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

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

For this analysis we have analyzed banks and credit intermediaries, which are described in the articles 'Which bank gives credit despite negative SCHUFA?'and 'Which bank grants credit with bad credit?' will be looked at in more detail.

Our analysis: Where can you really get a loan despite negative Schufa?

Our exclusive analysis shows you where you can really get a loan even with a bad credit rating and negative Schufa. For this purpose, we have compiled data from the providers and broken down which provider accepts the loan request and which actually pays out the loan. Sufficient data for this analysis was available for Smava, Bon-Kredit, Maxda, Creditolo and Credimaxx. All of these providers are credit professionals who advertise as such, Loans even in difficult cases to be awarded. We have verified this.

If you want to know where to really get a loan despite negative Schufa, you should pay attention to the fact that the provider is preferably accepts many credit requests (high yellow bar in the diagram). Whether it then actually comes to the payout depends on whether the offer appeals to you (black bar in the diagram).

From the diagram it can be seen that bon credit* and Smava* are the best providers when it comes to this, really get a loan despite negative Schufa to get. Both have acceptance rates of approx. 50 %. This means that something like half of all people really get an offer for a loan.

Where can you really get a loan despite negative Schufa?
Graphic: Where can you really get a loan despite negative Schufa?
Credit request acceptedLoan was actually paid out
Smava*52%9%
bon credit*41%9%
Maxda*21%No data
Creditolo*13%12%
credimaxx*16%1%
Table: Where to really get a loan despite negative Schufa?

Conclusion: Bon-Kredit and Smava have a proven track record of working with banks that highest acceptance rates can show. Therefore, if you make a request there, the chances are good that you really get a loan despite negative Schufa.

These are not the providers that are available for debt restructuring on an existing Credit despite debts n are particularly well suited. If you want to take out a loan with existing liabilities, you will find in the article "Which bank gives credit despite debts?" the best providers for this.

In another post I checked whether Bon credit a rip-off is and came to a mixed conclusion. Because not everything Bon-Kredit does is really 100'%ig serious. But of course Smava also has a few negative points such as intrusive advertising. In the article "Hands off Smava?" I have taken the provider apart.

Making requests in parallel increases the chances of really getting a loan in the end

To further increase your chances of getting credit, you can apply to bon credit* and Smava* make a request in parallel. This has no effect on your Schufa score, as it is only a Condition request acts.

With Bon-Kredit and Smava, your Request also free of charge. Before disbursement of the loan without Schufa will be no upfront costs due. In addition, your application will be processed by Bon-Kredit within 24 hours, so you will receive a quick response.

Bon-Kredit has already specialized for more than 40 years in Loans in difficult cases to people with poor credit ratings. Smava, on the other hand, can arrange a loan at favorable conditions for people with a moderate credit rating. With the credit neutral inquiry, the conditions of various providers are queried without affecting your Schufa score. For smaller loans under 1,000 euros, the providers Cashper, Vexcash and Ferratum have made a name for themselves. The Berlin-based provider Vexcash grants loans ofi Loans in under 1 hour despite negative Schufa entries. Ferratum, on the other hand, will give you a loan even if you can't or don't want to provide proof of income.

Analysis provider: "Where can you really get a loan despite negative Schufa?

#1 Smava

  • Credit request accepted: 52 %
  • Credit disbursed: 9 %**
  • Where can you really get a loan despite negative Schufa: very good chances
  • **Many borrowers do not take the loan despite existing credit offer, which is why the payment rate is often too low.
  • Credit Generalist, who lends money up to 300,000 euros
  • In addition, there are flexible Runin from 12 to 120 months!
  • Furthermore, our data shows: Here you really get a loan despite negative Schufa!
  • This is a Credit without upfront costs on favorable terms
  • Furthermore, a rescheduling of previous loans to a more favorable loan possible
  • Thereby the minimum income: 601 €
  • The deal "Data against good conditions"However, you should be aware of this with all credit brokers. If this is not the case, you can check here, whether you might be better off using the Hands off Smava should leave.

#2 Bon Credit

  • Credit request accepted: 41 %
  • Credit disbursed: 9 %**
  • Where can you really get a loan despite negative Schufa: very good chances
  • **Many borrowers do not take the loan despite existing credit offer, which is why the payment rate is often too low.
  • Best Provider for the credit despite Schufa
  • 7,500 euros for Swiss credit without Schufa, up to 300,000 euros for regular bank loan
  • Furthermore, our data shows: Here you really get a loan despite negative Schufa!
  • In addition, a Immediate approval possible within 24 hours
  • In the process, Bon-Kredit has over 40 years experience in credit brokerage
  • Golden seal due to excellent customer reviews eKomi
  • In addition, there are very flexible terms of 12 to 120 months!
  • The loan is granted even with a poor credit rating and a negative Schufa entry.
  • Likewise there are credits for freelancers and the self-employed; No permanent position necessary
  • In addition, the Credit without upfront costs paid out!
  • Absolute discretion: Employer and house bank do not know anything about the loan
  • minimum income: 1.600 €

