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Instant loans are suitable for this

Sometimes the money just has to be available quickly. Therefore, a loan with immediate approval and quick payment is particularly suitable for: 

Step by step to an instant loan

Find your cheap loan with immediate approval in four simple steps. This is how our digital application process works:  

Credit conditions

Specify the amount of instant credit you would like to apply for online. Whether it’s 1,000 euros for a new refrigerator or 30,000 euros for a car – you decide according to your needs. You can also choose the contract term flexibly – depending on the lender, 12 to 96 months or even longer terms are possible. Please note: the longer the term, the lower the monthly installments. At the same time, however, the total costs increase. It is important that the conditions fit your budget.

Your personal information

In this step, first enter your name and date of birth. You will also be asked for your contact details. This includes your email address and a telephone or mobile number where you can be reached. You must also enter your current address. Your nationality and marital status are also relevant.

Income and expenditure

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.n the third step, you compare your income and expenses. This list helps you and the lender to assess your financial situation. This ensures that only instant loans are identified that you can actually repay.

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.


Quang Dung Ta Specialist for installment loans and banking products

Examples of conditions for instant loans

Net loan amount Duration Effective interest rate Monthly rate Interest expense
30,000 EUR 96 months 4% 365,68 EUR 5,105.11 EUR
30,000 EUR 96 months 5% 379,80 EUR 6,460.57 EUR
30,000 EUR 84 months 4% 410,06 EUR 4,445.39 EUR
30,000 EUR 84 months 5% 424,02 EUR 5,617.45 EUR

Reasons for the smava car loan

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.

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

Especially when you are in financial difficulties, it is important to get the loan amount paid out quickly. With an online instant loan, you can complete all the necessary steps up to the loan conclusion online. This means that your loan application is reviewed particularly quickly and if you are approved, the money is transferred directly to your account. This means you do not have to use the expensive overdraft facility offered by your bank.


Quang Dung Ta Specialist for installment loans and banking products

This is how you can get your instant loan paid out quickly

Use 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.

Upload documents online

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.

Sign via QES

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.

Payout in 48 hours

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.

How to legitimize yourself to the lender

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-Ident procedure

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.
voraussetzungen-fuer-sofortkredite

Requirements for loans with immediate approval

In order to be as certain as possible that a borrower can repay the requested instant loan, lenders require certain acceptance criteria. This also protects you as a borrower. Because you are prevented from taking out loans that you cannot repay. These are the general criteria:

Required documents for your immediate financing

In order to check whether borrowers meet the requirements for the instant loan, a number of documents are requested. Which ones exactly vary depending on the lender. Many of our banks and partners require the following evidence:

That's why our instant loan comparison is worthwhile

You save time

First, you should check how much money you need for your project and which monthly rate fits your budget. It is important that you only set the loan amount as high as your disposable income actually allows. In the loan calculator, you can enter different loan amounts and see at a glance how the interest costs and the monthly rate change. In addition, compare your income and expenses in a household budget . This way you know how much money you have available each month to repay the loan.

Just one request for numerous offers

The monthly rate is calculated from the net loan amount and the term. The longer the term, the lower the monthly rate. However, this also increases the overall interest burden. It is therefore important that you choose a monthly rate that is neither too low nor too high. Rates that are too low cause unnecessarily high interest costs, and rates that are too high can lead to problems with repayment.

The instant loan comparison is SCHUFA-neutral

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.

Thats what our customers say

Is an instant loan possible without SCHUFA?

If your creditworthiness is moderate, some borrowers look for an instant loan despite a SCHUFA entry. This is generally possible with smava, because a note from a credit agency does not automatically mean that you will be rejected for a loan. Nevertheless, before granting an instant loan, every lender wants to make a solid and as accurate an assessment as possible as to whether the monthly installments will be paid on time and in full. For this purpose, the SCHUFA score is queried. This provides information about the payment behavior of consumers. An instant loan without involving SCHUFA at all is only reputable if another credit agency determines the creditworthiness instead. If this is not the case, it is a dubious loan offer that you should not accept. Otherwise, for example, there is a risk of hidden costs or the unauthorized disclosure of your personal data.

info

Please Note
At smava, you can compare instant financing and all other loans without affecting your SCHUFA score. This only changes when you apply for a specific instant loan by submitting signed documents. The inquiry about conditions, which is triggered by the pure comparison, then becomes a loan inquiry. This is noted by the credit agency and therefore has an impact on your SCHUFA score.

Frequently asked questions about car loans

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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:

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