Apply online for up to 2,000 euros, fast payout | with and without KSV

Apply online for up to 2,000 euros, fast payout | with and without KSV

Here you will find an online comparison and background information on small loans . In addition, we highlight the two companies Cashper and Cashpresso, which are represented on the market .

  • Online Comparison Cashper and Cashpresso
  • background knowledge
  • Cashper (up to 600 euros despite KSV entry, with successful repayment 1,500 euros in the follow-up loan )
  • Cashpresso (up to 1,500 euros cash or 2,000 euros online shopping)

Small loans are particularly suitable for students and apprentices who need quick money for small purchases , but still do not want to or may not take a larger loan. Unemployed people may also receive a loan here – in contrast to other bank providers. This comes at a price: High cash interest rates and high fees in addition to Cashper’s interest. The details can be found in the sections of each provider.

You will also find details on our other pages

  • Mortgage / home loans
  • Installment loans (up to 65,000 €)
  • credit
  • current accounts

 

 

mini loans at our partner Smava.

What is the KSV?

What is the KSV?

The Credit Protection Association of 1870 (KSV) is a private, leading creditor protection association of Austria, with the aim to protect economic operators from financial damage and thus to promote their liquidity.

The KSV offers international business information, debt collection services or representation in insolvency proceedings. 70 percent of the economic information is already retrieved online.

(Source: Wikipedia, 2017)

Therefore, those who have negative KSV entries will generally have a harder credit. An exception is Cashper. If you have a KSV entry, you may still receive a mini loan here. Test yourself if you receive a small loan …

 

Interest rate & costs at the provider Cashper:

Interest rate & costs at the provider Cashper:

  • The borrowing rate is a maximum of 7.95%.
  • If a term of 60 days is desired instead of a period of 15 or 30 days, 39.00 Euro will be charged extra.
  • You will receive the first reminder from the due date with a payment period of 7 days.
  • For the first 3 reminders per € 10.00 charges.
  • After 3 reminders additional collection costs may arise.

Interest rate & charges at the provider Cashpresso:

Interest rate & charges at the provider Cashpresso:

  • The borrowing rate is 14.99%.
  • The repayment can be flexible, but amounts to a minimum of 5% per month and a minimum of 20 euros per month.
  • There are no additional costs for the loan (exception dunning fees).
  • Before a reminder, there will be a free payment reminder.
  • For each reminder and return debit 2,50 Euro are required.

Usage:

Usage:

With a small loan you can, for example, at short notice your

  • Balance account ,
  • finance a holiday or a friend
  • Repay money .

On the pages of Cashpresso you can find more information and can request the financing of your shopping wishes:

 

 

 

 

 

The loan application

The loan application

At Cashper, you can apply for a loan within 10 minutes and the amount of money will be in your account within 7 days. The condition is that you are 21 years or older and have a permanent, registered residence in Austria. In addition, your monthly, regular net income must be over 700 euros. The entire application process runs online. It is also possible to withdraw the loan amount within 24 hours.

The cost of a 24h payout is:

  • 39, – for 100-199, – loan amount
  • 69, – for 200-399, – loan amount
  • 99, – for 400-600, – loan amount

The loan conditions

The loan conditions

The conditions for this small loan are very simple. There are 7.95% interest, but no further fixed costs such as account maintenance fees. If you want to repay 600 euros after 30 days, you only pay 3.78 euros interest on your money.

  • 7.95% interest pa
  • Without fixed costs

The loan installment and repayment term

 

As a rule, a single installment will be due after 30 days. However, if you want to pay back in 2 installments, you can pay half of the small loan after 30 and the other after 60 days.

