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CashCape offers the first fair and transparent micro-loan in Germany. There are no hidden fees and no usurious interest rates!
Every new customer can apply for a loan up to 500€ within minutes. May it be just for a few days or up to 3 months – it's adjustable with a fingertip. Once the first loan is fully paid back the account will be upgraded making a maximum of 2,500€ applicable. CashCape is a fair alternative to expensive overdraft credits! Unlike other lenders, CashCape takes no extra fees for anything – only the clearly displayed and transparent interest rate is charged!
Only a smartphone and an ID is needed to apply for a loan. CashCape neither asks unnecessary questions nor requests any scanned documents. It's done fully digital!
CashCape really does not care about SCHUFA's scoring mechanism. No information is requested from or sent towards the SCHUFA during the whole process – credit scores there remain fully untouched.
How is CashCape doing this? CashCape developed a scoring mechanism together with renowned partners of the German banking industry. Core of this scoring mechanism is an automated analysis of the customers' checking account data combined with several socio-demographic scoring parameters. Based on this data, CashCape is able to offer the customers additional tailor-made saving tips.