Digital Credit Request: Get your money in 5 steps without any paperwork
11 Jun 2025
Katrin Straub
Managing Director at nextsure
Do you quickly need financial resources but shy away from the cumbersome process involving countless documents and long waiting times? A digital credit application can often be processed entirely online in less than 24 hours. Learn how to receive your loan quickly and securely without the hassle of paperwork.
The topic in brief and concise terms
A digital loan application can shorten the entire process from application to payout to under 24 hours.
Key technologies such as video identification and the qualified electronic signature (QES) make the process completely paperless and legally valid.
Thanks to digital account insights, salary slips are often no longer required, which significantly simplifies the application process.
Der klassische Weg zum Kredit ist oft mit wochenlangem Warten und ganzen Ordnern voller Papierkram verbunden. Für eine dringende Autoreparatur oder eine unvorhergesehene Nachzahlung ist das keine Lösung. Die digitale Kreditanfrage revolutioniert diesen Prozess: Dank moderner Verfahren wie dem digitalen Kontoblick, Video-Identifikation und der qualifizierten elektronischen Signatur (QES) können Sie den gesamten Antrag von zu Hause aus in Minuten stellen. Viele Anbieter ermöglichen eine Auszahlung innerhalb von nur einem Werktag. Dieser Artikel zeigt Ihnen, wie Sie eine digitale Kreditanfrage ohne lästigen Papierkram schnell durchführen und worauf Sie achten müssen, um sicher und zu fairen Konditionen ans Ziel zu kommen.
Accelerated process: From request to payout in under 24 hours
While traditional loan applications can take five to ten business days to process, a digital loan inquiry is often completed by the next day. Many providers promise payout within 24 hours if all steps are conducted digitally. This speed advantage of over 80 percent is made possible by automated processes and the elimination of postal delays. The entire process from data entry to contract signing takes place online. The instant loan decision that many digital platforms offer gives you an initial response to your inquiry within minutes. This turns weeks of waiting into a matter of hours.
Key technologies that eliminate paperwork
Two technologies are crucial for quickly completing a digital loan application without paperwork: the video identification process and the Qualified Electronic Signature (QES). The video identification process replaces the trip to the post office and often takes only five to ten minutes. During this process, your identity is confirmed via video chat with a valid ID document by a certified provider. The QES is legally equivalent to a handwritten signature and allows for legally binding contracts to be concluded on-screen. This combination meets all legal requirements and makes the process 100 percent digital. A secure online identification process forms the basis for a quick conclusion.
The digital process typically unfolds in these five steps:
Calculate the loan online and complete the application form.
Conduct a digital credit check (often via a financial overview).
Confirm your identity via the video identification process in a few minutes.
Digitally sign the loan agreement with a QES confirmed by an SMS TAN.
Often receive the payout of funds by the next business day.
Reduced Requirements: Which Documents You Really Need
Unlike the traditional process, applying for a digital loan requires significantly fewer documents. Usually, three things are enough: a valid identity document, a smartphone or computer with a camera, and access to your online banking. Instead of payslips or tax assessments, many providers use what's known as digital account view. This allows the loan system to automatically and once-off check relevant account information such as salary receipts and regular expenses. This step takes only a few minutes and replaces the tedious task of collecting and scanning documents. A correctly created budget plan is automatically verified as a result. This not only makes the process faster but also easier for you.
Focus on Security: Data Protection and SCHUFA Query Explained
The transmission of sensitive financial data requires the highest security standards. Reputable providers use SSL encryption for data transmission, which protects your information. The digital account view is also a secure process carried out by licensed service providers and follows the principle of data minimization. Only the data necessary for the credit decision are analyzed for a maximum period of 90 seconds. During the SCHUFA check, a 'credit conditions request' is made in the first step. This conditions request is SCHUFA-neutral and has no impact on your score. Only upon a binding credit agreement is a report made to SCHUFA. A credit comparison with a seal of approval can additionally instill trust.
