Vexcash Review: Our Experience and Assessment for 2026
Vexcash is one of Germany’s original micro-loan providers, offering short-term loans from 100 € to 3,000 € with terms of 30 to 90 days. Based in Berlin, Vexcash AG has been active since 2012 and was one of the first companies to bring payday-style micro-loans to the German market. In this review, we examine the costs, process, and whether Vexcash is the right choice for your situation.
Vexcash Mini Loan: Key Facts at a Glance
Vexcash Experience: How We Rate It
Vexcash is a reliable micro-loan provider with a longer track record in Germany than most competitors. The product is transparent, the application is fast, and having a German headquarters with a Berlin phone number adds a layer of accessibility that some foreign-based competitors lack. The key trade-off: the APR is slightly higher than Cashper’s, and the SCHUFA check is stricter.
How the Vexcash Application Works
Step 1: Loan configuration. On the Vexcash website, select your desired amount (100 – 3,000 €), term (30, 60, or 90 days), and any optional services. The calculator shows total costs in real time.
Step 2: Online application. Fill in personal details, employment, income (minimum 600 € net), and banking information. The form takes about 10 minutes.
Step 3: Credit check & decision. Vexcash performs a SCHUFA check as part of the assessment. Decisions are typically fast — often within minutes during business hours.
Step 4: Identity verification. Video-Ident for instant verification, or PostIdent as an alternative. Video-Ident is significantly faster.
Step 5: Payout. Standard payout within 1–3 business days. Express payout (same-day or next business day) is available for an additional fee.
What Does a Vexcash Loan Actually Cost?
Vexcash charges a fixed APR of 14.82%. Here are concrete cost examples:
Based on 14.82% APR. Express payout and other optional services incur additional fees.
Compared to Cashper (13.50% APR), Vexcash is slightly more expensive in interest terms. However, Vexcash offers a 90-day term option that Cashper doesn’t — giving you more breathing room for repayment.
Pros and Cons of Vexcash
Advantages
- German company based in Berlin — local phone support and service
- 90-day term option — more repayment flexibility than Cashper (max 60 days)
- Fast application and decision (often minutes)
- Same-day express payout available
- Accepts wide range of employment types
- Established since 2012 — one of Germany’s longest-running micro-loan providers
- Fully digital process with Video-Ident
Disadvantages
- Higher APR than Cashper (14.82% vs 13.50%)
- SCHUFA check required — less accessible for people with negative entries
- Minimum income of 600 € per month required
- Express payout and extra services carry additional fees
- Short repayment periods (max 90 days) — not suitable for longer-term needs
- Maximum 3,000 € — won’t cover larger financial needs
Vexcash vs. Cashper: Head-to-Head Comparison
Bottom line: Cashper is the better choice if you have SCHUFA issues or need the lowest possible APR. Vexcash is the better choice if you need a 90-day term or prefer dealing with a German-based company with local customer service.
Who Is Vexcash Best For?
Short-term emergency loans: Like Cashper, Vexcash is designed for bridging temporary financial gaps — unexpected bills, car repairs, or medical costs that can’t wait.
Borrowers who need a 90-day term: If 60 days isn’t enough breathing room, Vexcash’s 90-day option splits your repayment into three instalments — making each payment smaller and more manageable.
People who prefer a German company: With headquarters in Berlin and a German phone number, Vexcash offers more accessible customer service than Malta-based competitors.
Not ideal for: People with serious SCHUFA problems (Vexcash checks SCHUFA — consider Cashper instead), borrowers earning less than 600 €/month, or anyone needing more than 3,000 € (consider a personal loan).
About Vexcash AG
| Company name | Vexcash AG |
| Company type | Fintech |
| Address | Rahel-Hirsch-Straße 10, 10557 Berlin |
| Website | vexcash.com/ |
| info@vexcash.com | |
| Phone | 030 8507055 70 |
| Not available | |
| Hours | Monday - Friday, 9am to 4pm |
| Social Media | Instagram |
| English support | No |
| Specialty | Not available |
| Commercial register | HRB 138151 Berlin Charlottenburg |
| AEMIP member | No |
Vexcash AG is a German fintech company founded in 2012, headquartered in Berlin. It was one of the first providers to offer payday-style micro-loans in Germany, helping to establish the market segment. The company is registered with the German trade register and operates under German commercial law.
Customer service is available in German by phone (030 8507055 70) and email (info@vexcash.com). Having a Berlin-based operation with a local phone number is a notable advantage for customers who prefer dealing with a German company directly.
Frequently Asked Questions About Vexcash
Vexcash performs a SCHUFA check as part of their standard application process. Unlike Cashper, which explicitly considers applicants with negative SCHUFA entries, Vexcash’s assessment is stricter. If you have significant SCHUFA issues, Cashper may be a better option as they are more lenient with credit history.
Standard payout takes 1–3 business days after approval. Vexcash offers an express payout option for same-day or next-business-day transfer, which costs an additional fee. For the fastest result, apply early on a business day and choose express payout.
Vexcash requires a minimum net monthly income of 600 €. This is verified during the application process. The income can come from employment, self-employment, pensions, or other regular sources. This requirement is stricter than Cashper, which has no fixed minimum income.
Yes. Vexcash AG is a registered German company (Aktiengesellschaft) headquartered in Berlin. Founded in 2012, it was one of the first micro-loan providers in Germany. The company operates under German commercial law and is registered with the German trade register.
Both offer micro-loans from 100 € to 3,000 €, but with key differences: Vexcash offers up to 90-day terms (vs Cashper’s 60 days), has a slightly higher APR (14.82% vs 13.50%), requires a SCHUFA check (Cashper is more lenient), and is based in Germany (Cashper operates through Malta-based Novum Bank). Choose Vexcash for longer terms and German customer service; choose Cashper for lower costs and SCHUFA flexibility.
Yes, students can apply as long as they meet the minimum income requirement of 600 € per month. This income can come from part-time work, BAföG, or other regular income sources. Students under 18 are not eligible.
Our Verdict: Is Vexcash Worth It?
Vexcash is a trustworthy, German-based micro-loan provider with a solid track record since 2012. The 90-day term option gives it an edge over competitors limited to 60 days, and the Berlin-based customer service adds reassurance. The APR is slightly higher than Cashper, and the SCHUFA check is stricter — but for borrowers with decent credit who value local service, it’s a strong option.
As with all micro-loans: borrow only what you can repay within the term, avoid stacking express fees unnecessarily, and contact Vexcash proactively if repayment becomes difficult.
Updated: April 2026
