The requirement finally simplified

We have redesigned lending to make it accessible to everyone: employees, entrepreneurs, retirees and the unemployed. Find out how we finance your projects without the usual banking hurdles.

Our philosophy

Why don't we just ask Pay slips?

A modern view of credit based on trust and analysis of real data rather than bureaucratic practices of the past.

5 Minutes

0 Papers

100% Online

A different approach

In the traditional banking system, your past determines your future. Without a permanent employment contract or a fixed income, access to loans is often denied. Our approach is completely different.

We believe that your current professional situation should not be an obstacle. We use one Rating algorithm based on your actual financial viability and reliability. Whether it's pension, social benefits, freelance work or salary - that's what matters Balancing your budget. That's why our form focuses on the essentials without requiring unnecessary paperwork.

The process

Three steps towards your financing

Paso 1

Die Online-Simulation

Everything starts with your needs. Use our calculator to determine the exact amount and the repayment plan that best suits your needs.

The interest rate applied is fixed (3.00%). The monthly rate shown during the simulation is exactly the amount you will actually pay. There are no hidden costs or surprises later. This step is free and non-binding.

Immediate result Guaranteed fixed interest rate

Paso 2

The simplified form

Once you have confirmed the simulation, you will receive access to our secured module. Our strength lies in simplicity: we don't require you to scan dozens of proofs of income.

All you have to do is provide your personal details and contact details to draw up the legally valid contract. Even if you are unemployed, retired or have a temporary job, you can submit the application without fear of automatic rejection.

"I was surprised that I didn't have to submit pay stubs. Filling out the form only took 5 minutes."

— Stefan W.

Paso 3

Signature and accreditation

After verifying the details, you will receive the loan agreement by email, which you can sign digitally using an OTP code sent via SMS. Simple, secure and legally valid.

As soon as the signature has been registered, the finance department will credit the specified direct deposit info. The amount will be available in your account within 24 to 48 working hours, depending on your bank.

This is where my inquiry begins

Simulator

Calculate your ability to repay

Use our calculator to calculate the ideal monthly rate for you. Absolute transparency: fixed interest rate and $0 processing fee.

Configure your request

I would like to request

1.000 $ 100.000 $ 200.000 $

For a period of

Sweet

12 Sweet 60 Sweet 120 Sweet

The effective annual interest rate (TAEG) is fixed 3.00%. This interest rate is guaranteed for the entire term of the loan, regardless of the amount chosen.

Your result

Fixed monthly rate

Without optional insurance

Amount requested

Total interest

Total amount to be refunded

Confirm this offer

Non-binding simulation. A loan is an obligation and must be repaid.

Documents

Prepare your documents

To complete the loan, we only need to verify your identity and your bank details for the transfer. No unnecessary bureaucracy.

1. ID card

Identity card (front and back) or valid passport to verify the applicant's identity.

2. Proof of residency

A current bill for household utilities (electricity, gas, water, telephone) (not older than 3 months) as proof of your residence.

3. Bank details (direct deposit info)

The direct deposit info is essential to transfer the requested amount after signing the contract.

FAQ

Frequently asked questions

Of course. We examine every request impartially. Whether you're unemployed, on benefits, working as a temporary worker or retired, we focus on your ability to manage your budget rather than where your income comes from.

In any case. For standard amounts we do not require payslips or tax returns. An identification document, proof of residence and an direct deposit info are sufficient for processing.

The direct deposit info is required both to credit the funds after the loan has been approved and to set up the direct debit (SDD) to repay the installments.

Once the contract is digitally signed, the transfer will be processed within 24 hours. Depending on the interbank system, the amount will be credited to your account within 24 to 48 working hours.

No, never. We guarantee an unchangeable fixed interest rate. The amount of the contractually agreed monthly installment remains unchanged over the entire repayment period.

Yes, according to the law it is possible to partially or fully repay the debt at any time without incurring an early repayment penalty.

Safety is our top priority. We use 256-bit SSL encryption and secure servers in Europe. Your documents and data will never be passed on to third parties.

Our customer service is available to you at any time. Contact us using the online form or email to receive assistance within a few hours.