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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.

That's what a loan without SCHUFA is all about

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.

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.

info

Notice The credit check is also a useful tool for consumers, as the credit agency protects borrowers from applying for financing that does not fit their own financial requirements.

McMoney customers report

Loan without a good SCHUFA score: This is possible with smava

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.

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.

info

Notice
Creditworthiness is determined using a so-called credit score from various credit agencies (e.g. SCHUFA) and passed on to the lender. This is less about your actual account balance and more about a balanced relationship between income and expenditure. In addition, past payment behavior plays a role in creditworthiness: Those who have always paid their bills regularly and in full will generally have a good credit score.

Calculation your 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

How does the comparison of loans without a SCHUFA inquiry work?

With just a few clicks of the mouse, you can compare cheap loan offers that suit you and your project. Use the online loan comparison and get your personal offer overview. Here’s how to do it:

With just a few clicks of the mouse, you can compare cheap loan offers that suit you and your project. Use the online loan comparison and get your personal offer overview. Here’s how to do it:

Make a request for conditions

For your loan request without affecting SCHUFA, simply call up the smava loan comparison and enter the details of your desired loan: loan amount, loan term and intended purpose. Depending on the lender, you can obtain financing between 1,000 and 120,000 euros with terms of 12 to 144 months via our portal.
Please note: The choice of loan term can influence the level of interest rate. With a particularly short term, the probability that the financing will not be repaid in full is lower. Accordingly, the risk of default for the banks is low in this case. Therefore, particularly favorable interest rates are often granted. With a long term, the interest rates may be higher, as the banks want to protect themselves against the increased risk of default.
You can also enter a second borrower in this step. This increases the likelihood that the application will be approved by the bank. This is because if there is a second solvent borrower, the available monthly net income of both people will be taken into account. The amount of available net income is crucial for the approval of a loan application.

One in three private buyers already finances or leases
Financing plays a significant role in Germany for both new and used cars. According to a population-representative study by the banking association from 2022, around 35 percent of all private cars were purchased through loans or leasing. Interestingly, the proportion for new car purchases is around 47 percent, while for used cars the financing rate is around 27 percent.
Source: Statista (2024)

Find top offer

For your loan request without affecting SCHUFA, simply call up the smava loan comparison and enter the details of your desired loan: loan amount, loan term and intended purpose. Depending on the lender, you can obtain financing between 1,000 and 120,000 euros with terms of 12 to 144 months via our portal.
Please note: The choice of loan term can influence the level of interest rate. With a particularly short term, the probability that the financing will not be repaid in full is lower. Accordingly, the risk of default for the banks is low in this case. Therefore, particularly favorable interest rates are often granted. With a long term, the interest rates may be higher, as the banks want to protect themselves against the increased risk of default.
You can also enter a second borrower in this step. This increases the likelihood that the application will be approved by the bank. This is because if there is a second solvent borrower, the available monthly net income of both people will be taken into account. The amount of available net income is crucial for the approval of a loan application.

Apply for a loan

Even if you specify „housing“ as the purpose of your online loan, our banks and partners usually offer a low interest rate. It is important that the loan is used in such a way that it maintains or increases the value of your property. This ultimately leads to better conditions and therefore to a cheaper loan.

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.

info

Notice
Creditworthiness is determined using a so-called credit score from various credit agencies (e.g. SCHUFA) and passed on to the lender. This is less about your actual account balance and more about a balanced relationship between income and expenditure. In addition, past payment behavior plays a role in creditworthiness: Those who have always paid their bills regularly and in full will generally have a good credit score.

Is there a loan despite a SCHUFA entry?

If you are looking for a loan without SCHUFA, you probably mean a loan despite a SCHUFA entry, i.e. despite a mediocre credit rating. This is because all credit institutions check creditworthiness – if not with SCHUFA, then with another credit agency. A file is created for every consumer at SCHUFA. Everyone also has a score value that is derived from characteristics stored at SCHUFA. If you have opened a bank account in Germany or even just have a credit card, this is stored in your file. In this sense, a bank will not give you a loan without SCHUFA, at most a loan despite a SCHUFA entry. In many cases, borrowers assume that the entry is bad. However, statistics show that most entries document positive payment behavior. Use the free SCHUFA self-assessment It is best to check in advance whether your score is really so bad that it will be difficult to get a loan application from a bank. SCHUFA provides a free self-disclosure several times a year. This is also possible free of charge and without obligation using our “ Score Compass “ product.
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.

In order to really help you find a loan with a SCHUFA entry, it is important that you give as accurate an overview of your financial situation as possible. Credit institutions generally only grant financing after a thorough individual assessment and so the credit advisors can only help effectively if the initial situation is known.

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:

3 steps to credit approval

Make a free & non-
binding loan request

Receive loan offers

Conclude a loan
agreement

Requirements for the SCHUFA-free loan

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.

In order to really help you find a loan with a SCHUFA entry, it is important that you give as accurate an overview of your financial situation as possible. Credit institutions generally only grant financing after a thorough individual assessment and so the credit advisors can only help effectively if the initial situation is known.

This is how lenders decide on commitment and conditions

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.

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.

info

Notice
Creditworthiness is determined using a so-called credit score from various credit agencies (e.g. SCHUFA) and passed on to the lender. This is less about your actual account balance and more about a balanced relationship between income and expenditure. In addition, past payment behavior plays a role in creditworthiness: Those who have always paid their bills regularly and in full will generally have a good credit score.

News about smava credit

C24 Bank

C24 is a multi-banking platform that combines various functions relating to banking and finance. You can find out what else…

Requirements for the SCHUFA-free loan

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.

This is how lenders decide on commitment and conditions

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.

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.

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:

This is how lenders decide on commitment and conditions

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.

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.

Deletion periods for your data

After a certain period of time, the SCHUFA data is automatically deleted, even without your intervention. This happens, for example, if:

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

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