Updated September 29, 2026 · BorrowCue Editorial Team
Lendela vs Postbank
Lendela vs Postbank: the differences
| Compare |  Lendela |  Postbank |
|---|---|---|
| APR | up to 48% | 3.25% to 14.3% |
| Loan amount | SGD 1,000 to SGD 200,000 | €3,000 to €80,000 |
| Term | 3 to 72 months | 12 to 120 monthsHigher |
| Credit check | None | Hard |
| Funding time | Around 1-2 days from application to disbursement; some within hours | A few days: review normally takes two business days, plus a few days until the money arrives |
| Representative example | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 | 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 | Marketplace | Direct lender |
| Eligibility | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR | At least 18 years old and regular salary, wage or pension payments of sufficient amount; creditworthiness required |
| Loan types | Personal, Debt consolidation, Business, Secured, Student | Personal, Debt consolidation, Car |
| Credit needed | Fair | Poor |
| Arrangement fee | SGD 0 | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
Same on both: Use cases (Home improvement).
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Key differences
- Postbank scores higher overall: 9.3 vs 8.5.
- Lendela is available in 1 more country.
- Term is higher at Postbank: 12 to 120 months vs 3 to 72 months.
- Loan types: only Lendela offers Business, Secured, Student.
- Loan types: only Postbank offers Car.
Our verdict on each
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
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 | Lendela | Postbank |
|---|---|---|
| Cost | Not confirmed | 9.4 |
| Offer | 8.9Fees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. | 9.3HigherBreadth of the offer: €3,000 to €80,000 across 12 to 120, fixed rate with early repayment free. |
| Trust | 8.2 | 9.2Higher |
Licences and countries
| Country | Lendela | Postbank |
|---|---|---|
| Germany | Not confirmed |
Additional countries for Lendela: 2. Additional countries for Postbank: 1.
Where they rank in our lists
| Ranking | Lendela | Postbank |
|---|---|---|
| Personal loans | 74 of 1932 | 85 of 1932 |
| Loans for bad credit | 42 of 275 | 48 of 275 |
| Debt consolidation loans | 26 of 425 | 31 of 425 |
| Mortgages | 6 of 719 | 10 of 719 |
| Remortgage deals | 6 of 351 | 9 of 351 |
| Home improvement loans | 31 of 562 | 37 of 562 |
Where these facts come from
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
Postbank
- postbank.de: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | Lendela | Postbank |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | Lendela Pte. Ltd. | Postbank, a branch of Deutsche Bank AG |
| Headquarters | Singapore | Germany |
| Founded | 2018 | Not confirmed |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Mortgages
| Fact | Lendela | Postbank |
|---|---|---|
| Initial rate | 2.4% | Not confirmed |
| Product fee | SGD 0 | €0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | Lendela | Postbank | Median |
|---|---|---|---|
| APR | up to 48%highest quarter | 3.25% to 14.3%lowest quarter | 8.99 |
| Term | 3 to 72 monthsabove the median | 12 to 120 monthshighest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat listed.
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
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
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
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 | Lendela | Postbank |
|---|---|---|
| Germany | No | Yes |
| Hong Kong | Yes | No |
| Singapore | Yes | No |
Questions about each
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
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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