smava - Kreditvergleich 2.4.1

The smava loan comparison app enables users to efficiently identify affordable credit options — entirely free of charge and SCHUFA-neutral. The application allows for quick and straightforward access to the best loan offers from over 20 financial institutions. Users can complete their loan agreement directly within the app — ensuring security, transparency, and no hidden fees.

Overview of installment loan conditions

• Interest rates: From -0.40% up to 19.90% effective annual percentage rate (APR)
• Loan terms: From a minimum of 6 months up to 120 months
• Net loan amount: Ranging from €1,000 to €150,000
• Total repayment amount: Between €995.50 and €181,247.51

Sample calculation according to PAngV: A net loan amount of €20,000, with an 84-month term, at an effective annual interest rate of 5.39%, an annual nominal interest rate of 5.26%, and monthly installments of €285.14 results in a total repayment of €23,951.75. This offer is provided by Lloyds Bank GmbH, c/o Bank of Scotland, Karl-Liebknecht-Straße 5, 10178 Berlin.

Your advantages include:

• ✓ Competitive loan options: Find suitable financing at top conditions from over 20 banks.
• ✓ Free and non-binding: Comparison and consulting services are offered at no cost.
• ✓ SCHUFA-neutral comparison: Your credit standing remains unaffected regardless of the number of offers compared.
• ✓ Convenient online approval: Compare, apply, and finalize your loan entirely within the app.
• ✓ Price match guarantee*: We guarantee to beat all other rate offers from German banks or you will receive the difference as a one-time payment.
• ✓ Secure data transmission: Your data is encrypted and handled confidentially.
• ✓ Expert support: Our credit specialists are available to assist with any questions.

The smava app features include:

• ✓ Loan comparison & approval: Identify and apply for your credit for any purpose directly within the app.
• ✓ Loan calculator: Use our free tool to estimate your desired loan amount.
• ✓ Customer portal: Log in to synchronize your data across devices.

Why choose smava?

As one of Germany’s leading credit comparison platforms, smava prioritizes transparency and fairness — with no hidden costs, clearly understandable terms, robust data security, and excellent customer service. The app provides a free SCHUFA-neutral comparison service that presents personalized offers from over 20 banks.

*Further information about the guarantee can be found here.