Free consultation
0221/669679- 13

Use our car financing
calculator

Compare without obligation, quickly and easily

mcmoney24.com - 4.9 / 5

To the loan comparison

Which loan are you interested in?

Free use

Free use

Free use

Free use

Free use

Free use

Calculation your loan

With our free loan interest calculator, you can calculate the terms for your desired loan without obligation. At the same time, you get an overview of how the costs of your loan change depending on the amount and term. The loan calculator also takes into account the effective interest rate, which indicates the total cost of financing. Then simply start the non-binding loan comparison and immediately receive your personal loan offers.

Monthly Rate
Loan amount
Duration
30,000
500
120,000
84
12
120
3.6
0.68
10
304.84
50
3,000
84
12
120
3.6
0.68
10
30,000
500
120,000
304.84
50
3,000
3.6
0.68
10
33,983.33
3,983.33
404.56
To the loan comparison
Repayment plan
YearInstallment payment paInterest costsRepaymentBalance
14,924.661,080.003,844.6626,155.34
24,924.66941.593,983.0722,172.27
34,924.66798.204,126.4618,045.81
44,924.66649.654,275.0113,770.8
54,924.66495.754,428.919,341.89
64,924.66336.314,588.354,753.53
74,924.66171.134,753.530

Applying for a loan at mcmoney in 3 steps

From data entry to credit approval in just a few clicks – that’s what our online application offers you. Here’s how to do it:  

Enter key data for the desired loan

To receive your personal loan offers, first provide various details about the loan you want. Specify   what you want to use the money for with the intended purpose . You can also specify your preferred loan term and the loan amount here . We can use this information to determine your personal offers. Loans with a wide range of loan amounts are possible via smava – depending on the lender, between 1,000 and 120,000 euros. You can also choose the terms flexibly (usually between 12 and 120 months). You can also enter a second borrower here. This can be a great advantage for the approval of the loan application if, for example, the loan amount is large. This is because additional income offers the bank more security.

Enter key data for the desired loan

To receive your personal loan offers, first provide various details about the loan you want. Specify   what you want to use the money for with the intended purpose . You can also specify your preferred loan term and the loan amount here . We can use this information to determine your personal offers. Loans with a wide range of loan amounts are possible via smava – depending on the lender, between 1,000 and 120,000 euros. You can also choose the terms flexibly (usually between 12 and 120 months). You can also enter a second borrower here. This can be a great advantage for the approval of the loan application if, for example, the loan amount is large. This is because additional income offers the bank more security.

Receive loan offers & complete loan application

To receive your personal loan offers, first provide various details about the loan you want. Specify   what you want to use the money for with the intended purpose . You can also specify your preferred loan term and the loan amount here . We can use this information to determine your personal offers. Loans with a wide range of loan amounts are possible via smava – depending on the lender, between 1,000 and 120,000 euros. You can also choose the terms flexibly (usually between 12 and 120 months). You can also enter a second borrower here. This can be a great advantage for the approval of the loan application if, for example, the loan amount is large. This is because additional income offers the bank more security.

Calculation examples

Net loan amount Duration (months) Effective annual interest rate Monthly Rate Total interest expense
25,000 EUR 72 4.5% 396,85 EUR 3573,25 EUR
25,000 EUR 72 4.5% 396,85 EUR 3573,25 EUR
25,000 EUR 72 4.5% 396,85 EUR 3573,25 EUR
25,000 EUR 72 4.5% 396,85 EUR 3573,25 EUR

Not every bank passes on the base rate increase to borrowers. The interest costs incurred on a loan therefore depend heavily on which bank you go to. According to the Bundesbank, anyone who simply goes to a bank pays an average of around 8 percent interest. However, there are still loans with significantly lower interest rates. Depending on the loan, this can mean several hundred or thousand euros more or less. A bank comparison helps you find the right bank.

Alexander Artopé CEO of smava GmbH

Legitimation via video identification or post identification procedure

Private loans are cheaper than overdrafts

Basically, a private loan always makes sense if you have found a good deal for a purchase or are in financial difficulty. The big advantage of a private loan is that you do not have to resort to expensive overdrafts. The interest rates for overdrafts are often in the high double-digit range. So if you want to get additional financial flexibility at a reasonable price, you are better off with a private loan with good conditions.

