Smava Review & Experience
Comparison Portal • Loans 1.000,00 € - 120.000,00 €
⭐ Recommended💳 Apply for Smava Loan
APR from 2.99% • Approval in 24h
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📊 Smava at a Glance
General Information
- Provider type: Comparison Portal
- Rating: 9/10
- Legal name: Smava GmbH
- Approval rate: ~90%
Loan Terms
- Loan amount: 1.000,00 € - 120.000,00 €
- APR: 2.99% - 15.95%
- Speed: 24h
Example Calculation (APR) at Smava
This example calculation is for orientation only. Your personal APR depends on creditworthiness (SCHUFA score), term, and loan amount.
| Loan Amount | Term | APR (Range) | Monthly Payment (approx.) | Total Repayment (approx.) |
|---|---|---|---|---|
| 10.000,00 € | 48 months | 2.99% – 15.95% | 251,09 € | 12.052,23 € |
About Smava
Smava is a comparison portal for loans in Germany. As a comparison portal, it connects customers with multiple providers to find the best offer.
With available amounts between 1.000,00 € and 120.000,00 €, Smava is suitable for larger financial needs.
Frequently Asked Questions about Smava
How do I apply for a Smava loan?
Click "Apply now", fill out the online form (~5 minutes), upload required documents, and receive a decision within 24 hours. Smava offers a fully digital application process.
What documents are required for Smava?
For a Smava loan you need:
- Valid ID or passport
- Payslips (last 3 months)
- Bank statements (last 3 months)
- Proof of address (registration certificate)
What are the interest rates at Smava?
Smava offers APR from 2.99% to 15.95%.
The exact rate depends on your creditworthiness (Schufa score), loan amount, and term.
Representative example: 9.47% APR
Is Smava safe and regulated?
Smavaoperates as a <strong>licensed lender</strong> meeting German consumer protection standards. All loans are subject to BaFin oversight and consumer credit law (§ 491 BGB).
Can I repay a Smava loan early?
Yes, Smava allows early repayment. Under German consumer credit law, lenders may charge a maximum of:
- 1% of outstanding amount (remaining term > 1 year)
- 0.5% of outstanding amount (remaining term ≤ 1 year)
What Schufa score do I need for a Smava loan?
Smava also accepts applicants with moderate credit scores.
Typical requirements:
- Schufa score > 90%: Best rates (2.99% APR)
- Schufa score > 80%: Standard rates (15.95% APR)
- Schufa score < 80%: Individual assessment required
Approval rate at Smava: 90%
⚖️ Legal Information
Smava operates as a licensed lender and meets German consumer protection standards.
Official website: https://www.smava.de
All information is sourced from the official Smava website and is for informational purposes only. Always read the contract terms before signing. Responsible lending is mandatory in Germany. Market oversight is conducted by BaFin.
Author: Rostislav Sikora – AI Orchestrator & Loan Expert (25+ years in financial services)
Last updated: 12 January 2026