Borrowing money without risk »safely, quickly & easily from private customers.

100% risk-free borrowing money from private individuals

100% risk-free borrowing money from private individuals

Would you like to borrow money without taking out a bank loan? You can also immediately borrow money from private donors. Fast, easy and without risk.

Private lenders decide for themselves who they lend money to, how much and on what terms. For borrowers, this can mean that they get a loan at low interest rates and also have a greater chance of lending. At banks, some groups of people with borrowing problems may experience problems. Lending money privately therefore offers more flexible options.

Find a private lender!

Find a private lender!

In order to find a private lender who can lend you money, you do not have to place an advertisement in the newspaper or the like. We bring prospective creditors and private investors together.

Even frustrated bank customers will find a good alternative on our platform. Classic forms of investment have long ceased to offer the desired returns. By granting a loan, you can invest your money profitably and help another consumer.

We bring borrowers and lenders together according to established rules. Every consumer can apply for a loan, be it an employee, pensioner, student or self-employed. Investors and borrowers must be at least 18 years old, have a permanent residence in Germany and have their own checking account with a German bank.

Borrow money cheaply from private investors!

Borrow money cheaply from private investors!

So that you can borrow money privately, you have to put your personal loan request online. Important information, in addition to the desired loan amount and term, is also information about yourself (age, profession, address, monthly income, etc.).

When lending money from private providers, the general conditions must be right and the lender must be secured. In addition to the identity, the creditworthiness of the potential borrower is also checked to ensure that it is creditworthy. Pay slips, tax assessments and other income documents can be used to check creditworthiness. If the borrower gives his consent, the Credit bureau data can also be queried. It is advisable to give such approval, because a Credit bureau query increases the chance of a loan.

Express your personal loan request!

Express your personal loan request!

The description of your loan request is a kind of application, because you want to draw investors’ attention to themselves and their loan request. It is particularly important to convince investors that you are able to service the loan.

In addition, many lenders want to know what the loan amount is needed for. You should therefore always state the intended use.

As a borrower, you must also specify the lending rate that you are willing to pay. The interest rate should be based on the default risk. That means: the better your credit rating, the lower the interest rate can be. However, if you have a low income, it is advisable to accommodate investors and offset the increased risk with a higher interest rate. The final interest rate will then be determined in consultation with the investor.

A loan approval can only be given if an investor agrees to lend the entire loan amount or if several are willing to fulfill the loan request. With several investors who fulfill a loan request, the advantage is not only that they share the loan amount, but also the risk. So it is also possible for people to borrow money who would have no chance at a bank.

What are the requirements?

What are the requirements?

In addition to the age of majority (at least 18 years old), the borrower should also have their own bank account. Depending on the lender, cash payments are also possible, but the majority of investors prefer a traditional bank transfer by bank transfer.

What documents are needed?

What documents are needed?

The required documents differ depending on the credit volume and the investor. In principle, you should have the following documents ready for all cases:

Your ID card or passport
Current bank statements with salary receipt
The last 3 payslips

Under certain circumstances, private investors may require documents such as:

Copy of the employment contract
Credit information (Credit bureau, credit score or similar)

When can the money be paid out?

When can the money be paid out?

After you have started your individual loan application online, we will immediately start to find the right lender or lender for you. Ideally, payment is possible on the same day. Of course, this largely depends on the loan amount as well as the term and your personal requirements.

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