Top 15 Best Instant Personal Loan Apps In Germany 2022

Instant loan apps in Germany are those types of loans which don’t require too much of the documentation and are approved really quick without any asset showcase. The process is minimal and convenient compared to the traditional bank loans. Instant loan apps in Germany are also termed as personal loan OR quick loan. You can apply for personal loan online without visiting any bank or filling out long forms. It saves the lenders as well as the borrower’s time.

These short-term loans typically last between 62 days to 1.5 year. The loan amount can vary from $100 up to $5,000. The process is faster compared to the loans offered by banks. Instant loans online can get approved on the same day of application. You can apply for such loans sitting at your home or at your office

Top 15 Instant Loan Apps In Germany
Top 15 Instant Personal Loan Apps In Germany 2022

Almost everyone is eligible to apply for a personal loan without any guarantor or with bad credit history. You have to be a resident of Germany and a salaried employee of a registered company. Your age should be between 23 years old to 58 years old to apply for a personal loan.

The documents you will need to apply for instant loan apps in Germany

  1. Identity proof: You will have to submit Aadhar card, Pan Card, Driving License or Passport as your ID proof.
  2. Address proof: You will need utility bills like electricity, water or phone bill or Passport as your address proof.
  3. Photo proof: A picture of yourself as a photographic proof.
  4. Salary slips: Your latest salary slips from your employer will be required.
  5. Bank statement: You will have to submit the salary credited bank statements.

Top 15 Best Instant Personal Loan Apps In Germany 2022

Below is our comprehensive list of top 15 best instant personal loan apps in Germany for 2022.

  1. Vex cash
  2. Bon kredit
  3. N26
  4. Cashper
  5. Smava
  6. Ferratum
  7. Auxmoney
  8. Creditolo
  9. Net credit 24
  10. Maxx Kredit
  11. Finanz Check
  12. 1822direkt
  13. Tarif check
  14. Verivox
  15. Targo bank

1. Vex Cash

Top 15 Instant Loan Apps In Germany
Top 15 Best Instant Personal Loan Apps In Germany

Vexcash helps you maintain financial control in the event of unforeseen, short-term financial deficits until the next time you receive your money. Vexcash uses innovative technology and new credit criteria, thus enabling fast and reliable payment for customers with average credit ratings. Its our first pick for Instant loan apps in Germany.

Fast and paperless application processing in just 3 simple steps With the Vexcash Credit Certificate, customers who do not receive short-term credit because of their average score at traditional banks can still borrow money. Now increase the credit limit for your microcredit. There are no initial costs. No risk! Loan ranges from €100 to €3000

To apply, Click here

2. BON KREDIT

Top 15 Instant Loan Apps In Germany
Top 15 Best Instant Personal Loan Apps In Germany

They have more than 45 years of experience and are proud that they have paid out more than 100,000 loans to our customers. Bon-Kredit can find a loan for you quickly and easily, even if others have already been rejected. They are independent and therefore not required to offer the products of certain banks. This means that you can always get your loan with a loan wherever you want.

To find the optimum offer, they compare the conditions of a maximum of 20 different banks.They accept your application for a loan online around the clock. Filling in the form only takes five minutes. After submitting, sit back and let them do the work. Its our second pick for instant loan apps in germany.

With Loan Loan you get loans from 500 to 100,000 euros on fair terms and with extremely fast payouts. Payday Loans without Schufa are also possible. They can view your financing on the basis of a realistic monthly income of 1,300 euros. You can get loans from €100 to €300.000

To apply, Click here

3. N26

Top 15 Instant Loan Apps In Germany
Top 15 Best Instant Personal Loan Apps In Germany

Receive an instant quote on a loan between € 1,000 and € 25,000 directly in your N26 app. Register digitally and get paid directly in your N26 account. There is no paperwork – N26 Credit gives you more without hassle. Its our third pick for Instant loan apps in Germany.

Money on your own terms Easily manage payment plans ranging from 6 to 60 months. The choice is yours – monthly payment starts at € 18, which means you are in charge. A few clicks away from an offer Let’s do the hard work. They make an offer based on your profile and credit history.

To apply, Click here

4. Cashper

Top 15 Instant Loan Apps In Germany
Top 15 Best Instant Personal Loan Apps In Germany

Cashper is always evolving! Since 5.7.2017, existing customers can borrow more money, namely up to 1500 euros. For us it is very important that our customers take out a loan to our greatest satisfaction. Its our fourth pick for Instant loan apps in Germany. Due to our latest development, you as an existing customer can borrow more money and easily repay your loan in two installments.

