Loan without SCHUFA experience (SMAVA)


Credit without? Get a loan despite a negative SCHUFA entry! After sending the form* is a Credit despite negative SCHUFA entry possible. On this page you can find out what experiences others have had with a loan without SCHUFA. We look at the provider SMAVA.

Credit without SCHUFA Experience with SMAVA as a financial service provider?

What you can learn here

The experiences with the provider SMAVA are extensively documented in the network. There are already over 1,100 Google Reviews for the provider. Most of them are very positive. But read for yourself here what Google users are writing about SMAVA.

Most experiences with SMAVA as a financial service provider are quite positive. The provider achieves 4.6 ⭐ out of 5 ⭐ possible stars on Google Reviews. Frequently:

  • Easy handling,
  • good support and advice
  • and quick processing


Even if the overall picture is very positive, there are also a few negative experiences with SMAVA as a financial service provider for a loan with or without SCHUFA.

As negative points are the aggressive advertising named by the company.

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✅ Credit without SCHUFA - The tiresome experiences with German banks

Applicants with a negative credit bureau usually do not receive a loan from banks. Not even at Targobank, which is often mentioned on the Internet. Through our financing partner, it is possible to obtain an instant loan despite a negative Schufa entry. Thus, even people with moderate creditworthiness or self-employed with highly fluctuating income can get a loan "without SCHUFA query". This is made possible by loans from private individuals, where the overall financial situation plays a greater role. Provided you are able to repay your loan, there is a solution through our partner - even with negative Schufa and even without proof of income (-> comparison of mini loans without Schufa query and without proof of income).

✅ Credit without SCHUFA - Positive experiences also from freelancers or self-employed persons

At the Provider Smava you get a wide range of financing options. Also offers as a freelancer or self-employed Smava a real alternative to the house bank. The advantages of the provider are quick and unbureaucratic processing, as well as good conditions. Smava is connected to several banks as well as to peer-to-peer lending (credit network of personal loans). The company also offers a there is no cheaper guarantee at. The loan application can be approved promptly and quickly through the provider’s large loan network.

✅ Full discretion

Your credit comparison is not reported to SCHUFA. Discretion is important to the provider. The SMAVA credit comparison has no negative impact on your SCHUFA score. According to the provider, neither your bank nor your employer will find out about your credit comparison. Often credit seekers have concerns that you will not get a loan because of a negative SCHUFA, and apply directly for a peer-to-peer loan without Schufa information. This may result in credit seekers being charged unnecessarily high interest rates. The clear recommendation is therefore to let the provider look for a suitable loan after entering your data. This can lower your loan rate through optimal comparison.

Don't be afraid of the SCHUFA: If your credit rating is good enough, our partner will automatically offer you a loan with a SCHUFA query. In this case, you benefit from significantly better conditions and don't have to worry about anything else. So you only have to make one request. >> CHECK NOW <<

✅ Credit without SCHUFA - Positive experience with credit rating neutral inquiry

German banks report credit inquiries to SCHUFA. SCHUFA then notes the request in your database. There are the types "credit request" or "conditions request". Depending on which type is selected, the SCHUFA score is influenced or not. Credit requests should therefore be entered as "condition request" to exclude influence on your credit rating. In addition, the payout of the loan is reported to Schufa and registered. With a peer-to-peer loan, on the other hand, the SCHUFA entry is omitted. Thus, their SCHUFA score remains as before. According to its own statement, the provider SMAVA always makes a "condition request". This is reinforced by the many positive testimonials.

✅ Credit without SCHUFA - Positive experience with the non-binding and free inquiry at SMAVA.

A serious loan application should not be associated with any preliminary costs. Accordingly, after completing the formno costs. The positive reports show that many people are satisfied with the non-binding and free inquiry

✅ Credit without SCHUFA - Positive experience with fast payment

If you study the testimonials, you will find that that the provider SMAVA serves its customers quickly. Not only can you request your loan discreetly, but you will also receive the money paid out to your account within a few days.

