Those who opt for a microcredit instead of a conventional consumer, disbursement or installment loan are in many ways at a lower risk . Firstly, the repayment period and thus the amount of interest actually paid is correspondingly low. On the other hand, you benefit from an overall better credit rating due to the short commitment of your credit.

Short maturities and small payday loans: loans up to 3,000 euros

Short maturities and small payday loans: loans up to 3,000 euros

Sudden financial bottlenecks no longer have to be a problem with our small payday loan . Because we help you with a quick credit application with no hidden costs for processing or commission . You only pay the accrued interest, which is very low due to the short term of only 30 days .

Fast microcredit with immediate payment

Fast microcredit with immediate payment

The automated application process takes just a few minutes and can be conveniently done online. Thanks to Videoident , your personal details are checked at lightning speed so that even your application changes to editing.

If you select the express option in the application process, your application will be processed even faster and your microcredit will be transferred to your account within 60 minutes . In this way, you receive an immediate real-time commitment and microcredit immediately on your loan request .

Can I repay the microcredit in installments?

So that you can make the repayment of your small payday loan even more flexible, we offer you the option of a 2-rate option . This will extend the term of your loan to 60 days. This will give you a more individual loan repayment.

* NEW * : With VexFlex you can now repay your loan in 3-6 installments . You can find more information here.

What are the requirements to apply for a microcredit online?

What are the requirements to apply for a microcredit online?

If you apply for a small payday loan up to 5,000 euros , you must meet the following criteria for a potential commitment:

The requirements at a glance:

  • Main residence Germany
  • German bank account
  • monthly minimum income (500 Euro)
  • no over-indebtedness

Do I also get a small payday loan without Bank?

For the calculation of your credit rating, we assume that the credit is of a short duration and, in contrast to other providers and banks, can also grant a credit pledge at medium Bank . For more information, please read our article on credit without a Bank entry.

However, if you are looking for a Bank-free small payday loan and would prefer to receive the microcredit without proof of income , we must unfortunately disappoint.

Frequently asked questions about microcredit

Is the small payday loan suitable for the self-employed?

Yes, because if you are a freelancer or have a self-employment, you have better chances of getting a loan than we do with traditional banks. Reasons can be read in our article Credit for self-employed and freelancers.

What are my chances for a small payday loan for unemployment or Hartz 4? Under certain conditions, such as the receipt of unemployment benefit I , you also have opportunities to get a loan from us when unemployed. Please read our article Credit for Unemployed. There you will also find out why recipients can not get loans from us.

Is the application for the microcredit accepted with a guarantee? Currently we can not consider a guarantor or accept a guarantee for your loan. However, you are welcome to inform yourself about our creditworthiness certificate and decide whether this may not be a suitable option for you. Do I get a microcredit as a student or pensioner? Yes, if you meet the minimum requirements and can show us their income accordingly, then as a student or retiree you have a good chance of getting the microcredit approved. Do I have any chances of a microcredit for personal bankruptcy or garnishment? No, we must unfortunately disappoint you if you want to apply for a microcredit in spite of insolvency proceedings or garnishment .