1500 Euro credit for existing customers They have developed this option especially for our existing customers.You can also request a loan from Cashper for higher loan amounts up to 1500 euros.

To apply, Click here

5. SMAVA

Top 15 Instant Loan Apps In Germany
Top 15 Best Instant Personal Loan Apps In Germany

Smava is Germany’s online comparison portal for online loans. From a wide range of credit offers, consumers receive free credit and a cheap credit within seconds. With the credit comparison, private consumers and business customers will find favorable offers from leading banks and private investors with private credit, who support financing projects of any kind.

The credit price comparison of smava is suitable for all groups of people and for every purpose, such as a car loan. Whether you want to renovate your house or plan a rescheduling: decide for yourself how you can use your installment loan. By working with specialized banks, all smava customers have the best conditions for any type of loan, such as: a loan for pensioners or a personal loan.

To apply, Click here

6. Ferratum

Top 15 Instant Loan Apps In Germany
Top 15 Best Instant Personal Loan Apps In Germany

Ferratum Bank is a subsidiary of Ferratum Group, a pioneer in financial technology and an international provider of mobile consumer credit. Its our sixth pick for Instant loan apps in Germany.

Ferratum offers fast, easily available and secure banking, credit and investment services, both online and via mobile devices. Ferratum’s slogan “More than money for everyone” is a promise of fast, clear and confidential lending to all our customers around the world, regardless of their location. You can get loans from €50 to €2000

To apply, Click here

7. Auxmoney

Top 15 Instant Loan Apps In Germany
Top 15 Best Instant Personal Loan Apps In Germany

With auxmoney you can register for free within a few minutes to register your cash advance online. This only requires the input of some data, as well as the choice of the loan amount and the duration. auxmoney will then check your creditworthiness to offer you a fair interest rate. Its our seventh pick for instant loan apps in Germany

If you opt for the loan, you can receive the advance on the money from private investors and pay a small commission after payment.The money can be in your account within 48 hours. The repayment of your instant loan takes place in monthly installments and starts the payment the following month. If you decide against the loan, or if you cannot offer a loan, there are no costs for you. As a borrower you can choose your loan amount up to 50,000 euros.

To apply, Click here

8. Creditolo

Top 15 Instant Loan Apps In Germany
Top 15 Best Instant Personal Loan Apps In Germany

Creditolo.de Loan professional with TOP ratings and 5-star loan advice. Without costs. Since 12 years. Financial range from EUR 100 to 1,000,000 Free loan application for your individual loan application amount. Complete the loan request fully and accurately.

Their guarantee: credit without costs! They will find the best offer for you, free of charge at our partner banks. Fill in the loan request, they take care of the rest! Credit is that simple. Complete the loan request and that’s all!

To apply, Click here

9. Net Kredit 24

Top 15 Instant Loan Apps In Germany
Top 15 Best Instant Personal Loan Apps In Germany

They help you find a suitable loan between 100 and 50,000 euros. All you have to do is fill in a short form on their website with your contact details, loan amount and repayment period. We will find the loan that suits you best and offer you the right loan – for free.

First enter the desired loan amount, the repayment period, your e-mail address and your mobile phone number. They have various instant loan offers at your disposal, and you can freely decide which loan you want to apply for. The money is usually transferred to your bank account 1-3 days after approval of the loan.

To apply, Click here

10. Maxx Kredit

Top 15 Instant Loan Apps In Germany
Top 15 Best Instant Personal Loan Apps In Germany

Maxxkredit is one of the largest national credit bureaus and therefore our customers can always count on fast, competent and reliable advice and processing their questions. In the past 10+ years they have been able to help many interested parties with successful instant loans.

Take advantage of the opportunity to receive a financing offer with attractive interest rates and a favorable duration within 24 hours. Many interested parties look for credit with their bank, depending on the financial situation an individual financing proposal is created there. They offer loans from €1,000 to €10,000,000

To apply, Click here

11. Finanz Check

Top 15 Instant Loan Apps In Germany
Top 15 Best Instant Personal Loan Apps In Germany

FINANZCHECK.de is your first address for a fast and independent online loan! Here you will find the best conditions for your new installment loan: you can see at a glance which financing fits you easily and directly. They make the subject of searching for a loan easy for you: the move to another city, the consideration of rearranging an old loan that you want to replace or your own four walls that need to be renovated. Its our 10th pick for Instant loan apps in Germany.

