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To the loan comparison

Reasons for the mcmoney car loan

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.

This is how lenders decide on commitment and conditions

Debt restructuring

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.

Debt restructuring

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.

Debt restructuring

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.

Debt restructuring

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.

What our customers say

What our customers say

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.

4 tips for even more time savings

Tip 1: Have the necessary information ready

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.

Tip 1: Have the necessary information ready

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.

Debt restructuring

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.

Debt restructuring

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.

Calculation example for a car loan via smava

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

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

Calculate your car loan

 
Cash discount
Interest rate:
Monthly rate:
Credit costs:
Bank loan
119,54 €
10,041.48 €
Dealer financing
143,01 €
12,013.18 €
With a bank loan you save:
1,971.70 €

Calculate your car loan

general requirements

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:

Required Documents

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.

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.

Free consultation

0221/669679-13

Free consultation

0221/669679-13

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.

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.

The most important questions and answers about credit

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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.

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.

Compare SCHUFA-neutral loans

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.

Compare SCHUFA-neutral loans

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.

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.

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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