You make the request.
Amount, purpose, contact details. No documents, no effect on your credit rating. Two minutes.
For customers.
Onerequest.
You make one request, we do the rest. Among 25 banks we find the one that suits your situation, and we stay at your side until payout. Free of charge, independent of any bank, SCHUFA-neutral.
0€Cost to you. We are paid by the bank.
25Banks and lenders. We choose the one that fits.
3pmRequests that reach us by then are dealt with the same day. You can rely on that.
5 stars across 99 Google reviews.
One bank checks by its own rules. We know the rules of 25.
Why finovation
A specialist who knows your situation.
Every bank has its own rules. Who gets how much, on what terms, with which documents. What is a no at one bank is a yes at another. If you do not know that, you ask the wrong bank and receive a rejection that says nothing about you.
We know these rules from working with 25 banks every day. That is why you make one request with us, not twenty-five. We look at your situation and go to the bank where approval is most likely.
And you speak to a specialist. Your contact knows your case from the first conversation to payout. No hotline, no portal, no form that leaves you on your own.
Types of loan
For whatever comes next.
Four types of loan, 25 banks, one point of contact. Working out which bank suits which plan is our job.
From €1,000 to €100,000, with terms of 12 to 180 months. Small business loans on request as well.
- Instalment loanFor purchases, renovation or any purpose you choose. Fixed instalment, fixed term, clear planning.
- Debt consolidationSeveral loans or an expensive overdraft become one loan with one instalment. Often lower in cost, always easier to keep track of.
- Car loanNew or used, from a dealer or a private seller. We get your financing rolling.
- Loans for the self-employedWith proof of income in place of payslips. We know what matters for the self-employed and which banks are glad to lend to them.
How it works
Four steps to payout.
Two minutes for the request. We take care of the rest.
We talk to you.
Your contact gets in touch with you, as a rule on the same day. We clarify what you want and where you stand, and tell you which documents we need.
We find the right offer.
We choose the bank, submit the application and deal with every query. You receive the offer and decide in your own time.
You sign.
You sign the contract and confirm your identity, online or by post depending on the bank. Payout follows as a rule within 2 to 5 working days.
One point of contact, from request to payout.
Your benefits
What you get from us.
- Free of chargeThere is no cost to you. We are paid by the bank your agreement is concluded with.
- Independent of banksWe do not belong to any bank. We choose the one that suits you.
- SCHUFA-neutral enquiriesWe make rate enquiries, not credit enquiries. Only the application you want to go ahead with goes to the bank.
- Based on your situationTerm and instalment are set around you, not around a standard product.
- Protected, if you wishOptional payment protection in case of unemployment or illness.
- Discreet and nationwideAdvice in German and English, from Coburg for the whole of Germany.
If it does not work straight away
For us, a no is not the last word.
We do not give up easily. If a bank says no, we find out why and look specifically for an alternative whose criteria match your situation. That is exactly why we work with 25 banks and not just one.
If a loan is not possible at the moment, we tell you so honestly and directly. And we do not leave you on your own with that: with the Nexus credit check of our partner company you can obtain your credit report, check the entries and have errors corrected. Many rejections have causes that can be put right.
Good to know
Questions before your request.
What customers ask us before they make a request.
What does your service cost me?
Nothing. We are paid by the bank your loan agreement is concluded with. You pay only interest to the bank, and no fee to us.
Does the request affect my SCHUFA record?
No. We make rate enquiries with the banks. SCHUFA, Germany’s main credit bureau, does not record these as a credit enquiry, and they do not affect your score. Only the application you want to go ahead with goes to the bank as a loan application.
Which documents do I need?
None for the request. For the application, as a rule, proof of identity, your most recent payslips or, if you are self-employed, proof of income, and bank statements. Your contact will tell you exactly what is needed when you speak.
How long does it take until payout?
We get in touch as a rule on the same day. The bank decides as a rule within 2 to 5 working days of the application. Payout usually follows on the day of approval.
Can I get a loan if I am self-employed?
Yes. Not every bank accepts the self-employed, but some in our portfolio are set up for them. We know which.
What if I have already been rejected?
A rejection from one bank does not mean that all banks will reject you. We look at why it happened and check banks with different rules. Tell us about it in our first conversation.
Can I refinance an existing loan?
Yes. We check whether debt consolidation lowers your instalment or turns several loans into one. The new bank takes care of paying off the old loan.
Which languages do you advise in?
German and English. Loan agreements and bank documents are in German. We go through them with you.
Loan request
Two minutes. No documents.
Amount, purpose, contact details. That is all we need to get started. Your contact gets in touch and settles everything else with you personally.
- Requests that reach us by 3 pm are dealt with the same day. You can rely on that.
- SCHUFA-neutral, with no effect on your credit rating.
- Free of charge. We are paid by the bank.
Or simply call
Ring the bell.
Monday to Friday, 9 am to 6 pm. Or by WhatsApp, whenever it suits you.
+49 9561 6759380Phone, Mon–Fri 9 am–6 pm
+49 174 4504114WhatsApp, whenever it suits you
info@finovation.euEmail, replies on working days