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

With a negative Schufa information, an installment purchase in the online store is directly no longer possible. If nevertheless need for Technique, Furniture or a car There is a need to find alternative ways of credit despite negative Schufa. Here you will learn everything you need to know about installment buying despite negative Schufa. The focus is on the question "Where can I buy on installments despite negative SCHUFA?" whereby we offer, in addition to the usual mail order for Technology, furniture and consumption also the Car installment purchase despite Schufa consider

On Buy in installments as a new customer despite Schufa is a particular challenge, as the negative Schufa entry cannot be offset by a confidence advantage from previous purchases. But there are also 3 alternatives, which you can find under the link above.

Buy by mail order on installments despite negative SCHUFA?

All mail order companies check the creditworthiness of their customers against the Schufabefore you offer payment by installments. Every mail-order company refuses installment payments for customers with negative Schufa information. However, more expensive installment purchases are still possible via a credit despite negative Schufa. So you can pay even an expensive Buy e-bike in installments despite negative Schufafor example, if you use a private loan for this purpose.

In detail, we looked at Amazon, Otto, Media Markt, Saturn and many other mail-order companies, of which not a single one offered payment in installments with negative Schufa information. We have checked the following mail order companies with regard to payment by installments despite SCHUFA:

Overview table: Mail order companies where you can buy in installments despite negative SCHUFA

Not a single mail order company offers installment payments despite negative SCHUFA.

Payment provider	Online Shop	Installment payment despite SCHUFA?
Klarna	as good as new, Kaufland, Voelkner, Proshop, eBay	Klarna rejects the installment payment with negative SCHUFA. This means that installment payments with mail order companies are as good as new, Kaufland, Voelkner and Proshop not possible with negative Schufa.
Paypal	Alternate, Source, SMDV, eJoker, Digitalo	Paypal rejects the installment payment with negative SCHUFA. Thus, installment payments are with the mail order houses Alternate, Quelle, SMDV, eJoker and Digitalo not possible with negative Schufa.
Otto Payments	Otto	Otto Payments rejects installment payments in the case of negative SCHUFA. Therefore installment payments are not possible with Otto not possible with negative Schufa.
Barclays*	Amazon	Barclays rejects installment payments in the case of negative SCHUFA. Therefore installment payments are not possible with Amazon not possible with negative Schufa.
Targobank*	Media Markt, Saturn	the Targobank rejects installment payments with negative SCHUFA. Therefore, installment payments at Media Markt and Saturn with negative Schufa are not possible via Targobank.
Santander*	Media Markt, Saturn, Cyberport	Santander rejects installment payments in the case of negative SCHUFA. Therefore installment payments are not possible with Media Markt, Saturn and Cyberport with negative Schufa not possible via Santander.
Consors Finance	Media Markt, Saturn, Expert Technomarkt, Lidl, Computeruniverse, Poco	Consors Finance rejects installment payments in the case of negative SCHUFA. Therefore installment payments are not possible with Media Markt, Saturn, Expert Technomarkt, Lidl, Computeruniverse and Pocowith negative Schufa not possible via ConsorsFinanz.
Baur shipping	Baur shipping	Baur shipping rejects the installment payment with negative SCHUFA. Therefore, installment payments are not possible at Baur Versand with negative Schufa.

Installment payment despite SCHUFA at Media Markt

Media Markt is a German electronics retailer founded in 1979. With 870 stores in Europe and a large online store, it is one of the largest electronics retailers in Europe. Notwithstanding this long company history, Media Markt does not offer installment payments despite negative Schufa.

ReasonMedia Markt works with Targobank, Santander and Consors Finanz to finance installment purchases. In this context, both the Targobank*, Santander* and ConsorsFinanz refuse installment payments in the event of negative SCHUFA. Therefore, installment payments are generally not possible at the Media Markt retail group.

Alternative 1: Mini loan!

Alternatively you can use the one mini loan from Vexcash, for example, to pay in installments at Media Markt despite SCHUFA. To do this, first ask the Vexcash mini loan* (1) online without obligation. The loan commitment and payout of the credit amount are likely despite Schufa entry. Once the money is in your account (2) you can buy the products you want at Media Markt (3) and either pick them up at the store or have them conveniently delivered to your home (4).

