Updated September 28, 2026 · BorrowCue Editorial Team
Deutsche Bank vs Verivox
What sets them apart
| Compare |  Deutsche Bank |  Verivox |
|---|---|---|
| APR | 3.25% to 13.48% | 0.68% to 10.99%Lower |
| Loan amount | €3,000 to €80,000 | €500 to €100,000Higher |
| Credit check | Hard | Soft prequal |
| Funding time | Within a few days after document review and approval | Instant payout within 3 minutes via account check; many partner banks pay out within 24 hours of approval |
| 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 | 20,000 EUR net loan over 84 months at 8.38% effective annual rate, 312.47 EUR monthly instalment, 26,247.48 EUR total |
| Lender type | Direct lender | Broker |
| Eligibility | Of age (adult), non-self-employed with regular income, positive credit rating, residence in Germany | Minimum age 18, permanent residence in Germany and a German bank account |
| Loan types | Personal | Personal, Debt consolidation, CarCovers more |
| Arrangement fee | Not confirmed | 0 |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
Same on both: Term (12 to 120 months), Rate type (Fixed), Free early repayment (Yes).
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Key differences
- Deutsche Bank scores higher overall: 9.5 vs 9.2.
- Founded is lower at Deutsche Bank: 1870 vs 1998.
- APR is lower at Verivox: 0.68% to 10.99% vs 3.25% to 13.48%.
- Loan amount is higher at Verivox: €500 to €100,000 vs €3,000 to €80,000.
- Support channels: only Verivox offers Chat.
- Loan types: only Verivox offers Debt consolidation, Car.
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.
Verivox
Verivox is a German broker rather than a lender, so it suits borrowers comparing fixed rate instalment loans, car finance and debt consolidation in one place. The quoted APR runs 0.68% to 10.99% and the arrangement fee sits at 0, with a soft prequalification check first.
Score breakdown
| Area | Deutsche Bank | Verivox |
|---|---|---|
| Cost | 9.4 | 9.5HigherArrangement and product fees are 0 and €0, and quoted APRs run 0.68% to 10.99% against a 12% site median. |
| 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 | 8.8 |
How they place
| Ranking | Deutsche Bank | Verivox |
|---|---|---|
| Personal loans | 260 of 1920 | 501 of 1920 |
Feature by feature
| Loan types | Deutsche Bank | Verivox |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Car | No | Yes |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
Deutsche Bank
508.95 to 2,213.22
508.95 to 2,213.22
Verivox
105.18 to 1,784.23
105.18 to 1,784.23
Verivox comes out 403.77 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Availability and regulation
| Country | Deutsche Bank | Verivox |
|---|---|---|
| Germany | IHK Frankfurt am Main (Versicherungsvermittlerregister) D-H0AV-L0HOD-14 |
Available in 1 country for both.
Every fact side by side
| Fact | Deutsche Bank | Verivox |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Deutsche Bank AG | Verivox Finanzvergleich GmbH |
| Headquarters | Germany | Germany |
| Founded | 1870Lower | 1998 |
| Support channels | Email, Phone, Help centre | Phone, Email, Chat, Help centreCovers more |
Mortgages
| Fact | Deutsche Bank | Verivox |
|---|---|---|
| Initial rate | Not confirmed | 4.37% |
| Fixed period | Not confirmed | 5 years |
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Deutsche Bank | Verivox | Median |
|---|---|---|---|
| APR | 3.25% to 13.48%lowest quarter | 0.68% to 10.99%lowest quarter | 8.99 |
| Loan amount | €3,000 to €80,000highest quarter | €500 to €100,000highest quarter | €40,000 |
| Term | 12 to 120 monthshighest quarter | 12 to 120 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
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
Verivox
Pros
- Arrangement fee of 0 and a product fee of €0 on the loans it quotes.
- Quoted APRs run 0.68% to 10.99% against a 12.25% median for personal loans on this site.
- The credit check listed is a soft prequalification, and same day funding funding is offered.
Cons
- Verivox is a broker, so the loan contract sits with a partner bank and the final terms are set there.
- Business lending is not among its listed loan types (personal, debt consolidation and car) or its use cases (home improvement).
- Every loan listed is fixed rate at a fixed rate, so a variable option is not among them.
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
Verivox
Who it suits
- German residents with a German bank account who want fixed rate instalment loans compared in one place.
- Borrowers consolidating debt, financing a car or funding home improvement, since personal, debt consolidation and car and home improvement cover those purposes.
Who should look elsewhere
- Borrowers outside Germany or without a German bank account, as Verivox needs permanent residence in Germany and a local account, with Cashspace at PHP 12 to PHP 36 as another market to check.
- Anyone needing a variable rate or a business facility, since Verivox lists fixed rate loans and the purposes in personal, debt consolidation and car only, with Monzo Flex at 10% to 23% for comparison.
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
Verivox
Current offer
Bonus
Nirgendwo-Guenstiger-Garantie: Up to 300 EUR interest difference refunded
Applies to the same instalment loan taken via Verivox; payout as a one-off payment to the account.
Source, checked September 26, 2026
Country by country
| Country | Deutsche Bank | Verivox |
|---|---|---|
| Germany | Yes | 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.
Verivox
What does Verivox charge for arranging a loan?+
Nothing to pay to use the comparison. The arrangement fee on the loans it quotes is 0, the percentage element is 0% and the product fee is €0. What follows is the interest on the loan itself and the instalments you agree.
What APR can I expect on a consumer loan?+
The rates listed for consumer loans run 0.68% to 10.99%, which puts the stronger end of that range below the 12% median for personal loans here. Those rates go to the strongest files, so read 0.68% to 10.99% as a headline rather than a promise.
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