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To the loan comparison

Calculation your loan online

You can calculate the appropriate key data for your instant loan free of charge using our calculator. Carry out as many sample calculations as you like to get a feel for how the loan conditions influence each other. Vary the term and loan amount to see exactly how the monthly rate and interest costs increase or decrease accordingly and how the overall loan costs change.

Please note that the terms and interest rates available at smava may differ from the loan calculator:
500€
120,000 €
12 months
120 months
0.69%
10%
32,062.92 €
381,70 €
2,062.92 €
To the favorable offer

How would you like to use your instant loan?

Instant loans are suitable for this

Sometimes the money just has to be available quickly. Therefore, a loan with immediate approval and quick payment is particularly suitable for:

Step by step to an instant loan

Find your cheap loan with immediate approval in four simple steps. This is how our digital application process works:

Credit conditions

Specify the amount of instant loan you would like to apply for online. Whether it’s 1,000 euros for a new refrigerator or 30,000 euros for a car – you decide according to your needs. You can also choose the contract term flexibly – depending on the lender, 12 to 96 months or even longer terms are possible. Please note: the longer the term, the lower the monthly installations. At the same time, however, the total costs increase. It is important that the conditions fit your budget.

Your personal information

In this step, first enter your name and date of birth. You will also be asked for your contact details. This includes your email address and a telephone or mobile number where you can be reached. You must also enter your current address. Your nationality and marital status are also relevant.

Income and expenditure

In the third step, you compare your income and expenses. This list helps you and the lender to assess your financial situation. This ensures that only instant loans are identified that you can actually repay.

Offer overview and contract conclusion

Based on the data you enter, we will create an individual offer overview for you. You can see all the offer details at a glance. Tip: Pay particular attention to the effective annual interest rate, as this shows the total annual cost of the loan. The instant loans in the overview are tailored to your personal and financial requirements. All you have to do is select the loan you want and apply for it directly. Once the necessary identification has been completed and you have received approval, the payment will be made.

Specify the amount of instant loan you would like to apply for online. Whether it's 1,000 euros for a new refrigerator or 30,000 euros for a car – you decide according to your needs. You can also choose the contract term flexibly – depending on the lender, 12 to 96 months or even longer terms are possible. Please note: the longer the term, the lower the monthly installations. At the same time, however, the total costs increase. It is important that the conditions fit your budget.

Specify the amount of instant loan you would like to apply for online. Whether it's 1,000 euros for a new refrigerator or 30,000 euros for a car – you decide according to your needs. You can also choose the contract term flexibly – depending on the lender, 12 to 96 months or even longer terms are possible. Please note: the longer the term, the lower the monthly installations. At the same time, however, the total costs increase. It is important that the conditions fit your budget.

Specify the amount of instant loan you would like to apply for online. Whether it's 1,000 euros for a new refrigerator or 30,000 euros for a car – you decide according to your needs. You can also choose the contract term flexibly – depending on the lender, 12 to 96 months or even longer terms are possible. Please note: the longer the term, the lower the monthly installations. At the same time, however, the total costs increase. It is important that the conditions fit your budget.

Specify the amount of instant loan you would like to apply for online. Whether it's 1,000 euros for a new refrigerator or 30,000 euros for a car – you decide according to your needs. You can also choose the contract term flexibly – depending on the lender, 12 to 96 months or even longer terms are possible. Please note: the longer the term, the lower the monthly installations. At the same time, however, the total costs increase. It is important that the conditions fit your budget.

Specify the amount of instant loan you would like to apply for online. Whether it's 1,000 euros for a new refrigerator or 30,000 euros for a car – you decide according to your needs. You can also choose the contract term flexibly – depending on the lender, 12 to 96 months or even longer terms are possible. Please note: the longer the term, the lower the monthly installations. At the same time, however, the total costs increase. It is important that the conditions fit your budget.

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

Examples of conditions for instant loans

Net loan amount Duration Effective interest rate Monthly rate Interest expense
25,000 EUR 84 months  4% 341,72 EUR 3,704.49 EUR
25,000 EUR 84 months 5% 353,35 EUR 4,681.21 EUR
25,000 EUR 72 months 4% 391,13 EUR 3,161.33 EUR
25,000 EUR 72 months 5% 402,62 EUR 3,988.88 EUR

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.

