Cash loans in Germany

✓ Pros

• ✓Attractive entry rate from 3.25% APR with very good creditworthiness
• ✓Additional repayments and full repayment free at any time
• ✓No early repayment penalty
• ✓Flexible term from 12 to 120 months
• ✓Fully digital application process

✕ Cons

• ✕Rate range up to 14.30% APR for weaker creditworthiness
• ✕Online loan amount capped at €80,000
• ✕No specific minimum income stated

✓ Pros

• ✓Wide interest rate range with entry rate from 3.99% APR
• ✓Free additional repayment up to 80% of the outstanding balance
• ✓Fast credit decision within a few days
• ✓Limited-time promotional loan with a favorable rate available
• ✓28-day contractual right of withdrawal

✕ Cons

• ✕Full early repayment comes with an early repayment penalty
• ✕Only for salaried employees and retirees; self-employed need a separate offer
• ✕Maximum loan amount of €75,000 somewhat lower than some competitors

✓ Pros

• ✓Rate independent of creditworthiness, no uncertainty about rate tier
• ✓Free additional repayment at any time, no early repayment penalty
• ✓Flexible term from 12 to 120 months
• ✓Loan amounts up to €100,000 available
• ✓Fast Sofort variant via digital account check

✕ Cons

• ✕APR from 6.79% notably higher than entry rate of creditworthiness-based competitors
• ✕No minimum loan amount stated on the offer page
• ✕No specific minimum income stated

✓ Pros

• ✓Automatic interest discount of 0.20 points from €40,001 loan amount
• ✓Unlimited, free additional repayments possible at any time
• ✓Clearly defined minimum income of €1,600 per month
• ✓Wide loan amount range, €5,000 to €100,000
• ✓Flexible term from 12 to 120 months

✕ Cons

• ✕Minimum income of €1,600 per month excludes lower earners
• ✕Minimum loan amount of €5,000 higher than some competitors
• ✕Rate range up to 10.99% APR for weaker creditworthiness

✓ Pros

• ✓Very low entry rate from 2.99% APR
• ✓Wide loan amount range, €1,500 to €100,000
• ✓Short minimum term from 6 months

✕ Cons

• ✕Processing fee and early repayment terms not publicly available
• ✕Specific creditworthiness and income requirements not publicly available

✓ Pros

• ✓Effective annual rate from 1.95% for good creditworthiness
• ✓No processing fee
• ✓Free special repayments within the stated conditions
• ✓Flexible terms from 12 to 96 months
• ✓Fully applicable online

✕ Cons

• ✕Effective rate can rise to 8.99% for weaker creditworthiness
• ✕Early repayment penalty possible for larger special repayments
• ✕Only available to residents of Germany

✓ Pros

• ✓Effective annual rate from 3.69% for good creditworthiness
• ✓Terms of up to 120 months available
• ✓Low-interest guarantee with €50 refund
• ✓No processing fee

✕ Cons

• ✕Special repayment possible only once a year
• ✕Special repayment capped at 50% of the remaining balance
• ✕Minimum employment duration of 6 months required
• ✕Rate can rise to 14.40% for weaker creditworthiness

✓ Pros

• ✓High loan amounts up to €100,000
• ✓No processing or account management fees
• ✓Free special repayment up to 70% of the loan amount
• ✓Long terms of up to 120 months

✕ Cons

• ✕Only available to employees with a permanent employment contract
• ✕Self-employed individuals, freelancers, and students excluded
• ✕Effective rate from 5.29% only for top creditworthiness
• ✕Early repayment penalty for larger special repayments

✓ Pros

• ✓Loan amounts from €1,000 to €80,000
• ✓Long term of up to 120 months
• ✓Special repayments possible at any time
• ✓Direct payout to your own current account

✕ Cons

• ✕Only available to customers with a current account at Frankfurter Sparkasse
• ✕Effective annual percentage rate not publicly disclosed
• ✕Salary or pension payments into the account required
• ✕Online banking use required

✓ 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