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To the loan comparison

Calculate your desired personal loan

Use the personal loan calculator to determine your affordable financing. Whether for your next vacation, wedding, or moving house – we offer suitable personal loans for every project. The loan amount, term and effective annual interest rate affect the monthly rate and the interest burden. To better understand this connection, simply use our personal loan calculator. Using various sample calculations, you can determine the appropriate key data for your advance financing. You will then receive a concrete overview of offers via our online application.

Which loan are you interested in?

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Possible conditions for your personal loan

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

Get your personal loan in just a few steps

Click through the short online application and you will receive an overview of offers tailored to your needs. This way you can apply for your cheap personal loan in just a few minutes. Here’s how it works:

Determine conditions for the private loan

In the first step, you determine how high your personal loan should be and over what period you want to repay the loan. Depending on the financing partner, smava offers loans between 1,000 euros and 120,000 euros. You can also adjust the term to suit your needs. Repayment periods of between 12 and 96 months are usually possible – some lenders also offer 120 months. You then specify what you want to use the money for by specifying the intended purpose. At this point, you can also enter a second borrower to increase the likelihood of your personal loan being accepted.

Enter personal data

In the second step, your personal and financial requirements (including income, job and living situation) and your contact details are requested. Your personal and financial requirements are relevant for the overview of offers for the various private loans. This is because all offers are tailored to your information. This means that you will only be shown loan offers for which you have a chance of being approved.

Receive & complete individual offers

Confirm your request and, with just a few clicks of the mouse, you can view suitable private loan offers that you can apply for directly online. All relevant details (e.g. effective annual interest rate) are displayed for each loan. This way, you can see at a glance where you can save. When it comes to the effective interest rate, it is important to note that this includes not only the nominal interest rate, but also all other costs. This means that you can also compare private loans that are made up of different cost factors. This makes our loan comparison transparent and fair. To take out your private loan, all you have to do is submit your documents and confirm your identity to the lender.
risikien-kredit-mit-schlussrate

Fast legitimation thanks to video identification process

To confirm your identity to the lender and complete the loan application, you can use the video identification process. With this identification option, you simply confirm your identity using the camera on your computer, tablet or smartphone. To do this, you need a stable internet connection and your valid ID card or passport. Alternatively, you can also use the post identification process and identify yourself with all documents and the post identification coupon at a post office. If the loan is approved, the payment is made immediately.

This is important before taking out a loan

Requirements for private loans

When financing, the lender must ensure that the borrower can repay the loan applied for. This serves to protect the bank and the borrower themselves. Therefore, there are a number of acceptance criteria that must be met. Within Germany, these are the basic legal requirements for granting a loan: being of legal age, living in Germany and having a German bank account, regular income and a good credit rating. This is determined by SCHUFA, for example. The decisive factor for the credit score is past payment behavior. Consumers who always pay back their bills regularly and in full therefore have a good credit rating.

Compare income and expenses

In addition to the credit score, it is important for creditworthiness that the freely available monthly income matches the current and future expenses for the personal loan applied for. To determine this, fill out a small household calculation in the online application, in which, for example, the monthly income and regular and irregular expenses are entered. Based on this data, cheap personal loans are determined for you – tailored precisely to you and your financial needs. You will therefore only be shown personal loans that are feasible for you.

Reasons for mcmoney

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.

These are the advantages of the private loan comparison

Different uses

In the first step, you determine how high your personal loan should be and over what period you want to repay the loan. Depending on the financing partner, smava offers loans between 1,000 euros and 120,000 euros. You can also adjust the term to suit your needs. Repayment periods of between 12 and 96 months are usually possible – some lenders also offer 120 months. You then specify what you want to use the money for by specifying the intended purpose. At this point, you can also enter a second borrower to increase the likelihood of your personal loan being accepted.

