Are you planning to take a personal or home loan in Germany and looking for the best bank with low interest rates? Choosing the right bank can help you save a significant amount on repayments. To make your decision easier, we’ve compiled a list of the top 5 banks in Germany offering the most competitive loan rates in 2025.
🇩🇪 1. DKB (Deutsche Kreditbank)
Interest Rate: From 3.5% p.a.
Loan Types: Personal Loans, Home Loans
Website: dkb.de
Why Choose DKB?
DKB is one of the leading online banks in Germany and is known for its transparent loan structure and low processing fees. Whether you need a small personal loan or a large mortgage, DKB offers flexible repayment options and an easy online application process.
✅ Online banking convenience
✅ No hidden charges
✅ Environmentally friendly paperless process
🇩🇪 2. ING Germany (ING-DiBa)
Interest Rate: Starting at 3.19% p.a.
Loan Types: Personal Loans, Car Loans
Website: ing.de
Why Choose ING Germany?
ING Germany, part of the global ING Group, is a customer favorite for personal loans. It offers low rates, quick approvals, and no processing fees. The bank also allows early repayment without penalty, which is perfect if you want to close your loan faster.
✅ Quick online approval
✅ Transparent interest calculations
✅ Great for debt consolidation
🇩🇪 3. Commerzbank
Interest Rate: From 3.49% p.a.
Loan Types: Personal Loans, Mortgage Loans
Website: commerzbank.de
Why Choose Commerzbank?
Commerzbank is one of Germany’s major traditional banks with a strong presence both online and offline. It’s ideal for first-time borrowers and those who prefer in-person financial guidance. Their loan products are flexible, with personalized repayment plans.
✅ Trusted nationwide bank
✅ Excellent customer support
✅ Flexible loan durations
🇩🇪 4. TARGOBANK
Interest Rate: Starting from 3.2% p.a.
Loan Types: Personal Loans, Auto Loans
Website: targobank.de
Why Choose TARGOBANK?
TARGOBANK offers flexible loan terms and is known for its repayment holidays – allowing you to pause payments in case of financial difficulty. It’s also suitable for people with average credit scores looking for better loan options.
✅ Option to defer repayments
✅ Competitive fixed interest rates
✅ Helpful customer service
🇩🇪 5. HypoVereinsbank (HVB – UniCredit Bank AG)
Interest Rate: From 3.3% p.a. (home loans)
Loan Types: Mortgage Loans, Construction Loans
Website: hypovereinsbank.de
Why Choose HVB?
Part of UniCredit Group, HypoVereinsbank is highly rated for its mortgage and housing loans. Whether you’re buying your first home or building a new property, HVB offers tailored loan solutions with low long-term interest rates.
✅ Great for homebuyers
✅ Strong financial advisory services
✅ Long loan durations available
Final Words
Germany offers a wide range of trusted banks with low-interest loan options. While online banks like DKB and ING Germany are popular for their speed and transparency, traditional institutions like Commerzbank and HVB bring stability and strong customer support.
Before choosing a loan, always:
- Compare interest rates
- Understand the terms and conditions
- Check for any hidden fees or penalties
With the right bank and loan structure, you can achieve your financial goals without unnecessary burden.