the choice of the loan term can influence the amount of the interest rate. Because with a particularly short term, there is less chance that the financing will not be repaid in full. Accordingly, the risk of default for the banks is low in this case. Therefore, particularly favorable interest rates are often granted. In the case of a long term, interest rates may turn out higher because the banks want to hedge against the increased risk of default.

You can also enter a second borrower in this step. This increases the likelihood that the application will be approved by the bank. With a second solvent borrower, the available monthly net income is taken into account by both persons. The amount of available net income is decisive for the approval of a loan application.

The credit comparison from smava shows you the various offers tailored to you in a single overview - including the relevant conditions. How to recognize your top offer at a glance.

Enter your personal data so that the banks only offer you conditions that you can actually get when you apply. To do this, you create a small online loans for bad credit household bill in which you compare your income with the expenditure. This is also an important control for you, so that you only apply for financing that exactly fits your budget.

A loan free of SCHUFA is not possible with our offer, but a loan despite a SCHUFA entry or a loan despite a bad SCHUFA - but only if a lender can be found who accepts it. Loans entirely without involving SCHUFA or another credit agency? This is also not feasible at smava.

Apply for credit
If you have decided on an offer, you can apply for it directly on the computer and receive the payment particularly quickly. After a few clicks of the mouse or after entering your data, you will immediately be shown suitable loan offers that you can apply for online.

You can easily upload the necessary documents to many lenders via the Internet by uploading documents. With most offers, it is also possible to identify yourself using the video indentifying process . To do this, you simply make a short video call in which you align your photo ID for checking in front of the camera. All you need is a tablet, PC or smartphone and a stable internet connection. The alternative is the post-identification procedure . To do this, go with your documents to the nearest post office, where your details will be checked and a confirmation sent to the appropriate bank.