The circumstances are as varied as the use – and to find the right loan, they are for you at FINANZCHECK.de! Their credit is free for consumers, competent and customer-friendly – they take the time to look after you: they advise and help you get the most out of your financial plan. Loan amount ranges from €10 to €10,000,000

To apply, Click here

12. 1822direkt

Top 15 Instant Loan Apps In Germany
Top 15 Best Instant Personal Loan Apps In Germany

Bank 1822direkt is a part of the well-known Sparkasse bank in Germany. At 1822direkt, you can get a loan between 2,500 EUR and 50,000 EUR.

The duration of the loan varies between 12 months and 120 months.

Customers of the bank have a higher chance of receiving a personal loan and with better conditions. You can become a customer by opening one of the bank accounts with 1822direkt. In fact, some of them are free and provide great benefits!

To apply, Click here

13. Tarifcheck

Top 15 Instant Loan Apps In Germany
Top 15 Best Instant Personal Loan Apps In Germany

On the platform Tarifcheck, you can compare a wide range of loans and credits in Germany (including with no SCHUFA). Tarifcheck.de has been around since 2001 and is one of the largest comparison platforms in the country. Its our 13th pick for Instant loan apps in Germany.

The process is super easy; you just need to specify the desirable loan duration and amount. The conditions are very favorable, including:

  • Interest rate between 0,68% – 5,99%
  • Loans up to 100,000 EUR
  • Loan term between 12 – 120 months
  • High success rate

To apply, Click here

14. Verivox

Top 15 Instant Loan Apps In Germany
Top 15 Best Instant Personal Loan Apps In Germany

Verivox is the largest German platform for loans, electricity & gas, car insurance, and internet deals.

Loans up to 100,000 EUR with a duration of up to 10 years are available. All inquiries via Verivox are SCHUFA-neutral.

When picking your loan, pay attention to the annual percentage rate (effektiver Jahreszins) and the nominal interest rate (Sollzins).

Features of Verivox:

  • Interest rate starts from 0.0%
  • 100% digital, no submission of documents
  • Same-day processing incl. money withdrawal is possible
  • Special repayment
  • Payment pauses possible
  • SCHUFA-neutral

To apply, Click here

15. Targo Bank

Top 15 Instant Loan Apps In Germany
Top 15 Best Instant Personal Loan Apps In Germany

A personal loan from TARGOBANK can help you meet your diverse financial needs – be it easy finance for a holiday, medical emergency, cash to buy a gadget or repaying old loans to improve conditions (beneficial interest rates).

  • Interest loan from 1.75% per year
  • credit amount from 1,500 up to 65,000 EUR, to free disposal
  • period 12 to 96 months
  • monthly rate starting from 50 EUR
  • financial standing required.

TargoBank offers a simple way to get a personal loan online with minimum paperwork. Its our last pick for Instant loan apps in Germany.

To apply, Click here

Frequently Asked Questions (FAQs) About Top 15 Best Instant Personal Loan Apps In Germany

How Can I Get Instant Loan In Germany?

If you are in need of a quick loan in Germany, you can refer to Cashper, a highly rated financial online service. With Caspher, you can request a loan of up to 1.500 euros with a duration of 30 or 60 days. At the time of writing, they even offer the 30-day duration as an interest-free loan!

Can We Take Loan In Germany?

To become eligible for a loan, you must be at least 18 years old. If you want to request a loan from a bank in Germany, you should be registered in Germany and hold a German bank account. Obtaining a loan is harder if you can’t prove a steady income. This might be the case for students or freelancers.

Can I Get A Loan As A Foreigner In Germany?

Yes, it is possible to obtain a personal loan or credit in Germany as a foreigner. This counts for expats as well as students. You do however need to have a residence in Germany and need to be registered here (“Anmeldung” or “Meldebescheinigung”)

How Much Loan Can I Get In Germany?

German residents can borrow up to 80% of the property value. Non-residents can be limited to approximately 55–60% of the assessed value. Borrowers must also have an annual income in excess of €20,000. What’s more, your monthly mortgage payments can never exceed 35% of your monthly income.

How Can I Get Cash Advance or Loan Apps In USA, UK, Canada OR Australia?

In need of an instant loan apps in Nigeria? You can apply through any of the top loan apps in Nigeria and get funded within few hours.

If you are in United States of America (USA), you can also apply for an emergency cash advance loan even if you have a poor or bad credit rating. If you need the top and best Apps For No Credit Check Loans Guaranteed Approval Direct Lender, CLICK HERE.

These Top 10 Best Instant Loans No Credit Checks Guaranteed Online Approval are also highly recommended.

If you are in Canada, these 10 cash advance loan apps could meet your emergency and quick cash loan request.

For instant, payday, emergency or advance cash loan if you are in Australia, CLICK HERE.

If you are in the UK, Click Payday Loans for our 22 best payday loan direct lenders.

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