Choose the right provider for your online loan
The choice of the right partner is crucial for a positive experience. Do not just look for a low interest rate but also for transparent and fair conditions. A reputable provider is characterised by several features. Our experts recommend paying attention to the following four points:
Transparent Costs: The effective annual interest rate should include all costs, with no hidden charges.
Flexible Repayment: Free special repayments or the option of payment holidays provide financial flexibility.
Clear Data Protection Policies: The provider should clearly state how your data is processed and protected.
Positive Customer Reviews: Independent testimonials provide insight into the provider's service quality.
A digital instant loan should always meet these criteria. At nextsure, we emphasise supporting you in selecting vetted financial solutions. Request an individual risk analysis now: Have your insurance situation checked for free and receive specific optimisation suggestions.
More useful links
Statista offers a comprehensive topic page on credit and debt.
Bundesbank provides detailed information on the credit data statistics AnaCredit.
marktforschung.de offers an article on the impact of digital platforms on consumer credit uptake and purchasing behaviour.
Bundesbank publishes a press release on the results of the Bank Lending Survey in Germany.
Mordor Intelligence offers an industry report on the digital lending market.
SCHUFA provides information in an article about the 'Buy Now, Pay Later' boom and the Credit Compass 2024.
Bank-Verlag offers an article on the subject of loans.
Tink explains credit checks with a digital account check in a blog article.
Verbraucherzentrale provides information on the Postident procedure and alternative identification methods.
FAQ
Was ist der Vorteil einer digitalen Kreditanfrage?
Der größte Vorteil ist die Geschwindigkeit. Der gesamte Prozess ist oft in weniger als 24 Stunden abgeschlossen. Zudem ist er bequem von zu Hause aus durchführbar und erfordert dank digitaler Verfahren wie dem Kontoblick und Video-Ident deutlich weniger Aufwand und keine Papierdokumente.
Was bedeutet „digitaler Kontoblick“?
Der digitale Kontoblick ist ein Verfahren, bei dem Sie dem Kreditanbieter erlauben, einmalig und automatisiert Ihre Kontoumsätze zu analysieren. Dies ersetzt die Notwendigkeit, Gehaltsnachweise und Kontoauszüge manuell einzureichen, und beschleunigt die Bonitätsprüfung erheblich.
Beeinflusst jede Kreditanfrage meinen SCHUFA-Score?
Nein. Wenn Sie verschiedene Angebote vergleichen, stellen die Anbieter eine „Anfrage Kreditkonditionen“. Diese ist SCHUFA-neutral und für andere Banken nicht sichtbar. Nur wenn Sie einen Kreditvertrag verbindlich abschließen, wird ein „Kreditanfrage“-Merkmal eingetragen, das den Score beeinflussen kann.
Kann ich einen digitalen Kredit auch vorzeitig zurückzahlen?
Ja, bei den meisten digitalen Ratenkrediten sind kostenlose Sondertilgungen oder sogar eine vollständige vorzeitige Rückzahlung jederzeit möglich. Achten Sie auf diese Option in den Vertragsbedingungen, da sie Ihnen mehr Flexibilität bietet.
Welche Voraussetzungen muss ich für einen Online-Kredit erfüllen?
Die Grundvoraussetzungen sind in der Regel Volljährigkeit, ein Wohnsitz und ein Bankkonto in Deutschland sowie ein regelmäßiges Einkommen. Zudem wird eine ausreichende Bonität vorausgesetzt, die durch eine SCHUFA-Abfrage und oft den digitalen Kontoblick geprüft wird.
Ist das Video-Ident-Verfahren kompliziert?
Nein, das Verfahren ist sehr einfach und nutzerfreundlich. Ein Mitarbeiter eines zertifizierten Dienstleisters leitet Sie per Video-Chat durch den gesamten Prozess, der meist nur wenige Minuten dauert. Sie müssen lediglich Ihren Ausweis in die Kamera halten und ein paar Fragen beantworten.
