Which bank gives credit despite negative SCHUFA? – 10 reputable providers

Gehörst du auch zu der Personengruppe, die von der Hausbank oder einer Direktbank aufgrund eines Schufa Eintrags abgelehnt wurde? Wir wissen, dass dies frustrierend ist und helfen dir in diesem Artikel bei deiner Suche weiter, indem wir eruiren, welche Bank einen Kredit trotz negativer SCHUFA gibt. Die empfohlenen Anbieter arbeiten dabei ohne Vorkosten oder sonnstige Bearbeitungsgebühren.

Wenn dir die Hausbank aufgrund negativer Schufa keinen Kredit gibt, können diese 10 seriösen Anbieter oftmals dennoch einen einen Credit despite negative credit bureau zu einem low interest rate vergeben. Dabei werden keine Vorkosten oder sonnstige Gebühren fällig. Um ein bestmögliches Angebot zu erhalten solltest du du auf express payout or one residual debt insurance verzichten.

What you can learn here

Which bank gives credit despite negative SCHUFA? - An overview

 bank/credit broker
credit typeseriousnessBekommt man wirklich einen Kredit trotz negativer Schufa?To the provider
#1: Receipt credit

Top recommendation: Schufa-free loans




4,9/5 (eKomi)


Bon credit logo


Interest charges: approx. 8 % at €10,000 & 72 months
Loan Amount: 100 to 300,000€
Minimum income: €1,300 net per month
Duration: 12 to 120 months

Loan without credit bureau possible


Credit despite negative credit bureau


Credit with bad credit


Mini loan despite bad creditworthiness


Seriousness: 5/5 points
💰 without pre-costs: ✔️
📞 Availability: free phone number, Whatsapp, Facebook, email ✔️
👍 Keine Kredit und Insolvenzberatung aus einer Hand ✔️
👍 No sale of expensive additional products:✔️
💌 No sending the documents with expensive cash on delivery letters ✔️

Gute Chance wirklich einen trotz negativer Schufa zu bekommen

40 - 60 % aller Kunden bestehen die Vorprüfung

To the provider:
Bon-kredit.de
#2: Smava

Top recommendation: Loans on favorable terms despite negative credit bureau



4,8/5 (eKomi)

Smava: Loans with poor credit rating and despite negative Schufa


Interest charges: Credit dependent
Loan Amount: €500 to €120,000
Minimum income: €601 net per month
Duration: 12 to 120 months

Credit despite negative credit bureau


Credit with bad credit


Mini loan despite bad creditworthiness



The provider makes a Schufa request,
but also forgives negative entries
and bad score a loan
Seriousness: 5/5 points
💰 without pre-costs: ✔️
📞 Availability: free phone number, Whatsapp, Facebook, email ✔️
👍 No one-stop credit and bankruptcy advice ✔️
👍 No sale of expensive additional products:✔️
💌 No sending the documents with expensive cash on delivery letters ✔️

Gute Chance wirklich einen trotz negativer Schufa zu bekommen

40 - 60 % aller Kunden bestehen die Vorprüfung

To the provider:
Smava.de
#3: Vexcash

⚡Fast Payout⚡




5/5 (eKomi)

Vexcash: Loans despite negative Schufa


Interest charges:approx. 14.8 % pa rms.
Loan Amount: €100 to €3,000
Minimum income: €700 net per month
Duration: 15 - 90 days

Credit despite negative credit bureau


Credit with bad credit


Mini loan despite bad creditworthiness



The provider makes a Schufa request,
but also forgives negative entries
and bad score a loan
Seriousness: 4/5 points
💰 without pre-costs: ✔️
📞 Availability: free phone number, Whatsapp, Facebook, email ✔️
👍 Keine Kredit und Insolvenzberatung aus einer Hand ✔️
👍 No sale of expensive additional products ❌ - Erklärung: Hohe Kosten für schnelle Auszahlung
💌 No sending the documents with expensive cash on delivery letters ✔️

Gute Chance wirklich einen trotz negativer Schufa zu bekommen

40 - 60 % aller Kunden bestehen die Vorprüfung

To the provider:
vexcash.de
#4: Auxmoney (Privatkredit)


5/5 (eKomi)

Auxmoney - loans without Schufa from private individuals


Interest charges:approx. 5.24 % pa rms. at €13,300 & 84 months
Loan Amount: €1,000 to €50,000
Minimum income: €1,000 net per month
Duration: 12 to 84 months

Credit despite negative credit bureau


Credit with bad credit



The provider makes a Schufa request,
but also forgives negative entries
and bad score a loan
Seriousness: 5/5 points
💰 without pre-costs: ✔️
📞 Availability: free phone number, Whatsapp, Facebook, email ✔️
👍 Keine Kredit und Insolvenzberatung aus einer Hand✔️
👍 No sale of expensive additional products:✔️
💌 No sending the documents with expensive cash on delivery letters ✔️
To the provider:
Auxmoney.de
#5: Sigma Kreditbank (aus Liechtenstein)


4,8/5 (eKomi/Maxda)

