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To the loan comparison

Reasons for smava

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.

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.

Fast financing when it matters

Suddenly the washing machine breaks down, the car unexpectedly needs repairs or you want to go on a spontaneous trip. Sometimes unexpected costs arise and your own budget is not always enough to cover them straight away. In such situations, an emergency loan can help. This is a normal installation loan. However, an online application and digital upload of all important documents ensure that the application process is processed quickly. Identification via video call instead of at the local post office also saves time. A decision on whether to approve a loan can be made quickly and the money can be paid out. The emergency loan is therefore important because little time passes between the application and the payment of the money.

Geprüft von smava Content TeamGeprüft vonsmava Content TeamEditor

Das smava Content-Team besteht aus erfahrenen und kompetenten Fachleuten, die gewissenhaft und mit Bedacht Artikel auf smava.de vor ihrer Veröffentlichung inspizieren und gegenprüfen.

Kontakt: content@smava.de

Geprüft von smava Content TeamGeprüft vonsmava Content TeamEditor

Das smava Content-Team besteht aus erfahrenen und kompetenten Fachleuten, die gewissenhaft und mit Bedacht Artikel auf smava.de vor ihrer Veröffentlichung inspizieren und gegenprüfen.

Kontakt: content@smava.de

Conclusion of contract by legitimation

Which documents are required to check the requirements varies depending on the lender. What applies to your loan is stated in your loan agreement. In many cases, however, the following evidence is required:

Documents for an emergency loan

So that the application for the emergency loan can be completed as quickly as possible, it is helpful if you have all the necessary documents ready from the start. This way you can upload or send them directly when you apply. If you submit all the documents immediately, you will avoid queries from the banks. These also cost time and can unnecessarily delay the payment of the loan. You should definitely prepare the following documents so that the loan application can be processed particularly quickly:
Notice Depending on the individual case, a bank may require additional documents. The purpose of the loan, the amount of the loan and any additional options are often crucial. You can find the exact information about which documents need to be submitted in the details of the respective loan offer.

Calculation your loan

500€
120,000 €
12 months
120 months
0.69%
10%
32,062.92 €
381,70 €
2,062.92 €
To the favorable offer

Find and apply for a suitable emergency loan

Make a request for conditions

The first step is to ask about the conditions. To do this, fill out the online form and provide various details about yourself and your income and expenses. This information is used to determine loan offers that are individually tailored to you and your requirements and that suit your project.

Compare loan offers and apply for an emergency loan

As soon as you have filled out and submitted the online application, you will receive various offers for emergency loans by email. Compare all the offers and consider which emergency loan is best for you. Once you have made your decision, you can apply for the emergency loan immediately online.

Conclude a loan agreement and receive money

When you use the online loan calculator, you enter the loan amount and term as well as a possible effective annual interest rate. This allows you to estimate how a change in the effective interest rate will affect the monthly installment, the interest burden and thus the total cost of the loan. How high the effective annual interest rate ultimately turns out to be depends on your own financial situation and the general conditions of the respective bank.Sign the loan agreement and submit it to the bank along with all other required documents. The quickest way to do this is of course to upload it online. Now all you need to do is identify yourself. The bank will then check your details. If all the information is correct and you meet the requirements, the emergency loan will be paid out to you.

McMoney customers report

How identity is verified

Banks and lending partners in Germany are fundamentally obliged to check the identity of all applicants. This ensures that financial transactions are not concluded for other people. This prevents the misuse of identities. Legitimation as part of the loan application therefore serves the security of both the lender and the borrower.

Video identification procedure

If you take out dealer-independent car financing , you not only benefit from good conditions. You can use the loan amount to pay for your dream car straight away at the dealer and benefit from a cash discount. This is often between 10 and 20 percent.

Post identification

With a dealer-independent car loan, you often get better conditions. Another big advantage is that you can compare different car financing options in advance. This way, you can find an offer that suits your requirements and offers favorable interest rates.

Frequently asked questions about car loans

Akkordeon Inhalt

Our loan comparison portal gives you the choice between more than 20 lenders. You can apply for a loan either from a bank or from smava partners who arrange loans from private individuals. So you decide for yourself who you borrow money from.

What interest rate you get, what the maximum loan amount is and how long the loan is repaid depends not least on your own circumstances. It is therefore not possible to say in general terms what conditions are possible. In principle, the amounts range from a few thousand euros to six-figure amounts, depending on the smava partner. The terms can be between 12 and 120 months. The effective interest rate also always depends on the individual case. Interest rates of 3 or 4 percent are quite realistic for installment loans, depending on your income.

Those who are self-employed or freelance usually have fluctuating income, which is due to the order situation. For lenders, the risk of default is therefore higher than for permanent employees or civil servants, for example. However, our portal offers you a good opportunity to borrow money despite fluctuating income. Some of our partners arrange loans from private individuals. The framework conditions are flexible and the terms can be negotiated individually. The chance of approval is therefore higher for self-employed people than with a conventional bank loan.

An entry in the SCHUFA does not prevent you from borrowing money. Every consumer in Germany has a file with Germany’s largest credit agency. So there is always a score. This can be good, moderate or bad depending on payment behavior. A positive SCHUFA file is characterized, for example, by the consumer paying their bills regularly and not using the overdraft facility at their main bank very often or not at all. Only when the creditworthiness or credit score is below a certain limit will a loan be rejected or financing from service providers not be made possible. With offers via smava, you can borrow money despite a SCHUFA entry – but not without a check by a credit agency. This is because within Germany, every lender is obliged to subject potential borrowers to a credit check.

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:

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