Cashper Alternatives: The Best Mini Loan Providers in Germany 2026
Looking for a Cashper alternative? Whether Cashper rejected your application, you want to compare rates before committing, or you simply prefer a different provider — this guide covers the best mini loan alternatives available in Germany in 2026. We compare costs, terms, requirements, and speed to help you find the right match.
Cashper (operated by Novum Bank, Malta) is one of the most popular micro-loan providers in Germany, offering loans from 100 € to 3,000 € with 30 or 60-day terms at 13.50% APR. But it’s not the only option — and depending on your situation, another provider might be a better fit.
Top Cashper Alternatives at a Glance
Alternative 1: Vexcash — Best for Longer Terms
Vexcash is Cashper’s most direct competitor in the German micro-loan market. Both offer loans from 100 € to 3,000 €, but Vexcash distinguishes itself with a 90-day maximum term — giving you 30 extra days compared to Cashper’s 60-day limit. This means smaller individual payments spread over three instalments instead of two.
The trade-off: Vexcash has a higher APR (14.82% vs 13.50%), requires a minimum income of 600 € per month, and performs a standard SCHUFA check. If you have SCHUFA issues, Cashper is more likely to approve your application. But if your credit is reasonably intact and you need more repayment flexibility, Vexcash is the stronger choice.
Best for: Borrowers with decent credit who want a 90-day repayment period and prefer a German-based company (Vexcash AG, Berlin).
Alternative 2: Ferratum XpressCredit — Lowest APR
Ferratum (now Multitude Bank) offers the XpressCredit micro-loan product with a notably lower APR of 10.36% — the lowest among the major German micro-loan providers. Loan amounts range from 50 € to 3,000 € with terms up to 62 days.
Ferratum also considers applications from people with SCHUFA issues, using their own risk scoring model. The downside: the company is headquartered in Malta (like Cashper’s Novum Bank), so customer service may be less accessible than Vexcash’s Berlin-based operation.
Best for: Borrowers who prioritise the lowest interest rate, or those rejected by Vexcash but not by SCHUFA-friendly lenders.
Alternative 3: GIROMATCH — For Larger Amounts & Longer Terms
If you need more than 3,000 € or a repayment period longer than 90 days, micro-loan providers aren’t the right solution. GIROMATCH connects you with matching lenders for personal loans from 100 € to 100,000 € with terms from 3 months to 10 years.
As an independent credit broker, GIROMATCH works with multiple partner banks and lenders — including those that consider applicants with SCHUFA issues. The application is free, non-binding, and SCHUFA-neutral (the enquiry doesn’t affect your credit score).
Tip from GIROMATCH
Before taking a micro-loan at 10–15% APR, check if you qualify for a regular personal loan at 3–6% APR through GIROMATCH. Even with imperfect credit, many applicants are surprised to find better-rate options available. The application takes 3 minutes and doesn’t affect your SCHUFA score.
Detailed Comparison: Which Cashper Alternative Is Right for You?
The best alternative depends on your specific situation. Here’s a decision guide:
Why People Look for Cashper Alternatives
There are several common reasons people search for alternatives to Cashper:
Application rejected: Cashper rejects applicants who don’t meet their criteria. If Cashper said no, try Ferratum (different risk model) or apply through GIROMATCH (multiple lenders, broader matching).
Better rates: At 13.50% APR, Cashper isn’t the cheapest option. Ferratum offers 10.36%, and traditional personal loans through GIROMATCH start from 3.90%. If you qualify, the savings can be substantial.
Longer repayment: Cashper’s maximum 60-day term can be tight. Vexcash offers 90 days, and GIROMATCH connects you with multi-year instalment loans where monthly payments are much smaller.
Larger amounts: Cashper caps at 3,000 €. If you need more, micro-loan providers can’t help — but GIROMATCH’s partner network offers loans up to 100,000 €.
Frequently Asked Questions
It depends on your priorities: Vexcash offers longer terms (up to 90 days), Ferratum XpressCredit has the lowest APR (10.36%), and GIROMATCH connects you with personal loans at much lower rates (from 3.90% APR) for those who qualify. For SCHUFA-friendly options specifically, both Cashper and Ferratum consider applicants with negative entries.
Try Ferratum XpressCredit (different risk scoring model) or apply through GIROMATCH, which works with multiple partner lenders and can match you with one that fits your profile. Also consider whether a different loan amount or term might improve your chances with another provider.
Yes — Ferratum XpressCredit offers an APR of 10.36%, compared to Cashper’s 13.50%. For even lower rates, personal loans through GIROMATCH start from 3.90% APR, though these require a standard credit assessment and come with longer repayment terms.
No — all major German micro-loan providers (Cashper, Vexcash, Ferratum) cap at 3,000 €. For larger amounts, you need a personal loan. GIROMATCH offers personal loans from 100 € to 100,000 € with terms from 3 months to 10 years — even for applicants with SCHUFA issues.
Micro-loans serve a specific purpose: bridging a short-term financial gap that you can realistically repay within 30–90 days. The APR (10–15%) is higher than traditional bank loans, but for small amounts over short periods, the absolute cost is relatively modest. They become problematic when used repeatedly, for amounts you can’t repay on time, or when late fees accumulate. Always check if you qualify for a cheaper personal loan first.
Conclusion: The Best Cashper Alternative for Your Situation
There’s no single “best” Cashper alternative — it depends entirely on your needs. For longer terms, choose Vexcash. For the lowest micro-loan APR, choose Ferratum. For larger amounts or longer repayment, skip micro-loans entirely and apply through GIROMATCH.
One universal recommendation: always compare at least two providers before committing. Micro-loan applications are fast (5–10 minutes each), and the difference in total cost between providers can be meaningful — especially on larger amounts or if you end up needing express services.
Updated: Mai 2026
