Giromatch is a credit platform that specializes in quick and easy loans for private individuals. They offer loans from €100 up to €100,000 with terms ranging from 1 to 120 months. The APR starts at 4.62% and the nominal interest rate is 3.90%. Giromatch offers various types of loans, including instant loans and loans without extensive documentation, which speeds up and simplifies the process. Particularly noteworthy is the possibility of receiving a payout within 24 hours, provided the application is completed on time.
Another unique selling point of Giromatch is the so-called matching system. After entering your personal data and loan requirements, the best possible loan offer from one of the partner banks or lenders is determined, which makes it easier to compare different loan options.
Pros & Cons von Giromatch
Advantages:
- ✔️ Fast payout: In many cases, a withdrawal is possible within 24 hours.
- ✔️ Large selection of loans: Loans from €100 up to €100,000, ideal for small to medium needs.
- ✔️ No extensive paperwork: Many loans can be taken out without complex documentation.
- ✔️ Easy online processing: The entire process is digital and user-friendly.
- ✔️ Suitable for many creditworthiness levels: Even people with weaker credit ratings have a chance of getting a loan of up to €7,500.
Disadvantages:
- ❌ High interest rates with bad credit: Customers with weaker credit ratings have to accept higher interest rates.
- ❌ No personal contact: The process is completely digital, which can be a disadvantage for customers who prefer personal advice.
Who is Giromatch suitable for?
Giromatch is ideal for borrowers who are looking for quick and uncomplicated financing and want to conveniently complete their loan online. It is particularly suitable for people who need small to medium-sized loans and do not want to submit extensive documents.
Giromatch is ideal for…
Customers who need to access a loan quickly and value quick processing benefit from Giromatch. People with medium creditworthiness or those who need loans without extensive documentation will particularly find what they are looking for here.
Giromatch is not for you if…
If you expect extensive personal advice or particularly low interest rates, Giromatch might not be the best choice for you. Customers with the best credit ratings may be able to find more favorable terms at traditional banks.
Alternatives to Giromatch
If Giromatch doesn’t meet your needs, here are some alternatives:
- Bangs: Ofina offers fast loan payouts and flexible repayment options with competitive interest rates.
- Netkredit24: Netkredit24 provides loans of up to €250,000 and offers flexible terms that are particularly suitable for larger financing.
- Maxxcredit: Maxxkredit offers loans up to €500,000 and terms of up to 180 months, making it a strong option for larger projects such as property purchases.
Is Giromatch right for you?
Giromatch is an excellent option if you need a fast, flexible and digital credit solution. Giromatch is a solid choice, especially for small to medium-sized loans and people who want to forego traditional banks. However, always compare the conditions to find the best offer.
Frequently asked questions about Giromatch
Is Giromatch reputable?
Yes, Giromatch is an established credit platform based in Frankfurt that works with various banks and offers transparent conditions.
How high are the interest rates at Giromatch?
The effective annual interest rate starts at 4.62%, depending on your creditworthiness and the term of the loan.
Can I get a loan from Giromatch even with bad credit?
Yes, Giromatch offers loans of up to €7,500 even for people with weaker creditworthiness.
How quickly does Giromatch pay out?
Payment is usually made within 24 hours of completing the application.
What alternatives are there to Giromatch?
Ofina, Netkredit24 and Maxxkredit are strong alternatives that also offer flexible loan options and different terms.
