FAQ
Frequently asked questions
Can't find your question? Write to us – we reply personally.
Costs & process
Does the enquiry cost anything?
No. Enquiry and advice are free and non-binding. We never charge upfront fees. Our commission is paid by the bank and shown in the offer.
How quickly will I hear back?
Usually within one working day. How long it takes until payout depends on the financing type and your documents.
Is the enquiry binding?
No. A contract only exists once you expressly accept and sign a bank's offer.
Can I withdraw from a consumer loan?
Yes. Consumer loans carry a statutory 14-day right of withdrawal. Details are in the withdrawal notice of your contract.
Credit check & documents
Will a SCHUFA check be carried out?
The lending bank checks your creditworthiness, usually including a SCHUFA enquiry. This is required by law. A pure conditions enquiry does not affect your SCHUFA score.
Do you arrange loans without a SCHUFA check?
No. Reputable banks in Germany do not lend without a credit check. You should avoid offers that promise otherwise.
Which documents do I need?
Usually ID, proof of income and bank statements. Depending on the financing, more may be needed. We'll tell you exactly what's required.
How do I send documents securely?
Via an encrypted upload link sent by your contact – never by unprotected email or messenger.
Security & privacy
What happens to my data?
We process your data solely to handle your enquiry and only with your consent or on a legal basis. Details are in our privacy policy.
How do I recognise fraud?
Reputable brokers never ask for prepayment, fees before payout or cash handovers. If you receive such a request in our name, don't pay and contact us.
Ready for the next step?
Submit your enquiry in a few minutes. Free, non-binding and with no effect on your decision.