This is due to digitized and lean processes at the provider. The loan amount is available to you within a few days. The testimonials confirm these claims by SMAVA. One more note at the end: The exact duration depends on the loan program.

Credit without Schufa: In 5 simple steps

Loan without Schufa - Step by step guide for online application. Avoid negative experiences. Know what to do.

A loan without SCHUFA is quick and easy to take out

Through our financing partner, it is possible to obtain an instant loan despite a negative Schufa entry. This means that even people with moderate creditworthiness or self-employed people with highly fluctuating income can obtain a loan "without SCHUFA query". The processing of the no-credit check loan is carried out by our financing service provider. As shown above, the process is very simple: Enter the desired loan amount, the desired term and the intended use in the form provided. You will then be asked to enter your personal details. Once the form has been completed and you have attached your supporting documents, you do not need to do anything else. You will receive further information by e-mail in the near future.

A loan without a SCHUFA query - experiences from the self-employed and small business owners

The loan "despite negative SCHUFA" is suitable for everyone. Not only for employees or civil servants, but especially for the self-employed and entrepreneurs. After the request has been checked, it is possible to borrow money without a SCHUFA query. Small business owners in particular benefit from this loan without SCHUFA. After all, depending on the order situation and the customer's payment behavior, it can easily happen that a bad credit rating arises due to fluctuating income. The scenario described is a common reason why the approval of a classic bank loan for the self-employed becomes a problem.

Credit without SCHUFA - All advantages and disadvantages at a glance

Before you apply for a credit bureau-free loan, you should be aware of the advantages and disadvantages of this loan. So that you can quickly get an overview, I have compiled the advantages and disadvantages of taking out a loan despite a SCHUFA entry in a clear pros and cons list.

Advantages: Credit without SCHUFA queryDisadvantages: Credit without SCHUFA query
In case of negative entry in the SCHUFA information usually the only financing possibility Mostly higher interest rates
Usually much faster processing than with conventional bank loans Residence must be in Germany
Fast payment without waiting times Proof of income necessary (usually in a certain amount)
No inquiry at the SCHUFA and therefore no report about the borrowing Framework design usually inflexible: term, installments and loan amount mostly determined by the lender
Online closing: Easy and fast closing via the Internet - No printer required ️ There are many dubious providers around
Advantages and disadvantages of taking out a loan despite an existing SCHUFA entry in a pros and cons list

Don't be afraid of the SCHUFA: If your credit rating is good enough, our partner will automatically offer you a loan with a SCHUFA query. In this case, you benefit from significantly better conditions and don't have to worry about anything else. So you only have to make one request. >> CHECK NOW <<

Credit without SCHUFA comparison: additional tips so that you don't have to make any negative experiences

We all don't like negative experiences. So that this does not happen to you with your loan with or without a SCHUFA query, I have put together a few tips for you. In this way you can avoid negative experiences with your loan from the outset.

Give it a try: A loan request from a normal bank costs nothing

Consumers often underestimate their creditworthiness. Maybe your credit rating is better than you think? Fortunately, this concern is often unjustified. Before you take out a loan without SCHUFA with possibly very high interest rates, you should ask a conventional bank. If you have previously obtained a free SCHUFA self-assessment, you can realistically assess your chances and are spared any nasty surprises.

Payment behavior and probable solvency are decisive

It is the business model of lenders to lend as much money as possible. Because they earn with every euro lent. So, in principle, lenders have an interest in lending money. This is all the more true in periods of low interest rates. If an offer is rejected anyway, it is probably because internal checks by the lender have revealed poor payment practices. The lender then expects that he will not get the money back and refrains from granting the loan. Another reason could be that the loan amount was too high. As a result, the household income is not sufficient to repay the loan installments.

Plan realistically: Create a household bill

Compare your monthly income to your expenses. After all costs have been deducted from your income, you are left with your discretionary income. The maximum rate of the loan is based on this. Keep in mind that not all expenses can always be planned. The washing machine can suddenly break down, a visit to the workshop for the car is more expensive than expected or an additional payment for electricity, gas or telephone costs flutters into the house. For such cases you should plan a buffer. There are also numerous apps that can make your work easier.