Sigma Kreditbank AG: Loans from Liechtenstein without Schufa


Interest charges:11,11 %
Loan Amount:
3.500 €
5.000 €
7.500 €
Minimum income: €1,260 net per month
Duration: 40 months

Loan without credit bureau possible


Credit despite negative credit bureau


Credit with bad credit


Seriousness: 4/5 points
💰 without pre-costs: ✔️
📞 Availability: free phone number, Whatsapp, Facebook, email ✔️
👍 Keine Kredit und Insolvenzberatung aus einer Hand ✔️
👍 No sale of expensive additional products ❌ - Explanation: High interest rates
💌 No sending the documents with expensive cash on delivery letters ✔️
To the provider:
Sigmacredit Bank
via Maxda
#6: Creditolo



4,5/5 (trust pilot)

Creditolo: Loans from Switzerland and Liechtenstein without Schufa


Interest charges:11,11 %
Loan Amount:

3.500 €
5.000 €
7.500 €
Minimum income: €1,260 net per month
Duration: 40 months

Loan without credit bureau possible


Credit despite negative credit bureau


Credit with bad credit


Seriousness: 4/5 points
💰 without pre-costs: ✔️
📞 Availability: free phone number, Whatsapp, Facebook, email ✔️
👍 Keine Kredit und Insolvenzberatung aus einer Hand ✔️
👍 No sale of expensive additional products ❌ - Explanation: High interest rates
💌 No sending the documents with expensive cash on delivery letters ✔️

Mittlere Chance wirklich einen trotz negativer Schufa zu bekommen

20 - 40 % aller Kunden bestehen die Vorprüfung

To the provider:
Creditolo.de
#7: Ferratum (aus Malta)


4,7/5 (eKomi)

Ferratum: Loans without Schufa from Malta


Interest charges:10,36 %
+ installment option
Loan Amount: €50 - €1,000 for new customers
€50 - €3,000 for existing customers
Minimum income: €1,100 net per month
Duration: 30 days - 180 days

Credit despite negative credit bureau


Credit with bad credit


Mini loan despite bad creditworthiness



The provider makes a Schufa request,
but also forgives negative entries
and bad score a loan
Seriousness: 5/5 points
💰 without pre-costs: ✔️
📞 Availability: free phone number, Whatsapp, Facebook, email ✔️
👍 No one-stop credit and bankruptcy advice ✔️
👍 No sale of expensive additional products:✔️
💌 No sending the documents with expensive cash on delivery letters ✔️
To the provider:
Ferratum.de
#8: Maxda


4,8/5 (eKomi)

Maxda: Loans without Schufa from Switzerland and Liechtenstein and loans with poor credit rating from Germany


Interest charges:approx. 8.9 % pa rms. at €10,000 & 36 months
Loan Amount: €1,500 to €120,000
Minimum income: €1,260 net per month
Duration: 12 to 60 months

Loan without credit bureau possible


Credit despite negative credit bureau


Credit with bad credit


Seriousness: 4/5 points
💰 without pre-costs: ✔️
📞 Availability: free phone number, Whatsapp, Facebook, email ✔️
👍 Keine Kredit und Insolvenzberatung aus einer Hand ✔️
👍 No sale of expensive additional products ❌ - Explanation: Maxda sometimes requires residual debt insurance to be taken out
💌 No sending the documents with expensive cash on delivery letters ✔️

Mittlere Chance wirklich einen trotz negativer Schufa zu bekommen

20 - 40 % aller Kunden bestehen die Vorprüfung

To the provider:
Maxda.de
#9: Credimaxx

recommendation




4,9/5 (eKomi)

Credimaxx: Loans without Schufa from Liechtenstein and Switzerland


Interest charges:approx. 7.9 % pa rms. at €4,000 & 72 months
Loan Amount: €500 to €300,000
Minimum income: €1,100 net per month
Duration: 48 to 120 months

Loan without credit bureau possible


Credit despite negative credit bureau


Credit with bad credit


Seriousness: 5/5 points
💰 without pre-costs: ✔️
📞 Availability: free phone number, Whatsapp, Facebook, email ✔️
👍 No one-stop credit and bankruptcy advice ✔️
👍 No sale of expensive additional products:✔️
💌 No sending the documents with expensive cash on delivery letters ✔️

Geringe Chance wirklich einen trotz negativer Schufa zu bekommen

Weniger als 10 % aller Kunden bestehen die Vorprüfung

To the provider:
Credimaxx.de
#10: Cashper


4,7/5 (eKomi)

Cashper: Loans despite negative Schufa


Interest charges:0 % pa rms.
additional 2-rate option or express option
Loan Amount: €100 to €3,000
Minimum income: €500 net per month
Duration: 30 or 60 days

Credit despite negative credit bureau


Credit with bad credit


Mini loan despite bad creditworthiness



The provider makes a Schufa request,
but also forgives negative entries
and bad score a loan
Seriousness: 4/5 points
💰 without pre-costs: ✔️
📞 Availability: free phone number, Whatsapp, Facebook, email ✔️
👍 Keine Kredit und Insolvenzberatung aus einer Hand✔️
👍 No sale of expensive additional products ❌ - Erklärung: Hohe Kosten für schnelle Auszahlung
💌 No sending the documents with expensive cash on delivery letters ✔️

Gute Chance wirklich einen trotz negativer Schufa zu bekommen

40 - 60 % aller Kunden bestehen die Vorprüfung

To the provider:
cashper.de

#11: Rabobank

Die Rabobank ist eine niederländische Genossenschaftsbank, die mit Krediten ohne Schufa in Verbindung gebracht wird. Tatsächlich hat sich die Bank aber seit dem 01.01.2022 vollständig aus dem deutschen Privatkundengeschäft zurückgezogen. Die Rabobank vergibt also in Deutschland überhaupt keine Kredite an Privatpersonen mehr.

