Cashper review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Cashper lends to adults living in Germany a small fixed sum over a very short term, which suits anyone covering a bill between pays rather than funding a lasting purchase. The fee is 0 EUR and the rate is 13.4% to 13.6%, so the total cost is easy to see.

Key facts

Best for
A 0 EUR fee, fixed pricing and a €100 to €3,000 cap for short borrowing in Germany.
APR
13.4% to 13.6% (Source, checked September 26, 2026)
Loan amount
€100 to €3,000 (Source, checked September 26, 2026)
Term
1 to 2 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
5 business days (up to 7 calendar days) (Source, checked September 26, 2026)
Representative example
Minikredit: net loan 400.00 EUR, total 404.18 EUR, 1 instalment, 1 month, effective annual rate 13.48% (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Minimum age 18 and residence in Germany (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Legal entity
Bank DiMare Limited (Source, checked September 26, 2026)
Headquarters
Malta (Source, checked September 26, 2026)
Support channels
Email, Phone, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
cashper.de

Apps and profiles

Elsewhere
X

Pros and cons

Pros

  • Pricing is fixed, so the rate you are quoted holds instead of drifting with the market.
  • Applications start with a soft prequal check, a gentler first look than a full credit file search.
  • Support runs on email, phone and chat, so a phone call is there as well as written help.

Cons

  • The term is 1 to 2, so this covers a short gap and cannot carry a longer repayment.
  • Borrowing tops out at €100 to €3,000, which is small next to a car, a move or a refit.
  • Money takes 5 business days (up to 7 calendar days) to arrive, so it is no use for a same day emergency.
Cashper

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Adults living in Germany who meet the Minimum age 18 and residence in Germany condition and want a small, fixed advance.
  • Borrowers with a fair credit record who are happy to clear the balance quickly.
  • People who prefer dealing with the lender itself, since Cashper is a direct lender.

Who should look elsewhere

  • Monzo Flex, if you want a rate that can start below Cashper's: its APR runs 10% to 23%.
  • Cashspace, listed at PHP 12 to PHP 36, when you want a headline rate closer to Cashper's 13.4% to 13.6%.
  • Cashspace ES, listed at 0%, for a lower headline rate than Cashper's 13.4% to 13.6%.

How Cashper compares

Where Cashper is available

Available
Austria, Denmark, Germany, Malta, Spain
Licence in Malta
Malta Financial Services Authority (MFSA) (C46997), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow from Cashper?+

You can take €100 to €3,000, which covers a small bill rather than a large project. Cashper lends as a direct lender and offers personal and payday style borrowing. Anything above the ceiling simply sits outside what this lender will do.

Is there an arrangement fee?+

The origination fee is 0 EUR, so the only cost beyond the advertised rate is interest on what you borrow. That keeps the comparison simple against lenders that add setup charges. It applies to the personal and payday style products alike.

What rate will I pay?+

The annual rate is 13.4% to 13.6% and the pricing is fixed, so the figure you see at the start is the figure you keep throughout the loan. Over a term measured in 1 to 2, that makes the total cost easy to predict on one repayment.

How long do I have to repay?+

Repayment runs over 1 to 2, so think of it as a short bridge rather than a loan you service over many months. The published example shows a small advance cleared within the shorter end of that range, which tells you how quickly the balance is expected to go.

What credit check is used?+

Applications begin with a soft prequal check, and Cashper asks for a fair credit record. A soft first look lets you see whether you likely qualify before the full assessment, so nothing lands on your file unexpectedly. Most lenders elsewhere run a harder check, so expect a firmer test later on.

Who regulates Cashper?+

Cashper runs through Bank DiMare Limited, based in Malta and listed with the C46997. The licence is the starting point for any question about how the business is run. You deal with the lender itself, since it is a direct lender.

Who can apply?+

The Minimum age 18 and residence in Germany condition is the basic gate, so you must be an adult living in Germany. Cashper also looks for a fair credit record, and the personal and payday style products run through the same application. Age and residence are the only stated criteria, so check them first.

How quickly is the money sent?+

Disbursement takes 5 business days (up to 7 calendar days), so plan for a short wait rather than cash in hand straight away. For an urgent bill that gap matters, and it is the main thing to weigh against the 0 EUR fee and the fixed 13.4% to 13.6%.

Sources

  • cashper.de checked September 26, 2026

    Backs: Credit check

    “Schufaneutrale Anfrage”

  • cashper.de/kredit-faq checked September 26, 2026

    Backs: Credit needed, Eligibility

  • cashper.de/kredit-ihre-rechte/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Licences

    “Bank DiMare Limited, The Emporium, C De Brocktorff Street, Msida, MSD 1421, Malta”

  • cashper.de/kredit-kosten checked September 26, 2026

    Backs: Loan amount, APR, Funding time, Pricing model, Rate type, Representative example, Support channels, Term

    “Fester Sollzinssatz zwischen 12,50% und 13,00%”

  • cashper.de/ueber-uns checked September 26, 2026

    Backs: Loan types, Arrangement fee

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Cashper

Cashper

A 0 EUR fee, fixed pricing and a €100 to €3,000 cap for short borrowing in Germany.

9.0/10See alternatives

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