How does it work?
Discover how easy it is to obtain a loan from ERAZUS: a clear, fast, and stress-free process designed for maximum transparency and simplicity.
3 Min.
Request time
24h
Fast approval
100%
Online process
A simple and quick process
ERAZUS has revolutionized the way people apply for loans in Italy. We eliminate unnecessary bureaucracy and reduce waiting times by making everything digital and accessible.
No documents
No queues at the branch, no documents to print out or sign.
100 % online
From the initial inquiry to signing the contract, everything can be done conveniently online from home.
Quick response
Get approval in record time: within 24 hours of submitting your complete application.
Complete transparency
Clear terms and conditions, no hidden costs, fixed TAN and APR, communicated in advance.
The process in 4 simple steps
Discover how ERAZUS works: from the application to the disbursement of the loan, simple and transparent.
Fill out the form
Fill out our online form and we will only ask for the most important information. Quick and easy, in less than 3 minutes.
- Basic personal details
- Information on income
- Desired amount and term
Time required: 3 minutes
Immediate verification
Our system automatically analyzes the request and checks the approval criteria in real time to provide you with a quick and reliable assessment.
- Digital identity verification (SPID/CIE)
- Quick credit check
- Credit rating
Time required: immediately
Electronic signature
After approval, you will receive the contract for digital signature without having to print out any paper or documents.
- Contract sent by e-mail
- Simple and secure digital signature
- Step-by-step instructions
Time required: 5 minutes
Immediate payout
The funds will be transferred directly to your bank account, usually on the same day or within 24 hours of signing.
- Secure bank transfer
- Notification of the credit via SMS
- Immediate availability of funds
Required time: max. 24 hours
Required documents
We have also simplified the required documents. You only need the following basic documents to apply for a loan:
Proof of identity
Valid identity card, passport or driver's license.
Proof of income
Last payslip or tax return (for self-employed persons).
Bank details
IBAN of your current account for crediting and debiting the monthly installments.
Note: For certain types of loans (e.g. car loans, renovation loans), additional documents such as cost estimates or documents relating to the item to be financed may be required.
Simplified charging
You can upload your documents directly from your smartphone, tablet or computer. We accept JPG, PNG or PDF files.
Your documents are protected by advanced encryption and are automatically deleted after processing.
Chronology of your loan
Here you will find a chronological overview of the approval and disbursement process for your loan.
Request
Fill out the online application form and upload the required documents.
Day 1
Authorization
Verification of the information and approval of the application within 24 hours.
Day 1-2
Contract signing
Electronic signing of the contract documents and confirmation of the loan.
Day 2
Issue of funds
The amount is credited to your current account within 24 hours of signing.
Days 2-3
Refund
Start of the repayment plan with direct debit of the monthly installments.
From the following month
Admission criteria
To apply for a loan from ERAZUS, you must meet the following basic requirements:
Age
Between 18 and 75 years
Residence
Residence in Germany
Income
Stable and verifiable income (salary, pension)
Bank account
Current account with residence in Germany
Note: Even if you have had financial difficulties in the past, we examine each case individually. Contact us for a personal consultation.
Acceptance rate
ERAZUS accepts most applications thanks to our innovative scoring system, which takes more factors into account than traditional banks.
Would you like to know whether your loan application will be approved?
Individual advice from an expert
Our consultants will help you find projects that match your values and your financial resources.
Frequently asked questions
Here you will find answers to the most frequently asked questions about the loan application process.
How long does the whole process take?
The process is extremely fast:
Completion of the application: approx. 3 minutes
Review and approval: within 24 hours of application
Electronic signature: 5-10 minutes
Disbursement of funds: within 24 hours of signature
In many cases, less than 48 hours elapse between application and crediting of funds.
Do I have to come to the branch to sign the documents?
No, the process is completely digital. The signature takes place online using a simple and secure procedure:
You will receive the contract by e-mail.
Follow the instructions for the electronic signature.
Confirm your identity with an OTP code sent to your cell phone.
The electronic signature has the same legal validity as a handwritten signature, but is much more practical and faster.
How is my identity verified online?
We use a secure and legally compliant identity verification process:
Verification of the uploaded ID document
Comparison with the data entered
Verification of the bank account
In some cases, rapid video identification
Everything is done automatically and quickly, with maximum security and in compliance with money laundering laws.
Can I apply for a loan if I have had credit problems in the past?
Yes, we review each application individually:
We consider your current situation, not just the past.
If you have had minor payment delays, this may not be a problem.
For more serious problems, we check your current ability to repay.
Our approval algorithm is more flexible than traditional institutions. Contact us for a personalized assessment.
What happens if I have difficulty paying a monthly installment?
We understand that temporary difficulties may occur:
Please contact us immediately if you have any difficulties.
We can offer you flexible solutions, such as deferring an installment (maximum once a year).
In the event of more serious difficulties, we will draw up an individual repayment plan together.
Our priority is to help you manage your loan without stress. Timely communication is essential to find the best solution.
Do you have any further questions about our process?
Are you ready to apply for your loan?
It only takes a few minutes to complete the application and receive your loan within 24 to 48 hours. Our process is secure, fast and completely online.
- No hidden costs
- Response within 24 hours
- Guaranteed fixed interest rate