Kreditbearbeiter Robert von GIROMATCH "I help hundreds of people every day to find loans, cards, or accounts. See for yourself and get started without obligation."
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Representative example: Effective annual interest rate 4.62%, fixed borrowing rate 3.90% p.a., net loan amount €10,000, term 4 years, commission fee 1.25% of the net loan amount. Monthly installment €228.15, total cost: €10,951.07, subject to creditworthiness. Loan broker: GIROMATCH GmbH.


"Very satisfied due to the fast processing and payment" - Abou, Oct. 2023


"Actually achieved something. Despite negative Schufa" - Natalie, Apr. 2023


"Remarkable and consistently transparent process" - Tobias H., Sep. 2023

Do you have any questions about your loan or your account?

Overview of the most important answers

You can always check the status of your loan in your customer area. Just log in with your customer account. Here‘s where you can log in. Forgot your password? You can reset it. Reset my password.

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.

As a registered customer, log in with your email and password.

Log in here: Log in now

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.

About - Founded 2014 Bankingcheck Winner
4.6 Star Rating on Google

Follow us on: is your credit platform. Our mission is to make credit and finance simpler and more accessible for everyone. For this reason, everything we do for you is free.

To keep it free, we finance our operations through so-called "affiliate links" and commissions. This means that if you conclude a loan, open a bank account through us or get a credit card via our platform, we may receive a commission for this.

The commission allows us to continue to offer our platform free of charge to you and to improve our product portfolio.

Find out more about who we are »

Transparency Information

Our company headquarters

  • Ludwigstr. 33
  • 60327 Frankfurt am Main
  • Germany

Our licenses

  • §34c GewO (Loan brokerage), City of Frankfurt am Main, granted on 15.09.2014
  • §34f GewO (Investment brokerage), Frankfurt am Main Chamber of Commerce, granted on 01.10.2015

As seen in

  • ZEIT Campus (2016)
  • FAZ (2017)
  • Börsenzeitung (2018)
  • Handelsblatt (2018, 2019)
  • (2022)
  • Finanz-Szene (2023)
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