Alternative 2: Change payment method!

Another alternative in case of negative Schufa entry is to use another Payment method than the installment to use. Of course, you can continue to shop at Media Markt despite a negative Schufa entry.

• The following payment methods are still available despite negative Schufa: Prepayment, direct bank transfer, payment on collection in your store, gift card and giropay.
• Media Markt rejects the following payment methods with a negative Schufa entry: Installment purchase, credit card, Amazon Pay, Apple Pay and Google Pay.

Installment payment despite SCHUFA at Saturn

Saturn is a German electronics retailer founded in 1961 and operating jointly with Media Markt under the umbrella of the MediaMarktSaturn Retail Group. With 139 stores in Europe and a large online store, Saturn is one of the largest electronics retailers in Europe behind Media Markt. Notwithstanding this long company history, Saturn also does not offer installment payments despite negative Schufa.

ReasonSaturn works with Targobank, Santander and Consors Finanz to finance installment purchases (such as Media Markt). In the process, both the Targobank*, Santander* and ConsorsFinanz refuse installment payments in the case of negative SCHUFA. Therefore, installment payments are also generally not possible with the Saturn retail group.

In addition, Saturn offers the same alternative payment methods as Media Markt.

Installment payment despite SCHUFA at Otto

Otto is a mail order company from Hamburg, which was founded in 1949. After Amazon, Otto is the second strongest e-commerce by sales in Germany. But Otto does not offer payment by installments despite negative Schufa.

ReasonAlthough Otto offers in-house financing and purchase on account via Otto Payments, it is still not possible to purchase in installments despite a negative Schufa. This is the Group's way of protecting itself against possible payment defaults.

If you want to buy on installments at Otto despite negative Schufa, come Loans despite negative credit bureau from Vexcash* and comparable providers are eligible. You can also continue to pay despite Schufa by prepayment, giropay, UP savings credit or voucher at Otto to avoid the installment payment.

The payment methods installment, purchase on account, 100 days payment pause, PayPal, direct debit and credit card, however, are no longer available to you with negative Schufa.

Poco installment purchase despite SCHUFA

The furniture discounter Poco finances installment purchases of furniture via the Poco loan. Consors Finanz is the actual lender behind the name. The credit amount is processed via the credit line of the Consors Finanz Mastercard. Consors Finanz does not allow installment payments despite negative Schufa.

Since I myself some time Affiliate of Consors Finanz, I also know the bank behind the scenes. In fact, Consors Finanz rejected every customer directly at the slightest discrepancy.

Here you can find an overview of requested credit cards of Consors Finanz from people with bad credit rating. All 17 requests were cancelled by the bank. It seems that customers with negative Schufa information have hardly any chance with Consors Finanz.

Klarna installment purchase despite SCHUFA

A Klarna installment purchase comes about when ordering through many mail order companies. These include:

• ebay
• as good as new
• Kaufland
• Voelkner
• Proshop

Klarna also does not offer installment purchases despite SCHUFA entry. Therefore, you cannot buy in installments from the stores listed above with a negative SCHUFA and have to use payment methods such as prepayment.

If you don't have the money available, there are also mini-loans from, for example Vexcash* as an alternative to enable an installment purchase despite SCHUFA at ebay, as good as new, Kaufland, Voelkner, Proshop and other Klarna partner stores.

Buy technology on installments despite SCHUFA

It is not possible to buy technology such as laptops, smartphones, computers, dishwashers and more on installments despite negative Schufa at any online store. Nevertheless, there are some good deals to be had on technology up to approx. 1,000 euros still some alternatives with negative Schufa.

a) Use mail order companies that offer installment purchases in-house

If mail order companies do not offer installment payments, you can try Otto or Baur. These two mail order companies handle the installment payment in-house and do not work with service providers such as Klarna or Paypal. The advantage of in-house credit for customers who want to buy technology items on installments despite SCHUFA is that the mail order company and the lender are both very interested in the conclusion of an installment purchase. Nevertheless, even here you will usually (not always!) have bad cards with a negative Schufa and have to switch to mini-credits or another payment method.

In this article you will find some mail order companies that offer the Installment purchase without Klarna offer.

b) Use mini credits!

