Postbank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

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.

Key facts

Best for
A fixed rate personal loan up to €3,000 to €80,000 for German borrowers with regular income.
APR
3.25% to 14.3% (Source, checked September 26, 2026)
Loan amount
€3,000 to €80,000 (Source, checked September 26, 2026)
Term
12 to 120 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
A few days: review normally takes two business days, plus a few days until the money arrives (Source, checked September 26, 2026)
Representative example
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) (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
At least 18 years old and regular salary, wage or pension payments of sufficient amount; creditworthiness required (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Postbank, a branch of Deutsche Bank AG (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
postbank.de

Mortgages

Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Postbank, a branch of Deutsche Bank AG (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInXfacebook.com

Pros and cons

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.
  • Help is reachable by email, phone and help centre.

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.
Postbank

Ready to try Postbank?

Scored 9.3 / 10 by BorrowCue.

Visit

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%.

How Postbank compares

Where Postbank is available

Available
Germany
Licence in Germany
Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Licence in Germany
Europäische Zentralbank (EZB), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

How long does the money take to arrive?+

Postbank is a direct lender (direct lender), so the decision sits with the bank: funding takes a few days rather than arriving straight away. The review normally takes a short window of business days, and a few more days pass before the money lands.

Can I pay the loan off early?+

Free early repayment is available, so clearing the balance sooner carries no charge. That suits anyone expecting extra income or wanting to finish before the end of the term, and it pairs well with a fixed rate model (fixed rate) because the instalment never shifts.

What credit check is used and how much credit do I need?+

The credit check is hard and the credit needed is poor, so the file you already hold matters here. A hard check applies to 72.7% of the loans tracked on this site, so expect a full search on your record.

Who can apply?+

Applicants need to be a minimum age with a regular salary, wage or pension payment of sufficient size, and the loan covers personal, debt consolidation and car in Germany. Creditworthiness is required, and because the arrangement is direct lender you apply to the bank itself.

Who regulates Postbank and what entity lends the money?+

The lending entity is Postbank, a branch of Deutsche Bank AG, and in DE it is overseen by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) as well as the Europäische Zentralbank (EZB). Loans are made by the bank itself under direct lender terms rather than through an intermediary.

How do I reach Postbank if something needs sorting?+

Support runs on email, phone and help centre, so phone and email are both available, along with an online help centre. Phone is the channel 85% of lenders here lean on most, which helps when a payment date needs moving.

What does the representative example show?+

The published example sits inside the 3.25% to 14.3% range and shows the effective annual rate above the nominal rate, with the balance spread across many instalments. The number worth watching is what you repay in total, not the headline rate alone.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee.

Postbank

Postbank

A fixed rate personal loan up to €3,000 to €80,000 for German borrowers with regular income.

9.3/10Visit

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings