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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.

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

Das gilt für die Beantragung

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

Im Zuge des Kreditantrags müssen Sie diverse Unterlagen bei der kreditgebenden Bank einreichen. Diese dienen als Nachweise dafür, dass Sie die geltenden Voraussetzungen auch tatsächlich erfüllen. Welche Dokumente genau gefordert werden, hängt von der Art der Finanzierung sowie vom Kreditgeber ab. Meistens werden jedoch die folgenden Dokumente benötigt:

Allgemeine Voraussetzungen

Kreditgeber wollen das Risiko für Zahlungsausfällen möglichst gering halten. Aus diesem Grund gelten bestimmte Voraussetzungen, die Sie als Finanzierungsnehmer erfüllen müssen. Die genauen Voraussetzungen können je nach Bank unterschiedlich sein, in der Regel sind jedoch diese Kriterien verbindlich:

Calculate your financing

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

Conditions examples

The following calculation example is intended to show you how the costs of your financing can change depending on the term you choose and the effective annual interest rate. While the monthly installments are lower with a longer term, the total costs of financing are higher.
Net loan amount Duration Effective interest rate Monthly Rate Total interest expense
20,000.00 EUR 84 months 4.0% 273,38 EUR 2,963.59 EUR
20,000.00 EUR 72 months 4.0% 312,90 EUR 2,529.06 EUR
10,000.00 EUR 84 months 4.0% 136,69 EUR 1,481.80 EUR
10,000.00 EUR 72 months 4.0%  156,45 EUR 1,264.53 EUR

McMoney customers report

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.

Legitimation for the loan

When you verify your identity, your identity and all information will be checked to ensure that no identity fraud takes place. Verification is therefore an important part of the financing application. It prevents other people from taking out financing in your name. You can have your identity confirmed in two different ways:

Post-Ident procedure

You confirm your personal data and the information you have provided by presenting a valid photo ID at a post office. You will also need the Post-Ident coupon, which you can find in your contract documents. A postal worker will check on site whether all information is correct and will immediately send a confirmation to the bank.

Video identification

Choose the video identification process if you want to carry out the identification conveniently on your computer, smartphone or tablet. All you need is a webcam and a stable internet connection. After the video call, you will receive a TAN by email or SMS, which you enter into an online form to complete the process. The lending bank will receive confirmation immediately.

3 steps to financing

Make a free & non-
binding loan request

Receive loan offers

Conclude a loan
agreement

Uses for every need

If you take out financing through smava, you can choose between different purposes. You can use your financing flexibly if you select „free use“ in the online application. In addition, the following purposes are possible via our portal:

Debt restructuring

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.

Debt restructuring

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.

Debt restructuring

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.

Debt restructuring

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.

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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