Private loan instead of 0 percent financing

0 percent financing does not necessarily mean that the offer is actually cheaper than a dealer-independent private loan. With dealer financing, you often have to accept hidden costs in the form of processing fees or mandatory residual debt insurance. The purchase price of the goods is often set higher from the outset if it is 0 percent financing. In addition, the financing cannot usually be paid off early. With a private loan, however, this is possible.

Reasons for the mcmoney car loan

The smava loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

The smava loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

The smava loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

The smava loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

The smava loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

The smava loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

The smava loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

The smava loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

The smava loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

The smava loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

SCHUFA-neutral & non-binding

SCHUFA-neutral

The mcmoney loan comparison has no influence on your Schufa score. With smava you can compare loans

SCHUFA-neutral & non-binding

SCHUFA-neutral

The mcmoney loan comparison has no influence on your Schufa score.

SCHUFA-neutral & non-binding

SCHUFA-neutral

The mcmoney loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

SCHUFA-neutral & non-binding

SCHUFA-neutral

The mcmoney loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

SCHUFA-neutral & non-binding

SCHUFA-neutral

The mcmoney loan comparison has no influence on your Schufa score. With smava you can compare loans

SCHUFA-neutral & non-binding

SCHUFA-neutral

The mcmoney loan comparison has no influence on your Schufa score.

SCHUFA-neutral & non-binding

SCHUFA-neutral

The mcmoney loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

SCHUFA-neutral & non-binding

SCHUFA-neutral

The mcmoney loan comparison has no influence on your Schufa score. With smava you can compare loans without any obligation.

Applying for a loan at mcmoney in 3 steps

From data entry to credit approval in just a few clicks – that’s what our online application offers you. Here’s how to do it:  

Enter key data for the desired loan

To receive your personal loan offers, first provide various details about the loan you want. Specify   what you want to use the money for with the intended purpose . You can also specify your preferred loan term and the loan amount here . We can use this information to determine your personal offers. Loans with a wide range of loan amounts are possible via smava – depending on the lender, between 1,000 and 120,000 euros. You can also choose the terms flexibly (usually between 12 and 120 months). You can also enter a second borrower here. This can be a great advantage for the approval of the loan application if, for example, the loan amount is large. This is because additional income offers the bank more security.

Enter key data for the desired loan

To receive your personal loan offers, first provide various details about the loan you want. Specify   what you want to use the money for with the intended purpose . You can also specify your preferred loan term and the loan amount here . We can use this information to determine your personal offers. Loans with a wide range of loan amounts are possible via smava – depending on the lender, between 1,000 and 120,000 euros. You can also choose the terms flexibly (usually between 12 and 120 months). You can also enter a second borrower here. This can be a great advantage for the approval of the loan application if, for example, the loan amount is large. This is because additional income offers the bank more security.

Receive loan offers & complete loan application

To receive your personal loan offers, first provide various details about the loan you want. Specify   what you want to use the money for with the intended purpose . You can also specify your preferred loan term and the loan amount here . We can use this information to determine your personal offers. Loans with a wide range of loan amounts are possible via smava – depending on the lender, between 1,000 and 120,000 euros. You can also choose the terms flexibly (usually between 12 and 120 months). You can also enter a second borrower here. This can be a great advantage for the approval of the loan application if, for example, the loan amount is large. This is because additional income offers the bank more security.

What our customers say

Information on the application process

Legitimation at the post office

You can use the Post-Ident procedure for verification, i.e. confirmation of your identity to the lender. Simply go to the nearest post office. The responsible employee on site will then check your loan documents, the Post-Ident coupon contained therein and your valid photo ID. A confirmation will then be sent immediately to the lending bank.

Upload documents online

Thanks to our digital application process, you can easily upload the documents required for your loan online. Most smava partners offer this so-called document upload in order to process and pay out loans even faster. Simply scan the documents or take a photo of them and upload them as a file.