Experience and security

In the second step, your personal and financial requirements (including income, job and living situation) and your contact details are requested. Your personal and financial requirements are relevant for the overview of offers for the various private loans. This is because all offers are tailored to your information. This means that you will only be shown loan offers for which you have a chance of being approved.

Large selection & exclusive conditions

Confirm your request and, with just a few clicks of the mouse, you can view suitable private loan offers that you can apply for directly online. All relevant details (e.g. effective annual interest rate) are displayed for each loan. This way, you can see at a glance where you can save. When it comes to the effective interest rate, it is important to note that this includes not only the nominal interest rate, but also all other costs. This means that you can also compare private loans that are made up of different cost factors. This makes our loan comparison transparent and fair. To take out your private loan, all you have to do is submit your documents and confirm your identity to the lender.

Thats what our customers say

In these cases, a private loan is particularly worthwhile

Private loans are cheaper than overdrafts

Basically, a private loan always makes sense if you have found a good deal for a purchase or are in financial difficulty. The big advantage of a private loan is that you do not have to resort to expensive overdrafts. The interest rates for overdrafts are often in the high double-digit range. So if you want to get additional financial flexibility at a reasonable price, you are better off with a private loan with good conditions.

Private loan instead of 0 percent financing

0 percent financing does not necessarily mean that the offer is actually cheaper than a dealer-independent private loan. With dealer financing, you often have to accept hidden costs in the form of processing fees or mandatory residual debt insurance. The purchase price of the goods is often set higher from the outset if it is 0 percent financing. In addition, the financing cannot usually be paid off early. With a private loan, however, this is possible.

Frequently asked questions about personal loans

If you compare the terms and conditions for several private loans with smava, you do so without affecting your credit score. This is because a request for terms and conditions is not relevant for the score. With us, you compare private loans and all other financing options in a SCHUFA-neutral way. This only changes when you make a binding application for a specific private loan, i.e. submit signed documents. A credit request is then made, which is registered with credit agencies such as SCHUFA.

In principle, you can apply for your loan for free use and use the money however you like. However, it may be worth specifying a specific purpose, as this often means you get better conditions.

There are no private loans without a credit check from reputable providers in Germany. This is because when a lender provides money, they always have to check how likely it is that the amount will be repaid. It does not matter whether it is a small sum in the three-digit range or a private loan of 5,000 euros or more. There is also a legal obligation to carry out a credit check to protect the borrower. This prevents them from taking out loans that do not fit their own budget. Offers that do not carry out a credit check are therefore dubious and should not be applied for.

You may be able to get a loan through smava despite having a SCHUFA entry. In addition, not only negative payment behavior is noted in your SCHUFA file, but positive entries can also be found there – for example, if you make regular payments and have properly managed credit cards. By having a positive payment history, you increase your chances of being approved for a loan.

Bank statements from the last four weeks are often requested. In addition, some lenders require a copy of both sides of your valid photo ID. Depending on the individual case, you may also be asked for a registration certificate. A copy of the employment contract is often requested, particularly for new entrants to the job market or employees on probation. Wage and salary statements are also important (usually for the last 2 to 5 months). Other income from secondary employment, pensions, child benefit, rental income or maintenance payments are also relevant. Pensioners and retired civil servants present the most recent pension certificate or salary statement. Depending on the lender and the intended use, other documents may be required. What these are is stated in your loan agreement.

Self-employed people usually have fluctuating income. This often makes it difficult to take out a loan from banks, as they prefer a regular income. That’s why we also cooperate with partners who offer loans from private individuals. More flexible conditions apply, which self-employed people benefit from. In addition, the conditions can be negotiated individually.

If you apply for your personal loan for free use, no collateral is usually required. In this case, a regular income is sufficient. If you finance a car, the lender is the legal owner of the vehicle until it is fully repaid. So you only have a right of use for the time being. The bank will keep the vehicle registration document as security. When financing construction work in or on your own home, the property serves as security for the lender.

In these cases, a private loan is particularly worthwhile

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.

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