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MONEY LOAN THROUGH SCHUFA

Immediate payment, even if others have refused

25 000 € Immediate loan
72 months Fad
369 € monthly payment

Fixed nominal interest rate of 2% for the entire loan term. Effective annual interest rate: 2%. Net loan amount: EUR 2,000 to 200,000. Loan duration: 6 to 120 months. Example: Fixed nominal interest rate of 2% for the entire loan term. Effective annual interest rate: 2%. Net loan amount: EUR 25,000. Loan duration: 72 months. Monthly payment: EUR 369. Total interest: EUR 1,568. Total payment: EUR 26,568.

Cash loans: The most important features in brief

  • A cash loan is a traditional installment loan that allows for quick processing and is not tied to a specific purpose .
  • The amount of the cash loan ranges from 100 to 100,000 euros , depending on the lender and their needs.
  • The term "cash loan" is often used synonymously with the term "small loan ". Therefore, many banks only offer cash loans of up to 5,000 or 10,000 euros.
  • Cash loans are fast . You can get a cash loan within 24 hours with us.
  • In the event of short-term financial difficulties, it usually makes more sense to use a cash loan than an overdraft.
Apply directly for a preferential cash loan
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Content

Content

What is a cash loan?

Performance

Do you want to buy a new car or are you planning a long vacation ? If your financial resources are limited, a cash loan is often the right option to get the money you need. A cash loan is a traditional loan or an installment loan. Although this type of credit capital is called a cash loan, the lender, usually a bank, transfers the loan amount to your account . Depending on the amount and the provider, a cash payment can also be made.

Loan amount

The amount of the cash loan is determined individually. Cash loan offers from large banks usually start at EUR 1,000 or EUR 1,500. The direct banks we work with pay even smaller amounts. Therefore, cash loans between EUR 100 and EUR 100,000 can be obtained . However, some providers use the term "cash loan" as a synonym for "small loan", so the term "cash loan" is usually used for relatively smaller amounts.

use

Once you receive the loan amount, you are free to decide what expenses you want to cover . Cash loans are not intended for a specific purpose . Do you need to pay an unexpected bill from a workman or do you have an overdraft? Thanks to the fast process from loan application to disbursement, cash loans are ideal for such situations. We offer cash loan disbursement today !

punishment

During the repayment period, you will have to pay monthly installments , including the principal and interest. The repayment period depends on the loan amount and the amount of the monthly payment . Cash loans usually have short-term repayment periods of several years. However, in some cases, repayment periods of less than one year up to ten years can be possible.

Money loans, such as overdrafts

Since a cash loan provides readily available credit capital , an overdraft is often called a cash loan. Unlike a cash loan, an overdraft is part of a current account . The bank provides a specific credit limit for the current account, up to which the account can go into negative values. The client can use the credit limit flexibly and repay the loan so that the account is adequately covered.

No deadlines or installments

There is no specific deadline for repayments. You decide when and how much you want to repay. However, with a classic cash loan, the monthly repayments are fixed . The interest rate is also much lower . If you exceed the limit, you can pay up to 15% interest.

Interest rates are too high.

If you have a larger deficit than your credit limit allows, you will also be charged overdraft interest. This financial burden can be avoided, however. If you use your overdraft frequently, you may want to consider paying off your debt with a cash loan . This will save you interest and prevent you from going into debt.
Apply directly for a preferential cash loan
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Since a cash loan provides readily available credit capital , an overdraft is often called a cash loan. Unlike a cash loan, an overdraft is part of a current account . The bank provides a specific credit limit for the current account, up to which the account can go into negative values. The client can use the credit limit flexibly and repay the loan so that the account is adequately covered.

No deadlines or installments

There is no specific deadline for repayments. You decide when and how much you want to repay. However, with a classic cash loan, the monthly repayments are fixed . The interest rate is also much lower . If you exceed the limit, you can pay up to 15% interest.

Interest rates are too high.

If you have a larger deficit than your credit limit allows, you will also be charged overdraft interest. This financial burden can be avoided, however. If you use your overdraft frequently, you may want to consider paying off your debt with a cash loan . This will save you interest and prevent you from going into debt.
Apply directly for a preferential cash loan
Search now!