Bei anderen Anbietern die hier nicht aufgeführt sind und mit Loans without Schufa werben ist oftmals Vorsicht angebracht. Denn bei Krediten die auch bei negativer Schufa vergeben werden sind viele Schwarze Schafe unter den Anbietern. Wenn du keinen der hier empfohlenen Anbieter nehmen möchtest, sondern ein Alternativangbot hast, solltest du anhand dieser Warnings prüfen, ob der Kreditanbieter seriös ist. So ist sichergestellt, dass du am Ende kein Opfer eines Betrugsfalls wirst oder einfach nur zuviel Gebühren bezahlst. Das Thema Seriösität ist im Beitrag Kredit ohne Schufa: Seriös? noch etwas tiefgründiger behandelt. Du solltest diesen Artikel unbedingt berücksichtigen, wenn du einen Kredit ohne Schufa außerhalb unserer Anbieterliste abschließen möchtest.

Dennoch ist auch in schweierigen Kreditfällen oft mehr möglich, als es einen die Hausbank glauben lassen mag. Und mit dem richtigen Partner erhältst du auch trotz Schufa Eintrag einen Kredit ohne überzogene Gebühren. In particular, a small loan until 3,000 euros unproblematisch und trotz negativem Schufa-Eintrag vergeben. Bei ferratum* wird der Kredit sogar an Hartz IV Empfänger mit schlechter Bonität veregeben. Für Personen mit festem Einkommen steht bei negativer Schufa auch der Abschluss eines Car loan without Schufa als Möglichkeit im Raum.

The most important thing to find a reputable bankwhich gives you a credit despite negative Schufa

Wenn dir die Hausbank aufgrund negativer Schufa keinen Kredit gibt, können bon credit*, Smava* und weitere Anbieter aus der Liste am Anfang des Artikels oftmals dennoch einen einen Credit despite negative credit bureau vergeben. Beachte dabei, dass ein schlechter Schufa Score, oft mit höheren Zinsen von 5-11% p.a. einhergeht. Wetere wichtigie Informationen, die dir helfen einen serösen Kreditgeber zu finden, wenn es um die Frage „Welche Bank gibt Kredit trotz negativer SCHUFA?“ geht.

  1. Of the Schufa score is used by savings banks and banks as a pre-screening used in the granting of loans.
  2. Only if the Schufa Score sufficient is, the bank's further credit rating follows.
  3. The Bank's credit rating is based on your income, expenses, the amount of the loan, the Use of the money and other factors.
  4. A negative Schufa entry or a negative poor Schufa rating represents a risk for the lender which he is rarely prepared to enter into.
  5. If you due to negative Schufa no credit at your house bank a bank that gives you a loan despite negative Schufa can often still help out.
  6. the Interest charges are with a loan without and despite negative Schufa, however. higher:
    1. So verlangen seriöse Anbieter für einen Kredit trotz negativer Schufa zwischen 5 bis 11 % Zinsen.
    2. In contrast, installment loans at the house bank will have an average interest rate of around 6 % in 2022 (source: Deutsche Bundesbank).
  7. Beware of dubious loans without Schufa: Hidden costs such as upfront fees or residual debt insurance are not necessary even with loans despite negative Schufa and mostly only drive up the costs

How to do itto find a bank that will give you a loan despite negative Schufa

  1. Vermeide unnötige Kosten für Kredite ohne Schufa und frage stattdessen bei spezialisierten Anbieter wie bon credit* an, die auch an Personen mit negativer Schufa Kredite zu akzeptablen Konditionen vermitteln.
  2. Seriöse Geldhäuser verzichten auf Vorkosten oder weitere Gebühren neben dem Zins
  3. Wenn du dir unsicher bist frage nach und erwähne, dass du keine Extras wie express payout or one residual debt insurance möchtest.

If you have a negative Schufa entry, you should get to the bottom of the cause. You can do this via Bonify* free of charge your Credit bureau score query and unauthorized Incorrect entries have deleted. For legitimate negative entries, you should pay old bills and put things in order. Only in this way can you improve your credit rating and then also receive significantly better interest conditions via installment loan.

Did you get a loan rejection from your house bank? This is often the starting point when looking for a bank that grants loans despite negative credit bureau entries. You can get a loan despite numerous negative features. Whether the bank you yours Account or credit card terminated has you one dunning notice have received, or a debt collection procedures running: With a suitable bank, you can get a loan despite these negative features.

