Do you have any questions about your loan or your account?
Overview of the most important answers
Yes, it’s possible to get a loan even with bad credit. In Germany, people with a negative credit history are identified with a low credit score within SCHUFA, the biggest German credit bureau.
We offer you the chance to apply for a loan “without” SCHUFA or “despite” SCHUFA. The difference: With a “without” SCHUFA loan, the credit agency isn’t informed at all. But, the requirements for your income and job are stricter. A “despite” SCHUFA loan generally has better approval odds, higher loan amounts, and lower requirements, because the lender knows you better and is willing to lend despite your negative entries.
Want to apply for a loan despite SCHUFA? Start your loan application here.
Same-day payouts are possible if you apply for the loan before 4:00 PM. During weekends, our partners might process the payout immediately, but you might have to wait until your bank processes the payment on the next business day. Depending on the lender, express processing or immediate payout might be attached to special fees.
You register with us by submitting a non-binding, free loan inquiry and confirming your account. You’ll then receive your password by email, which you can use to log in.
Register here: Register without commitment.
No, GIROMATCH is 100% free for you. We’ll never ask you to transfer us any fees! We only get paid by our partners if you successfully close a loan or, for example, open an account or a credit card through our website.
Anyone can submit a free and non-binding application with us. Our matching process excludes no one, including your person, profession, income, or background. Of course, we comply with legal requirements, so you need to be of legal age to apply for a loan with us.
We aim to process every loan without paper or proof of income.
If a proof of income or a bank statement is needed, you’ll be informed during the loan application process or via email. You’ll need a valid ID card or passport for every loan application, as it’s legally required.
No, we’re not a bank, but a loan platform. However, we work with banks, among others, where you can close a loan. These banks are located in Germany or in other European countries. This broad cooperation increases your chances of a successful match.
We’re a loan platform based in Frankfurt am Main. Under our slogan “Together for better banking,” we’ve been working since 2014 to make loans and finances simpler and more accessible for everyone.