If the Schufa is negative, you can use the Finance installment purchase with a mini loan. These are loans up to approx. 1000 Euro credit amount to be repaid in a few months.

The advantage: Unlike other financing, mini loans have very low credit requirements. Therefore, a Granting of the mini loan often possible even with negative Schufa entry. Proceed as follows to use mini loans for installment purchases despite negative Schufa:

1) Borrow money

First choose a mini loan. For installment purchases despite Schufa is suitable Vexcash*, as the provider offers loan terms of 3 months without extra charge (multi-installment option). However, if you only want to borrow money for 30 days, it is cashper* the better choice, as the provider offers 0 % financing for this (even despite negative Schufa!).

Request the desired mini loan without obligation. If you do everything digitally and agree to an automated account check, you will receive direct feedback as to whether the loan will be approved.

2) Wait for payment

Now wait for the loan to be paid into your account. If you choose the express option, the Money already in the account in less than a day. Since this option is very expensive with all providers, it is worthwhile only in case of very urgent need.

3) Online shopping on prepayment

As soon as you have the money in your account, you buy the desired product online and pay for it with the money now available to you from the loan. You do not have to disclose to the online store that you have taken out a loan for this purpose. Pay in the store instead by prepayment, then the online store also does not check your Schufa or other documents.

4) Delivery of the desired product 🙂

After the product is delivered, the transaction with the online store is completed. However, remember that it is very important to pay the mini loan installments on time and in full. Late payments will result in additional costs and may negatively affect your credit rating.

c) Take advantage of the framework of a credit card

As an alternative to the mini credit, you can also use the credit line of a credit card to pay your installment purchase despite negative SCHUFA. You can pay the installments via the Partial payment function of the credit card. It is important to note that this plan only works with certain credit cards, because most of the free credit cards directly reject customers with negative Schufa.

To be able to buy by credit card on installments despite negative Schufa, come the cards of the TF Bank* and from Advanzia* are possible. Both have no basic fee and have an installment function (revolving) that allows you to pay off the installments. In addition, both have the advantage that they offer "0 % financing" for up to 51 days.

These advantages and disadvantages arise when using credit cards for installment purchases with poor credit:

advantages

• Despite Schufa buy in installments
• 0 Euro basic fee
• Pay up to 51 days later
• Free travel insurance when you pay for the trip by credit card

Disadvantages

• High interest
• Cash withdrawals earn interest until the statement is settled.
• Repayment only by bank transfer. No direct debit possible (possible with Advanzia).

To the provider:
TFBank.com

Note with both credit cards that the Interest for the use of partial payment hoch are. It is therefore advisable to repay the loan installments quickly or not to make use of the installment facility at all. Instead, you can repay the purchase price in one installment at the end of the following month. Again, no interest is charged for this. This means that you receive interest-free financing for your installment purchase despite the negative Schufa entry for a maximum of 51 days.

The advantages and disadvantages of the two cards differ in a few points. Both have no basic fee and a payment term of 51 days. In addition, both offer travel insurance and have similar interest rates of around 20 %. Visually, the gold TF Bank credit card looks more appealing than the Advanzia card. The latter looks a bit cheaper with the www.gebührenfrei.com lettering.

A significant advantage of the Advanzia card is that you can use the Offers debiting by direct debitwhich is not possible with TF Bank. Since you have to transfer each bill individually with the TF Bank credit card, there is quickly the risk to get into arrears and to have to pay interest and overdue fines additionally. The direct debit of Advanzia is therefore a great advantage to be able to buy in installments despite negative Schufa and not get into arrears.

d) Use another payment method!

Another alternative when buying in installments with a negative Schufa record is to use another Payment method than the installment to use. Of course, you can continue to shop at any online store despite a negative Schufa entry.

• The following payment methods are still available despite negative Schufa: Prepayment, direct bank transfer, payment on collection, gift card, voucher and giropay.
• The following payment methods are rejected by online stores with a negative Schufa entry: Installment purchase, direct debit credit card, Amazon Pay, Apple Pay and Google Pay.

Direct debit payments are not rejected by every online store in case of bad Schufa. Some online stores do not check the Schufa for direct debit payments. Therefore, check the available payment methods in your online store.

