Cashper AT review

Loan amounts run €100 to €1,500, so the money covers a modest cost rather than a large purchase. Terms run 15 to 60, so you can spread a small balance over a longer period or clear it sooner. Both a personal loan and a payday loan are offered, aimed at a single borrowing need.

The annual rate is 13.48% to 13.5% and the rate type is fixed, so the figure quoted at the start is the figure you keep. Cashper publishes a representative example alongside the rate, showing interest and the total repayable on a short loan, which makes the real cost straightforward to check before applying.

Applicants need to be adults resident in Austria with a regular net income. Cashper offers personal and payday loans (personal and payday), so the products are aimed at individual borrowing rather than business finance. A hard credit check (hard) also sits behind the application, so the file has to hold up.

Same-day funding is available with the paid SUPER-DEAL, which Cashper lists as same day funding. Outside that paid deal the standard payout takes several business days, and a longer calendar window can apply, so plan for the slower route when the cost of a deal matters more than the wait.

The credit check is hard, so your file is examined in full rather than through a soft prequalification. Cashper also asks for a regular net income, which makes a stable monthly pay the baseline for approval. Borrowers with a thin history have less to offer here.

Cashper AT is a direct lender, direct lender, and the legal entity is Bank DiMare Limited, based in Malta. It is regulated there by the Malta Financial Services Authority. A direct lender means the contract is with that named entity rather than a broker.

Support runs on email, phone and help centre, so a phone line, an email address and a self-serve help centre are all available. The entity named on your agreement is Bank DiMare Limited, so have the contract details ready when you call and you should reach the party that issued the loan.

Cashper's fixed 13.48% to 13.5% sits below the 14.43% typical of the personal loans comparison and far below the 36.5% typical of payday lending. The band is narrow, though, and a hard credit check means the rate alone does not decide an application.