Fast Small Loans in Germany
Need quick cash? Get 500-5,000 EUR with fast approval and same-day payout options.
Compare Small Loan Offers
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Small Loan Options Compared
| Feature | Mini-Loan (30 days) | Kleinkredit (12+ months) |
|---|---|---|
| Amount | 100-1,500 EUR | 1,000-5,000 EUR |
| Term | 30-60 days | 12-36 months |
| APR | High (short term) | 3-10% |
| Approval Speed | Minutes | Hours to 1 day |
| Best For | Emergencies | Planned expenses |
Getting Fast Small Loans in Germany
Small loans fill an important gap between credit card limits and larger personal loans. Whether you face an unexpected car repair, medical bill, or temporary cash shortage, German lenders offer several options for quick financing.
Mini-Loan Providers
Providers like Vexcash and Cashper specialize in very small, very short loans. These work well for genuine emergencies when you need cash immediately and can repay within 30-60 days. The application process takes minutes with digital identity verification.
Traditional Kleinkredit
For amounts of 1,000-5,000 EUR with longer repayment terms, traditional bank small loans offer much better rates. Monthly payments spread the cost over 12-36 months. This option suits planned purchases or situations where you need more time to repay.
FAQ
What is considered a small loan (Kleinkredit) in Germany?
Small loans typically range from 500 to 5,000 EUR with terms of 6-36 months. Mini-loans (Minikredit) are even smaller—100 to 1,500 EUR with 30-60 day terms. These are designed for short-term cash needs like unexpected bills or emergency expenses.
How fast can I get a small loan?
Mini-loan providers like Vexcash or Cashper can approve within minutes and transfer funds within 24 hours. Traditional banks offering small personal loans take 1-3 days. For fastest service, use providers with Kontoblick (instant account verification) and VideoIdent.
Can foreigners get small loans in Germany?
Yes, with valid residence permit, German bank account, and proof of income. Mini-loan providers often have simpler requirements than traditional banks. Newcomers without Schufa history may qualify based on income verification alone.
What are typical interest rates for small loans?
Small personal loans: 3-10% APR. Mini-loans with 30-day terms: Very high APR when annualized (can exceed 100%) but absolute interest is small due to short term. Always check the total repayment amount, not just the APR.
Are mini-loans a good idea?
Mini-loans are useful for genuine emergencies but expensive for regular use. A 500 EUR mini-loan might cost 50-100 EUR in fees for 30 days. For recurring needs, a traditional personal loan or credit line offers better rates.
What documents do I need for a small loan?
Requirements are minimal: valid ID, German bank account (IBAN), proof of income (often just bank transaction access via Kontoblick). Some providers accept applications without payslips if your account shows regular deposits.
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