Instant Approval - Quick Payout

Instant Loan
Online Approval

Need money fast? Compare Sofortkredit offers with quick online approval. Some lenders offer 24-hour payout to your German bank account.

Minutes Decision
24h Payout Option
100% Online

Compare Instant Loan Offers

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How Instant Loans Work in Germany

1

Apply Online

Fill out quick form with amount and personal details (5 min)

2

Instant Decision

Get preliminary approval in minutes based on basic data

3

Verify Identity

Complete VideoIdent or PostIdent for final approval

4

Receive Funds

Money transferred to your account (1-24 hours)

Important: Instant Payout

For true 24h payout, use Echtzeitueberweisung (instant transfer). Not all banks support this. Standard SEPA transfers take 1-2 business days. Check if your bank and the lender support instant transfers.

Types of Fast Loans

Sofortkredit (Instant Loan)

  • Amount: 1,000 - 50,000
  • Decision: Minutes (preliminary)
  • Payout: 1-3 days after verification
  • APR: 3-10% typical
  • Best for: Medium amounts, good credit

Minikredit / Kurzzeitkredit

  • Amount: 100 - 1,500
  • Decision: Minutes
  • Payout: Same day possible
  • APR: Very high (fees apply)
  • Best for: Emergency, small amounts

Instant Loans for Expats

Special Considerations

  • VideoIdent in English: Some lenders offer English-speaking video verification. N26, ING, and other digital banks often have English support.
  • Document Upload: Have digital copies of passport, residence permit, and pay slips ready for quick upload during the application.
  • German Bank Account: Required for payout. If you do not have one yet, opening an account may take longer than the loan approval itself.
  • Working Hours: Applications submitted on weekends or holidays are processed on the next business day. For fastest payout, apply Monday-Thursday morning.