From application to payment: Step by step to your cash loan!

Step by step to get a cash loan!

Loan repayment: detailed instructions

Determine your loan amount: First,
it's important to determine your loan amount. If you have a specific expense, such as a car repair, you'll know right away how much of the loan you'll need to repay. Once you've determined your loan amount, you can influence your monthly payment by setting the loan term. A longer loan term allows you to keep your monthly payment as low as possible. Using a household budget, you can compare income and expenses and calculate your financial flexibility.

Important : Set aside a reserve for unexpected expenses. You can use the remaining amount for monthly payments. The repayment period depends on the amount of the cash loan and the payments that need to be repaid.

Compare cash loan offers using the comparison calculator: With
the simple and quick cash loan comparison at fluxcreidi.com, you can compare cash loan offers. You determine the cash loan amount and the required monthly payment. The duration is adjusted accordingly. We need your personal data for a non-binding loan application. As soon as we receive your application, we will evaluate suitable cash loan offers for you free of charge.
Get an offer:
We negotiate with partner banks on your behalf and select the best offer for you. We will send you the offer immediately so that you can make a decision in peace and quiet. Of course, you will also receive all the necessary contractual documents. You can accept or reject the loan offer. There are no guaranteed initial costs associated with comparing cash loans.
Application for a cash loan:
If you have decided to get a cash loan from fluxcreidi.com, all you have to do is sign and return the documents. To verify your identity, you must present proof of identity using the PostIdent or VideoIdent process. For this, you will need a valid passport or identity card.
Get a loan the same day:
After the bank reviews your documents, it will start disbursing. The money will be disbursed immediately after the loan is approved, so the money will be available to you the next business day – or even sooner.

Tips for cash loans: How to get favorable terms!

"There are many cash loan offers. So you shouldn't jump at the first one that comes your way, but take your time. You are committing to a contract that will be valid for several years and that you must adhere to. Therefore, careful assessment is particularly important for larger loan amounts. If you take certain points into account when planning your loan, you can get more favorable conditions and reduce your overall interest burden."

Main conditions for favorable conditions

Tip 1: Compare offers!
First of all, it is important to have an overview of the available cash loans. Of course, you can only judge whether a cash loan is expensive if you know the market. When comparing offers, take into account the actual annual interest rate, as this includes all the costs associated with the cash loan. If the interest rate is lower for the same loan amount and maturity, the monthly payment will also be lower. However, online comparison sites only show the interest rates offered under the best conditions. Use the cash loan comparison on fluxcreidi.com to ensure that you get the best deal that takes your individual circumstances into account.
Tip 2: Calculate the exact loan amount!
Tip 3: Pay attention to price and length!
Tip 4: Take advantage of special refund options!
Tip 5: Identify another debtor!

Money loan - calculate the interest rate correctly

Money loan: Calculate the interest - here's how it's done!

The cost of borrowing money is the interest rate on a loan. To find out how expensive it is to borrow money, you need to calculate the interest rate. Other terms used for this cost are interest cost or interest charges. However, they all mean the same thing. The cost of borrowing money depends on the annual effective interest rate.

This interest rate includes all costs, from the original cost of the loan to any additional fees charged by the bank. Therefore, to get a more accurate overview of costs, you should not use the nominal interest rate, also known as the nominal interest rate. This only applies to the interest accrued on the actual amount of the loan.

A cash loan is usually a traditional installment loan structured as an annual loan. Interest is calculated and accrued daily. With each installment, the interest portion decreases and the principal increases.

In our example, we are dealing with a cash loan of EUR 10,000 with a repayment period of 36 months and an effective annual interest rate of 4.9%. Therefore, the monthly interest is EUR 298.78. Therefore, the annual repayments are EUR 3,585.38. The loan is repaid after three years. The interest on this cash loan is EUR 756.14.

