Updated September 28, 2026 · BorrowCue Editorial Team
Amanahkredit MY vs Smava
What sets them apart
| Compare |  Amanahkredit MY |  Smava |
|---|---|---|
| APR | 18% | -0.4% to 19.9%Lower |
| Loan amount | MYR 300 to MYR 5,000 | €1,000 to €120,000 |
| Term | 2 to 30 months | 6 to 120 monthsHigher |
| Arrangement fee | Service, processing and stamping charges deducted upfront from the disbursement amount (no figure published) | 0 EUR |
| Funding time | Within 24 hours of approval, same day if applied before 5 pm | Within a few working days; with digital account check and video ident some banks disburse the same day |
| Lender type | Direct lender | Marketplace |
| Free early repayment | YesHas it | No |
| Eligibility | At least 21 years old, Malaysian citizen, employed with stable income, valid MyKad and active Malaysian bank account | At least 18 years old, main residence in Germany, current account at a German bank, regular income, sufficient creditworthiness |
| Loan types | Personal, Payday, Student, Business | Personal, Car, Debt consolidation, Business |
| Credit check | Not confirmed | Soft prequal |
| Representative example | Not confirmed | Ratenkredit: EUR 50,000 net loan, 60 months, 8.70% effective annual rate, 60 monthly instalments of EUR 1,022.73, total EUR 61,363.57, Vereinigte Volksbank Raiffeisenbank eG |
| Credit needed | Not confirmed | Fair |
Same on both: Rate type (Fixed), Use cases (Home improvement).
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Key differences
- Amanahkredit MY scores higher overall: 9.0 vs 8.9.
- APR is lower at Smava: -0.4% to 19.9% vs 18%.
- Free early repayment: only Amanahkredit MY.
- Term is higher at Smava: 6 to 120 months vs 2 to 30 months.
- Loan types: only Amanahkredit MY offers Payday, Student.
- Loan types: only Smava offers Car, Debt consolidation.
Our verdict on each
Amanahkredit MY
Amanahkredit MY is a licensed Malaysian direct lender for small, short personal and payday loans that fund quickly, at an APR of 18%. That sits below the payday ranking median of 36.5%, so it suits borrowers who put payout speed and charge-free early settlement ahead of the lowest price.
Smava
Smava suits German borrowers who want one comparison across personal, car, consolidation and business loans, plus home finance, without paying a setup fee. It scores 6 overall, with -0.4% to 19.9% on loans and 3.2% on home finance, but early repayment is not free.
Score breakdown
| Area | Amanahkredit MY | Smava |
|---|---|---|
| Cost | 8.9APR 18% on MYR 300 to MYR 5,000 over 2 to 30, plus an arrangement fee taken upfront from the disbursement amount. | 9.1Higher |
| Offer | 8.6 | 9.1HigherAmounts of €1,000 to €120,000, rates of -0.4% to 19.9%, no origination fee of 0 EUR and same day funding. |
| Trust | 9.2Higher | 8.5 |
Where they rank in our lists
| Ranking | Amanahkredit MY | Smava |
|---|---|---|
| Personal loans | 656 of 1920 | 122 of 1920 |
| Business loans | 157 of 438 | 19 of 438 |
| Home improvement loans | 294 of 562 | 59 of 562 |
Feature by feature
| Loan types | Amanahkredit MY | Smava |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | No | Yes |
| Car | No | Yes |
| Business | Yes | Yes |
| Student | Yes | No |
| Use cases | Amanahkredit MY | Smava |
|---|---|---|
| Home improvement | Yes | Yes |
Licences and countries
| Country | Amanahkredit MY | Smava |
|---|---|---|
| Germany | Not confirmed | |
| Malaysia | Ministry of Housing and Local Government (KPKT), Malaysia WL3468/01/01-11/270127 | Not confirmed |
Additional countries for Amanahkredit MY: 1. Additional countries for Smava: 1.
Also worth a look
Absa Ghana Instant Loan has apr at -3% to 20%, against 18% for Amanahkredit MY and -0.4% to 19.9% for Smava.