Buy on installments as a new customer despite SCHUFA

As a new customer, it is particularly difficult to be offered an installment purchase with negative Schufa entries in all online stores. Installment purchase, like purchase on account, is considered an insecure payment method, which is why online stores always perform a Schufa query and usually reject customers with negative Schufa entries.

In the previous chapter we listed 4 ways to buy on installments despite Schufa. Now we relate these 4 possibilities specifically to the situation of new customers:

a) Use mail order companies that offer installment purchases in-house
b) Use mini credits!
c) Take advantage of the framework of a credit card
d) Use another payment method!

To be able to buy as a new customer despite SCHUFA on installments option a) is not applicable. Finally, there is not a single mail order company that offers installment purchases to new customers with a negative SCHUFA entry.

This leaves you with 3 options to buy on installments as a new customer despite Schufa:

a) Use mail order companies that offer installment purchases in-house
b) Use mini credits!
c) Take advantage of the framework of a credit card
d) Use another payment method!

Other options are to process the installment purchase via friends without negative Schufa or to use foreign stores such as aliexpress and its payment service Paylater. These options are described in the article "6 Ways: Buy on installments as a new customer despite Schufa" in more detail.

Here the Use of another means of payment such as payment in advance (method d) is the smartest from a financial point of view. If this is not possible, you should first go to the mini loan (method b) and only in the last step to the Credit card (method c).

Because the installment purchase despite Schufa with Credit card can drive you into the debt trapThis is because customers can finance not only one purchase with the credit card, but can make further purchases over and over again. This, in conjunction with the high interest rates of the credit card, quickly leads to the accumulation of more and more debt.

Installment purchase without credit check

Where can I order on installments without a credit check?

A credit check is carried out for every installment purchase. This is because, by law, a credit check must also be carried out when credit is granted. Therefore, there is no installment purchase without a credit check. Nevertheless, customers with a poor credit rating can also buy in installments. The installment purchase then takes place despite the poor credit rating. Most often, a negative Schufa information is the cause of the bad credit rating. If you are still offered an installment purchase, it is called installment purchase despite (negative) SCHUFA.

But even with the installment purchase despite negative Schufa, a credit check is performed. For this to be positive, other features of the credit check must be met. These include, for example, income, employment relationship and maintenance obligations.

Who offers furniture installment without credit rating?

You can not Furniture in installments buy without at least a rudimentary credit check. A mini loan from Vexcash*, cashper or ferratum* comes the Furniture installment without credit rating closest, as the providers have only low income and creditworthiness requirements. However, mini loans are only suitable for furniture items up to 1,000 euros. For furniture installment payments over 1,000 euros (with a poor credit rating), it is best to turn to this supplier*.

Installment purchase without SCHUFA

There is a foreign bank that gives loans without Schufa. This requires a minimum income of about 1,300 euros and a permanent job. The term of loans without Schufa of this bank is always 40 months. The loan without Schufa is granted without a purpose and is therefore suitable for an installment purchase without Schufa. You can borrow from this supplier* find out more about the credit without Schufa exam.

Installment purchase despite SCHUFA

An installment purchase despite SCHUFA can be offered via special credit providers. For installment purchases despite Schufa up to 1,000 euros, the mini loans from Vexcash*, cashper and ferratum*. Larger loan amounts are possible with this supplier* possible.

Installment purchase despite SCHUFA and Hartz 4

Mini-loans have low income requirements and do not require permanent work. Therefore, mini-loans from these providers are also available to Hartz 4 recipients. The Hartz 4 standard rate is usually sufficient for the providers to approve the loan.

Another possibility to get an approval for an installment purchase despite SCHUFA and Hartz 4 is the loan from the Jobcenter. The loan from the job center is without interest and can be requested at short notice due to special circumstances. For this you must prove that you can neither pay nor defer the costs yourself. If this is fulfilled, the Jobcenter an interest-free loan grant for this unavoidable need.

Where to get a loan with bad SCHUFA?

It is recommended to start with Smava* and then at bon credit* to apply for a loan if you want to get a loan with bad SCHUFA. In doing so, the providers have the best success rates, in the mediation of a Credit despite negative credit bureau. In addition, both providers require no upfront costs and offer a loan despite negative Schufa at good interest rates.