Check your Schufa entry

Errors happen with SCHUFA entries. If you have the impression that the bank is unjustifiably refusing you a loan with a SCHUFA entry, it may well be that the SCHUFA score is incorrect. Take advantage of the opportunity once a year Access the SCHUFA score for free. If errors are discovered here, you can arrange for incorrect information to be corrected or for obsolete entries to be deleted.

Not too many loans: Avoid over-indebtedness and keep an eye on costs

In addition, it is advisable not to buy in installments too often, because even smaller financing contributions quickly add up. Better it is a financial cushion on one cash account to create, so that you can fall back on larger purchases. In general, the financing of consumption should remain an emergency.

⚠ There are many black sheep when it comes to credit without SCHUFA. The internet is full of negative experiences ⚠

⚠ Watch out: Dubious providers are bustling about with loans without SCHUFA ⚠

You should be careful with a credit without SCHUFA. On my site, I receive daily various inquiries and spam posts from alleged providers of "reputable" credit free. If you are interested in a credit without SCHUFA, you should be careful. The following criteria can help you to unmask dubious providers:

upfront fees

Reputable providers who arrange a loan without SCHUFA information never require an advance payment in advance. Even particularly fast processing is not invoiced separately by such providers.

No upfront fees: Neither with nor our partner incur any upfront fees

Expensive hotline

Telephone contact should be possible via a normal number or a free 0800 number. If this is not the case, the provider is not serious.

No expensive hotline: You can reach our financing partner via a toll-free number. You can also give me one Mail write.

Credit and insolvency advice from a single source

If you have problems paying back existing loans, do not take out another loan including insolvency advice from a single source. Instead, get help from a professional and independent debt counselor. the charity, Diakonie and the Red Cross are the first points of contact for this.

No lending in the event of bankruptcy: Please contact independent debt counseling if you are having financial difficulties. Credit and insolvency advice from a single source is strongly discouraged!

Expensive additional products

The alarm bells should also ring if the provider tries to offer you nonsensical additional products such as consulting services and insurance.

No expensive additional products: Neither we nor our financing partner try to sell you expensive and nonsensical additional products

Cash on delivery

Contract documents are not sent by reputable providers as cash on delivery. In general, shipping fees for contract documents do not inspire much confidence. Better keep your distance from such providers.

Without cash on delivery fees: You will receive all documents from our financing partner conveniently by e-mail or post, of course without cash on delivery fees!

No imprint

If the provider does not have an imprint, you should refrain from doing so.

With imprint: You can find my imprint here

Many providers who spam me with advertisements via Facebook probably never pay out the promised money. If you have paid fees in advance to the credit broker or counseling, you have little chance to get your money back in court. It is therefore advisable to scrutinize credit providers beforehand.

Requirements for conventional loans

To apply for a loan, certain conditions must be met. The reason for this is that lenders want to protect themselves against payment defaults. It also protects the customer from excessive loan amounts, which may then no longer be repayable. In principle, each bank has its own credit guidelines. However, they are similar in many respects. These are often the following conditions:

Our financing partner offers the possibility of obtaining a loan despite poor creditworthiness. In this case, borrowing money without SCHUFA does not work through a bank, but through the mediation of a loan by private individuals.

Credit without? Get a loan despite a Schufa entry!

✔Fast and serious processing.

✔In addition, there are no upfront costs.

✔Reputed provider for loans despite Credit bureau entry

✔ Receive a personal loan offer within 48 hours. The provider guarantees quick processing of the loan application afterwards.

SMAVA vs Ferratum vs Vexcash

If you are looking for a loan without SCHUFA, you should consult the loan experts at Smava* seek advice. Especially if you are looking for a loan without SCHUFA, you should ask the credit experts at Smava* seek advice. Read more about "Which bank gives credit despite negative SCHUFA?"

