Get a Lightning loan despite poor credit rating to your account in under an hour
With a lightning credit can you between €100 and €3,000 borrow ✓
through the Instant bank transfer you can Money in the account today receive! ✓
The lightning fast Express credit will in spite of poor credit rating due to negative Schufa entries paid out ✓
Flexible repayment: The credit can in one, two, three or four installments be repaid ✓
Without surcharge extras also available as Credit despite poor credit rating and unemployment Suitable✓
| Offerer | Instant credit surcharge | More information | Duration until money on account | |
|---|---|---|---|---|
 Credit amount: 100 - 3.000 € also for new customers Term: 15, 30 or 60 days term 600 Euro minimum income Express payout in 24 hours Simplified Video-Ident procedure Also suitable for poor credit rating | To ensure an immediate payout at cashper to obtain the Super deal package required. Up to €199: €39 €200 – €399: €69 400 - 3000 €: 99 € | Recommendation: cashper.de | With super deal: ⚡ Lightning fast payout in 24 h Without super deal: payout in 7 working days 🕐If the application is submitted before 13.00 on working days, payment possible on the same day | |
 Credit amount: 100 - 3.000 € (new customers up to 1.000 €) Duration: 15 - 90 days 500 Euro minimum income Express payout in 30 minutes Simplified Video-Ident procedure | In order to ensure immediate payment in the event of Vexcash to obtain the Smart package for €69 per month 30 days: 69 € 60 days: 2 x 69 € = 138 € 90 days: 3 x 69 € = 207 € | To the provider: Vexcash.com | With Smart package: ⚡ Lightning fast payout in 24 h Without smart package: payout in 8-10 business days 🕑If application is made before 14.00 on working days, payment possible on the same day | |
 Credit amount: 50 - 2.000 € (new customers up to 1.000 €) Term: 30 or 62 days 0 Euro minimum income Express payout in 24 hours Simplified Video-Ident procedure | In order to ensure immediate payment in the event of ferratum to obtain are the following Acceleration fees to pay. 50-75 €: 29 € 76-99 €: 39 € 100-149 €: 49 € 150-199 €: 59 € 200-299 €: 79 € 300-499 €: 119 € 500-699 €: 159 € 700-999 €: 179 € 1000-1199 €: 219 € 1200-1500 €: 259 € 1501-1699 €: 299 € 1700- 2000 €: 339 € 2001- 2499 €: 379 € 2501- 3000 €: 419 € At Ferratum additional fees from 89 € are due for the 2-rate option. This is obligated from 650 € | To the provider: Ferratum.de | With acceleration fee: ⚡ Lightning fast payout in 24 h Without acceleration fee: payout in 15 working days 🕒If the application is submitted before 15.00 on working days, payment possible on the same day |
At the Lightning loan despite poor credit rating, it is a smaller loan. The loan is usually paid the same day or at least within 24 hours. However, this is only possible for loans up to € 3000. If you need more than 3,000 €, is a Credit despite negative credit bureau from bon credit* an alternative to the lightning loan. The lightning loan is often paid out despite negative Schufa. So that it comes with the disbursement to no incidents, the income should be higher with several negative Schufa entries. However, the providers often suffice already 500 € of income (Vexcash*). The most difficult to get the loan despite poor credit rating and simultaneous unemployment. But even in these difficult cases there is the provider ferratum*, which pays out the lightning loan despite poor credit rating even without proof of income.
Lightning fast payout: for one Same day payment it is necessary that you submit the loan application to a working day before 3 p.m you provide. At the same time, the loan with Vexcash, Cashper and Ferratum will also be despite bad credit rating and negative Schufa entries paid out.
What you can learn here
- Conditions of lightning loans despite poor credit rating
- ⚡ Lightning loan despite poor credit rating ⚡
- Credit despite poor credit rating and unemployment
- What are the advantages and disadvantages of a lightning loan despite poor credit rating?
- When does a lightning loan not make sense despite a bad credit rating?
- When does a lightning loan make absolute sense despite a bad credit rating?
- Conclusion
- Questions about the lightning loan despite poor credit rating
Conditions of lightning loans despite poor credit rating
As with any borrowing, comparing terms makes sense. It is striking that the differences between the providers are very large, especially in the case of the lightning loan.
1.) Cashper lightning loan despite poor credit rating
cashper* charges a graduated fee for the instant payout. The decisive factor for Cashper is the Amount of the credit. The term, however, does not play any role at all in the express surcharge at Cashper. The express loan at Cashper is paid out from 39 euros. At Cashper, there are no additional fees for the lightning loan despite poor credit rating. Not even for multiple installments. In addition, new customers at Cashper pay 0 % interest.
loan amount: 100 – 3.000 € also for new customers
Duration: 15, 30 or 60 days term
income: 600 Euro minimum income
Duration of payment: Express payout in 24 hours
Simplified Video-Ident procedure
Also suitable for poor credit rating
In order to ensure immediate payment in the event of cashper to obtain the Super deal package required.
