Credit line without Schufa: These 13 facts protect your savings

Credit line without Schufa

A line of credit without Schufa is a call credit that is granted without checking the Schufa file. A line of credit is similar to the usually somewhat more expensive overdraft facility with Girokonto. This is because a line of credit and an overdraft facility are credit lines that you only draw on when necessary. In addition, unlike an overdraft facility, a line of credit is not tied to the Girokonto and can be used independently of ... Read more

Credit in 30 min. on the account (without Schufa)

Credit in 30 min on the account

The providers presented here have fully digital processes and use express transfers to enable a loan disbursement in the account in 30 min. However, you should allow a few hours for the money to post to the account. Quick loans in the comparison calculatorWhat you can learn here1 Quick loans in the comparison calculator2 Summary: Everything you need to know about the loan in 30 ... Read more

Loan without SCHUFA experience (SMAVA)

smava experiences

Credit without SCHUFA? Get a loan despite negative SCHUFA entry! After submitting the form, a loan is possible despite a negative SCHUFA entry. On this page you will learn what experiences others have collected with a loan without SCHUFA. We look at the provider SMAVA. Credit without SCHUFA experiences with SMAVA as a financial service provider? The experiences with ... Read more

Instant loan despite Schufa

Borrow money and pay out today

Through our financing partner, it is possible to obtain an instant loan despite Schufa information. Thus, even people with moderate creditworthiness or self-employed with highly fluctuating income can obtain a loan "without SCHUFA query". Requirements for conventional loans To apply for a loan, some requirements must be met. This has the background that lenders protect themselves from payment defaults ... Read more

Loan for trainees: guide for trainees

credit for trainees

The trainee salary is usually not sufficient for larger purchases. In this phase of life, however, there are often larger blocks of costs. If you move into your own apartment because of your job, you have to pay for moving and furnishing costs. If parents and relatives cannot help here, a loan for trainees can help. Getting this isn't always... Read more

[Solved] Klarna installment purchase does not work: Check these 3 causes now

Klarna installment purchase does not work

The Klarna installment purchase does not work and it is unclear why? There are several reasons why the Klarna installment purchase may not work. In this article, I will tell you the 10 most common blockers of a Klarna installment purchase and show you solutions on how to make the Klarna installment payment work. I will explain solutions for: Whether ... Read more

PayPal installment does not work: how to fix these 14 blockers directly

PayPal installment payment does not work

The Paypal installment payment does not work and it is unclear why? There are several reasons why the PayPal installment payment can not work. In this article I will tell you the 11 most common blockers of a PayPal installment payment and show you solutions how it still works with the PayPal installment payment. Common reasons why the PayPal installment payment does not work ... Read more

6 Ways: Buy on installments as a new customer despite Schufa

Buy on installments as a new customer despite Schufa

Buying on installments as a new customer despite Schufa is usually not possible at the mail order company directly. This we have in the article Where can I buy on installments despite negative SCHUFA? - 4 creative possibilities already noted. This is especially true for new customers. However, even as a new customer, you still have options to buy on installments despite Schufa. Allen ... Read more

Where can I buy on installments despite negative SCHUFA? - 4 creative possibilities (also for new customers)

Where can I buy on installments despite negative SCHUFA

With a negative Schufa information an installment purchase in the online store is directly no longer possible. If there is still a need for technology, furniture or a car, alternative ways must be found via loans despite negative Schufa. Here you can find out everything you need to know about buying in installments despite negative Schufa. The focus is on the question "Where can I ... Read more

4 ways to buy a high-efficiency washing machine on installments despite SCHUFA entry

Washing machine on installments despite SCHUFA

The purchase of washing machines is associated with high costs. By buying in installments, you can spread the cost of your new washing machine over several months. If you buy a washing machine on installments despite Schufa entry, the financing will be easier for you. So you can afford a high-quality washing machine today, and do not have to wait for cheap ... Read more

Installment purchase without Klarna: 14+ suitable mail order companies

Installment purchase without Klarna

Klarna has come under fire from consumer advocates and regulators. The British advertising regulator has already banned Klarna advertising in 2020 because the provider encourages customers to use credit irresponsibly. Since electronic items are often only affordable for many via installment payments, but Klarna has a bad reputation, the focus today is on alternatives. Here you will therefore find ways to ... Read more

