VEXCASH review

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

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Our verdict

Vexcash suits German adults with regular income who need a small short-term personal loan. Its 11.13% sits below the 12% site median, standard processing carries no arrangement fee, and €100 to €3,000 covers typical small borrowing rather than large balances.

Key facts

Best for
Small short-term personal loans in Germany at a fixed rate.
APR
11.13% (Source, checked September 26, 2026)
Loan amount
€100 to €3,000 (Source, checked September 26, 2026)
Term
1 to 6 months (Source, checked September 26, 2026)
Arrangement fee
0.00 EUR for standard processing; optional Smart-Paket 69.00 EUR per month (not included in the effective annual rate) (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Bank transfer, credit within 8-10 bank days; with the optional Smart-Paket the application is processed within 24 hours (Source, checked September 26, 2026)
Representative example
Minikredit: net loan 500.00 EUR over 3 months, 2 instalments of 169.62 EUR plus 1 of 169.63 EUR, effective annual rate 11.13%, total interest 8.87 EUR, total repayment 58.87 EUR (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Aged 18 or over, main residence in Germany, German bank account, regular monthly income of at least 500 EUR; no over-indebtedness and no open due liabilities (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Legal entity
Vexcash AG (HRB 138151 B, Amtsgericht Charlottenburg) (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2011 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
vexcash.com

Apps and profiles

Elsewhere
Trustpilot

Pros and cons

Pros

  • Interest of 11.13% sits below the 12% site median, with total interest well under the amount borrowed
  • Standard processing carries no arrangement fee, so nothing sits on top of the interest
  • Soft prequalification for the credit check, and a fair credit level asked of applicants
  • Support covers phone, chat, email and a help centre through phone, chat and email

Cons

  • Terms run 1 to 6, so this suits short gaps rather than longer borrowing
  • The optional Smart-Paket adds a monthly charge outside the effective annual rate of 11.13%
  • Funding is by bank transfer within a waiting period, unless the optional Smart-Paket speeds processing
VEXCASH

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Who it suits

  • Adults in Germany with a German bank account and regular monthly income, meeting the eligibility rules
  • Borrowers who want a fixed rate on a small personal or payday loan and can handle a short 1 to 6 term
  • Applicants happy with a soft prequalification and a fair credit level

Who should look elsewhere

  • Monzo Flex, which lends over a longer stretch for borrowers who want a longer repayment period
  • Cashspace, whose rates sit far higher and suit a different market entirely
  • Anyone who cannot meet the eligibility rules on German residence, a German bank account, regular income, no over-indebtedness and no open due liabilities

How your money is protected

Vexcash works as a broker, so an application is placed with a partner lender rather than funded by one firm. It holds a German loan broking permit from the Ordnungsamt Mitte, Fachbereich Ordnungs- und Gewerbeamt, Berlin, and is entered in the Bundesamt fuer Justiz legal services register as a permitted collection service provider. Its representative example runs 11.13% on €100 to €3,000.

The company behind it

Vexcash AG is registered in Germany with the Amtsgericht Charlottenburg, and has traded since 2011. It operates as a broker offering personal and payday lending on a fixed rate, with fixed pricing across the range. Support runs through phone, chat and email, giving borrowers phone, chat, email and a help centre for questions before and after applying.

How VEXCASH compares

Where VEXCASH is available

Available
Germany
Licence in Germany
Ordnungsamt Mitte, Fachbereich Ordnungs- und Gewerbeamt, Berlin (permit under Sec. 34c(1) no. 2 GewO for loan broking), checked September 26, 2026
Licence in Germany
Bundesamt fuer Justiz, Referat VII 5 (RDG) - entry in the legal services register as a permitted collection service provider, checked September 26, 2026

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

Frequently asked questions

What rate do I pay on a Vexcash loan?+

The effective annual rate is 11.13%, and the rate is fixed, so it does not drift with the market. The representative example borrows over a short window, repays in a small number of instalments, and shows total interest of a fraction of the amount borrowed.

Is there an arrangement fee?+

Standard processing carries no arrangement fee at all. The optional Smart-Paket is the exception: it is a monthly charge, and it sits outside the effective annual rate, so the headline 11.13% does not include it.

How much can I borrow and for how long?+

Loan amounts run €100 to €3,000, and terms run 1 to 6. That range suits a shortfall or an unplanned bill rather than a large purchase, a mortgage or a debt consolidation balance.

How long does it take to get the money?+

Funding arrives by bank transfer within a short waiting period on standard processing. Buying the optional Smart-Paket is what brings the application through much faster, which is the trade-off against paying that monthly charge.

What credit check do I face?+

The credit check is a soft prequalification, which is lighter on your file than a hard search. Applicants are expected to hold a fair credit level, and eligibility also requires German residence, a German bank account and regular monthly income.

Who am I dealing with, and where is it based?+

The company is Vexcash AG (HRB 138151 B, Amtsgericht Charlottenburg), based in Germany and trading since 2011. It operates as a broker, which means it places your application with a partner lender rather than carrying the balance itself.

How is the money protected?+

Vexcash holds a German loan broking permit from the Ordnungsamt Mitte, Fachbereich Ordnungs- und Gewerbeamt, Berlin. It is also entered in the Bundesamt fuer Justiz legal services register as a permitted collection service provider, and the representative example quotes 11.13% on a €100 to €3,000 loan.

How do I get help once I have applied?+

Support runs on phone, chat and email, so you can reach the team by phone, chat or email, or read the help centre. That mix matters here because questions about processing times and the optional Smart-Paket charge come up more often than with a standard personal loan.

Sources

  • vexcash.com checked September 26, 2026

    Backs: Loan amount

    “Nettodarlehensbeträge: 100,00 € bis 3.000,00 €”

  • vexcash.com/blog/faq checked September 26, 2026

    Backs: Loan types

  • vexcash.com/blog/gebuehren checked September 26, 2026

    Backs: Funding time, Arrangement fee, Support channels

  • vexcash.com/blog/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Licences

    “Vexcash AG, Rahel-Hirsch-Straße 10, 10557 Berlin, Deutschland”

  • vexcash.com/blog/minikredit checked September 26, 2026

    Backs: APR, Credit check, Credit needed, Eligibility, Founded, Pricing model, Rate type, Representative example, Term

    “Effektiver Jahreszins 11,13 % p.a.”

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

VEXCASH

VEXCASH

Small short-term personal loans in Germany at a fixed rate.

8.7/10See alternatives

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