Finally, both providers have provided more than half of all individuals who have Konto-Kredit-Vergleich.de have requested a credit offer at a fair interest and without additional costs submitted. For this purpose, I have conducted a test and published the results in the article "Where can you really get a loan despite negative Schufa?“ explained.

Credit recommendation with negative Schufa: Very high chance of getting a loan despite negative Schufa ✓ Credit despite negative Schufa ✓ Fast commitment and payment in 48 hours ✓ Without upfront costs, without cash on delivery, without on-site visits and without insolvency "advice". 4.9 stars at eKomi from over 13,314 reviews To the provider: Bon-kredit.de

Can you use a Buy car in installmentsdespite negative SCHUFA?

If you ask yourself "Where can I buy a car with negative Schufa" are the car dealerships your dream car, Auto Scheldt, Auto Center Rheydt, H+P Car Rental, Auto Center Hessen, Honda Hettstedt and Autohaus Süd (Austria) to name. At these car dealerships you can buy a car on installments despite negative Schufa.

Older vehicles from the dealerships' own inventory are often offered for sale. Legally, all of the providers are Installment plan, which is why the car can be repossessed if there is a delay in the installment payments. Often, therefore, a Car loan without Schufa the better alternative to car installment purchase from the dealership directly.

Which online stores allow you to pay in installments?

Here you can find a selection of popular online stores where you can buy on installments. For the installment purchase you need a good credit rating without negative Schufa entries.

