Germany’s cheapest online loan now at Smava

This is the offer for all bargain hunters and bargain hunters: Germany’s cheapest online loan at an annual percentage rate of 0.99% (at € 1,500 loan amount, 36 months maturity, 0.99% bound lending rate.) A representative example in accordance with §6a PAngV it is exclusive to Smava.

But not only the price is unbeatable. Another trump card of the special offer: Germany’s lowest-priced online loan can be used by every customer on the same terms, as it is not dependent on creditworthiness. Flexibility is not indispensable – early repayment of the loan is possible at any time without additional costs.

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For example, if you need a microcredit for a mobile phone financing or other purchases, or if you would like to spontaneously go on vacation, you should take advantage of the unique opportunity now. Because Germany’s cheapest online loan can help you to realize your wishes at really minimal cost.

Get Germany’s cheapest online loan now:

How do you get Germany’s cheapest online loan?


The fixed rate is valid for a term of 36 months and a loan amount of 1,500 euros. Everyone can benefit from this special offer, regardless of whether they are employees, the self-employed or retirees. Even when using you have a free hand. Whether Germany’s cheapest online loan for the rescheduling of old loans, for a long-awaited holiday trip, for renovations or other purchases is used is entirely up to you. So now you have the chance to fulfill your projects and wishes even more favorably than before. To offer.

In a few steps to the cheapest online loan

It’s that easy:

  • In the credit comparison of Smava select a loan amount of 1,500 euros and at maturity 36 months
  • For the displayed loan offers, select the loan from “credit-preferred”
  • Complete the online loan application
  • Send the loan offer received along with an identification by the post-ID procedure
  • After checking the documents, the loan is paid out to the customer’s account

We also advertise the special offer on TV, including on channels such as Pro7, Sat1 and Kabel 1. Of course, you can also view our current spots on our YouTube channel.

Cheap Online Loans with Best Price Guarantee


The credit comparison of Smava offers you many cheaper online loans. We negotiated the particularly favorable conditions exclusively for you with our partner banks. We confirm this even with our best price guarantee.

“If you need a cheap loan quickly and easily, then you have come to the right place,” explains Alexander Artopé, managing director and co-founder of Smava GmbH. “Our offer, Germany’s cheapest online loan ‘keeps what its name promises: A credit on best terms for everyone.”

Tips on loans:

  • Legitimization check: What is it and how does it work?
  • How does the PostIdent procedure work?
  • What advantages does a second borrower have?
  • How can I save taxes with a loan or deduct it from tax?
  • Does the credit comparison affect my credit rating?
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  • Is a residual debt insurance or residual credit insurance necessary?