Need money today? No problem. Apply for your small payday loan with an express option until 3 pm and still have the money in your account today Apply for a small payday loan online Simply and conveniently apply for your mini credit online via smartphone, tablet or PC. Get instant instant confirmation For your small payday loan, you will receive the promise or rejection in real time.
You really just need some money on the fast and do not want to commit to a long-term loan? Then you only borrow as much money as you need and pay back the loan after just 30 days of repayment.
What is a small payday loan anyway?
A small payday loan is a loan with a short term and a low loan amount which is repaid after 30 days, usually with the next payroll. Anyone over the age of 18 with main residence in Germany and a German checking account can apply for a mini credit. For the grant Small Lender also requires a regulated income of at least 500 euros.
Enjoy all the benefits of mini-credit and stay flexible in your financial and living situation. Calculate now for free and without obligation your wish loan.
Your loan request will not affect your Bank score. The credit certificate allows you to obtain a loan approval even with a medium Bank entry. The specially developed software rates the default risk for a small payday loan differently than for an installment loan with a longer term.
What does a small payday loan provider do anyway?
small payday loan providers issue loans for a short period of time. Due to the fact that the amount of the loan is very low, there is no risk of over-indebtedness and the short term does not result in high interest payments.
Stay worry-free with our mini-credit benefits
small payday loans: Borrow money like among friends
- transparent conditions
- no fees for early repayment
- just the loan amount you actually need
- no costs
- low interest rates
- individual listening times selectable
The lower the loan amount and the term, the lower the cost of the small payday loan. Convince yourself of this with the help of our overview of small payday loans.
|loan amount||300 €||400 €||500 €|
|running time||30 days||30 days||30 days|
|Debit interest for 30 days||3,27 €||4,36 €||5,45 €|
|redemption amount||303,27 €||404.36 €||505.45 €|
For a small payday loan with Small Lender you pay only 5.45 € back. This is already worthwhile as an alternative to the discretionary credit.
A small payday loan for 30 days – many possibilities
Whether it’s a dental bill or a small purchase, small payday loans are a small financial aid if you want to spontaneously borrow a small amount until the next salary is transferred to your account.
Of course, you can also pay the loan comfortably in 2 installments or 6 installments. Design the loan exactly as you wish. Our other services can be found here.
Immediate payout: How do I transfer the small payday loan immediately to the account?
Need urgent money and do not want to wait until tomorrow to pay? For such purposes, you can make an express credit by booking the express option from your mini-credit. If all necessary documents are available by 2 pm on weekdays, the money will be directed to your checking account by flash transfer. So in urgent cases, benefit from our immediate payment , when you need to earn money.
What do you need to apply for a small payday loan online?
Everyone can apply for a mini credit from the age of 18 with their main place of residence in Germany and a German checking account. For the grant Small Lender also requires a regulated income of at least 500 euros.
All requirements at a glance:
- Checking account at a German bank
- German primary residence
- Over-indebted excluded
- regulated income of 500 EUR at least
The application for the small payday loan in three steps
1. Determine loan amount and term Determine the loan amount and the term using our small payday loan calculator. You can decide individually how much you need and until when you pay off the sum. The loan calculator uses your settings and the annual percentage rate to calculate the borrowing rate and the total amount. 2. Fill in the form online Now the online form can be filled out. For this, the personal data are requested. The next step is to prove the income situation on the basis of which the loan approval is decided. 3. Perform verification To simplify the small payday loan application, you can identify yourself using the VideoIdent process. For this you need a valid ID document. Within minutes, you will be verified for mini-credit.
What are the costs of mini-credit for me?
We do not charge any administration fees , processing fees or commissions . You only have to pay the accrued interest. Interest rates remain very low due to the short maturity of 30 days. With a loan amount of 150 euros and a term of 30 days, the total repayment is 151.64 euros. The borrowing rate in this example amounts to a favorable 1.64 euros. If you have also added the express option or the installment option, you will be reimbursed for these additional costs.
Is the small payday loan also offered for the unemployed, students or pensioners?
Yes, even as a student, trainee, pensioner or unemployed you have the opportunity to get a loan online. It is important that you have a fixed monthly income of at least € 500 and are not over-indebted .
Frequently Asked Questions about Mini-credit?
Do low earners get a small payday loan approved up to 1000 Euros?
Normally, approval of a loan requires regular, good income. Low earners such as part-time workers or students have a lower chance of getting a loan from traditional banks.
At Small Lender, on the other hand, there is a small payday loan for everyone. Although a regular monthly income is required for the approval of a loan, but the grant is already possible from a merit of 500 €.
Can I get the small payday loan without proof of income?
In order to get a loan approved, certain proofs are always required. Whether it is a proof of income, a bank statement or a tax document remains to be examined individually.
Is it a problem when I am in probation?
With Small Lender, the payment of an instant loan is possible even if you are still in the probationary period. It is only important that you prove a regular income of at least 500 Euro.
Will the unemployed receive a small payday loan?
Recipients of unemployment benefit 1 also have the chance to receive a small payday loan from Small Lender. However, an individual examination takes place for this purpose. For recipients of unemployment benefits 2, the situation looks different. Hartz 4 recipients usually have no chance to get a loan.
Do students, apprentices and students have a chance of a small payday loan?
We as mini-credit providers are also there for young people. Students, trainees and low-income students receive a loan if they demonstrate a minimum wage of 500 euros per month.
How does a small payday loan for the self-employed work?
Self-employed as well as permanent employees have the opportunity to get a loan from Small Lender. Entrepreneurs and young entrepreneurs with a monthly income of at least € 500 simply place an online small payday loan application and receive their money after a positive examination.
Can I apply for a loan despite the Bank entry?
Even with medium credit ratings, Small Lender has the chance of a positive credit application. So it is also possible to get an online small payday loan with Bank entry.