Until 199 €: 39 €
200 - 399 €: 69 €
400 - 3000 €: 99 €
2.) Vexcash lightning loan despite poor credit rating
Vexcash* has been taking a different approach to the lightning loan since 2022. Thus, the provider requires the conclusion of an additional subscription - the Smart package - so that the money is paid out immediately. The amount of the express fee depends on Vexcash according to the duration of the credit. The amount of the loan does not matter, unlike Cashper. The express fee at Vexcash for a 30-day loan is 69 euros. Fees for a 2 installment option do not apply at Vexcash. Unlike Cashper, however, Vexcash charges interest at overdraft level for the loan.
loan amount: 100 - 3.000 € (new customers up to 1.000 €)
Duration: 15 - 90 days
income: 500 Euro minimum income
Duration of payment: Express payout in 30 minutes
Simplified Video-Ident procedure
To get an instant payout at Vexcash, the Smart Package for €69 per month is
30 days: 69 €
60 days: 2 x 69 € = 138 €
90 days: 3 x 69 € = 207 €
3. ) Ferratum lightning loan despite poor credit rating
ferratum* is the only provider to offer the Mini loan despite bad creditworthiness * is the only provider to offer the mini-loan despite a poor credit rating to people without a fixed income. Thus, even Hartz IV recipients have a chance to get a loan here. In addition, mini-loans are already possible from € 50. Ferratum has a very fine scale for the express fee. Larger loans from 600 euros can be concluded at Ferratum only via a 2-rate option. Unfortunately, this is not included in contrast to Cashper and vexcash. Borrowers pay for lightning loans over € 600 at Ferratum thus both an acceleration fee and an additional fee for the 2-rate option. Therefore, Ferratum is only suitable for credit under 600 €. Larger amounts you can borrow cheaper via Vexcash or Cashper.
loan amount: 50 - 2.000 € (new customers up to 1.000 €)
Duration: 30 or 62 days
income: 0 Euro minimum income
Duration of payment: Express payout in 24 hours
Simplified Video-Ident procedure
To receive an immediate payout at Ferratum, the following acceleration fees must be paid.
50-75 €: 29 €
76-99 €: 39 €
100-149 €: 49 €
150-199 €: 59 €
200-299 €: 79 €
300-499 €: 119 €
500-699 €: 159 €
700-999 €: 179 €
1000-1199 €: 219 €
1200-1500 €: 259 €
1501-1699 €: 299 €
1700- 2000 €: 339 €
2001- 2499 €: 379 €
2501- 3000 €: 419 €
At Ferratum additional fees from 89 € are due for the 2-rate option. This is obligated from 650 €
⚡ Lightning loan despite poor credit rating ⚡
Vexcash, Cashper and Ferratum are suitable for lightning loans despite poor creditworthiness. All providers pay the loan to your account within 24 hours. Vexcash* pays the Credit often already in 1 hour to the account without Schufa and is thus the fastest provider of lightning loans despite poor creditworthiness.
Immediate payout
A lightning loan despite poor credit rating is quickly explained. It is a loan that is disbursed immediately. The usual stumbling blocks like poor creditworthiness, negative Schufa entries and little or no income do not prevent approval. The loan is disbursed despite these hurdles. Lightning fast! But how fast is "lightning fast"?
Lightning fast means: payout in 24 hours
The credit must within 24 hours or be paid out the same day to make it into the lightning loan comparison on this page. Only in this way is a differentiation from other fast and fully digitally processed installment loans from Smava* or comparable providers is possible.
Lightning loans from € 50 to € 3,000
There are not many providers who can guarantee a loan disbursement in 24 hours. In addition, many borrowers who are looking for a lightning loan, the loan despite poor credit rating would like to conclude. As a result, providers of lightning loans have to provide for certain limits in terms of amount. Therefore, there are lightning loans with 24-h option only from € 50 to € 3,000.
For larger amounts, the provider examines loan applications more intensively. Therefore, the payment is then delayed by about two days. The money from Cashper comes from banks in Germany and abroad. Both Novum Bank, which belongs to Cashper, and Ferratum are based in Malta.
Minimum income for lightning loan
Lightning loan despite poor credit rating: The higher your income and the better your credit rating, the more money you can borrow. For a lightning loan, an income of 500 euros is sufficient for small amounts up to about 3,500 euros. From 3,500 euros you need to show about 1,300 euros of income and for a 5,000 euro loan you need at least 1,600 euros of income.
| loan amount | income | |
| up to 3.000 Euro | 0 € | Ferratum: 0 € Vexcash: 500 € Cashper: 600 € |
| up to 5.000 Euro | 1.300 Euro | |
| over 5.000 Euro | 1.600 Euro |
Loan amount and term
The minimum sizes of 100 euros at some providers appeal to a different target group than the minimum loan amounts of the banks. The terms, depending on the loan amount and the lender, vary between seven days and 90 days.
Many providers limit the first lightning loan of a new customer to a certain amount. A larger loan is only possible with the second loan. A customer cannot have two lightning loans running in parallel with most FinTechs. The loan must always be repaid before a new loan can be taken out.