4 ways to buy a TV in installments despite SCHUFA (Also for new customers)

TV on installments despite SCHUFA

The purchase of TV sets is associated with high costs. By buying in installments, you can spread the cost of your new TV over several months. This way, you can afford a high-quality smart TV or a brilliantly sharp 4K TV today, and don't have to resort to low-quality TVs with blurry picture or poor sound. ... Read more

When does the Sigma Kreditbank reject? - All 10 causes + explanation / Best alternatives

When rejects the Sigma Kreditbank cover image

When does Sigma Kreditbank reject? In fact, Sigma Kreditbank refuses a large number of credit applications due to insufficient income and negative debt record. But there are countless more reasons for Sigma Kreditbank credit needs rejection. In this post, you'll find all the reasons why Sigma Kreditbank might reject your credit application. Summary of the ... Read more

Loan for pensioners (also possible with basic security)

Credit for pensioners

A loan for pensioners can make many wishes come true. In principle, pensioners can apply for a regular installment loan. For a loan as a pensioner, the principle is: the older you are, the more collateral is required. Collateral are, for example, guarantors or second applicants. If, in addition, the Schufa is without negative entries and the monthly income above ... Read more

Is a loan without Schufa serious? - 14 dubious features + super simple checklist

Credit without Schufa - Serious cover image

Many loan providers lure you with false promises of a loan without Credit Bureau. Often - especially in social media - perfidious scams are used to rip you off. Loans with preliminary costs, notary or cash on delivery fees are not legal in Germany. Nevertheless, these and similar fees are required for loans without Credit Bureau. Because by no means all providers without Schufa ... Read more

Better to keep your hands off Smava? - These 4 reasons put Smava in a bad light

Hands off Smava

"Philipp, you credit rocket!" - The endless Smava ads on YouTube can sometimes trigger a gag reflex and the short-circuit reaction "Hands off Smava". We therefore examine today, whether one can trust the provider Smava, or whether one leaves nevertheless better the fingers away from Smava. If you want to take out a loan, the provider ... Read more

Loan for students with one-time payment: 3 Best BAföG Alternatives

Focus on your studies with a student loan

Apply for a student loan during your studies? - If BAföG is not enough and your parents cannot cover the costs, you have to find another source of money for your studies. In addition to a part-time job or a scholarship, a student loan is also a possibility. In contrast to an installment loan, the KFW student loan is paid out in monthly installments. And also the repayment ... Read more

Loan after residual debt discharge: 15+ best providers

Credit after residual debt discharge

Update: Since March 2023, a loan after residual debt discharge is within reach at many credit institutions. Since then, the Schufa deletes the note "granted discharge of residual debt" already 6 months after the discharge of debts has been granted. Before that, the deletion from Schufa only took place after 3 years. Other credit bureaus such as Crif or Creditreform delete the note after ... Read more

Does Sigma Bank grant credit despite residual debt discharge in 2023?

Sigma Bank loan despite residual debt discharge

In this article, I explain whether Sigma Bank will grant you a loan despite residual debt discharge and how I arrive at my assessment. In the official credit requirements of the bank, you get only general information on the granting of credit such as "No current insolvency proceedings, no wage garnishment / assignment" and "No entry in the Central Enforcement Court". Why can one deduce ... Read more

Best 15 providers: Which bank grants credit with poor credit rating?

Which bank grants credit with bad creditworthiness

Many people are looking for answers to the questions "Which bank gives credit if your credit rating is bad?", "Which bank gives credit despite negative credit bureau?" or "Which bank is the easiest to get a loan from?". In essence, it is always about getting a loan with a high acceptance rate if you have a bad credit rating and despite a negative entry! If the credit rating... Read more

Best 11 providers: Where can you really get a loan despite negative Schufa?

Where to really get a loan despite negative Schufa

The best way to find a reputable bank where you can really get a loan despite negative Schufa is to rely on data. As a loan comparison portal, Konto-Kredit-Vergleich.com has plenty of data from banks and loan providers of negative Schufa. While many providers rarely pay out a loan, our data shows crystal clear where you really get a loan despite negative Schufa.