At which bank can I get a loan despite negative Schufa entries?

Which bank gives credit despite negative credit bureau

If you need a loan despite negative Schufa entries, the following banks and credit intermediaries come into question: bon credit*,
Smava*, the Sigma credit bank*, Creditolo*, ferratum*, Maxda*, credimaxx*, Auxiliary*, cashper* and Vexcash*.

Dabei ist Bon-Kredit für Kredite trotz negativer Schufa Einträge besonders empfehlenswert. In den meisten Fällen erhältst du bei Bon-Kredit ein besseres Angebot als den teuren Kredit ohne Schufa der Sigma Bank.

Es empfiehlt sich zunächst herauszufinden woher der negativer Schufa Eintrag kommt

Wenn du einen negativen Schufa Eintrag hast, solltest du der Ursache aber auf den Grund gehen. Du kannst hierzu über Bonify* check your Schufa score free of charge and prevent unauthorized Incorrect entries löschen lassen. Zu rechtmäßigen Negativ Einträgen, solltest du alte Rechnungen bezahlen und Ordnung schaffen. Nur so kannst du deine Bonität verbessern und erhältst dann auch deutlich bessere Zinskonditionen über einen installment loan oder den Securities Loan.

Which bank gives more than 1000 € credit despite negative SCHUFA?

The provider Smava offers good conditions despite negative Schufa entries. Smava is suitable if you need a loan of more than 1,000 euros. But Bon-kredit, Maxda and Credimaxx are also suitable for loans despite negative credit bureau. In very difficult cases, you can still get a credit bureau-free loan of up to €7,500 from Sigma Bank.

If you have one Car loan despite negative credit bureau If you want to complete one, it is advisable Choose a bank that uses the KFZ letter as security accepted. Alternatively, see the post Car loan without Schufa also various banks and credit intermediaries such as Receipt credit* who still grant the loan even in difficult cases. There are also some car dealerships that will finance your car despite negative credit bureau. You can find an overview in the article "Which car dealership finances despite negative credit bureau?” . However, we presented in the post Buy a car on installments despite negative credit bureau notice that you are with a loan bon credit* come out cheaper than with financing through the car dealerships directly.

Small loans: Which bank gives less than € 1000 credit despite negative SCHUFA?

On the other hand, if you need 1,000 euros or less, you can contact one of the mini loan providers Vexcash, Ferratum or Cashsper turn. Vexcash can do that Credit despite negative SCHUFA as the only provider in under an hour pay off. However, an express surcharge of currently 39 euros is due for this. Ferratum, on the other hand, offers a mini loan without proof of income. Anyone who can wait a few days and has an income of more than 700 euros is best off with Cashper for a loan despite negative SCHUFA. Because Caspher grants a loan despite negative SCHUFA and requires up to 600 euros no fees – provided you save on additional options.

Wo bekommt man wirklich einen Kredit trotz negativer Schufa?

Die beste Möglichkeit eine seriöse Bank zu finden, wo man wirklich einen Kredit trotz negativer Schufa bekommt besteht darin sich auf Daten zu verlassen. Als Kreditvergleichsportal hat Konto-Kredit-Vergleich.de zahlreiche Daten von Banken und Kreditanbietern negativer Schufa.

Wenn du wissen möchtest wo man wirklich einen Kredit trotz negativer Schufa bekommt, solltest du darauf achten, dass der Anbieter möglichst viele Kreditanfragen annimmt (hoher gelber Balken im Diagramm). Ob es dann tatsächlich zur Auszahlung kommt, hängt nämlich auch davon ab, ob dir das Angebot zusagt (schwarzer Balken im Diagramm).

Aus dem Diagramm lässt sich entnehmen, dass bon credit* and Smava* die besten Anbieter sind, wenn es darum geht wirklich einen Kredit trotz negativer Schufa zu bekommen. Beide haben Annahmequoten von etwa 50 %. Dass bedeutet, das etwas die Hälfte aller Personen wirklich ein Angebot für einen Kredit erhalten.

Wo bekommt man wirklich einen Kredit trotz negativer Schufa? - Annahmequoten von Banken welche Kredite trotz negativer Schufa vergeben im Vergleich
Wo bekommt man wirklich einen Kredit trotz negativer Schufa? – Annahmequoten von Banken welche Kredite trotz negativer Schufa vergeben im Vergleich

Schlussfolgerung: Bon-Kredit und Smava arbeiten nachweislich mit Banken zusammen, die höchste Annahmequoten vorweisen können. Wenn du dort eine Anfrage stelltst, stehen die Chancen daher gut, dass du wirklich einen Kredit trotz negativer Schufa erhältst.

Anfragen parallel stellen erhöht die Chancen wirklich einen Kredit am Ende zu bekommen

Um die Chancen auf Kredit weiter zu erhöhen, kannst du bei bon credit* and Smava* eine Anfrage parallel stellen. Dies hat keine Auswirkungen auf deinen Schufa Score, da es sich lediglich um einen Konditionenanfrage handelt.

