Updated October 9, 2026 · BorrowCue Editorial Team

Top payday and short-term loans compared in Germany

33 lenders available in Germany, ranked for Germany.

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Top payday and short-term loans compared in Germany
#	Lender	Score	Features	Key facts	Actions
1	CashperTop pick	9.0/10	Fixed rate	Loan amount: €100 to €3,000 APR: 13.4% to 13.6% Term: 1 to 2 months	Review Compare See alternatives
2	Cash Plus Kosovo	8.8/10	Same day funding	Loan amount: €200 to €7,000 Term: 6 months Credit check: Hard	Review Compare See alternatives
3	Financer.com Share Your Experience, Win EUR 250	8.8/10	Same day funding	Loan amount: $250 to $35,000 APR: 5.99% to 35.99% Term: 3 to 72 months	Review Compare See alternatives
4	Cashtero First loan interest-free, repay within 61 days: 0% interest on the first loan for new customers	8.7/10	Same day funding	Loan amount: PLN 100 to PLN 100,000 APR: 0% to 365% Term: 2 to 3 months	Review Compare See alternatives
5	Giromatch	8.7/10	Fixed rate Same day funding	Loan amount: €100 to €100,000 APR: 4.62% Term: 1 to 120 months	Review Compare See alternatives
6	VEXCASH	8.7/10	Fixed rate	Loan amount: €100 to €3,000 APR: 11.13% Term: 1 to 6 months	Review Compare See alternatives
7	Finandos 3-day trial period for the loan-matching service: EUR 0.99 for 3 calendar days	8.5/10		Loan amount: €500 to €10,000 APR: 30% to 365% Term: 12 to 120 months	Review Compare See alternatives
8	Vistacredit	Not rated		Lender type: Broker Loan types: Payday, Secured, Car, and 1 more Legal entity: Smart City OÜ	Review Compare See alternatives
9	Szybka Gotowka Polish online lender offering loans of up to 20,000 zl with terms of up to 65 days, paid to the account.	Not rated			Review Compare See alternatives
10	Minicredito24 Spanish online microcredit provider; the site states the first loan is free at 0% and that applications are completed online in minutes.	Not rated			Review Compare See alternatives

Licensed in Germany

Giromatch: Stadt Frankfurt am Main (Ordnungsamt)
Giromatch: IHK Frankfurt am Main
VEXCASH: Ordnungsamt Mitte, Fachbereich Ordnungs- und Gewerbeamt, Berlin (permit under Sec. 34c(1) no. 2 GewO for loan broking)
VEXCASH: Bundesamt fuer Justiz, Referat VII 5 (RDG) - entry in the legal services register as a permitted collection service provider

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Other countries

Cashper

Top pick for Germany

9.0/10See alternatives