**Write a comment if you know a faster one!

However, Smava does not offer one Loan without proof of salary at. With Smava, a regular income of 601 euros is required. Therefore, the self-employed, students, unemployed and people in the probationary period are better off at Ferratum. ferratum* does not require any proof of income! There is also a 24-hour express credit for an additional charge. More on the subject " Express credit without SCHUFA and proof of income!"

There is a faster express loan within 30 minutes Vexcash*. The provider convinces with low fees, fast payout and high customer satisfaction. You need money today? Go to Vexcash! More on the subject "24-hour express credit without proof of income with immediate payment“ you can read here.

Smava's business model: consumers, banks and the provider themselves benefit!

Credit without SCHUFA: FAQ (avoid negative experiences) Part 1

What is a loan without Schufa

A credit without is a loan that either
a) is issued by a foreign bank
b) is assigned privately via P2P, for example

What is Schufa neutral?

Schufa neutral meansthat SCHUFA has received the request, but other banks cannot see it. Schufa-neutral loans therefore do not affect the SCHUFA score

Where can I get a loan without SCHUFA?

Consider carefully whether you can repay a loan despite a SCHUFA entry. It is not uncommon for banks to have their reasons for rejecting a loan application. above the following form* You can apply for a loan without SCHUFA information.
This tips can help you if your request is denied.

What are the disadvantages of a loan without Credit bureau?

In the case of a loan with earmarking, for example a car loan (here for Car Loan Comparison), the Car letter as security deposited. This gives the bank the right to sell the car in the event of defaulting payments. Thus, the bank bears less risk and can pass this on to the customer. Since Loans without a Schufa query can get by without this collateral, the bank charges higher interest rates.

What are the requirements for conventional loans?

Usual Requirements are:
– Residence in Germany
- of legal age
– German bank account
– regular income
– good credit
– some additional collateral such as Vehicle letter for a car loan

What does the effective interest rate include?

Of the effective interest rate In addition to the interest for the repayment, this also includes other costs that arise when the loan is taken out. This makes it suitable for comparing loans with different cost structures quickly and easily. The effective interest rate is usually stated as % pa.

Are the providers of loans without SCHUFA trustworthy?

You should be careful here: Loans without a SCHUFA request are granted by foreign banks or private individuals (P2P lending). In addition to reputable providers, there are numerous swindlers on the market. A common scam is to take advantage of distress through upfront fees or by selling add-on products.

Up to what amount can money be borrowed free of Schufa?

The amounts available for a loan without SCHUFA are limited. As a rule, most providers offer loans without SCHUFA up to a maximum loan amount of 7,500 euros.

Which bank gives me a Credit despite negative SCHUFA?

Since you actually can not get past the SCHUFA or other credit agencies at German banks, there is no possibility to get a loan without SCHUFA at a German bank. With foreign banks it is different. The most common is the Swiss credit. Here the money comes from a Swiss bank and flows into your account without a SCHUFA check. See also: Which bank gives credit despite negative Schufa? - Top 15

What are the disadvantages of a Swiss loan?

A certain minimum income is usually required. Another condition for taking out a Swiss loan is a permanent employment relationship. A third piece of information that Swiss banks would like to know is whether other loan agreements already exist.
for unemployedPensionerstudents or trainee it is therefore usually not possible to take out a Swiss loan. Just because no Schufa request is made does not mean that Swiss banks do not carry out a credit check.

Loan comparison for small amounts: The best small loans from 100 to 3,000 euros

  • Do you need a small loan of 100 to 500 euros? You can find the best providers for a loan amount of up to 500 euros here!
  • Do you need a small loan of 500 to 1,000 euros? You can find the best providers for a loan amount of up to 1,000 euros here!
  • Do you need a small loan of 1,100 to 3.00 euros? You can find the best providers for a loan amount of up to EUR 3.00 here!

*Affiliate link: If you get to a provider via one of these links from my website and open an account there, I may receive a commission. This does not result in any additional costs for you. ❤️ THANK YOU for using these links! ❤️

Disclaimer: This is well researched but non-binding information.

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