Cashper review 2026

Cashper shows a representative example under the German Price Indication Ordinance (Preisangabenverordnung): 400 euros net loan amount, one instalment, one-month term, total amount 404.18 euros, fixed borrowing rate 12.71 per cent, effective annual interest rate 13.48 per cent. Regardless of creditworthiness, the interest range moves within a narrow corridor: borrowing rate 12.50 to 13.00 per cent, effective annual interest rate 13.40 to 13.60 per cent (as of September 2026). There is no credit-score-based tiering in the true sense; between the best and worst terms there are only around 0.2 percentage points. The methodology criterion "effective annual interest rate at 10,000 euros over 48 months" cannot be applied to Cashper, because the product structurally provides for neither that amount nor that term (maximum: 1,500 euros over 60 days). We therefore rate the criterion at 0 points. The closest verifiable figure leads to the same result: 13.48 per cent effective is well above the methodology's 10 per cent threshold. For comparison: for classic instalment loans, the cheapest offers in September 2026 are around 0.7 to 6 per cent effective, and the market average about 6.2 per cent. Decisive for the actual costs are the chargeable additional options. The SUPER-Deal (payout within 24 hours) costs, graded by loan amount, 39 euros (up to 199 euros), 69 euros (200 to 399 euros) and 99 euros (400 to 599 euros); for higher amounts the fee rises accordingly. For a 500-euro loan over 30 days, around 5 euros of interest are therefore set against up to 99 euros in option fees. For splitting into two instalments, third-party sources cite surcharges of up to 149 euros, while other sources describe the two-instalment option as currently free; we have not found a reliable public price list for it. Cashper does not charge a classic processing fee on the basic loan. Scoring (3/28): Effective annual interest rate in the methodology example 0 of 20 points, as the product does not offer this configuration and the stated effective rate is also above 10 per cent. Two-thirds interest rate 0 of 5 points, because the representative rate is more than 2 percentage points above the best market rate. Processing fees 3 of 3 points, as the basic loan comes without a processing fee; the SUPER-Deal charges, which effectively drive up cost, are formally optional additional services and are not counted as a processing fee here, but are included in the cons.

The free standard payout is the weak point of the offering. Cashper does not publish a binding deadline for it. Independent test portals cite 4 to 7 working days for the free route, other sources even 7 to 10 working days; individual customer reports speak of 2 to 4 days. Anyone who wants the money faster has to book the chargeable SUPER-Deal: payout within 24 hours, and the same day if the contract is signed before 1pm, for 39 to 99 euros depending on the loan amount. Payout at the weekend cannot be verified. Customer service can be reached Monday to Friday from 9:00 to 17:30, and Cashper does not promise processing or transfers on Saturdays or Sundays. The claim of weekend payout, as it appears in older market overviews, could not be confirmed in current public sources. Scoring (1/20): Payout speed 0 of 15 points. Cashper gives no binding deadline for the free standard payout, and publicly documented statements range from 2 days to 10 working days. Under our rule, for criteria that cannot be verified we award the worst verifiable band, here "more than 5 working days". Express option 1 of 3 points, because it exists but only for a fee of 39 to 99 euros. Weekend payout 0 of 2 points, as it is not verified and service hours speak against it.

Terms are 15, 30 or 60 days. The whole offering is therefore below the lowest band of the methodology, which starts at 6 months. Loan amounts range from 100 to 1,500 euros, although new customers on a first application usually receive only 100 to 600 euros; higher amounts are only unlocked after a first loan has been repaid in full. Early repayment is a positive: at Cashper it is possible at any time in full and without a prepayment penalty, which with the short term genuinely saves interest. A real free repayment holiday, on the other hand, does not exist. Anyone who wants to stretch out repayment either uses the two-instalment option on a 60-day term or an extension; according to the sources available, both come with additional costs, and surcharges of up to 149 euros are cited for the two-instalment option. Scoring (10/21): Term flexibility 0 of 6 points, because with 15 to 60 days only three very short terms are available and the methodology bands (from 24 months upwards) are not reached at all. Loan amount 1 of 4 points for the limited range of 100 to 1,500 euros, effectively 100 to 600 euros for new customers. Extra repayments 8 of 8 points, as full early repayment is possible free of charge at any time. Repayment holiday 1 of 3 points, because stretching repayment is only offered for a fee.

The application runs entirely online. After entering the loan request, personal data and income details, the contract is concluded digitally, and no trip to the post office or a branch is needed. Identification takes place online via video identification or the provider's Verify-U procedure. Required proof such as payslips or bank statements can be uploaded digitally; Cashper gets in touch by email, text message or telephone if documents are missing or illegible. Cashper does not promise an immediate, final loan approval directly in the application form. From the promise that payout is made on the same day if the contract is signed before 1pm and the SUPER-Deal is booked, it can be inferred that the decision is normally made within a few hours, but not in seconds online. We found no documented fully automatic instant decision. Scoring (12/14): Online application 5 of 5 points for the fully digital journey including digital contract conclusion. Instant approval 2 of 4 points, as a decision within hours is verifiable, but a true instant approval in the application process is not documented. Identification procedure 3 of 3 points for video identification. Digital document upload 2 of 2 points.

Cashper requires a minimum age of 18 (maximum age 75), a main residence in Germany, a German bank account and a regular net income of at least 400 euros a month. Income must be verifiable and regular. A Schufa check takes place, but a negative entry does not automatically lead to rejection; the loan application is reported to Schufa. Cashper does not state a minimum length of employment in its published list of requirements; all that matters is proof of regular income. For the self-employed and freelancers, approval is according to consistent reports significantly harder, because fluctuating profits are generally not accepted as proof of stable income; the group is not formally excluded. Whether a second borrower can be added to the contract cannot be seen from the publicly available documents; we found no indication of joint applications. Scoring (5/9): Minimum income 2 of 3 points, as 400 euros net is a low hurdle, but a hurdle nonetheless. Length of employment 2 of 2 points, because the published list of requirements contains no minimum length of employment but only demands regular income. Self-employed 1 of 3 points, as lending only takes place under tougher conditions for proof of income. Second borrower 0 of 1 point, because we found no verifiable information on it and therefore award the worst band.

Telephone customer service can be reached Monday to Friday from 9:00 to 17:30; on the contact page itself, Cashper mainly shows the email address. A free service number is not publicly documented, so we cannot assume free telephone support. An online customer area exists under the "Mein Konto" login: there you can view the loan status, pay invoices and make further applications. Full contract administration beyond that is not documented, and users repeatedly report technical problems with login and the app. On customer reviews, Cashper does above average: on Trustpilot, cashper.de gets 4.5 out of 5 stars from around 9,400 reviews (as of September 2026). Praise goes mainly to the straightforward application journey, the quick response and the reliability of payout. Criticism is almost exclusively about the high cost of express payout. Scoring (5/8): Telephone support 1 of 3 points, as availability is verified but a free number is not. Online customer area 1 of 2 points, because the login area can only be verified with limited, publicly documented functionality. Customer reviews 3 of 3 points for 4.5 stars on Trustpilot with a high number of reviews.