Which bank gives credit despite negative Schufa? - Top 15

Which bank gives credit despite negative credit bureau?

Do you also belong to the group of people who were rejected by the house bank or a direct bank because of a Schufa entry? I know that this is frustrating and will help you in this article in your search by finding out which bank gives a loan despite negative SCHUFA. The recommended providers work without any upfront costs or other processing fees. ... Read more

Is Bon-Kredit a rip-off? My honest rating (+5 reasons)!

Bon Kredit ripoff

To the offerer: Bon-Kredit.de Is Bon-Kredit a rip-off? Bon-Kredit is a reputable credit broker and as a Swiss provider has a good connection to Swiss loans without Schufa. However, the protection of the loan without a guarantee of credit are unserious and often does not serve the customer. In my opinion, an inquiry at Bon-Kredit is worthwhile but alone for comparison purposes. ... Read more

Credit in difficult cases: 10 seemingly hopeless cases

Loans in difficult cases

Your loan was rejected by the bank? You may belong to a group of people that banks call difficult cases. If you need a loan as: Trainee, student, during the probationary period, with a fixed-term employment contract, unemployed, self-employed, single parent, retired, on parental leave, with a negative Schufa or generally with a bad credit rating, it is difficult to get a ... Read more

What does a negative Schufa information look like? - 4 features + example

what does a negative schufa report look like cover picture

In this article you will find out what a negative Schufa report looks like. Because if you have requested a Schufa information, the question "What does a negative Schufa information look like?" plays an important role. Because only with a little specialist knowledge can you distinguish negative Schufa information from positive information. A negative credit bureau information reduces ... Read more

Credit without proof of income: the best 3 options

Loan without proof of income

This article is all about borrowing money without proof of income. Special loans allow you to get cash without proof of income. In the small loan test, Konto-Kredit-Vergleich.de found that a loan without proof of income is only available from Ferratum Bank*. At Ferratum, for example, you can get a 500 euro loan without proof of income or a 1000 euro loan without proof of income... Read more

Loan with fixed-term employment contract

Loan with fixed-term employment contract

Almost 10 % of all employees in Germany are only employed on a fixed-term basis, according to a recent survey by the Federal Statistical Office [1]. What is good for the company has many disadvantages for employees. These include taking out a loan with a fixed-term employment. In order to nevertheless obtain a loan with a fixed-term employment contract, guarantors or co-applicants often have to ... Read more

Buy PS5 on installments (also despite Schufa, without Klarna, 0 %)

Buy PS5 in installments

The PlayStation 5 is the latest and most powerful gaming console from Sony. The high-end console has been available since November 2020. In the process, the PS5 offers breathtaking graphics and fast loading times for an unparalleled gaming experience. But for many consumers, the question is: How can I afford this new console? One option is to buy the PS5 ... Read more

Which car dealer finances despite negative Schufa? - Top 7

Buying a car with a car loan without Schufa directly from the dealership

The idea of getting financing through a car dealership is an obvious one when buying a vehicle. After all, you know the people at the dealership personally, which often creates a certain level of trust. But if you have a negative Schufa record, it's not easy to get a loan - car dealerships as well as banks reject customers with negative Schufa ... Read more

How to buy high quality furniture on installments despite Schufa in 9 stores without Klarna & as a new customer

Furniture on installments despite Schufa - Without Klarna & as a new customer

The purchase of furniture is associated with high costs. By buying in installments, you can spread the cost of your new furniture over several months. So you can afford high-quality furniture today, and do not have to turn to cheap furniture of inferior quality. With a special loan you can buy furniture despite negative Schufa on ... Read more

Top 7: Buy car on installments despite negative Schufa (without bank)

Buy a car on installments despite negative credit bureau

If you have a negative Schufa record, it is not easy to get a loan for a car - most car dealers as well as banks often refuse customers with negative Schufa listing. However, even in difficult cases there are ways and possibilities to buy a car on installments without a bank despite negative Schufa. If you ... Read more

Bicycle installment purchase despite negative Schufa (also e-bike)

Bicycle installment purchase despite negative Schufa

The purchase of a bicycle is associated with high costs. By buying in installments, you can spread the cost of your new bike or e-bike over several months. This way, you can afford the best technology today without having to dig too deep into your pockets and use up savings. With a special loan taken out specifically for this purpose, the ... Read more

Targobank: Does the bank give a loan despite negative SCHUFA?

