Kostenlose Beratung
0221/669679-13

Use our car financing
calculator

Compare without obligation, quickly and easily

mcmoney24.com - 4.9 / 5

To the loan comparison

Calculate your small loan

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

What do you want to use your small loan for?

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

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

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.

Confirm identity via video call

The entire process from comparing different loan offers to taking out the loan can be done online. This means you don’t have to visit a bank branch. Instead, after completing the online application, you will receive an overview of different offers for a car loan. This way, you can compare without obligation and take out the right offer from the comfort of your own home.

Qualified electronic signature (QES)

By specifying a purpose, you can benefit from low interest rates on your car loan. The bank can register the vehicle as security and sell it if you default on payment. The proceeds can then be used to pay off the outstanding loan costs . This is why the terms for a car loan are more favorable than for a loan without a specific purpose.

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:

Sample calculations for your small 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:

Purchase price Down payment Duration Cash discount Interest rate Monthly rate Credit costs
20,000 EUR 2,000 EUR 60 20% 4% 265.20 EUR 15,911.88 EUR
20,000 EUR 4,000 EUR 72 20% 5% 206.14 EUR 14,842.31 EUR
30,000 EUR 2,000 EUR 60 20% 4% 412.53 EUR 24,751.81 EUR
30,000 EUR 4,000 EUR 72 20% 5% 334.98 EUR 24,118.75 EUR
40,000 EUR 2,000 EUR 60 20% 4% 559.86 EUR 33,591.74 EUR
40,000 EUR 4,000 EUR 72 20% 5% 463.82 EUR 33,395.19 EUR

Reasons for mcmoney

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.

Advantages of applying via our portal

Legitimation at the post office

Upload documents online

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:

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:

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.

Copyright 2023 – MCMONEY24 GmbH

Nach oben scrollen