Ferratum Money review 2026
How good is Ferratum Money really?
72/100 points
kosten.org editorial team
Last updated: 2026-02-03
72/100
Points
Ferratum Money is an international provider of mini-loans with its own banking licence. Compared with Cashper, Ferratum offers higher loan amounts (up to €3,000) and often somewhat better terms.
Highlights of our Ferratum Money review
- Loans up to €3,000 possible (more than at Cashper).
- Own banking licence for more security.
- Quick decision and payout.
- Listed company.
Table of contents
1 Terms & costs
13/20
Points
Interest at Ferratum is effectively around 10-14% p.a. – comparable to Cashper. The advantage: the fee structure is more transparent, with fewer hidden extra costs.
The "Xpresskredit" allows amounts up to €3,000 with terms of up to 6 months – significantly more flexible than pure mini-loans.
2 Payout & speed
15/20
Points
With a positive check, payout is made within 24 hours. With the express option, same-day payout is possible.
The application journey is entirely digital and takes about 10 minutes. Identification is by video identification.
3 Credit check
13/20
Points
Ferratum checks creditworthiness, but is more lenient than traditional banks. With minor Schufa (German credit bureau) entries you have good chances. Regular income is a requirement.
Compared with Cashper, Ferratum is somewhat stricter on credit checks, but the terms are often better.
4 Security & credibility
16/20
Points
Ferratum belongs to the listed Multitude SE (formerly Ferratum Oyj) and has its own banking licence in Malta. That offers more security than pure loan intermediaries.
Regulation is by the Maltese MFSA, which is subject to strict EU standards.
Pros & cons at a glance
Pros
- Higher loan amounts
- Own banking licence
- Transparent fees
Cons
- Maltese regulation
- Less well known
- No branch advice
Conclusion: Ferratum Money review
72/100
Good (2.4)
Ferratum Money is a solid choice for mini-loans with higher amounts. The banking licence and stock exchange listing offer additional security.
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