#3 Vexcash

  • Where can you really get a loan despite negative Schufa: very good chances
  • 3,000 euros Credit despite negative credit bureau
  • Immediate approval within a few minutes
  • Runtimes from 1 to 6 months!
  • even with bad creditworthiness and a negative Schufa entry
  • credits for freelancers and the self-employed; no permanent position necessary
  • Credit without upfront costs!
  • Absolute discretion: Employer and house bank do not know anything about the loan
  • minimum income: 500 €

#4 Auxiliary

  • Where can you really get a loan despite negative Schufa: good opportunities
  • credit from individuals
  • Personal loan up to 50,000 euros
  • Credit received from private individuals despite a negative Schufa score and poor creditworthiness
  • Fixed installments and fixed interest over the entire term from 12 to 84 months!
  • Absolutely discreet: Employers and house bank learn nothing!
  • Credit financing is provided by private investors
  • Credit without upfront costs!
  • minimum income: 1.000 €

#5 Sigma Kreditbank

  • Where can you really get a loan despite negative Schufa: very good chances
  • Loan without Schufa from Liechtenstein
  • 3 credits available:
    • 3.500 €
    • 5.000 €
    • 7.500 €
  • Duration: 40 months
  • Fixed employment contract necessary
    • At least 1 year for the 3.500 € credit
    • At least 3 years for the other two loans
  • Side loan for car, apartment, move, hobby & personal needs
  • Credit without upfront costs!
  • Absolute discretion: Employer and house bank do not know anything about the loan
  • Debt rescheduling of previous loans to a cheaper loan possible
  • Minimum income:
    • 1.600 € for the 3.500 € credit
    • 1.650 € for the 5.000 € credit
    • 1.750 € for the 7.500 € credit

#6 Creditolo

  • Credit request accepted: 13 %
  • Credit disbursed: 12 %
  • Where can you really get a loan despite negative Schufa: very good chances
  • **Many borrowers do not take the loan despite existing credit offer, which is why the payment rate is often too low.
  • 7,500 euros for Swiss credit without Schufa, up to 100,000 euros for regular bank loan
  • credit in difficult cases possible, credit-free payment, so without Schufa information
  • Term from 12 to 120 months!
  • Side loan for car, apartment, move, hobby & personal needs
  • Credit without upfront costs!
  • Absolute discretion: Employer and house bank do not know anything about the loan
  • Debt rescheduling of previous loans to a cheaper loan possible
  • minimum income: 1.600 €

#7 Ferratum

  • Loan without proof of income from Malta
  • The provider makes a Schufa request, but also grants a loan if the credit rating is moderate
  • Installments and mini loans
  • Credit without upfront costs!
  • minimum income: 1.100 €

#8 Maxda

  • Credit request accepted: 21 %
  • Credit disbursed: no data
  • Where can you really get a loan despite negative Schufa: very good chances
  • **Many borrowers do not take the loan despite existing credit offer, which is why the payment rate is often too low.
  • 7,500 euros for a Swiss loan without Schufa, up to 120,000 euros for a regular bank loan
  • Term from 12 to 120 months!
  • Credit without upfront costs!
  • Absolute discretion: Employer and house bank do not know anything about the loan
  • Debt rescheduling of previous loans to a cheaper loan possible
  • Loans can sometimes only be concluded with expensive credit insurance
  • minimum income: 1.600 €

#9 Credimaxx

  • Credit request accepted: 16 %
  • Credit disbursed: 1 %
  • 7,500 euros for a Swiss loan without Schufa, up to 100,000 euros for a regular bank loan
  • Loans without Schufa from Switzerland and Liechtenstein
  • Terms from 48 to 120 months!
    • Switch to voucher credit for terms of less than 48 months!
  • Side loan for car, apartment, move, hobby & personal needs
  • Credit without upfront costs!
  • Absolute discretion: Employer and house bank do not know anything about the loan
  • Debt rescheduling of previous loans to a cheaper loan possible
  • minimum income: 1.600 €

#10 cashper

  • The provider makes a Schufa request, but also grants a loan if the credit rating is moderate
  • Furthermore, there are always promotions on interest-free loans
  • Credit without upfront costs!
  • minimum income: 700 €

#11 Rabobank

  • Rabobank awards in Germany no credit without Schufa to private individuals.
  • Because Rabobank is a Dutch cooperative bank
  • In the process, the bank is mistakenly identified with Loans without Schufa associated.
  • In fact, however, the bank has completely withdrawn from German retail banking since Jan. 1, 2022.
Rabobank loan without Schufa: No, there is not.  Rabobank has completely withdrawn from the German retail business in 2022. On the website you can only find information for German business customers.
Rabobank credit without Schufa: No, there isn't. Rabobank has completely withdrawn from German retail banking in 2022. On the website you can only find information for German business customers.

Conclusion: Where can you really get a loan despite negative Schufa?

Our data, which we obtain directly from providers, shows that bon credit* and Smava* are the best providers when it comes to this, really get a loan despite negative Schufa to get. Because both have acceptance rates of approx. 50 %. So this means that something half of all people really get an offer for a loan. If you are still wondering "Where can you really get a loan despite negative Schufa?" you'd better make an inquiry with both suppliers make an inquiry. By making two inquiries, you improve your chances of getting credit a little more. Your Schufa score will not be harmed by requesting credit for comparison purposes.

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