Bei Bon-Kredit und Smava ist deine Anfrage zudem kostenlos. Vor Auszahlung des Kredits ohne Schufa werden keine Vorkosten fällig. Zudem wird dein Antrag bei Bon-Kredit innerhalb von 24 Stunden bearbeitet, sodass du schnell Rückmeldung erhältst.

Bon-Kredit hat sich bereits seit mehr als 40 Jahren auf Kredite in schwierigen Fällen an Personen mit schlechter Bonität spezialisiert. Smava hingegen kann bei mäßiger Bonität einen Kredit zu günstigen Konditionen vermitteln. Bei der schufaneutralen Anfrage werden die Konditionen diverser Anbieter abgefragt, ohne dass dein Schufa Score beeinflusst wird. Für kleinere Kredit unter 1.000 Euro haben sich die Anbieter Cashper, Vexcash und Ferratum einen Namen gemacht. Der Berliner Anbieter Vexcash vergibt dabei Kredite in unter 1 Stunde trotz negativen Schufa Einträgen. Ferratum hingegen vergibt selbst dann einen Kredit, wenn du keinen Einkommensnachweis vorlegen kannst oder möchtest.

Seriöse Anbieter welche den Kredit trotz negativer SCHUFA über spezielle Banken vergeben

#1 Which bank gives credit despite negative SCHUFA? bon credit

  • Best Provider für den Kredit trotz Schufa
  • 7,500 euros for a Swiss loan without Schufa, up to 300,000 euros for a regular bank loan
  • Unsere Daten zeigen: Hier bekommt man wirklich einen Kredit trotz negativer Schufa!
  • Immediate approval within 24 hours
  • about 40 years experience in credit brokerage
  • Golden seal due to excellent customer reviews eKomi
  • Runtimes from 12 to 120 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: 1.300 €

#2 Which bank gives credit despite negative SCHUFA? Smava

  • Kredit Generalist der bis 300.000 Euro Geld leiht
  • Term from 12 to 120 months!
  • Unsere Daten zeigen: Hier bekommt man wirklich einen Kredit trotz negativer Schufa!
  • Credit without upfront costs zu günstigen Konditionen
  • Debt rescheduling of previous loans to a cheaper loan possible
  • minimum income: 601 €

#3 Which bank gives credit despite negative SCHUFA? Vexcash

  • 3,000 euros Credit despite negative credit bureau
  • Immediate approval innerhalb weniger Minuten
  • Runtimes from 1 bis 6 Monaten!
  • 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 Which bank gives credit despite negative SCHUFA? – Auxmoney

  • 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

  • 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 loan
    • 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:
    • €1,180 for the €3,500 loan
    • €1,600 for the €5,000 loan
    • €1,800 for the €7,500 loan

#6 Creditolo

  • 7,500 euros for a Swiss loan without Schufa, up to 100,000 euros for a regular bank loan
  • Credit possible in difficult cases, Credit bureau-free payment, i.e. without Credit bureau 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: 1.260 €

#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

  • 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: 1.260 €

#9 Credimaxx

  • 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: 1.100 €

#10 cashper

  • The provider makes a Schufa request, but also grants a loan if the credit rating is moderate
  • Immer wieder Aktionen zu zinsfreien Darlehen
  • Credit without upfront costs!
  • minimum income: 700 €

#11 Rabobank

  • Die Rabobank vergibt in Deutschland keinen Kredit ohne Schufa an Privatpersonen.
  • Die Rabobank ist eine niederländische Genossenschaftsbank
  • Die Bank wird irrtümlicherweise mit Krediten ohne Schufa in Verbindung gebracht.
  • Tatsächlich hat sich die Bank aber seit dem 01.01.2022 vollständig aus dem deutschen Privatkundengeschäft zurückgezogen.
Rabobank Kredit ohne Schufa: Nein, das gibt es nicht.  Die Rabobank hat sich aus dem deutschen Privatkundengeschäft 2022 vollständig zurückgezogen. Auf der Webseite findet man nur noch Informationen für deutsche Geschäftskunden.
Rabobank Kredit ohne Schufa: Nein, das gibt es nicht. Die Rabobank hat sich aus dem deutschen Privatkundengeschäft 2022 vollständig zurückgezogen. Auf der Webseite findet man nur noch Informationen für deutsche Geschäftskunden.
info

What is a negative entry at SCHUFA?

Before I get to the question "Which bank gives credit despite negative credit bureau?" I would like to explain what the Schufa is and how negative entries can occur. If you already know these backgrounds, read here further, at which bank it works with the loan despite negative credit bureau.

The SCHUFA is actually called Protection association for general credit protection and is one credit reporting. A credit reporting agency is a company that payment history the population analyzed and sells this information to banks, for example. However, SCHUFA is not a state organization, but a private company. Most citizens have a file with the SCHUFA. All contracts you have concluded end up in your SCHUFA file.

Payment defaults end up in the SCHUFA file. An algorithm uses these entries to calculate the probability of non-payment. If you not paying bills regularly have, the calculated SCHUFA score deteriorates and one speaks of nnegative entries in the SCHUFA file. But even a forgotten mobile phone bill can already lead to a negative feature, which means that banks automatically reject the loan. Even in spite of otherwise good creditworthiness and payment practices.