The surcharges for an extension of the installment are staggered as follows:

  • 30, – installment fee for 100-199, – loan amount
  • 35, – installment fee for 200-399, – loan amount
  • 39, – installment fee for 400-600, – loan amount

Online credit experiences

 

Our editors themselves have tested the entire process from taking the loan to repayment. We recommend the Cashper loan to those who do not receive credit by other means and urgently need it. The best way to repay the money is after 30 days without paying in advance within 24 hours. However, if you need the money urgently and can pay back only after 60 days, you must expect the above-described surcharges when applying for the loan. After 60 days, the amount should be paid. Otherwise a dunning procedure threatens.

  • 600 Euro or 1,500 Euro immediately to your account
  • Repayment in the best case favorable after 30 days
  • Attention: After 60 days the loan should be paid, otherwise dunning fees threaten!

If you are interested in a personal consultation or general questions, you are welcome to contact us. On request, we can also contact you by phone.

Note : Existing customers can borrow up to 1,500 euros from Cashper!

 

 

The loan application

 

At Cashpresso you can open an account on the internet within 10 minutes and have your small loan paid out. The loan commitment will be made directly after you have submitted your request. After opening it is possible up to 2,000 euros immediately to purchase products in online stores. The application process runs completely online and post-ID procedures or other complex applications can be completely dispensed with. All you need is a smartphone, Internet access, a webcam and your identity card or passport – also for contract signing. The identity is determined by video identification, the contract is signed by electronic signature. For this you forgive a password and confirm the signature by SMS-TAN. Then you can always access your account via app.

  • 2,000 € (shopping) or 1,500 € (bar) in 10 minutes
  • Online application

 

 

 

The loan conditions

The loan conditions

The conditions are very simple. There are 14.99% interest pa to pay. There are no fixed costs such as account maintenance fees. Cashpresso thus offers overall favorable and above all transparent conditions. Therefore, a cash-desk loan is suitable both for short-term purchases, as well as generally a supplement to the Dispo.

  • 14.99% pa
  • without fixed costs

The loan installment and repayment term

 

Monthly installments of 5% of the amount paid out (at least, however, 20 euros) must be repaid after the month of free months. However, it is also possible to pay off a higher amount, for example the entire amount. For this you can change the repayment installments with the help of the Cashpresso app. Thus, the duration can be made variable.

  • Rate 5% or 20 € mtl. payable
  • complete repayment at any time

The follow-up loan

If a new mini-loan is needed or the credit line has to be increased, then you can always withdraw money (immediately). Anyone who has to pay 1,000 euros to Cashpresso, for example, can take out a loan for another 1,000 euros at any time. The conditions remain the same and the monthly rate increases accordingly.

  • repeated payout possible
  • maximum 2,000 euros (online shopping) or 1,500 euros (cash payment)

The difference to the normal bank loan

Not needed – as usual – a proof of income or bank statement. This makes an online loan with cashpresso possible without any major circumstances. The walk to the bank, a refusal after all the effort or the scanning of the documents fall away. During the registration – after your agreement – the creditworthiness is automatically requested.

Security in turn is ensured by video ident, SMS TAN procedure and password dialing. After 5 minutes of inactivity, you must also sign in to the app again. A change of your data – with the exception of name and date of birth – is also possible at any time with the help of the Cashpresso app. The use of the app is like the entire account for free.

Online credit experiences

Online credit experiences

Our editors themselves have tested the entire process – from the application on the Internet to the payment of the loan amount until repayment. All the processes described above, the terms, terms, special payments, costs, etc. correspond to 100% of what Cashpresso promises. Ideally, the credit of Cashpresso, if for a short period of time a loan is needed, for example, until receipt of the Christmas money. Of course, the loan can also be used to easily raise money from home for the new TV or the new Playstation or to compensate for the Giro account to avoid the high interest rates.

  • .2000 euros immediately for online purchases
  • Repayment variable

On the pages of Cashpresso you can find more information:

 

Where can I compare loans over 2000 euros?

Where can I compare loans over 2000 euros?

On our pages you will also find an online comparison with loans up to 65,000 euros. The payment of the money is usually done within a few days.

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