The lightning loan has only a few requirements for disbursement
You should meet the following requirements to be able to borrow money through one of the mentioned providers:
- Of legal age ✔️
- checking account in Germany ✔️
- Residence in Germany ✔️
- Minimum income of 500 € net (exception: Ferratum Bank's Xpresscredit* without proof of income) ✔️
- No serious negative entries in the SCHUFA (arrest warrant, ongoing bankruptcy) ✔️
Credit despite poor credit rating and unemployment
The lightning loan trtoz poor credit rating can also be used in the absence of income as a Credit despite poor credit rating and unemployment serve. Finally, Ferratum does not require any proof of income. Other providers also advertise with small credits for the favor of the unemployed and Hartz IV recipients. Thus even the 3000 euros credit despite poor credit rating and unemployment available. Because with 500 € minimum income, the requirement is below the Hartz IV standard rate of 2 adults or an adult with a child. When taking out a loan despite poor credit rating and unemployment, you should try to keep the costs as low as possible. You should avoid the expensive express surcharge or the fee for the 2-rate option.
Credit despite poor credit rating and unemployment
- Avoid the expensive express fees
- Avoid expensive 2-rate options
What are the advantages and disadvantages of a lightning loan despite poor credit rating?
A lightning loan despite poor credit rating convinces with fast payment, even if your financial situation does not look so good. The application for the lightning loan is done online and without paperwork. Evidence must no longer be submitted in paper form or as a PDF. An online account check is sufficient and takes only a few seconds. The lightning loan despite poor credit rating is also available to unemployed people for taking out credit in difficult cases open. Finally, the lightning loan of ferratum* offered without proof of income. However, express disbursement in lightning loan is associated with additional costs. This express fee is relatively expensive and not included in the interest rates.
advantages
- Quick and easy online application
- Payout in 24 hours on the account
- Online account check: send PDF without paperwork
- without proof of income (Ferratum)
- No blanket rejection of the unemployed and Hartz IV recipients
- Payout possible despite negative Schufa
Disadvantages
- Express payout expensive
- Partially additional fees for the 2 installment option are due (Ferratum)
When does a lightning loan not make sense despite a bad credit rating?
The express loan only makes sense if you really need the money the next day. Express payout is relatively expensive and you can avoid this fee completely by not checking the corresponding box. In many cases, postponing a purchase is not that difficult and can be easily implemented. If you can find a way to postpone your credit needs by a few days, you should definitely do it. That way you'll save yourself the expensive express fees.
at Vexcash* or Cashper, you will receive your loan within a few days even without the express surcharge. Save yourself in urgent cases the slice of the application and ask the free for new customers Kredt of cashper* still on today.
When does a lightning loan make absolute sense despite a bad credit rating?
The lightning loan makes sense when postponing is even more expensive than paying the express fees. This is the case, for example, when you urgently need to have your car repaired in order to get to work. The express fee can allow you to have the car repaired immediately and avoid a loss of earnings or even termination. Other examples of non-accrual costs that Express Credit helps with are avoiding overdue fines or other penalties due to late payment. Another advantage of Express Credit is its built-in repayment feature. The alternative overdraft loan does not have this and therefore tempts you to keep drawing on the loan. Even if your account has an overdraft facility, a separate loan can therefore make sense.
Conclusion
With a lightning loan despite bad credit rating you can get amounts of 50 to 3.000 Euro on same day to your account receive. You can receive larger amounts via a Credit despite negative credit bureau from bon credit* borrow. However, the processing time is then 2-3 days. In addition, the lightning fast express loan is paid out despite poor credit rating due to negative Schufa entries. Also a granting to unemployed is with ferratum* is possible. The repayment of the lightning loan is flexible: you can use the mini loan repay in one, two, three or four installments.
Shortcoming of the lightning credit despite negative Schufa are the high processing fees for immediate payout. Additional packages must be booked for the flash payout. Additional costs are incurred for this on a one-off or even monthly basis. It is therefore often better to postpone the need for credit a little. At the same time, you should not put off applying for the loan any longer. Instead, apply today for a lightning loan despite poor credit rating.
Questions about the lightning loan despite poor credit rating
Where to get the lightning loan despite poor credit rating?
The lightning loan despite poor credit rating and with payment on the same day is available from cashper*, Vexcash* and ferratum*. These lightning loans are available to you up to 3000 €. The lightning loan can be repaid in one or more monthly installments. Normally, the same day lightning payout is not included in the interest. Instead, an additional fee is due, which is called either Super Deal (Cashper), Smart Package (Vexcash) or acceleration fee (Ferratum). Loans above 3000 euros have processing times of 3-4 business days. Therefore, I would not call them lightning loans.
Can I get the lightning loan despite bad credit rating and unemployment?
It is possible to get a lightning loan despite bad credit and unemployment. However, you should be aware that you need enough money to repay the loan at the end of the term.
at low income and receiving unemployment benefits, it is recommended to waive the additional express fee for the flash payment. Instead, try to postpone your spending a bit.