Store	conditions	Installment purchase from	Installment purchase without Klarna?
Alternate	Interest charges: 9.99 % p.a. eff. Duration: 3,6,12 or 24 monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible	Provider: Paypal	Installment purchase without Klarna? Yes, the settlement takes place via Paypal
Cyberport	Interest charges: 0 % up to 24 months; 8.49 % p.a. eff. up to 60 months Duration: 6 - 60 monthly installments Order value: min. 99 € Payment pause: For a fee of 40 €, installment dates can be postponed.	Provider: Santander	Installment purchase without Klarna? Yes, the settlement takes place via Santander
Amazon	Interest charges: 9.03 % p.a. eff. Duration: 3 - 30 monthly installments Order value: min. 100 € - max. 3.000 € Payment pause: Financing without interest can be taken for 3 months	Provider: Barclays	Installment purchase without Klarna? Yes the settlement takes place via Barclays
Vexcash + Amazon	Interest charges: 14.82 %, p.a. eff. Duration: 1 - 3 monthly installments Order value: min. 100 € - max. 3.000 € Payment pause: not possible	Provider financing: Vexcash Supplier device: Amazon	Installment purchase without Klarna? Yes the settlement takes place via Vexcash and therefore without Klarna.
eBay	Interest charges: 12,9 % Duration: 24 monthly installments Order value: max. 5.000 € Payment pause: not possible ⚠️Überweisung of the installments notwendig⚠️ no direct debit	Provider: Klarna	Installment purchase without Klarna? no
Media Market	Interest charges: 8.49 % p.a. eff. 0% financing possible up to 10 months term Duration: 6 to 44 months monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible	Provider: Targobank Santander ConsorsFinanz	Installment purchase without Klarna? Yes, the settlement takes place via the banks mentioned
Saturn	Interest charges: 8.49 % p.a. eff. 0% financing possible up to 10 months term Duration: 6 to 44 months monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible	Provider: Targobank Santander ConsorsFinanz	Installment purchase without Klarna? Yes, the settlement takes place via the banks mentioned
Otto	Interest charges: 12.71 % - 15.70 % p.a. eff. Duration: 3 -48 monthly installments Order value: min. 50 € to max. 2.500 € Payment pauseA payment break of 100 days is possible against surcharge. You then pay the first installment only 100 days after receipt of the goods.	Provider: Otto Payments	Installment purchase without Klarna? YesThe settlement takes place via the subsidiary Otto Payments.
as good as new	Interest charges: 11,95 % -14,99 % p.a. eff. + 0,45 €/month (installment fee) 0 % Interest at 6 months financing period Duration: 3 - 36 monthly installments Order value: max. 5.000 € Payment pause: not possible ⚠️Überweisung of the installments notwendig⚠️ no direct debit	Provider: Klarna	Installment purchase without Klarna? no
Expert Technomarkt	Interest charges: 7.24 % p.a. eff. 0% financing available with 10 to 18 months term Duration: 10 - 72 monthly installments Order value: min. 120 € to max. 10.000 € Payment pause: not possible	Provider: ConsorsFinanz	Installment purchase without Klarna? Yes, the settlement takes place via ConsorsFinanz
Baur shipping	Interest charges: 15,79 % p.a. eff. + 0,67 % rate surcharge Duration: 3 - 48 monthly installments Order value: min. 50 € to max. 2.500 € Payment pause: 100 days payment break possible (extra charge)	Supplier: Baur Versand	Installment purchase without Klarna? Yes, the store handles the installment payment itself
Lidl	Interest charges: 6.99 % p.a. eff. Duration: 10 - 72 monthly installments Order value: min. 120 € to max. 5.000 € Payment pause: not possible	Provider: ConsorsFinanz (Master Card)	Installment purchase without Klarna? Yes, the settlement takes place via ConsorsFinanz
Kaufland	Interest charges: 11,95 % -14,99 % p.a. eff. + 0,45 €/month (installment fee) Duration: 3 - 36 monthly installments Order value: max. 5.000 € Payment pause: not possible ⚠️Überweisung of the installments notwendig⚠️ no direct debit	Provider: Klarna	Installment purchase without Klarna? no
source	Interest charges: 9.99 % p.a. eff. Duration: 3,6,12 or 24 monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible	Provider: Paypal	Installment purchase without Klarna? Yes, the settlement takes place via Paypal
SMDV	Interest charges: 9.99 % p.a. eff. Duration: 3,6,12 or 24 monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible	Provider: Paypal	Installment purchase without Klarna? Yes, the settlement takes place via Paypal
eJoker	Interest charges: 9.99 % p.a. eff. Duration: 3,6,12 or 24 monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible	Provider: Paypal	Installment purchase without Klarna? Yes, the settlement takes place via Paypal
Computeruniverse	Interest charges: 9,9% p.a. eff. 0% financing possible with 6 or 12 months term Duration: 6- 72 monthly installments Order value: min. 99 € to max. 15.000 € Payment pause: not possible	Provider: ConsorsFinanz	Installment purchase without Klarna? Yes, the settlement takes place via ConsorsFinanz
Voelkner	Interest charges: 11,95 % -14,99 % p.a. eff. + 0,45 €/month (installment fee) Duration: 3 - 36 monthly installments Order value: max. 5.000 € Payment pause: not possible ⚠️Überweisung of the installments notwendig⚠️ no direct debit	Provider: Klarna	Installment purchase without Klarna? no
Proshop	Interest charges: 11,95 % -14,99 % p.a. eff. + 0,45 €/month (installment fee) Duration: 3 - 36 monthly installments Order value: max. 5.000 € Payment pause: not possible ⚠️Überweisung of the installments notwendig⚠️ no direct debit	Provider: Klarna	Installment purchase without Klarna? no
Digitalo	Interest charges: 9.99 % p.a. eff. Duration: 3,6,12 or 24 monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible	Provider: Paypal	Installment purchase without Klarna? Yes, the settlement takes place via Paypal

Conclusion: Where can I buy in installments despite negative Schufa?

When it comes to considering an installment purchase despite a negative Schufa score, there are several options. While some Mail order companies like Otto or Baur occasionally make exceptions and offer installment purchases despite Schufa via in-house financing, the opportunities with a negative Schufa entry are generally limited.

Probably the financially smartest option is to switch to alternative payment methods such as Prepayment if available. If this is not an option, a mini loan provide a temporary solution before the use of a Credit card despite Schufa from Advanzia* or TF* is taken into consideration. However, caution is advised as installment purchases with credit cards can quickly lead to debt as credit cards offer the opportunity to make repeated purchases which, combined with high credit card interest rates, can lead to a spiral of debt.

There is another possibility, Friends or acquaintances without a negative Schufa entry to ask for support in order to place an order. Alternatively, you can also try your luck with foreign mail order companies such as AliExpress, as they do not carry out Schufa queries.

*Affiliate link: If you use one of these links to go from my website to a provider, I may receive a commission. There are no additional costs for you. For using these links a ❤️ THANK YOU! ❤️

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

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