Small Credit Provider in Austria – Small Credit Comparison

So-called small loans are often taken over the Internet in Austria. They usually serve, for example, to finance a hobby. This is often possible without problems, since they can be used freely in their use mostly. It is even conceivable that the small loan can be taken as a micro-loan, so loan amounts of eg 100 to 500 euros can be included.

Current online loan providers in Austria in the credit comparison

Current online loan providers in Austria in the credit comparison

Especially with so-called small loans, it is often possible that these are paid off by so-called special repayments. Many loans can thus be removed “at one go” and thus much faster than would be the case in the natural way.Compare Current Loan Rates – Free Loan Calculator

Which loan amounts are offered for small loans in Austria?

Which loan amounts are offered for small loans in Austria?

As a rule, small loans in Austria are taken out via loans totaling 500 or above 1,000 euros.

The maximum loan amount available for this type of loan is an amount of up to € 50,000. It is recommended that in advance, of course, be calculated via the Internet, which sum can be gestemmt maximum.


Important: compare loan terms exactly

What are the maturities of small loans in Austria?

As far as the duration of small loans in Austria is concerned, this usually begins at 12 months. Depending on the credit provider, it is possible that loans can be taken up to a maximum term of up to 84 months. In general, it should be noted that there are clear differences between the loans as far as the term is concerned.

In principle, the term of small loans in Austria in 2019 can also be significantly shortened by considering additional payments in the form of special repayments instead of just the regular installments. These then ensure that the entire loan can be paid off much faster than was the case in the original calculation.

What role do special repayments in installment loans play?

What role do special repayments in installment loans play?

The special repayments are in any case an adequate means to be able to calculate how the loan can look like and how it can be repaid much faster. It pays to pay attention to the differences in credit and payment methods.

It is therefore advisable that even when calculating the small loan for Austria 2019 attention is paid to whether this can only be paid off by the regular installments, or whether it is also possible that the loan will be paid off earlier, for example through a so-called special repayment can.

Why can I use a small loan 2019 in Austria?

Why can I use a small loan 2019 in Austria?

If I want to use a small loan in Austria in 2019, I can use it freely in most cases. Should this, however, eg a house be renovated, or even a car or a motorcycle to be purchased, these projects must be stated in advance in the credit calculation.

The reason is that there may be corresponding discounts on APRs if certain projects are to be paid for. Especially goods that can be sold well in case of doubt, can usually be purchased at a much cheaper price. So, if you decide to take out a small loan and buy a car, you should compare this loan to a car loan.

  • Loan amount: usually about 500 to 50,000 euros possible
  • Duration: approx. 12 to 84 months
  • Special repayments are common
  • Low interest rates due to low interest rates
  • Loans are repaid over monthly installments

How will interest rates for small loans develop in Austria in 2019?

How will interest rates for small loans develop in Austria in 2019?

As long as the key interest rate in the EU is 0%, it should also be possible in the long term for loans to be received very favorably. Especially with so-called small loans still low conditions should be possible and not only for terms of two to three years, but also for terms of five to eight years. Thus, the small loan 2019 in Austria in terms of interest rate is also dependent on how the key interest rate is developing.

A low interest rate is generally a good sign that the interest rates on a loan are also quite low in any case. Should the key interest rate be raised again in the coming years, this should also lead to a corresponding rise in interest rates on small loans and car loans as well as other financing in Austria.

Meanwhile, a large part of small loans in Austria is handled directly via the Internet. This means that the loan is calculated online and then requested online. Mostly the Post-Ident procedure is used for credit approval. A branch bank is being visited less and less frequently for lending, which of course means that low-cost online banks can expand. The cost of maintaining an online bank is much lower than it is at a branch bank.

Small loan with immediate payment in Austria


In the search for a microcredit, there are several ways to get a loan quickly. Particularly suitable for a small loan with immediate payment in Austria here are providers for instant loans or providers for a mini loan in Austria. For example, we recommend the 500 Euro mini loan from Cashper. However, one should pay attention to the short term and the relatively high interest rates. Particularly useful here is the express function, if you still borrow money today / need on their account.

Borrow – Conditions in Austria

Borrow - Conditions in Austria

  • Age of majority – A loan in Austria can only be made by persons who are at least 18 years old.
  • KSV Query & Credit – One of the essential requirements in Austria to be able to take out a loan is to have a positive KSV query to make sure you can repay your loan.
  • Constant income (salary) – This requirement is important for the banks in addition to the KSV query and must be proven (eg with account statements / salary slips)

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