Information on the application process

You can use the Post-Ident procedure for verification, i.e. confirmation of your identity to the lender. Simply go to the nearest post office. The responsible employee on site will then check your loan documents, the Post-Ident coupon contained therein and your valid photo ID. A confirmation will then be sent immediately to the lending bank.

Legitimation at the post office

You can use the Post-Ident procedure for verification, i.e. confirmation of your identity to the lender. Simply go to the nearest post office. The responsible employee on site will then check your loan documents, the Post-Ident coupon contained therein and your valid photo ID. A confirmation will then be sent immediately to the lending bank.

Upload documents online

You can use the Post-Ident procedure for verification, i.e. confirmation of your identity to the lender. Simply go to the nearest post office. The responsible employee on site will then check your loan documents, the Post-Ident coupon contained therein and your valid photo ID. A confirmation will then be sent immediately to the lending bank.

Do you need a cheap loan?

You can find affordable loans for every need using our loan comparison. You can simply submit your application online in just a few clicks.

Requirements and documents for a loan

There are a few general requirements for granting loans in Germany. If these are met, the lender can assume that the borrower can reliably repay the requested money. It also ensures that the borrower does not overextend himself by taking out a loan. The law thus protects both lending banks and consumers. The following criteria must therefore also be met for our loan comparison:

Experience and competence

mcmoney has been specializing in loans for more than 10 years. During this time, the company has already received several awards – including „Best Loan Portal“ (2017) and „Fairest Loan Provider in Germany“ (2017). In addition, all of our loan specialists have completed in-depth training and can therefore provide you with competent advice.

Security

Just like all lenders, smava, as a credit broker, is subject to banking secrecy. In addition, TÜV Saarland checks compliance with the applicable data protection regulations every year. In addition, certified SSL encryption ensures seamless data transmission. In addition, your information is used exclusively for your loan application and is not passed on to third parties.

Experience and competence

mcmoney has been specializing in loans for more than 10 years. During this time, the company has already received several awards – including „Best Loan Portal“ (2017) and „Fairest Loan Provider in Germany“ (2017). In addition, all of our loan specialists have completed in-depth training and can therefore provide you with competent advice.

Security

Just like all lenders, smava, as a credit broker, is subject to banking secrecy. In addition, TÜV Saarland checks compliance with the applicable data protection regulations every year. In addition, certified SSL encryption ensures seamless data transmission. In addition, your information is used exclusively for your loan application and is not passed on to third parties.

Written by Quang Dung Ta

Reviewed by mcmoney content team

Written by
Quang Dung Ta

Specialist for installment loans and banking products

Quang-Dung Ta, an experienced banker and senior key account manager at smava, has been working in the financial industry since 2016. Specializing in credit and financial products, he has in-depth knowledge of financial topics. His additional training at smava in the area of ​​installment loans qualifies him to convey practical financial content. His goal is to make complex financial topics understandable and to support readers in making decisions.

Contact: content@mcmoney24.com

Checked by
mcmoney Content Team

editior

The smava content team consists of experienced and competent professionals who carefully and conscientiously inspect and check articles on smava.de before they are published.

Contact: content@mcmoney24.com

The most important questions and answers about credit

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

Our banks and partners usually only grant car loans for amounts starting at 1,000 euros. The maximum amount for car loans via our loan comparison is often 50,000 euros – some lenders also offer higher amounts.

Maximum 48 hours. You will receive your personal loan offers within a very short time. The review of your loan application documents only takes a few working days

Maximum 48 hours. You will receive your personal loan offers within a very short time. The review of your loan application documents only takes a few working days.

The loan request with smava is free of charge.

As a rule, you will be asked for bank statements, proof of salary, self-disclosure and a copy of your ID card. If further documents are required, this will be noted in the respective loan offer.

Other loan types from smava

smava offers many different types of loans. Whether for a car, debt consolidation or your business – there are cheap loans for every purpose. In addition, our loan offer is aimed at different groups of people. Whether employees, pensioners or trainees – use our loan comparison to find the right loan. Didn’t find what you were looking for on this page? Then you might be interested in:

Copyright 2023 – MCMONEY24 GmbH

Nach oben scrollen