Get a quick credit loan today!

Anyone who still wants to have quick credit today will be amazed: There are a lot of loan variants at the banks that outperform the already fast credit with payment in 24 hours. You could almost say that there is a loan at ICE or sports car speed – if you as a bank customer prepare yourself a bit.

If your loan claim still relates to the availability of funds on the same day, then you should consider the different types of credit lines. If approved today and paid out the next day, other forms of credit such as accelerated installment loans are available. There is also another variant for quick credit today: lending valuable items!

The credit line: reserve for emergencies and before creditworthiness could deteriorate


Many bank customers with fluctuating income and thus also assumed to have fluctuating credit ratings know both good and bad news: Sometimes the bank increases the credit limit of a current loan on the current account, sometimes down. This means that the overdraft facility is still available as a quick loan today, but with a partially unpredictable volume. However, you could secure a credit line in good time, which is available on call and immediately, and is not continuously adjusted by the “house bank”.

To do this, you could secure yourself a kind of loan reserve – in good time before a deteriorating credit rating, for example through short-time work or seasonally falling earnings. This is available in two different versions and can be a valuable temporary buffer for financing. Various banks offer so-called Shopping Cards or shopping cards with installments.

Similar to a credit card, these have a certain limit. Do not debit the full, open amount in the same month. Instead, only a partial payment of, for example, 5 or 10% of the open balance. This means that the repayment is divided into 10 or 20 monthly installments – depending on the product.

This shopping cart works like some credit cards, which also offer a partial payment function. You can use all framework products without warning or prior information from the bank within the limits granted because they are designed for this. The only disadvantage: thanks to convenience and flexibility, these loans are also provided with higher price tags in the form of higher interest rates.

The express credit: processing and approval today, payment by tomorrow

The express credit: processing and approval today, payment by tomorrow

The express loan is an unbeatable combination of modern bank or business organization and a touch of mathematics and probability calculation. Most of the work processes, especially for the smaller loans (without providing collateral such as a land register entry or the vehicle documents of a luxury sedan) can be partially automated.

The loan officer then receives a contract proposal for processing or fine-tuning with the customer relatively quickly. It is based on the loan amount, the term, the current interest and condition policy of the bank as well as on the documents provided such as proof of income.

In particular, if the decision for or against lending is not clear, the processor can contact the customer and suggest a different term or a different loan amount. Fast credit today still refers to the promise of the loan, the customer then still has to sign and submit the loan agreement. In reality, 1-3 days can then pass until the loan is really and actually available.

Cash in kind: The pawnshop is still a quick loan today


Another option to get a quick loan today is too often forgotten in the banking age and the age of the loan comparison: It is the pawnbroking trade that has existed for centuries and has been extremely well regulated and guarded by the state. Here you hand in valuables for a few weeks or months and immediately get cash at your disposal.

If you have not redeemed the goods delivered by the end of the term, they will be officially auctioned. Any additional proceeds then go in your favor, reduced proceeds can be offset against another pawn or are just the business risk of the pawnbroker for only one item delivered.

However, the comparison options here are not as good as with the bank loan or the framework loan variants: Most of the time, the item is examined on-site in the pawnshop, so that long distances would be very cost-intensive. So you are limited to the pawnshops on your own or the next big city.

There is also the PfandLV, which sets certain maximum fees and is used by the entire industry. The pawnshop is very labor-intensive, also when it comes to checking, receiving and evaluating goods, and will therefore rarely be able to beat traditional forms of credit such as express credit, especially in the low-interest phase.

As a quick source of money, the pawnshop is unbeatable and is also used by small and medium-sized companies, for example, to “liquefy” tools or vehicles that are sometimes not required for a manageable amount of time.

Several ways to get a loan paid out in 24 hours

Not only can he apply for a loan on the Internet, but he can also visit a branch bank that is ready to make a cash payment of the requested loan amount if necessary. Regardless of which variant the borrower wants to prefer, he should compare different loans and different banks.

Online loans – usually be an instant loan

Online loans - usually be an instant loan

If a loan is to be paid out in 24 hours, it will usually be an instant loan. It can be requested around the clock on the Internet, for which the bank provides a corresponding form. This form must be completed correctly, provided with the personal data and sent to the bank. Once this has been done, the bank will obtain Credit bureau information, which should at least be neutral or ideally positive. Otherwise, the desire for a loan will be very difficult to realize.

If the Credit bureau test is positive, the customer receives a message that his loan request can be provisionally met. The bank can only make a final commitment if all other credit requirements are met, which primarily include a regular, sufficiently high and secure income.

If all the requirements are met, the loan can be paid out in 24 hours. It is even faster if the customer requests a lightning transfer, which is, however, associated with fees. Here the money is in the account within a few hours. If no explicit purpose is stated, an instant loan is freely available.

Branch loans – agree to immediately check a loan application 

Branch loans -

There are only a few branch banks that agree to immediately check a loan application and get the money paid out within a few hours. For this reason, anyone who is interested in a loan from the house bank or another German branch bank should inquire beforehand exactly how long it takes to process the loan application and whether a cash payment of the entire loan amount is possible.

A transfer to the account usually takes a little longer. Even if a loan is paid out in 24 hours, the customer has to factor in the transfer method so that it can take several days before they can have the money.

The repayment of the loan is regulated individually and recorded in the loan agreement. The contractual agreements relate not only to the term and the repayment rate, but also to the question of whether early repayments or loan repayments are possible.