Kostenlose Beratung
0221/669679-13

The online loan with
immediate payment

Compare without obligation, quickly and easily

mcmoney24.com - 4.9 / 5

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.

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

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.

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.

info

Tip
Private loans are often also given to business owners and other self-employed people, i.e. private loans for self-employed people. This target group is often denied bank financing due to fluctuating income. With a private-to-private loan, however, the framework conditions are more flexible and the terms can be negotiated individually.

Thats what our customers say

Thats what our customers say

Private loans: These are your advantages with smava

1You have a good chance of getting financing even if your credit rating is moderate.
2The credit comparison for private loans has no influence on the SCHUFA score.
3Flexible contract design possible – More options than with bank offers, as interest rates can be individually agreed with private lenders.
4Also suitable for people without a constant income – for example, for the self-employed.
5Over 70 financial products tailored to your personal needs – smava has been arranging loans from private individuals since 2007 and has optimally adapted its offering to the requirements of its customers.

Why is a loan from private individuals advantageous for self-employed people and freelancers?

Self-employed people often use private loans, i.e. loans without a bank, in two situations: when the current account credit is no longer sufficient to cover ongoing operating costs or when a company project needs to be financed for which the bank has refused to provide a loan . Covering ongoing operating costs is often a problem for self-employed people, as outstanding invoices situations, an emergency loan can help. This is a normal installation loan. However, an online application and digital upload of all important documents

business-postbank-desktop

Private loans from private individuals at smava

Private loans through our cooperation partners are available to both other private individuals and businesses. Small investments, e.g. of 1,000 euros, are possible, as are larger amounts, e.g. of 20,000 euros. Regardless of whether it is the new furnishing of the premises of your small business or a major project – our smava partners offer private loans tailored to your needs. Good to know: In order to offset the risk of loan default for borrowers with only moderate or even poor creditworthiness, higher interest rates are usually charged in these cases. For smava customers, this is usually still worthwhile, as without the private-to-private loan, no other financing is often possible. Banks often refuse to grant a loan in this case.

The process of private credit

From the inquiry about the terms and conditions to the loan comparison to your private loan being paid out by private individuals, you only have to go through three steps at smava. This is how our fully digital application process works in detail:

Determine key data of the private loan

Find out about a private loan online by first setting the following parameters in the smava comparison calculator: desired loan amount, term and, if applicable, intended use. Depending on the lender, we can offer financing between 1,000 and 50,000 euros for terms such as 24, 36 or 84 months. Please note: At this point, the loan search is no different from that for a loan from a bank. You only select the private loan in the offer overview, which is created based on your personal financial requirements. Enter your contact details and provide information about your financial situation. To do this, you create a household budget with smava in which you compare your income with your expenses. This way you can be sure that you are only applying for financing that suits you.

info

Tip
At this point, you have the option of adding a second borrower for your online loan. This is always worthwhile if your own income is too low, because if there are two borrowers, the monthly incomes of both people are added together.

Find private lenders and apply for P2P loans

After a few clicks, the results are displayed: Based on your personal information, the comparison calculator has determined the best offers, not only loans from private individuals, but also bank loans. Now select a private loan from the offer overview to apply for it. To do this, send the necessary documents for review to the smava partner who will arrange the loan from the private lender for you. Finally, you identify yourself either by postal identification or using the video identification process.

Payment of the loan from private

It’s done: Financing without a bank – the „person-to-person“ loan – is paid out so that you have the amount in your account promptly. For most financing requests, the payment takes no longer than two working days after successful review and approval.

info

Tip
When taking out a loan from a private individual, there is often the option of repaying the approved loan early – often free of charge, ie without any early repayment penalty or other extra payments. You can repay the loan early without any additional costs and save money.

Other loan types from smava

Anyone looking for a private loan will find what they are looking for at smava. Just like all other financial products that can be applied for via our portal, there are a few requirements for a loan approval for private loans:

info

Tip
When taking out a loan from a private individual, there is often the option of repaying the approved loan early – often free of charge, ie without any early repayment penalty or other extra payments. You can repay the loan early without any additional costs and save money.

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:

Private loan: Frequently asked questions

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.

What you need to know about loans from private individuals

Looking for private lenders? You’ve come to the right place at smava! We have been arranging loans from private lenders since 2007 and have gained a lot of experience. The questions our customers have about private loans are often similar. For borrowers: Get a loan from a private lender within a short time Anyone who decides to take out a private loan at smava will have the money in their account particularly quickly: From requesting the desired loan or the specific conditions to submitting all documents to checking and paying out the financing, it often takes no more than 48 hours.

Private loans are also attractive for private lenders Anyone who provides money as a private individual through one of our smava partners benefits from this. Only smava customers who meet all the requirements for granting a loan and have sufficient creditworthiness can apply for a private loan. The risk of default is therefore low for private lenders. Private loans are on trend                             Private loans are not only on trend at smava: According to the statistics portal „Statista“, the „credit marketplace (P2P)“ segment will record annual growth of around 66 percent in terms of transaction volume between 2016 and 2020. The number of users is expected to be around 45.3 million in 2020. For comparison: in 2015 there were around 3.7 million users.

Copyright 2023 – MCMONEY24 GmbH

Nach oben scrollen