German banks are obliged to determine the creditworthiness before granting a loan. Banks usually use the SCHUFA score as an essential element for this. Therefore, most contracts contain a passage that allows a company to share data with the Schufa. In the case of negative entries, most banks do not bother to get to the bottom of the cause, but simply reject the loan.

Summary: What is a negative entry at SCHUFA?

  1. The Schufa is a private company that analyzes the payment behavior of the Germans and this data to the banks as Credit bureau score provides.
  2. For example, if you haven't paid bills, your score will go down. Then you have one negative Schufa entry and thus a bad credit rating.
  3. If banks see the risk of the negative Schufa entry as too great, they reject it Approval of the loan usually without individual examination.
  4. Lending with a negative credit bureau entry can be made more difficult by other features. These include: unemployment and self-employment.

Which bank gives credit despite negative SCHUFA? - That's how it works

You will probably have little chance of getting a loan from a German bank with a negative SCHUFA. Even with the Targobank, a loan without SCHUFA is not possible, even if the opposite is claimed on the Internet. Nevertheless, I would like to introduce you to an alternative: About ours financing partner* there is the possibility of one Credit despite negative SCHUFA to obtain. This means that even people with a moderate credit rating or the self-employed with strongly fluctuating incomes can take out a loan without Consideration of negative SCHUFA entries received. Often there is also talk of one Credit everyone gets.

An instant loan despite a SCHUFA query is possible through our financing service provider. Enter the desired loan amount as well as the desired term and purpose. You will then be asked to enter your basic personal data. After the form is completely filled out, you don't need to do anything else. You will soon receive further information by email. On the other hand, if you have one Credit in less than an hour on the account without Schufa need, you better ask Vexcash* a loan up to a maximum of 3,000 euros.

For smaller loan amounts up to 1000 Euro especially mini loan providers such as cashper*, Vexcash* and ferratum* suitable for a loan with a negative Schufa entry. Because these banks give one uncomplicated loan without paperwork and despite negative SCHUFA entries. In addition, Cashper offers the loan of €600 free of charge. We want to take a closer look at these four banks that offer a loan despite negative credit bureau with the following overview:

Offerer

Credit despite negative SCHUFA

minimum income

Costs

Express surcharge (600€ credit)

payout

Duration

loan amount

More information

Advertisement: Which bank gives credit despite negative SCHUFA? Cashper gives mini loans despite negative information!

Credit possible despite negative SCHUFA entry

€700 income

30 days credit over 600 € : 0 €

€99 express surcharge

Payout in 24 hours on the account

15, 30 or 60 days

New & existing customers: 100 € to 1500 €


Cashper is my recommendation for a bank that gives a loan despite negative SCHUFA.


To the provider:
Cashper.de




Get credit at Vexcash despite SCHUFA entry. Already from 500 Euro income.

Credit possible despite negative SCHUFA entry

€500 income

30-day credit over €600 : €6.95

€39 express surcharge

Payout in 30-60 min on the account

15, 30, 60 or 90 days

Existing customers: €100 to €3,000


New customers: €100 to €1,000

To the provider:
Vexcash.com

 Get credit at Ferratum despite SCHUFA entry. Already from 0 Euro income

Credit possible despite negative SCHUFA entry

€0 income

30-day credit over €600 : €5.11

€179 express surcharge

Payout in 24 hours on the account

30, 62, 90 or 120 days

Existing customers: €50 to €2,000


New customers: €50 to €1,000

To the provider:
Ferratum.de

Smava is also a place to go if you have the question

Credit possible despite negative SCHUFA entry

€600 income

30 days credit over 600 €: depending on creditworthiness

€0 express surcharge

Payout depending on the credit in 24 hours or a few days on the account

12 months to 144 months

€500 to €120,000


To the provider:
Smava.de

Up to 1,000 euros, mini loan providers are recommended as a bank for a loan despite negative credit bureau

On the one hand, these are the mini loan providers cashper*, Vexcash* and ferratum* which are for amounts up to around 1,000 euros suitable as lenders. These providers are less interested in whether you have a negative credit bureau or not. In addition, the Mini loan up to 600 euros from Cashper without interest and fees. thats why Cashper for loans up to 600 euros the best bank, which grants a loan despite negative SCHUFA. Above 600 euros, however, the Cashper loan becomes significantly more expensive due to the mandatory 2-rate option. A better and cheaper alternative for amounts over 600 euros is the provider Vexcash.

However, there may be other constellations where other mini loan providers are better suited to granting a loan without considering your negative credit bureau entries. Therefore we have another one on Konto-Kredit-Vergleich.de Guide to lightning credit created. In the one contained there Mini Loan Calculator you will find for your credit needs between 50 and 3000 euros the cheapest bank, Which a loan despite a negative credit bureau entry forgives. But if you only need 600 euros or less, you should simply use the free Cashper loan use.

Free €600 credit

Then cashper also grants loans to new customers despite a negative credit bureau entry up to 1,500 euros. The provider only requires €700 minimum income. You can also get the loan with an income below the attachment limit. Of the 600 € credit is in for 30 days completely free. So the bank pays you 600 € and you pay €600 30 days later back again. Because of the good conditions, cashper is a recommendation for loans despite negative credit bureau.

