal and debt consolidation lending. The top of that range is well above the €653,159.33 ceiling of most personal loans in the ranking, which suits larger purchases.
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