Targobank loan despite negative SCHUFA 

In this article, we clarify whether Targobank gives a loan despite negative Schufa. Maybe it's unexpected now: If you have a negative Schufa record, Targobank* is an acceptable, but not the best good address. Because Konto-Kredit-Vergleich.de made the following experience: A loan despite negative SCHUFA is not granted at Targobank. However ... Read more

Lightning loan despite poor credit rating

Flash

Get a lightning loan despite bad credit in under an hour on your account With a lightning loan you can borrow between 100 and 3,000 € ✓Through the instant transfer you can get the money today on the account! ✓The lightning fast express loan is paid out despite poor credit rating due to negative Schufa entries ✓Flexible repayment: The loan can be repaid in one, ... Read more

Buy Xbox on installments despite Schufa (Series X and S)

Buy Xbox on installments despite negative Schufa

The Xbox X and S series are the latest gaming consoles from Microsoft, which have been available in Germany since November 2020. However, the prices for the Xbox are set too high for many. Therefore, many wonder how they can afford the new Xbox, especially if the credit rating has some flaws. One way the ... Read more

Small loan: borrow 200 euros for under 2 euros?

Small loan credit lexicon

Bagatelle generally means a small thing or trifle. The word comes from French and literally means: trifle, trifle. So, according to the loan providers, a petty loan is just that: a trifle. The upper limit for a petty loan is usually 200 euros. As a rule, the customer needs for the application only a small, but ... Read more

Credit despite sick pay - Best options (10+ providers)

Credit despite sick pay

If you receive sick pay, your credit rating is weakened. It is therefore particularly difficult to cover your credit needs in the event of a prolonged illness for which you receive sick pay. Many banks will withdraw from a loan despite sick pay. This is because bank sick pay cannot be garnished like regular earned income. There is a garnishment ... Read more

Car loan without SCHUFA and creditworthiness - 10 banks where it works

Car loan without SCHUFA and credit rating

In this article you will find 10 banks where you can get a car loan without SCHUFA and creditworthiness. You will also find out what loan amount is available for a car loan without a Schufa query, depending on your income. You can lower your monthly rate by making a down payment. Conversely, a car loan without Schufa and down payment means a higher monthly ... Read more

Car leasing without Schufa: 7 suppliers for car leasing without Schufa

Car leasing without and despite negative schufa

Here we talk about car leasing without Schufa and car leasing despite Schufa. We will look at the possibilities of whether and where you can conclude a lease with a small credit check. However, leasing without a credit check is not possible from any provider, because of course every lessor somehow ensures that the installments can be paid. Nevertheless, there are ... Read more

Buy PS5 on installments despite Schufa

Buy PS5 on installments despite negative Schufa

The PlayStation 5 is Sony's most powerful gaming console, which has been available in Germany since November 2020. The prices for the PS5 console have skyrocketed to astronomical heights due to the low supply. Therefore, many are wondering how they can afford the new PS5, especially if the credit rating has some flaws. One way the ... Read more

Loan without income: 4 options (student, Hartz 4, housewife)

No money? A loan without income can help quickly.

In the article Which bank gives credit for low income? I looked for 7 providers who would grant a loan despite a small income. It was noteworthy that there are several different ways to get a loan as a low earner. But is it also possible to get a loan without income or without proof of income? Of course you could also... Read more

Buy PS5 in installments without Klarna

Buy PS5 in installments without Klarna

The PlayStation 5 is the latest model of Sony's successful games console. It still offers an incomparable gaming experience. Unfortunately, this unique experience comes at a high price for the popular PS5 console. At the same time, the provider Klarna is being criticized by consumer advocates and supervisory authorities. The provider encourages customers to take out loans irresponsibly. Read more

Car subscription without Schufa or despite negative Schufa: Top 5

Car subscription without Schufa

There are only a few providers who do not carry out a credit check with the Schufa when concluding a car subscription. Car subscription providers who offer a car subscription despite a negative Schufa entry usually require other proof. Examples of other evidence include sufficient income, a guarantor, or additional security deposit. With many providers, customers are… Read more

Which bank gives credit for low income?

