Cash loans in Germany

✓ Pros

• ✓Effective annual rate from 2.99% for good creditworthiness
• ✓Loan amounts up to €75,000
• ✓Fast payout within 1-2 business days
• ✓Established, large loan provider in Germany

✕ Cons

• ✕Rate can rise to 11.98% for weaker creditworthiness
• ✕No public details on special repayment limits or costs
• ✕Negative SCHUFA entries lead to rejection

✓ Pros

• ✓No processing fee
• ✓Free extra repayments at any time
• ✓Loan amounts up to €100,000
• ✓Flexible term from 24 to 120 months

✕ Cons

• ✕Realistic rate closer to 6.29% than the advertised best rate
• ✕Requires 6+ months job tenure and a permanent contract
• ✕No negative Schufa or CRIF entries allowed

✓ Pros

• ✓No proof of income required
• ✓No processing fee
• ✓Free extra repayments at any time
• ✓Up to €250,000 with up to three policies

✕ Cons

• ✕Only usable with a whole life insurance policy with surrender value
• ✕Loan amount capped by the policy's surrender value
• ✕No negative Schufa entries allowed

✓ Pros

• ✓No processing fee
• ✓APR from 5.29% for applicants with very good credit
• ✓Special repayments always free of charge
• ✓Long terms up to 120 months for lower monthly instalments

✕ Cons

• ✕Interest rate can rise to 12.99% APR depending on creditworthiness
• ✕Per the provider, only available from €7,500 net loan amount
• ✕Not available to self-employed people or business owners
• ✕Minimum six months' tenure with current employer required

✓ Pros

• ✓APR from 5.29%
• ✓No processing fee
• ✓Free unscheduled repayments
• ✓Terms from 24 to 120 months

✕ Cons

• ✕APR range up to 8.29% depending on creditworthiness
• ✕Not available to self-employed/freelancers
• ✕Requires open-ended employment or pension

✓ Pros

• ✓No processing fee
• ✓Attractive entry rate from 2.45% APR
• ✓Wide loan amount range from €1,500 to €65,000
• ✓Fully applicable online

✕ Cons

• ✕The advertised rate is only a starting ("ab") rate — the actual rate depends on individual creditworthiness
• ✕Detailed terms on early repayment and further fees were not visible on the offer page
• ✕No flat rate without a credit check apparent

✓ Pros

• ✓No processing fee
• ✓Special repayments of up to 50% of the balance free of charge
• ✓High maximum loan amount of up to €80,000
• ✓Specifically tailored to homeowners' needs

✕ Cons

• ✕APR can rise to 10.99% depending on creditworthiness
• ✕Designed only for property owners
• ✕No specific minimum income stated on the offer page
• ✕Actual entry rate (3.49%) higher than the figure originally recorded in our database

✓ Pros

• ✓Effective annual rate from 3.49% for good creditworthiness
• ✓Loan amounts up to €80,000
• ✓Fast payout within 1-2 banking business days
• ✓Repayment pause possible during financial difficulties

✕ Cons

• ✕Annual special repayment capped at 50% of the loan amount
• ✕No processing fee details on the terms page
• ✕No concrete minimum income thresholds stated
• ✕Rate can rise to 10.99% for weaker creditworthiness

✓ Pros

• ✓Very low borrowing rate from 0.67% p.a. for top-tier credit ratings
• ✓Effective APR from 0.68% – one of the cheapest rates in comparison
• ✓No processing fee
• ✓Long repayment terms of up to 84 months
• ✓Access to multiple partner banks through a single application

✕ Cons

• ✕The actual rate is only confirmed after an individual credit check
• ✕Minimum loan amount of €5,000 – not suitable for smaller amounts
• ✕Minimum term of 48 months, no short-term option
• ✕No information available on early repayment terms

✓ Pros

• ✓Wide loan range from €1,000 to €100,000
• ✓Flexible terms from 12 to 120 months
• ✓Effective APR from 2.99% for good creditworthiness
• ✓No processing fee
• ✓Access to multiple partner banks through a single application

✕ Cons

• ✕The actual rate is only confirmed after an individual credit check
• ✕Higher best-case rate than comparable offers with a lower "from" rate
• ✕No information available on early repayment terms