This is how you can get your instant loan paid out quickly

Use video identification procedure

With the video identification process, you can contribute to the quick processing of the instant loan. The decisive advantage of the video identification process is that you can identify yourself at any time from the comfort of your own home. The process works via video call. All you need is a laptop, a smartphone or a tablet, a stable internet connection and a valid photo ID.

Upload documents online

To do this, photograph or scan all requested documents such as the signed loan agreement and all required evidence and send them to the lender via document upload. The lender can then access all documents immediately. This speeds up the processing and the money can be paid out more quickly.

Sign via QES

A qualified electronic signature (QES) is not a handwritten signature that has to be scanned and placed in the designated place in the loan agreement. Anyone who signs digitally does not sign the loan agreement with a pen, but rather signs with a mouse click and a keystroke. This saves a lot of time and is therefore ideal for instant loans.

Payout in 48 hours

If you use all available online procedures when applying and submit your documents promptly, you can ideally have the money in your account within 48 hours. Depending on the lender and the individual case, a payout within 24 hours is also possible.

How to legitimize yourself to the lender

Video identification procedure

Simply confirm the details of your loan application and your identity via video call. In addition to your valid photo ID, all you need is a stable internet connection and a suitable device. During the call, you will be asked to show your ID document to the camera for identification. You will then receive a TAN via SMS, which you only need to enter to complete the process.

Post-Ident procedure

You can also identify yourself with your ID card and your documents (including the Post-Ident coupon) at the nearest post office. Here, a postal worker will check whether all the information is correct and all the documents are available. They will then send a confirmation to the bank. The bank will then check whether everything is correct. Payment can then be made if the loan is approved.

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:

Required documents for your immediate financing

In order to check whether borrowers meet the requirements for the instant loan, a number of documents are requested. Which ones exactly vary depending on the lender. Many of our banks and partners require the following evidence:

That's why our instant loan comparison is worthwhile

You save time

We identify the best offers on the credit market for you, and you save yourself the hassle of having to go to individual banks – no on-site appointments and no long waiting times. You can use our comparison calculator from the comfort of your own home using your PC, tablet or smartphone.

Just one request for numerous offers

With just one single data entry, smava customers receive offers from more than 20 partners and banks, tailored precisely to their own needs. In other words, with conditions that you will actually receive when you apply, given your requirements.

The instant loan comparison is SCHUFA-neutral

Whether with SCHUFA or another credit agency: If you use our comparison calculator to request terms for instant loans, this will have no effect on your credit score. This is because requests for terms are not stored by credit agencies. This is only the case if an offer is requested in writing. This is then a binding credit request.

The comparison calculator is accessible around the clock

With just a few clicks of the mouse, you can get an optimal overview of affordable instant loans at any time. You can use our comparison calculator around the clock, regardless of time and place – whether during the week or at the weekend. This means we offer you the greatest possible flexibility right from the application stage.

Thats what our customers say

Is an instant loan possible without SCHUFA?

If your creditworthiness is moderate, some borrowers look for an instant loan despite a SCHUFA entry. This is generally possible with smava, because a note from a credit agency does not automatically mean that you will be rejected for a loan. Nevertheless, before granting an instant loan, every lender wants to make a solid and as accurate an assessment as possible as to whether the monthly installments will be paid on time and in full. For this purpose, the SCHUFA score is queried. This provides information about the payment behavior of consumers. An instant loan without involving SCHUFA at all is only reputable if another credit agency determines the creditworthiness instead. If this is not the case, it is a dubious loan offer that you should not accept. Otherwise, for example, there is a risk of hidden costs or the unauthorized disclosure of your personal data.

Please note
At smava, you can compare instant financing and all other loans without affecting your SCHUFA score. This only changes when you apply for a specific instant loan by submitting signed documents. The inquiry about conditions, which is triggered by the pure comparison, then becomes a loan inquiry. This is noted by the credit agency and therefore has an impact on your SCHUFA score.

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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