Direct loans

An instant loan is characterized by extremely fast processing. The goal is to disburse the requested loan amount as quickly as possible. While interest rates for instant loans should be as low as possible, there is a clear emphasis on the shortest possible time between applying for a loan and the money being credited to your account. When comparing loans at Fluxcreidi, you will find loans with low interest rates that are disbursed as quickly as instant loans.

The best places to start arranging an instant loan are local banks without branches, where applications are made and processed electronically. You will receive the loan agreement digitally and an approved electronic signature also allows for a digital signature. This saves valuable time during processing. Thanks to the fast processing, an instant loan is the fastest loan you can get.

The instant loan will be disbursed after the bank credit check has been approved. To speed up this process, the borrower can submit the necessary documents, such as payslips or bank statements, electronically. Some banks require a signed paper contract before an instant loan is disbursed, but more and more financial institutions are accepting digital signatures. By digitally signing the loan contract, the usual delivery time by mail is eliminated. This alone can speed up the disbursement of your instant loan by one or two days.

An instant loan is disbursed immediately after approval. The borrower's bank account details are usually already available, so payment can be made immediately on the day of approval.

You can shorten the processing time of an instant loan by filling out the loan application correctly and completely and submitting all the required documents immediately after submission. The bank requires payslips and bank statements to assess the loan, and if necessary, other documents. Your loan advisor will inform you in detail about the required documents. Study these requirements carefully and provide all the necessary documents. This will avoid unnecessary additional questions and shorten the processing time of an instant loan. The immediate benefit is faster approval and faster loan disbursement.

To apply for an instant loan online, simply use the short form on the website. You will find the right fields for all the important information. Simply enter your loan request and personal details in a few minutes and submit the form. You will then see the results of the instant online check immediately. If the check is positive, you will receive a personalized loan offer in your email inbox within a short period of time. Getting a loan couldn't be faster or easier.

If you want to get a loan fast, there is no other way than to apply online. You can get a loan online very quickly, with no waiting time and, best of all, no appointment is required. You can apply for a loan online at any time of the day and instant loan approval is available 24 hours a day, 7 days a week. You can also use the upload feature for important documents such as bank statements and payslips without any time limit.

If you take out an instant loan online, you can get it within 48 to 72 hours. The prerequisite is that you submit all the necessary documents immediately for approval. You can do this quickly and easily digitally, for example by taking a photo of your payslip and providing access to online banking transactions.

At Fluxcreidi you can get money quickly despite a negative Schufa rating. Our cooperation with various banks allows you to be approved even if other banks have already rejected you. A negative Schufa rating plays almost no role in the credit rating. The only important thing is that your income is sufficient for the requested loan. Here, you add up your income and your expenses. The difference is the amount you have available each month. If you have any questions or inquiries, you can always contact the friendly and competent Fluxcreidi team, who will be happy to help you quickly.

An instant loan is a loan with immediate payment that is available in your account within a few hours or days. Depending on your creditworthiness, the bank can issue you an electronic instant loan with payment on the day of application. You can easily apply for an instant loan from home and then benefit from fast online processing. You do not need to make an appointment. You can complete the entire loan application on your smartphone or computer. With Fluxcreidi, you do not have to miss out on friendly and competent telephone advice. Here you have a personal contact person who will guide you through the instant loan comparison. With Fluxcreidi, an instant loan is also available as a loan without Schufa (credit check). This means that you can borrow money even if you have a negative Schufa (credit check).

The most important requirements for an instant loan are sufficient and regular income. As a general rule, your monthly net income must be at least EUR 1,200. The more you earn, the more money you usually have left over when calculating income and expenses. If the amount is high enough to cover the monthly payments, the bank can approve the loan immediately. Most banks also require that your Schufa credit report is in order. However, there are also financial institutions that offer instant loans without Schufa. Here too, a certain level of creditworthiness is required, which means that you have to provide proof of income. However, a high Schufa score is not a requirement that you have to meet for an instant loan.