Kreditbetrag

Zum Kreditvergleich

Online loan in Germany

Loan with low interest rates - take one now!

Immediate granting of credit and disbursement of money
Viewing of non-binding credit offers
Fast and uncomplicated taking out of credit

Verwendung Kreditlaufzeit Nettokreditbetrag Zum Kreditvergleich

The loan calculator

With smava’s loan calculator you can calculate your own personal loan in Germany.

Nettokreditbetrag Euro

500 €

120.000 €

Laufzeit in Monaten

12 Monate

120 Monate

eff. Jahreszins in %

0,69 %

10 %

Kreditkosten gesamt:

16.031,46 €

Monatliche Rate

190,85 €

Zinsaufwand

1.031,46 €

Zum günstigen Angebot

Loan Comparison Tool in Germany – How it Works

Comparing terms and conditions

Comparing terms and conditions is simple with our loan comparison tool. Simply enter the amount and term you need in the calculator, and you’ll see the estimated monthly payment. Remember, the longer the loan term, the lower your monthly payments. However, the rate of interest also goes up as the loan time period gets longer. It is helpful to use a loan calculator for comparing the loan conditions of various options. For instance, you may insert different loan time periods and contrast the instalments of the loans each other. This will prevent unnecessary expenses. It is helpful to use a loan calculator for comparing the loan conditions of various options. Next, personal information must be entered. Based on this data, banks can estimate a loan that won’t be too much of a financial burden for the borrower.

Receiving credit offers

After you’ve figured out the terms and conditions by using the credit calculator and giving the required information, you’ll be shown the available offers. If you have any questions about particular offers or your loan application, you can get advice from smava’s credit experts by dialing the free number 0800 000 98 00.

Concluding a loan agreement

Once you’ve selected an online loan, the next step is to fill out an application for the loan. Just present the necessary documents and proof of your identity. The bank will then process the request straightaway.

Take out a loan with smava in 3 simple steps

Make a free inquiry for credit without obligation

Get offers for credit

Finalize a loan agreement

Zum Kredit >>

Get affordable loans online with smava

You can find loans easily on our website, whether you need a loan for a car or your next holiday. Use our comparison engine to check loan offers without leaving your home. Afterwards, you can apply online for the loan that suits you. No more searching for information in bank branches or on their websites. The smava comparison engine quickly shows you the best loan. This can save you plenty of time and money. You can also ask an unbiased expert from smava for guidance.

They will aid you in finding the correct online loan and fill out the required papers for your lender. This service is complimentary and not binding. Another advantage is that you can instantly confirm your loan prospects when using smava’s comparison service. This enables you to start budgeting immediately.

Low-priced credit in Germany

smava has teamed up with top credit institutions in Germany, providing customers with highly competitive interest rates. You’ll receive the finest loan with a low APR! Not only will you save time, but also money by comparing loans online on X1231A’s loan comparison engine.

Arguments for smava

SCHUFA-neutral & non-binding

SCHUFA-neutral

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

Free credit counselling

Free of charge

If you have any questions, please contact our credit specialists. You can reach them Mon-Fri from 8-20h.

Secure data transmission

Secure

Your data is securely encrypted and transmitted exclusively to our banks and partners

Particularly favourable conditions

Favourable

More than 20 partners and banks co-operate with smava. Thanks to the large selection, you can find particularly favourable loans.

300,000 satisfied customers

Favourable

More than 20 partners and banks co-operate with X1231A. Thanks to the large selection, you can find particularly favourable loans.

Over 16 years of experience

Experience

smava specialises in cheap loans and has been providing consumers and businesses with low-interest loans since 2007.

Multiple awards

Awards

In the past, smava has been recognised as the best credit portal and fairest credit provider.

Fast access to a favourable loan

Quickly

With smava's loan comparison you get an overview of favourable loan offers in the shortest possible time.

SCHUFA-neutral

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

Free of charge

If you have any questions, please contact our credit specialists. You can reach them Mon-Fri from 8-20h.

Secure

Your data is securely encrypted and transmitted exclusively to our banks and partners

Favourable

More than 20 partners and banks co-operate with smava. Thanks to the large selection, you can find particularly favourable loans.

Favourable

More than 20 partners and banks co-operate with X1231A. Thanks to the large selection, you can find particularly favourable loans.

Experience

smava specialises in cheap loans and has been providing consumers and businesses with low-interest loans since 2007.

Awards

In the past, smava has been recognised as the best credit portal and fairest credit provider.

Quickly

With smava's loan comparison you get an overview of favourable loan offers in the shortest possible time.

What conditions must be met

Loans are only available to adults residing in Germany who have a bank account and can show evidence of regular income. To get a loan in Germany, you need to fulfil certain requirements. Loans are only available to adults residing in Germany who have a bank account and can show evidence of regular income. Loans are only available to adults residing in Germany who have a bank account and can show evidence of regular income. Banks also require a satisfactory credit score, which they establish by checking credit history with organizations like Schufa, which is similar to the Polish Credit Information Bureau. To enable banks to verify that you meet the conditions stated above, you need to furnish the necessary documents. In most situations, you will be required to provide the documents listed below: The specific documents required may vary depending on the offer and the lending bank:

statements for your account in the last four weeks
an information form (containing information about you, as well as your work, employer and financial situation)
a copy of your ID card and a certificate of your earnings from the past 2-5 months.

You may need to give proof of registration and/or a work permit. Some banks also demand a certificate of permanent employment (around 2 years). Please check the loan offers of the relevant bank for more information.

What our customers say

Schnelle unkomplizierte Beratung und Umsetzung unserer Wünsche.

smava-Bewertung vom 11.10.2024

War mit dem zuständigen Kundenbetreuer sehr zufrieden. Versuchte das unmögliche. Aber das deutsche Internet und die Bürokratie konnte er auch nicht verbessern. Top mehr geht nicht.

smava-Bewertung vom 11.10.2024

Schnelle und und unkomplizierte Abwicklung der Antragstellung, Bearbeitung und Freigabe des Kredites. Ich werde Sie jederzeit weiterempfehlen.

smava-Bewertung vom 11.10.2024

The most common reasons for smava customers to take out a loan

smava is one of the leading comparison sites for cheap online loans and has already helped many consumers to obtain various types of financing. smava customers most often opt for an online loan because of the debt conversion. With a few clicks of the mouse, an expensive overdraft fee can be converted into an attractive loan interest rate. Other common reasons for our customers to borrow money include purchasing a flat or a car. It’s no surprise that obtaining a favourable loan for a car is especially noticeable as a means of financing it, thanks to the availability of low-cost loans. This is in contrast to obtaining an expensive loan.

Car loan with smava

With the smava comparison tool, you can find great deals on car loans, whether you’re looking for a new or used car. Getting a car loan from smava can offer many advantages. Your loan request will be processed quickly, and the money will be made available to you immediately. This means you can pay for your dream car in cash, which is typically a cheaper option than a bank transfer or paying in instalments. Depending on your negotiation skills, you could save up to 20% on the cost of your car.

Weitere Kreditarten von smava

smava bietet viele unterschiedliche Arten von Krediten an. Ob für ein Auto, eine Umschuldung oder Ihr Gewerbe – hier gibt es günstige Kredite für jeden Verwendungszweck. Darüber hinaus ist unser Kreditangebot auf verschiedene Personengruppen ausgerichtet. Ob Angestellte, Rentner oder Azubis – nutzen Sie unseren Kreditvergleich, um den passenden Kredit zu finden.

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