Absa Ghana Instant Loan reviewWhere these facts come from
Amanahkredit MY
- amanahkredit.my: 16 facts, checked September 26, 2026
Smava
- smava.de: 20 facts, checked September 26, 2026
Every fact side by side
| Fact | Amanahkredit MY | Smava |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Constance Infinity Sdn. Bhd. (201901035854, 1345184-H) | smava GmbH (HRB 97913, Amtsgericht Charlottenburg) |
| Headquarters | Malaysia | Germany |
| Founded | Not confirmed | 2007 |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Mortgages
| Fact | Amanahkredit MY | Smava |
|---|---|---|
| Initial rate | Not confirmed | 3.2% |
| APRC | Not confirmed | 3.2% |
| Fixed period | Not confirmed | 10 years |
| Maximum loan to value | Not confirmed | 110% |
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Amanahkredit MY | Smava | Median |
|---|---|---|---|
| APR | 18%above the median | -0.4% to 19.9%lowest quarter | 8.99% |
| Term | 2 to 30 monthsbelow the median | 6 to 120 monthshighest quarter | 60 |
Median across 1152 listed lenders.
Pros and cons
Amanahkredit MY
Pros
- Licensed in Malaysia by the Ministry of Housing and Local Government (KPKT) under WL3468/01/01-11/270127.
- Funds go out Within 24 hours of approval, same day if applied before 5 pm, with same-day funding among same day funding.
- Early repayment carries no charge, so a shorter payoff costs nothing extra.
Cons
- An APR of 18% is above the site median of 12% and above Monzo Flex at 10% to 23%.
- Terms run 2 to 30, well short of the site median term of 36.
Smava
Pros
- Loan amounts run €1,000 to €120,000 with terms of 6 to 120
- Loan types cover personal, car and debt consolidation in one comparison
- A soft prequalification credit check (soft prequal) means you can check rates before a full application
Cons
- Free early repayment: no, so paying a loan off early carries a cost
- Credit needed is fair, and eligibility also requires a German bank account and regular income
- A marketplace, so the rate you get depends on which partner bank responds and the final offer comes from them
Who each suits
Amanahkredit MY
Who it suits
- Malaysian citizens with a MyKad, stable employment and an active local bank account.
- Applicants who need money the same day and would rather clear a short term than stretch it.
- Borrowers who want to settle early without a charge and prefer dealing with a direct lender.
Who should look elsewhere
- Cost-first borrowers, since 18% sits above the site median of 12% and above Monzo Flex at 10% to 23%.
Smava
Who it suits
- Adults in Germany with a current account at a German bank and regular income
- Anyone consolidating debts, funding a car or improving a home who wants to compare offers rather than one lender
- Borrowers who want a fixed rate over 6 to 120 on a personal loan
Who should look elsewhere
- People who want to repay a loan early at no cost
- Borrowers without regular income or a German current account
- Anyone needing a variable-rate loan, since the model is fixed rate
Current offers
Smava
Current offer
Bonus
500 EUR Amazon.de voucher on taking out a loan: 500 EUR Amazon.de voucher
Loan of at least EUR 30,000 concluded via the 'Zum Kreditvergleich mit Gutschein' button only; voucher sent by email after the 14-day withdrawal period has passed; restrictions apply per amazon.de/gc-legal
Source, checked September 26, 2026
Discount code
Cheaper-goes-does-not-exist guarantee: One-off compensation of the difference if a comparable domestic bank offer is cheaper
Applies to loans brokered via smava; amount follows the offers received in the smava credit comparison, stated without hidden conditions
Source, checked September 26, 2026
Country by country
| Country | Amanahkredit MY | Smava |
|---|---|---|
| Germany | No | Yes |
| Malaysia | Yes | No |
Questions about each
Amanahkredit MY
What rate does Amanahkredit MY charge?+
The published APR is 18%, and the rate type is fixed, so the cost does not drift during the term. That sits above the site median of 12% but below the payday ranking median of 36.5%, where short-term fixes tend to price out.
How much can I borrow, and over what term?+
Loan amounts run MYR 300 to MYR 5,000 and terms run 2 to 30, with home improvement given as the main use. The listed categories are personal, payday and student. That menu suits a planned bill or a contained repair rather than a large project.
Smava
What does Smava charge for setting up a loan?+
There is no origination fee on the personal loan: the arrangement fee is 0 EUR, and the product fee is €0. What you pay instead is interest on the borrowed amount, which is priced at -0.4% to 19.9% for your own profile.
How much can I borrow and over what term?+
Loan amounts run €1,000 to €120,000, and terms run 6 to 120. The rate model is fixed, so the figure you are offered is set at the start and does not drift with market moves.
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