Cashper is a pure online provider for small loans between 100 and 1,500 euros with terms of 15, 30 or 60 days. For new customers the loan amount is limited to a maximum of 600 euros. The short term of 15 days can only be chosen for loan amounts below 200 euro. Cashper promises that also a Schufa entry is not an exclusion criterion for the receipt of a credit.
In addition to Germany, Cashper also offers its services in Austria, the Netherlands, Poland, France and Spain and is striving to become the market leader. According to its own statements, the company has already granted short-term loans to over 100,000 customers worldwide. The company describes itself as “the friendly financier”.
The basic conditions to apply for a short-term loan from Cashper are a minimum age of 21 years, a permanent residence in Germany and a monthly, permanent income of at least 700 euros net.
The Cashper website is simple and clearly structured. Using the upper and lower navigation, all important information is just a click away. In the center is the credit calculator: After choosing the credit amount and credit period, the due date, interest and total amount is displayed.
To protect customer data, all information is transmitted via a secure connection. The SSL certificate of the website was issued by COMODO and therefore offers a high security of your data. In our test Cashper achieved the full 10 points for the website.
The service of Cashper has been tested several times on different days and at different times, each time by email and telephone. The answer by email reached us within three hours and contained all information in an understandable way.
During our test calls we were put through to a service employee after 6-14 minutes in the queue. The employees were friendly and could solve all questions satisfactorily. The hotline is available at local rates.
Based on our experience, Cashper recommends support by email. In case of a telephone contact, a medium waiting time in the queue is to be expected. In the service Cashper achieved 23 of 25 points. Point deduction was made for the long queue for telephone support!
THE COSTS WITH CASHPER
With an effective annual interest rate of 7.95% p.a. Cashper is currently among the cheapest providers in our test in this area. The lightning transfer with which the money is on the account within 24 hours costs with Cashper 99 euros. In addition, a 2-rate option is offered with which the credit period is extended to a maximum of 60 days. The costs for this option are also 49 Euro. With the conditions Cashper reached 15 of 30 possible points in our test.
The short-term credit from cashper offers terms of 15 days and 30 days. The credit term can be extended up to 60 days with the additional package 2-Raten-Option which costs 49 €. In addition, an express payout within 24 hours can be booked for 99 €. The standard payout takes place within ten working-days. You can also choose a mini credit for 30 days in the amount of 100 to 1,500 euros.
TO THE PROVIDER
We evaluated the achievements with 11 of 15 maximum possible points. Who does not get a mini credit from Cashper?
– For ongoing private insolvency proceedings
– When submitting an affidavit
– On an arrest warrant;
– In the case of a garnishment of wages by a court order of attachment and transfer;
If any of these points apply to you, it will be difficult to get a mini loan from Cashper. The mini credit from 100 to 1,500€ from Cashper Borrow up to 1,500€ for 30 days with the mini-credit from Cashper, learn more about Cashper now!
Advantages with Cashper:
– Fast processing
– Express payout possible
– Loan amounts from 100 to 1.500€
Disadvantages with Cashper:
– High costs for express payment (69,00€)
– New customers can only add 600€
Requirements for a microcredit with Cashper
Who is eligible for a mini loan? Anyone who…
– is at least 21 years old
– has his residence in Germany
– has a regular net income of at least 700 €.