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Postbank
Cash loans

Privatkredit direkt

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Postbank • EUR

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5,3 / 10

Score based on rate competitiveness and popularity among users.

In brief
interest rate 3,25%
Loan amount 3 000 – 80 000 EUR
Period 12–120 mo.

Our review

Ingrid Schneider · Updated: 27 August 2026

Postbank Privatkredit direkt Reviewed

Postbank's Privatkredit direkt is an online installment loan for private individuals looking to finance a larger purchase, a renovation, or debt consolidation. The application is entirely online and is aimed at customers residing in Germany with a regular income from wages, salary, or pension.

Interest and Costs

The effective annual percentage rate (APR) ranges from 3.25% to 14.30% depending on creditworthiness. The fixed nominal interest rate p.a. ranges from 3.21% to 13.45%. Through Postbank's online channel, loan amounts up to €80,000 can be financed. In the bank's representative example, a net loan amount of €10,000 at a 9.27% effective APR (8.90% nominal rate) over 84 months results in a monthly installment of €162.

Terms and Requirements

The term can be chosen between 12 and 120 months. No separate processing fee is disclosed on the offer page. A particular strength is repayment flexibility: additional repayments, increasing the installment amount, and full early repayment are all possible free of charge at any time with the Postbank Privatkredit, with no early repayment penalty.

Requirements for approval include being of legal age and having a sufficient regular income from wages, salary, or pension. Postbank also checks the applicant's creditworthiness using Schufa data; the bank does not state a specific minimum income on this page.

Pros and Cons

  • Attractive entry rate from 3.25% APR with very good creditworthiness
  • Additional repayments, installment increases, and full repayment free of charge at any time
  • No early repayment penalty
  • Flexible term from 12 to 120 months
  • Fully digital application process
  • Rate range goes up to 14.30% APR for weaker creditworthiness, the highest in this comparison
  • Online loan amount capped at €80,000
  • No specific minimum income stated on the offer page

Verdict

Postbank's Privatkredit direkt stands out for its free repayment flexibility: additional repayments and full early repayment are possible at any time with no extra cost. The attractive entry rate from 3.25% is appealing, but the rate range for weaker creditworthiness extends up to 14.30% APR — anyone without top-tier creditworthiness should carefully compare their individual offer with alternatives.

✓ Pros

  • ✓ Attractive entry rate from 3.25% APR with very good creditworthiness
  • ✓ Additional repayments and full repayment free at any time
  • ✓ No early repayment penalty
  • ✓ Flexible term from 12 to 120 months
  • ✓ Fully digital application process

✕ Cons

  • ✕ Rate range up to 14.30% APR for weaker creditworthiness
  • ✕ Online loan amount capped at €80,000
  • ✕ No specific minimum income stated

Loan repayment calculator

3 000 EUR 80 000 EUR
12 mo. 120 mo.
Monthly payment
Total cost
Total interest
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Indicative calculation based on nominal rate of 3.25%. Actual costs depend on individual creditworthiness assessment.

Representative example

For a loan of 20 000 EUR over 48 months, at a nominal rate of 3,25% (APRC — check the bank's current offer), the monthly instalment is approximately 445 EUR, and the estimated total amount payable is approximately 21 355 EUR (including interest: approx. 1 355 EUR). This estimate excludes any arrangement fee, insurance, or other charges — check the bank's offer for the full terms and total cost of credit before signing. As of 04.09.2026.