Example: Calculating interest on a money loan

My Level of debt Interest costs Reciprocity Monthly price
1  10,000.00  39.94  258.84  298.78
2  9,741.16  38.91  259.87  298.78
3  9,481.29  37.87  260.91  298.78
4  9,220.38  36.83  261.95  298.78
5  8,958.43  35.78  263  298.78
6  8,695.43  34.73  264.05  298.78
7  8,431.38  33.68  265.1  298.78
8  8,166.28  32.62  266.16  298.78
9  7,900.12  31.56  267.23  298.78
10  7,632.89  30.49  268.29  298.78
11  7,364.60  29.42  269.36  298.78
12  7,095.23  28.34  270.44  298.78
13  6,824.79  27.26  271.52  298.78
14  6,553.27  26.18  272.61  298.78
15  6,280.67  25.09  273.69  298.78
16  6,006.97  23.99  274.79  298.78
17  5,732.19  22.9  275.89  298.78
18 years old  5,456,306  21.79  276.99  298.78
19  5,179.31  20.69  278.09  298.78
20  4,901.22  19.58  279.2  298.78
21  4,622.02  18.46  280.32  298.78
22  4,341.70  17.34  281.44  298.78
23  4,060.26  16.22  282.56  298.78
24  3,777.69  15.09  283.69  298.78
25  3,494.00  13.96  284.83  298.78
26  3,209.18  12.82  285.96  298.78
27  2,923.21  11.68  287.11  298.78
28 years old  2,636.11  10.53  288.25  298.78
29  2,347.86  9.38  289.4  298.78
30  2,058.45  8.22  290.56  298.78
31  1,767.89  7.06  291.72  298.78
32  1,476.17  5.9  292.89  298.78
33  1,183.29  4.73  294.06  298.78
34  889.23  3.55  295.23  298.78
35 years  594  2.37  296.41  157.97
36   297.59  1.19   297.59  298.78
Total 0 756.14 10,000 10,756.14

However, it is not always possible to achieve an interest rate of 4.9%. However, with a higher interest rate, the monthly payments increase. In our second example, we assume an effective annual interest rate of 7.5%. The loan amount remains at EUR 10,000. If we extend the repayment period, the monthly payment can still be reduced .

With a repayment period of 60 months, the monthly payment is only €199.21. This means that with a longer repayment period, you have more money available each month and can better respond to changing circumstances. If you still have money left, you can take advantage of special free installments .

49 2 299.21 13.90 185.31 199.21

My Level of debt Interest costs Reciprocity Monthly price
1  10,000.00  60.45  138.76  199.21
2  9,861.24  59.61  139.60  199.21
3  9,721.64  58.77  140.45  199.21
4  9,581.19  57.92  141.29  199.21
5  9,439.90  57.06  142.15  199.21
6  9,297.75  56.20  143.01  199.21
. . . . .
. . . . .
. . . . .
50  2,113.89  12.78  186.43  199.21
. . . . .
. . . . .
59  394.84  2.39  196.83  199.21
60 years old  198,029  1.20  1198.02  199.21
Total  0  1,952.73  10,000  11,952.73

Money loan: Calculate the interest - here's how it's done!

The cost of getting the money is the interest rate on a cash loan. To find out how expensive a cash loan is, you need to calculate the interest rate. Other terms used for this cost are interest expense or interest charges. However, they all mean the same thing. The cost of a cash loan depends on the effective annual interest rate.

This interest rate includes all costs, from loan costs to fees, which are charged by the bank. Therefore, for a precise overview of costs, you should not use the nominal interest rate, also known as the loan amount. This only refers to the interest charged on the actual loan amount.

A bank loan is usually a conventional rate loan that is designed as an annuity. When calculating, the daily interest rate is calculated and accumulated. With every repayment, the interest rate sinks and the repayment rate rises.

As an example, we consider a cash loan of 10,000 euros with a term of 36 months and an effective annual interest rate of 4.9 percent. The result is a monthly payment of 298.78 euros. The annual installments are therefore 3,585.38 euros. After three years, the loan is repaid. The interest on this cash loan is 756.14 euros.

