Updated September 29, 2026 · BorrowCue Editorial Team
Postbank vs Sofkredit
What sets them apart
| Compare |  Postbank |  Sofkredit |
|---|---|---|
| APR | 3.25% to 14.3%Lower | 10.74% to 18.06% |
| Loan amount | €3,000 to €80,000 | €12,000 to €300,000Higher |
| Term | 12 to 120 months | 6 to 240 monthsHigher |
| Credit check | Hard | Soft prequal |
| Funding time | A few days: review normally takes two business days, plus a few days until the money arrives | 15-20 days after approval; same day as the notary signing, about one week if documentation is sent quickly |
| 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) | a 15,000 EUR loan at 9% interest over 5 years returns a total of 21,750 EUR |
| Lender type | Direct lender | Broker |
| Eligibility | At least 18 years old and regular salary, wage or pension payments of sufficient amount; creditworthiness required | Natural or legal persons of legal age (+18) with Spanish nationality or residence, holder of a bank account; for mortgage-guaranteed loans a property must be owned, free of charges or with at least 70% of the mortgage repaid |
| Loan types | Personal, Debt consolidation, Car | Secured, Debt consolidation, Business |
| Arrangement fee | Not confirmed | 6% to 9% of the loan; on a 15,000 EUR mortgage-guaranteed loan the commission is 900 EUR minimum and 1,350 EUR maximum, charged by the collaborating lender; Sofkredit's own service costs the user nothing |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 6% to 9% |
Same on both: Credit needed (Poor), Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Postbank scores higher overall: 9.3 vs 8.6.
- Sofkredit is licensed in 1 more country.
- Sofkredit is available in 2 more countries.
- APR is lower at Postbank: 3.25% to 14.3% vs 10.74% to 18.06%.
- Loan amount is higher at Sofkredit: €12,000 to €300,000 vs €3,000 to €80,000.
- Term is higher at Sofkredit: 6 to 240 months vs 12 to 120 months.
- Loan types: only Postbank offers Personal, Car.
- Loan types: only Sofkredit offers Secured, Business.
Our verdict on each
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.
Sofkredit
Sofkredit suits Spanish borrowers who want property backed finance and can wait for a notary appointment. The headline cost is an arrangement fee of 6% to 9% of the loan, while Sofkredit's own service adds nothing beyond it.
Score breakdown
| Area | Postbank | Sofkredit |
|---|---|---|
| Cost | 9.4Higher | 8.5 |
| Offer | 9.3Breadth of the offer: €3,000 to €80,000 across 12 to 120, fixed rate with early repayment free. | 9.3Ranges cover €12,000 to €300,000, 6 to 240 and 10.74% to 18.06%, with home equity and remortgage and home improvement on the same application. |
| Trust | 9.2Higher | 8.3 |
Choosing between them
Pick Postbank if cost, trust, and apr matter most.
Pick Sofkredit if loan amount and term matter most.
Ranges side by side
| Fact | Postbank | Sofkredit |
|---|---|---|
| APR | 3.25% to 14.3% | 10.74% to 18.06% |
| Loan amount | €3,000 to €80,000 | €12,000 to €300,000 |
| Term | 12 to 120 months | 6 to 240 months |
How they place
| Ranking | Postbank | Sofkredit |
|---|---|---|
| Loans for bad credit | 48 of 275 | 2 of 275 |
| Debt consolidation loans | 31 of 425 | 2 of 425 |
| Mortgages | 10 of 719 | 1 of 719 |
| Remortgage deals | 9 of 351 | 1 of 351 |
| Home improvement loans | 37 of 562 | 2 of 562 |
Every fact side by side
| Fact | Postbank | Sofkredit |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Same day funding |
| Legal entity | Postbank, a branch of Deutsche Bank AG | Kova Finance, S.L. |
| Headquarters | Germany | Spain |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Mortgages
| Fact | Postbank | Sofkredit |
|---|---|---|
| Initial rate | Not confirmed | 8% to 14% |
| APRC | Not confirmed | 10.74% to 18.06% |
| Fixed period | Not confirmed | 0.5 to 20 years |
| Maximum loan to value | Not confirmed | 30% |
| Product fee | €0Lower | €900 to €1,350 |
| Purpose | Purchase, Remortgage | Home equity, Remortgage |
Where each stands against the rest
| Fact | Postbank | Sofkredit | Median |
|---|---|---|---|
| APR | 3.25% to 14.3%lowest quarter | 10.74% to 18.06%above the median | 8.99 |
| Loan amount | €3,000 to €80,000highest quarter | €12,000 to €300,000highest quarter | €40,000 |
| Term | 12 to 120 monthshighest quarter | 6 to 240 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 6% to 9%highest quarter | 0.25 |
Median across 1005 listed lenders.