For small sums, Cashper is the best bank that gives a loan despite a negative SCHUFA.

Cashper is the best bank that gives a loan despite negative SCHUFA.


Free credit for 30 days
The bank grants a cheap loan despite negative entries in the Schufa
Up to 1,500 euros




cashper also grants loans to new customers despite a negative credit bureau entry up to 1,500 euros.
The provider only requires €700 minimum income. You can also get the loan with an income below the attachment limit.
Of the 600 € credit is in for 30 days completely free. So the bank pays you €600 and you pay €600 back 30 days later. Not a penny more. Because of the good conditions, cashper is a recommendation for loans despite negative credit bureau.



To the provider:
Cashper.de






The loan "despite negative SCHUFA" is suitable for all people. Not only for employees or civil servants, but also in particular for self-employed, unemployed, supplementary, Hartz IV recipients, students and pensioners. After checking the request will borrow money without Consideration of negative SCHUFA entries possible. Small business owners in particular benefit from this loan without Consideration of negative SCHUFA entries. 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.

Which bank gives credit despite negative SCHUFA over 1,000 euros?

However, if more than 1,000 euros are to be included, there are almost no more banks to choose from with a negative Schufa entry. Because most mini loan providers only give new customers up to 1,000 euros in credit. Cashper still awards up to 1,500 euros to new customers, but then the end of the road is reached here too. But if you have an acute need for credit, you still have the following options Getting credit despite negative credit bureau information:

  • credit from individuals
  • Credit from foreign banks.

A loan from private individuals is often granted even if the credit bureau score is bad

At a credit from individuals the creditworthiness is checked, but it is at the discretion of the private lenders whether the financing comes about. In contrast to banks, private lenders do not have a rigid set of rules and can therefore grant a loan even with negative credit bureau entries. The same as P2P Lending designated  Credit from private is therefore a real alternative to classic bank loans. A loan from private individuals can usually still cover urgent credit needs of more than 1,000 euros. You can get a loan from private individuals through our financing partner Smava* to graduate.

For short-term financial bottlenecks of one or 2 months, I recommend a mini loan such as cashper*. If you are looking for a loan for several months despite negative SCHUFA, it is best to turn to the professionals Smava*. Depending on the situation, Smava can put you in touch with a suitable bank where you can get a cheap loan despite negative entries in the SCHUFA.

If you know your Schufa score, you can use this overview to find out which bank still grants a loan despite a negative Schufa

Whether a loan is granted despite a negative entry depends on the goodwill of the bank. But the severity of your negative SCHUFA entry is also crucial. Because negative features can push the Schufa score down to different degrees. It depends hardness of the feature. Finally, the range of SCHUFA scores from under 50 percent to over 95 percent. Some banks no longer grant credit with a score of 95, as the overview below shows.

If you know your Schufa score, you can do this Use the overview to see which bank you can get a loan from despite a negative Schufa or bad Schufa score get.

Credit bureau bank score: 9.772-9.999 Credit bureau rating: AWAYProbability of fulfillment: 97,5 % - 100 %Probability of failure: < 2,5 %
Interest charges: Best interest rates

As possible? Long-term credit history without abnormalities, long-term permanent residence, long-term fixed bank account

Due to the required characteristics, the rating levels A and B can only be older age be reached.
If you have a Schufa rating of A or B you have an excellent credit rating and are creditworthy everywhere. We recommend an installment loan with particularly low interest rates such as the SWK Bank*.

Recommendation:
SWKBank.de


Credit bureau bank score: 9.623-9.771 Credit bureau rating: CD
Probability of fulfillment: 95 % - 97,5 %Probability of failure: < 5 %
Interest charges: Very good interest rates
As possible? Credit history without abnormalities of a few years, long-term permanent residence, long-term fixed bank account, Also with one Schufa rating of C or D, you have a good credit rating and are creditworthy with almost all banks.
Therefore, an installment loan with particularly low interest rates such as the SWK Bank* Worth a look.

Recommendation:
SWKBank.de

Credit bureau bank score: 8.774-9.622 Credit bureau rating: E,F,G
Probability of fulfillment: 90 % - 95 %Probability of failure: < 10 %
Interest charges: good to acceptable interest rates

As possible? If you don't have a long credit history (over 1 year), you may be in this range, even if you've always paid all your bills.

The rating levels E,F,G are therefore typical for young professionals.
With a Schufa rating of E, F or G you also get a loan from some banks.
With a Schufa rating of E, F or G, however, you have to accept slightly worse conditions for the loan.

In order to still get the best out of your financing, you should in this case get several comparison offers via a comparison portal such as Smava* collect at the same time.

Recommendation:
Smava.de


Credit bureau bank score: 8,006 - 8,773 Credit bureau rating: H
Probability of fulfillment: 80 % - 90 %Probability of failure: < 20 %
Interest charges: moderate interest rates

As possible? If you don't have a credit history and have moved frequently or recently opened many credit cards or accounts, your Schufa score can drop to level H.
With a Credit bureau rating by H you only get a loan from a few banks. One speaks of one moderate creditworthiness and you have to accept poorer loan conditions.