Guide: Calculate interest on a cash loan

Month Debt situation Interest Availability Monthly rate
1  10 000,00  39,94  258,84  298,78
2  9 741,16  38,91  259,87  298,78
3  9 481,29  37,87  260,91  298,78
4  9 220,38  36,83  261,95  298,78
5  8 958,43  35,78  263  298,78
6  8 695,43  34,73  264,05  298,78
7  8 431,38  33,68  265,1  298,78
8  8 166,28  32,62  266,16  298,78
9  7 900,12  31,56  267,23  298,78
10  7 632,89  30,49  268,29  298,78
11  7 364,60  29,42  269,36  298,78
12  7 095,23  28,34  270,44  298,78
13  6 824,79  27,26  271,52  298,78
14  6 553,27  26.18  272,61  298,78
15  6 280,67  25.09  273,69  298,78
16  6 006,97  23,99  274,79  298,78
17  5 732,19  22,9  275,89  298,78
18 let  5 456 306  21,79  276,99  298,78
19  5 179,31  20,69  278,09  298,78
20  4 901,22  19,58  279,2  298,78
21  4 622,02  18,46  280,32  298,78
22  4 341,70  17.34  281,44  298,78
23  4 060,26  16.22  282,56  298,78
24  3 777,69  15.09  283,69  298,78
25  3 494,00  13,96  284,83  298,78
26  3 209,18  12,82  285,96  298,78
27  2 923,21  11,68  287,11  298,78
28 let  2 636,11  10,53  288,25  298,78
29  2 347,86  9.38  289,4  298,78
30  2 058,45  8.22  290,56  298,78
31  1 767,89  7.06  291,72  298,78
32  1 476,17  5,9  292,89  298,78
33  1 183,29  4,73  294,06  298,78
34  889,23  3,55  295,23  298,78
35 let  594  2.37  296,41  157,97
36   297,59  1.19   297,59  298,78
Overall 0 756,14 10 000 10 756,14

Ne vždy se ale podaří získat úrok 4.9 procenta. However, with a higher interest rate, the monthly payments increase. In our second example, let's assume an effective annual interest rate of 7.5 percent. Výše ​​půjčky zůstává na 10 000 eur. If we now extend the loan term, it is even possible to lower the monthly payment .

When paying over 60 months, only 199.21 euros are due per month. So you have more money available for a longer period of time each month and you can also react better to new circumstances. If you still have some money left, you can take advantage of special offers for free .

49 2 299.21 13.90 185.31 199.21

My Debt situation Use Availability Monthly rate
1  10,000.00  60.45  138.76  199.21
2  9,861.24  59.61  139.60  199.21
3  9,721.64  58.77  140.45  199.21
4  9,581.19  57.92  141.29  199.21
5  9,439.90  57.06  142.15  199.21
6  9,297.75  56.20  143.01  199.21
. . . . .
. . . . .
. . . . .
50  2,113.89  12.78  186.43  199.21
. . . . .
. . . . .
59  394.84  2.39  196.83  199.21
60 years old  198,029  1.20  1198.02  199.21
Overall  0  1,952.73  10,000  11,952.73

Of course, extending the loan repayment period will result in a lower monthly payment, even at higher interest rates. Therefore, choose a repayment period that gives you enough flexibility to cover your regular monthly expenses.

Frequently Asked Questions about Cash Loans: Questions and Answers about Cash Loans

What is the difference between a cash loan and a classic loan?

What are the benefits of borrowing money?

Who is a cash loan suitable for?

What documents are required for a cash loan?

Can I repay a cash loan early?

Do I have to state the purpose of the loan?

What conditions do I need to meet to get a cash loan?

What do second loans offer in the form of a cash loan?

How long does it take to get a cash loan?

Are there any initial costs when comparing cash loans with fluxcreidi.com?

Our cash loan offers are free and without obligation. You will not be charged any upfront fees when using our services, and we will not charge you any additional fees – before or after the loan is approved.

REQUEST A FREE MONEY LOAN AT fluxcreidi.com!

You are almost done and your cash loan is already in your account . Apply for a free cash loan through our website . You must be an adult, live in Italy and have a regular income. If you do not have income, include a co-applicant who meets the criteria.

Apply for a personal cash loan today!
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Nominal interest rate 2.75-15.49% (depending on creditworthiness) fixed for the entire term. Effective annual interest rate: 2.79% to a maximum of 15.99%. Net loan amount: €1,000-100,000. Contract duration: 12-120 months. Indicative example: Nominal interest rate 7.98% fixed for the entire term. Effective annual interest rate: 8.29%. Net loan amount: €10,000. Contract duration: 72 months. Monthly payment: €175.29. Total interest costs: €2,620.68. Total payment (including all fees): €12,620.68.