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Smava determined your creditworthiness. This was done based on your personal data and what credit investigation companies have stored about you.
Including your loan request data loan amount, period, use , a record has been created. This record has been matched fully automated with all condition tables of partner banks Deutsche Bank, Postbank, ING-DiBa, among others and thus made a preliminary request as to whether the bank would grant you and pay the loan.
The good news: In 50 per cent of cases, one or more banks that would pay a loan were found through the Smava-comparison.
If one does it convincingly well, one can get a loan from one or more private lenders. However, the payment takes place through Smava.
The interest rates are usually higher here, but especially for freelancers , self-employed and start-ups , this is a real opportunity to get access to external financing.
Some people, however, have a very bad creditworthiness or it cannot be determined due to too little data — for example, if one is still very young and has not yet been sufficiently investigated by the credit investigation companies or one lives in Germany only since recently.
This is a pity. That means for you: If you assess your own creditworthiness as not so good, a loan inquiry through Smava is a good and free opportunity to find out.
You do not lose anything, you can only win! Since Smava cooperates with many different banks, there are differences in the loan formalities, of which we cannot describe all of them here.
However, there is something really great:. Once you have sent the loan application for the purpose of calculation and comparison and the first results are present, you get a telephone call from a Smava loan advisor.
If you send your loan request at night, the call will take place on the next day. Also on weekends! State the income correctly and as accurately as possible.
Since you may be asked to submit or upload proof later, it makes no sense that you state a higher income than you can prove. If you enter exact numbers, you indicate that you deal well with money!
Do not forget to state possible further income, apart from the salary. It is generally known that the prospects for a good loan interest rate rise, the better the own creditworthiness.
The own income is an important factor for the creditworthiness rating. However, remember that this must be proven on request. Often, this is possible through bank statements.
Of course: The interest rate is always the price for the risk, which the bank has to face. If two people are responsible for a loan, the bank considers that the risk decreases.
Some people only get a loan approval due to the current creditworthiness rating, if they state a second person.
This is often the case with young people start-up professionals , who have to move due to the training place and want to take a loan for the establishment of the new apartment.
It also applies to people, who live in Germany only since recently, but have relatives, who are here for some time and have already built up a creditworthiness.
Insider tip: If you are self-employed, freelancer or start-up, then always enter the person who has a steady job first.
The second person is asked to state the professional status! And no matter how good you are as an entrepreneur, banks always regard economically self-employed people as a higher risk.
That means that your loan would become more expensive or perhaps you would not get any — or not the desired amount. State existing loan s. All current loans must be indicated in the online form.
In Germany, there is the Schufa with a central loan register. If you conceal a loan and one finds information on an existing loan, it looks bad for you, because you were dishonest with your data.
Existing loans are not a problem, as long as there is still enough money to repay the new loan and the living. If this sum is enough for living — the bank uses a blanket model, which takes into account children, among others — it looks very good with a new loan.
Are our advices helpful for you? Then I would be glad, if you would rate this page at the end with 5 stars as a recognition of our effort and you can also recommend it as a source of information.
Thank you very much! If you want, you can start the loan application process again with a lower loan amount. This has already helped quite often!
You can start the process several times at Smava within the next few days, without suffering any creditworthiness losses , because the Schufa query as well as the data from the other agencies are already available and do not need to be requested again.
Even if you should try it with another loan intermediary later, all your activities at Smava here, 30 banks were requested internally look like one single loan condition request!
We would be happy to answer your questions about the loan through Smava via the comments feature. Feel free to use this feature to inform other loan seekers about your tips or experiences with Smava.
The goal is to help loan prospects to get the best possible loan in Germany. Obviously, you have read this information page until the end — Are you now ready to start a non-binding and free loan request to find appropriate offers?
Thank you for the great description! If I sign up today and apply for the loan, when can I expect the payment?
The assessment of your loan application, as well as the creation of one or several loan offers is in any case completed within 48 hours. Now, it depends on how well and fast you cooperate.
It is legally required that you make the legitimating. This is done generally through the PostIdent procedure at every German post branch office.
At some banks — you know from the article above that Smava does not only grant own loans, but also mediates loans to various banks — this is even possible via video-chat.
This saves even more time. In most cases, proof of salary can be uploaded online or sent by e-mail. If you do not have this possibility, you can also send it by mail.
On average, it takes a week from the online application until you have the money in your current account. Therefore, you should start on time!
Your question comes at the right point of time, because since today, Smava has something new that you might like: Kredit2Go! If your desired loan amount and your creditworthiness fit into the Kredit2Go program, then you receive the payment within 24 hours!
Kredit2Go is a special program in order to pay loans to borrowers even faster. For this to work, a lot was standardized.
Proof of salary and income do not have to be submitted in this fast program. The creditworthiness is checked digitally using Schufa and other information services.
From this and the quite favourable interest rate, one can see that the program is designed for people with a good to very good creditworthiness.
If your creditworthiness is average or if you do not have a creditworthiness assessment of yourself, you can still apply for the Kredit2Go.
You can do this through the link: smava. If you do not fit into the Kredit2Go program, you will get other loan offers in the best of cases. It may be that the interest rate will be a little higher.