Waiter - Only one of many Berfun with low income

People on low incomes often have a painful experience when applying for a loan: the more someone needs a loan because of their personal finances, the more difficult it is to apply. The "credit paradox" makes it very difficult for low-income earners, housewives, students, part-time workers and retirees to obtain a loan. But this article shows how and with which ... Read more

Swiss credit for Germans

In addition to the impressive mountain panorama of the Swiss Alps, Glacier Express and Alphorn, Switzerland also has an efficient banking system to offer. With the Swiss loan for Germans, we can also share in the benefits of Switzerland north of the Alps.

Why are Swiss loans so popular with Germans? In contrast to most German credit institutions, Swiss banks grant the loan according to different rules of the game. Loans from Switzerland can also be granted with a negative Schufa entry, a “poor credit rating”. In addition, there is no entry at the Schufa for a loan from Switzerland. The name Swiss loan ... Read more

Swiss credit ranking: 7 Swiss credit providers without Schufa

In the Swiss credit ranking list you will find the seven best German credit providers for a loan from Swiss banks despite negative credit bureau and without upfront costs. The Swiss credit providers can arrange a loan without a credit bureau from a foreign bank. Alternatively, these providers also offer you a cheaper loan from Germany. This credit will then be used despite negative ... Read more

Loan declined due to bank statement

Loan declined due to bank statement

ATTENTION! Current loans should be specified correctly and completely when applying for a loan. Finally, the lender usually receives a copy of the bank statements. The bank often requests account statements for the last 3 months. The bank therefore finds out about these obligations anyway. An undisclosed loan does not leave a good impression on the bank and it can lead to ... Read more

Credit Everyone Gets - The Best 2 Options

Credit everyone gets

Many people with a bad credit rating or a negative entry at the SCHUFA urgently need money. Therefore, the question of a "loan that everyone gets" is in the room. If you just want to get a loan, you have to find a bank that checks as few criteria as possible when it is awarded. After all, the loan should be quick for everyone without ... Read more

Credit declined due to chargeback

No money? A loan without income can help quickly.

All information should be filled out completely and correctly when applying for a loan. Finally, the lender usually receives a copy of the bank statements. The bank often requests account statements for the last 3 months. The bank therefore finds out about these obligations anyway. If the bank statements show return debits, the loan can be rejected. But also payments to debt collection companies... Read more

Which bank is most likely to get a loan from?

If you have already asked yourself the question “Which bank is most likely to get a loan from?”, you have come to the right place. Loans that are easy to apply for and that anyone can get are either mini loans of up to EUR 3,000 or an installment loan with a credit line of up to EUR 7,500. You are most likely to get a loan of 1,000 euros with … Read more

No BAföG? Finance your studies without BAföG

No BAföG? Finance your studies without BAföG

Numerous students do not receive BAföG for various reasons. A solution or an alternative to BAföG must therefore be found. Because whether fate is your own fault or not: the course can also be financed without BAföG. The BAföG money tap was often turned off at the change of semester and students are faced with the question "No more BAföG what ... Read more

Borrow money and pay today

Borrow money and pay today

Borrow money and pay it out today: Loans from the mini loan comparison can be on the account in just 30 minutes. A mini loan with immediate payment or a micro loan with immediate payment is used. This is a loan available without a long and complicated credit check process. Because with a mini loan you can borrow up to 3000 euros and ... Read more

Loan without proof of salary - borrow money without income?

An instant loan without proof of income can help quickly!

If you ask yourself the question "Where can I get credit without proof of income" or "Which bank gives credit without income" Konto-Kredit-Vergleich.de can help you. A loan without proof of salary is a way for people without a fixed income to get money. In fact, a serious loan without proof of income is only available from Ferratum Bank*. The bank offers… Read more

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