Postbank Review & Experience
Bank • Loans 3.000,00 € - 50.000,00 €
💳 Apply for Postbank Loan
APR from 4.95% • Approval in 120h
Apply Now →Affiliate link • Commission-based
📊 Postbank at a Glance
General Information
- Provider type: Bank
- Rating: 8.4/10
- Legal name: Deutsche Postbank AG
- Approval rate: ~83%
Loan Terms
- Loan amount: 3.000,00 € - 50.000,00 €
- APR: 4.95% - 11.49%
- Speed: 120h
Example Calculation (APR) at Postbank
This example calculation is for orientation only. Your personal APR depends on creditworthiness (SCHUFA score), term, and loan amount.
| Loan Amount | Term | APR (Range) | Monthly Payment (approx.) | Total Repayment (approx.) |
|---|---|---|---|---|
| 10.000,00 € | 48 months | 4.95% – 11.49% | 245,16 € | 11.767,83 € |
About Postbank
Postbank is a bank for loans in Germany. As a licensed bank, it offers an additional level of security and regulation compared to alternative lenders.
With available amounts between 3.000,00 € and 50.000,00 €, Postbank is suitable for larger financial needs.
Frequently Asked Questions about Postbank
How do I apply for a Postbank loan?
Click "Apply now", fill out the online form (~5 minutes), upload required documents, and receive a decision within 120 hours. Postbank offers a fully digital application process.
What documents are required for Postbank?
For a Postbank loan you need:
- Valid ID or passport
- Payslips (last 3 months)
- Bank statements (last 3 months)
- Proof of address (registration certificate)
What are the interest rates at Postbank?
Postbank offers APR from 4.95% to 11.49%.
The exact rate depends on your creditworthiness (Schufa score), loan amount, and term.
Representative example: 8.22% APR
Is Postbank safe and regulated?
Postbankis a <strong>BaFin-regulated bank</strong> meeting the highest German consumer protection standards. All loans are subject to BaFin oversight and consumer credit law (§ 491 BGB).
Can I repay a Postbank loan early?
Yes, Postbank allows early repayment. Under German consumer credit law, lenders may charge a maximum of:
- 1% of outstanding amount (remaining term > 1 year)
- 0.5% of outstanding amount (remaining term ≤ 1 year)
What Schufa score do I need for a Postbank loan?
Postbank also accepts applicants with moderate credit scores.
Typical requirements:
- Schufa score > 90%: Best rates (4.95% APR)
- Schufa score > 80%: Standard rates (11.49% APR)
- Schufa score < 80%: Individual assessment required
Approval rate at Postbank: 83%
⚖️ Legal Information
Postbank is a BaFin-regulated bank and meets German consumer protection standards.
Official website: https://www.postbank.de
All information is sourced from the official Postbank website and is for informational purposes only. Always read the contract terms before signing. Responsible lending is mandatory in Germany. Market oversight is conducted by BaFin.
Author: Rostislav Sikora – AI Orchestrator & Loan Expert (25+ years in financial services)
Last updated: 12 January 2026