Interest rates generally depend on the creditworthiness and usually reflect the estimated risk of the loan bank.
If everything works in your favour, you will get a loan approval online quite fast. Now you only have to make the legitimating.
You can do this through the webcam similar to Skype. As soon as this is done, the loan will be paid.
Generally, the money is in your bank account on the following day. Does that help? I wish you lots of success with your plans! Through you, I drew my attention to the possibility of favourable loans on the Internet — well, I have already heard of it before.
But which provider should one choose? I have stated my desired loan amount and tried different terms at the calculation, then I registered created something like a user account and filled the fields for the personal data.
Suddenly, my phone was ringing and a friendly loan advisor of Smava was calling. This was quite a surprise for me, however, it was helpful, because we filled the remaining fields together.
Sometimes, one is not completely sure about filling a form. After the calculation — there were two offers — he has counseled me, where to submit the loan application.
This worked very good. There was not even a query by the bank. Only the legitimating had to be made and then the money was paid. The first debit entry of the instalment already took place.
I am very satisfied, because I was able to make a little dream come true at very favourable conditions. If there are loan advisors available, then Smava really calls already during the filling of the online loan application.
One has determined that mistakes at the filling can be avoided this way. This increases the chances of getting a loan! If it is during the night hours, one can also fill the online application.
The call will then take place on the following day. One was able to organize loans through these conversations, because a personal chat opens more possibilities.
The requirement for this consultation is that you register see our instructions above and provide data of your desired loan, as well as of your person contact data, etc.
I have applied for a loan in the amount of Euros 25,, I already have Euros 5, loan and I still have 18 instalments.
I also have two mobile phone contracts and repay my cell phones in instalments until October , but I have not specified this information in the application.
Could this complicate my loan application? Do I get a loan? Can they reject my application, because I have not mentioned any information about my cell phones?
I kindly ask for an answer. Do you want to increase a loan, which was organized through Smava? If it did not go through Smava, it makes sense to register first at Smava see above in the article and enter the necessary information completely.
If no mobile phone contracts are asked for, then you do not need to enter them. You can find out who your personal credit counsellor is in the logged-in area.
So: If not done yet, register at Smava or log in as an existing customer and contact the Smava counsellor from the online account.
I wish you all the best! Hello, in which language is the procedure performed? I would like to take a loan for the equipment of my apartment.
Unfortunately, my German is very weak. The contract language of the loan is in any case German. The application form too. If you are lucky, you already get a Smava phone call, while filling the application.
Please ask politely if you can speak with someone in English. Sometimes, someone is immediately available, otherwise an appointment for another phone call in English can be arranged.
It is important to start the online application first, so that the first data is available at Smava. I make a contact with Smava loans and they offer me Please what can I do with the papers?
The best would be to give Smava a call and let them explain the form and the papers to you. They will gladly talk in English with you.
Just bear in mind, please, that at banks in Germany, German is the language for contracts and communication, which is why the loan agreements are done in German as well.
Anyway, at Smava you have professionals on your side, and they will gladly help you. Best of luck! Is it possible to get another loan?
In principle, yes. Smava is exactly the right contact. They can manage repost, divide, increase credit … but it all starts with the input of personal data, so that you have a basis for the next steps.
How long does it take to be credited? Smava — or the loans organized by Smava — are paid out within days, depending on the provider.
The interest rate depends more and more on the personal credit rating. The best way would be to compare the interest rates between the providers who would finance one at all.
Hello, I have submitted the loan application through smava. Now, is it only a matter of the evaluation of the application and the ID-card, and then the money is paid out?
You have 4 banks that want to finance you due to what you have submitted through Smava. If there are no changes of your data in the short term and no false information has been provided, then you can assume that you will have the money in your account within an average of one week.
With the help of the Smava support, it works almost always very, very well. So just get started, sign the loan contract and send it back immediately.
Good day. I speak a little German, but badly. Can I get a loan? I work officially, Euros 1,, the contract is unlimited. If you can make it through the online application above, we have translated the most important fields for you and you can ask for help from friends, who speak German better , then you have made the first step.
As mentioned above, in the optional phone call with Smava, you can ask for someone to speak to you in your language.
Whether you get a loan or not, does not depend on your language ability, but on the creditworthiness check. For this purpose, please provide the correct information in the online application.
Good luck. I do not quite know how to fill the loan application. I have already received an offer from Kredit2day, I even called the provider and I said that I would like to have the conversation in Polish language.
Unfortunately, I was not forwarded, neither was I given another appointment. Unfortunately, I cannot speak German.
Please remember that our site and translation tools make it easier for Polish-speaking people in Germany to understand such terms and procedures.
If you do not speak German at all, it is probably not the best idea to sign a loan agreement with a German bank. The contract language is German and you would sign something without having the chance to even understand it.
Tip for following readers: First of all, always speak in German with the customer service of Smava, even if it is not faultless.
That does not matter. The loan intermediary must feel that you can basically deal with the German language.
For a better understanding, it is then possible to switch to another communication language. If there is currently no Polish speaking advisor, a call back appointment will be arranged.
