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To the loan comparison

How would you like to use your instant loan?

Cornerstones for credit calculation

Adjust the loan amount to your own budget

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.

Find a suitable term

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.

Specify a possible effective interest rate

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.

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

Calculation examples

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

info

Notice
Which conditions are possible depends on your financial and professional situation. Our examples can therefore only give you a first impression. For specific offers that match your personal requirements, use our  non-binding online application  .

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:

Calculate, compare and complete credit online

Once you have determined the conditions that are right for you using the loan calculator, you can go straight to the non-binding loan comparison. To do this, add your personal details to the key data for your loan. So that we can determine individual loan offers for you, we need your income situation and your professional status, among other things. You can also specify a specific purpose for your loan. Once you have completed the online application, you will receive your personal loan offers within a few minutes. You can see at a

glance which offer offers the greatest savings potential and best suits your financial situation. Compare the terms of the offers without obligation. Once you have decided on the loan you want, simply conclude the loan agreement online. In the last step, you send the documents to the lender and confirm your identity. If the loan is approved, the money will be transferred to your account within a few days.

Your advantages with our online loan calculator

Clear

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.

Individually

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.

Always avaliable

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.

Free and without obligation

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.

Would you like to receive suitable loan offers?

After the calculation, you can use our free loan comparison for individual loan offers. Simply fill out the online application.

Specific loan calculators for car loans & debt consolidation

Debt consolidation loan calculator

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.

Car loan calculator

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.

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.

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

Thats what our customers say

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:

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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