Question 1

Can I really get a loan approval in 30 minutes?

Accepted Answer

Yes, a preliminary approval (pre-decision) is possible in 30 minutes! The process: Online application 5-10 minutes, automatic credit check 1-5 minutes, instant decision on screen. The final approval comes after Video-Ident and document review - this can be same day or next business day.

Question 2

How quickly will the money be paid out?

Accepted Answer

After final approval: Express payout same business day (some banks charge 25-50€ extra), standard payout within 24-48 hours. Important: Bank transfers only work on business days. If you apply Friday afternoon, payout is often only Monday.

Question 3

What do I need for an emergency loan?

Accepted Answer

For maximum speed: ID ready (for Video-Ident), smartphone or PC with camera, online banking access (for digital account check). No payslips needed - the digital account check replaces them. The better prepared, the faster!

Question 4

Is an emergency loan more expensive than a regular loan?

Accepted Answer

The base rates are identical! An emergency loan doesn't cost more than a regular installment loan. Extra costs may apply for: Same-day express payout (25-50€), optional payment protection insurance (you should decline). The fast service itself is free.

Question 5

Who can get an emergency loan?

Accepted Answer

Same requirements as regular loans: Minimum age 18, residence in Germany, regular income, no severe negative SCHUFA entries. The difference: The check is automated and therefore much faster. Complex cases may take longer.

Question 6

Can I get an emergency loan on weekends?

Accepted Answer

Application and instant decision: Yes, 24/7 possible. Video-Ident: Many providers offer service until 10pm, some 24h. BUT: Payout only on bank business days. Weekend strategy: Apply before Friday noon for same-day payout, or Sunday for Monday.

Question 7

What if the instant decision is negative?

Accepted Answer

A rejection isn't the end: 1) Check entered data for errors, 2) Reduce desired amount, 3) Try another provider (each bank has own criteria), 4) Add a second borrower. The SCHUFA-neutral inquiry doesn't hurt your score - you can try multiple times.

Question 8

What amounts are possible as emergency loan?

Accepted Answer

Typical: 1,000€ to 50,000€. For smaller amounts (up to 5,000€), processing is often faster due to less review effort. For larger sums (from 20,000€), final review may take slightly longer. The instant decision itself is fast regardless of amount.

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Frequently Asked Questions

Can I really get a loan approval in 30 minutes?+

How quickly will the money be paid out?+

What do I need for an emergency loan?+

Is an emergency loan more expensive than a regular loan?+

Who can get an emergency loan?+

Can I get an emergency loan on weekends?+

What if the instant decision is negative?+

What amounts are possible as emergency loan?+

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