Pros and cons
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.
Sofkredit
Pros
- Sofkredit's own service costs nothing, so the only charge to weigh is the lender's arrangement fee of 6% to 9%.
- The loan range €12,000 to €300,000 and the term range 6 to 240 suit both renovation projects and debt consolidation.
- Eligibility leans towards weaker files, with the credit needed listed as poor, and the credit check is soft prequal.
Cons
- The arrangement fee of 6% to 9% is a large share of the loan, and the product fee on a small mortgage guaranteed loan runs €900 to €1,350.
- Maximum loan to value is 30%, well below the 90% across listed lenders, so equity of your own is required.
- Sofkredit is a broker, so the contract sits with the collaborating lender rather than the site you apply through.
Who each suits
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%.
Sofkredit
Who it suits
- Spanish residents and nationals who own a property that is free of charges or has most of its mortgage repaid
- Borrowers consolidating several debts into one payment, since debt consolidation is among the secured, debt consolidation and business
- Homeowners funding renovation work, as home improvement is the main listed use case
Who should look elsewhere
- Anyone who needs money the same week without a notary appointment, against the stated funding time
- Borrowers who want to borrow more than a low share of their property's value, given the 30% cap
- Small lenders wanting a quick online application rather than the documentation and notary steps this route involves
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 | Postbank | Sofkredit |
|---|---|---|
| France | No | Yes |
| Germany | Yes | No |
| Italy | No | Yes |
| Spain | No | Yes |
Questions about each
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.
Sofkredit
What does Sofkredit charge to arrange a loan?+
The arrangement fee runs 6% to 9% of the loan and is charged by the collaborating lender. On a small mortgage guaranteed loan the commission falls within €900 to €1,350. Sofkredit's own service costs the borrower nothing beyond that lender charge.
How much can I borrow and for how long?+
Loan amounts run €12,000 to €300,000 and terms run 6 to 240, so the range is wide enough for a renovation or a debt consolidation. Terms and amounts are set by the collaborating lender rather than by the site you apply through.
Other options to compare
Other matchups
- Postbank vs Cathay United Bank
- Sofkredit vs First National Bank of Omaha
- Sofkredit vs Wells Fargo
- Sofkredit vs AffinityPlus Credit Union
- Sofkredit vs Alterna Bank
- Sofkredit vs Banco General
- Sofkredit vs BBK
- Sofkredit vs ING Germany
- Sofkredit vs AIB
- Sofkredit vs National Bank of Malawi Mo626 Digital+
- Sofkredit vs VCB Bank
- Sofkredit vs Oney Préstamos ES
- Sofkredit vs Quick Car Finance
- Sofkredit vs Prestamiau ES
- Sofkredit vs Prestamiau
- Sofkredit vs Fidea
- Sofkredit vs 5in5
- Sofkredit vs Qonto ES
- Sofkredit vs Fiesta Credito
- Sofkredit vs Fiesta Credito MX
- Postbank vs Lendela
- Sofkredit vs Creditio
- Postbank vs Commerzbank
- Sofkredit vs BriteCap Financial
- Sofkredit vs Consumers Credit Union
- Sofkredit vs Upgrade
- Postbank vs CHECK24
- Postbank vs Berliner Volksbank
- Postbank vs MoneyHero
- Sofkredit vs Nazivnost
- Sofkredit vs Smartney
- Postbank vs CitiBank AE
- Postbank vs Borrowell
- Sofkredit vs LEND.ch