Good evening! I am new here and I have never taken a loan. That is a risk. However, I would like to get information. I am interested in the following: Which monthly rate and which interest applies at a term of 30 months?
Thank you. You do not have to enter a second person. You can do this optionally in order to increase the probability of a loan approval being a couple, for example.
If you live alone, it makes little sense. Usually, loans are granted on an annual basis in Germany. So 24 or 36 months.
However, at many banks you can repay early special repayment. You receive a concrete offer, directly adjusted to your personal data, if you go through the application process.
I submitted a loan application with the help of Smava and was shown 4 offers. I chose one, then I signed the documents and sent them back.
Online, my documents were also confirmed. If I got this offer, does that mean that this bank will certainly grant me the loan, right?
And if I have signed the contract and sent it back, then is my application still being analyzed, or will I certainly get the loan and now I just have to wait patiently?
The likelihood of your loan approval is now very, very high. In principle, the proof of salary is now only checked, whether your details in the calculation tool are the same… and in order to receive the payment, you have to sign the loan contract.
Hello, I am trying to get a loan in the amount of Euros 5, But I have one question: Will we be responsible for this loan together or only me as a borrower?
Of course, he has filled the application himself, because he knows the language well, but I do not know exactly how it works. I kindly ask for your answer.
Both are responsible for the repayment of the loan. If there is no joint account, only the monthly installment will be debited from one person anyway.
In practice, that works very well. However, if one agrees to be entered as a second borrower as a favour, one has to know that if the first borrower fails, one has to pay!
I have a question that may be repeated, but I would like to ask it anyway: I have quite high net incomes, about Euros 2,, and I have already received 3 offers, from which I have chosen one and this was sent to me by e-mail.
Does that mean that my loan has already been audited by the Schufa? Now it is all about signing the loan contract and that the documents to be submitted or uploaded confirm your data.
Hi, the Dutch company for which I work opened a branch in Germany for which I am working now. I am already working for this company 10 yrs but very short for the German branch.
Also not living in Germany for long period, when can I apply for a loan? How long I need to live in Germany….
Thanks Erwin. That depends on the bank. For some, 1 month is enough, others want to see 2 years. Am I eligible to apply? I have submitted a loan application last weekend.
After 3 minutes, I received a call. A nice woman explained everything to me and she said that if I send my last two payslips and my employment contract, then I could get the money in the account until Sunday.
Is that possible? Without doing anything at the post office? Yes, that is possible. However, only at a few providers and at the own loans from Smava.
This is granted to persons with an above-average creditworthiness. Legally, the loan contract takes place, of course, otherwise no payment would take place.
The site logo and layout have been redesigned to reflect this change. Smava said p2p loans will be continued to be on offer and the new products bank loans added will give the borrower more choices.
With the current change Smava:. The question is not if Smava will continue p2p lending the announcement said they will , but rather if Smava will continue development on that offer.
That is unlikely since little happened in the last years. My assumption is that Smava keeps p2p lending on offer mostly for PR and marketing purposes.
It allows Smava to position itself as different to loan brokers and loan comparison sites and keep a little of the image of financial innovation attached to the site.
German laws require a banking license to hand out loans. For all new loans after Dec. Smava feels that Fidor is a great match and praises the integration advantage Fidor offers with its web APIs.
The change does not bring any immediate benefits for lenders other than a unlend money will now earn 0. Smarchive, the fourth startup pitching at German marketplace Seedmatch see earlier coverage on Seedmatch raised , Euro in less than 3 days.
The pitch originally was for 50K, but was oversubscribed to the maximum possible amount K. In the UK the market the surrounding conditions for the emerging p2p equity market get better and better.
From April investors in eligible startups will be able to claim 50 percent income tax relief on a maximum investment of , GBP per year.
The minimum required investment is just GBP per startup. The British government will also ease some of the restrictions of the current EIS scheme.
Maybe an idea to be copied in other legislations to foster startup foundation? ThisisMoney has two 1 , 2 long articles on the failure of Quakle and risks associated for lenders with p2p lending in general.
While not wrong, the articles oversimplify some things. Not a bad advice, but with the association and the market so young, I see that as a bit of limiting, possibly excluding any new entrants that might launch.
German p2p lending service Smava has raised 4 million Euro in a new round. Smava also joins in on Italian p2p lending service Prestiamoci saying that Smava aims to grow to a leading European p2p lending service.
This is actually the second start Smava undertakes for European expansion. Smava Poland was merged after a rather short time in operation with another Polish service.
In its press release Smava stresses its successful growth.Pressekontakt: Tel. Welche Bank einen Kredit trotz Kurzarbeit gewährt, lässt sich am einfachsten mithilfe eines Kreditvergleichs über ein Kreditportal ermitteln. Franziska - 2. Der Service durch Smava hat Veteran Bedeutung eine langwierige Suche nach passenden und guten Konditionen erspart Wer Hat Gewonnen Deutschland Oder Italien alles super mit euch, Super Hilfe und Beratung. Ein nettes schreiben der Bank das wir angeblich falsche Daten übermittelt hätten. Seitdem penetrant Werburg für Kredite, Kredite, Kredite.
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