In order to still get the best out of your financing, you should in this case get several comparison offers via a comparison portal such as Smava* collect at the same time. If Smava cannot help you further, or for comparison purposes, it is worth making a parallel request to Receipt credit*.

Recommendation (1):
Smava.de


Recommendation (2):
Bon-kredit.de

Credit bureau bank score: 1-8.005 Credit bureau rating: I,K,M
Probability of fulfillment: 50 % - 80 %Probability of failure: < 50 %
Interest charges: noticeably higher interest rates
As possible?Do you already have some installment loans running and are you still asking for loans? In many cases, this leads to poor credit ratings
With a Schufa rating of I, K or M the credit bureau reports a “very high risk” to the financing bank. Therefore, with a Schufa rating of I-M, one speaks of one bad credit.

That's why you only get a loan from a few selected banks and credit intermediaries. What is also possible are smaller mini loans or loans from private lenders.

However, you should definitely keep an eye on the risk of possible over-indebtedness, which is further fueled by the now noticeably worse credit conditions.

A recommendation for a credit provider with bad credit is Receipt credit*. Because often Bon-kredit can still find financing for you even if you have a bad credit rating.
Alternatively, you could also get financing through the Sigma bank* get a loan. The prerequisite for Sigma Bank, however, is permanent employment and an income of at least €1,330.


Recommendation (1):
Bon-kredit.de


Recommendation (2):
Sigma credit



Credit bureau bank score: 1-9,999 (with negative feature)Credit bureau rating: N,O,P
Probability of fulfillment: 0% - 50 %Probability of failure: >50 %
Interest charges: Very high interest premium
As possible? There is a negative Schufa entry. This is the case with:
- an ongoing or recently completed dunning procedure
- Using an account despite being banned from using it
- the non-submission of the asset report or a
- Consumer bankruptcy proceedings.
But even if the creditors have ruled out satisfaction, you have a negative Schufa characteristic and can therefore no longer achieve a better score than N.
With a Schufa rating of N, O or P Schufa reports a “very critical risk” to the financing bank. At this rating level there is a negative Schufa entry, which only disappears after 3 years.

If you need a loan beforehand, this is very difficult. The loan is likely to be rejected in most cases. It is also not necessarily recommended to further burden your financial situation with loans. Because if you actually get a loan, you have to expect high interest rates. When the installments are repaid, there is a risk of over-indebtedness, since the interest is a heavy burden on your budget.

About the Sigma bank* However, it is possible to get a loan if you have a permanent job and an income of at least €1,330. However, we do not want to recommend this at this point.

Guarantors and collateral can enable many loans despite negative SCHUFA entries

With a guarantor as a second applicant in the loan agreement, many loans can be made possible - despite a negative entry in the Credit bureau.With a good guarantor, the question "Which bank gives credit despite negative Credit bureau?" can be answered quickly: You should be able to get a loan from almost all banks . Because a guarantor with a good credit rating greatly reduces the risk of default. Therefore, loans with guarantors are approved by most banks, even despite a negative entry. Therefore, a guarantor is an easier way to get a loan despite SCHUFA.

But other securities offered are also included installment loans always a plus and often result in the loan being approved by the bank. It should security worth at least the value of the loan. Real estate or cars can be used as collateral. While a land charge is entered in the land register for real estate, there is one for a car Submission of the vehicle letter. An easier way to get a loan from many banks despite SCHUFA is to apply with a guarantor or second applicant.

At many banks, if the SCHUFA entry is negative, further criteria must be met in order to get a loan

Despite everything, there is no guarantee of getting a loan with a negative entry in the SCHUFA. However, if the following criteria are met, it is much more likely that you will receive a loan despite a negative note. As we shall see later

  • permanent employees
  • permanent employment
  • No more trial period
  • Income above the garnishment limit (without maintenance: €1,260)
  • No open negative entries without "note done"

Credit intermediaries find banks that grant a loan in many cases despite negative SCHUFA

Every bank has different award criteria for loans. Therefore can multiple requests have different results to have. Note, however, that several credit inquiries negatively impact the SCHUFA score affect. So ask for a condition request. In contrast to a loan request, this does not worsen your SCHUFA score.

The easiest way to get these inquiries from several banks is through a financial service provider such as Smava or Bon-kredit. These intermediaries check the offers of the banks. Smava and especially Bon-kredit often find a bank that grants a loan despite negative SCHUFA. But even if that doesn't work, Smava can give you a Credit from private convey. Here is one Lending despite negative SCHUFA in many cases still possible.

info

The approval of a classic bank loan is rarely possible in connection with a negative SCHUFA entry. It is therefore advisable to let professionals search for a loan despite a negative Schufa entry. Credit intermediaries such as Smava* or bon credit*give but one Credit despite negative SCHUFA to all groups of people. This means that in particular also Self-employed, Hartz 4 recipients, unemployed, students and housewives can obtain a loan despite negative SCHUFA to bridge bottlenecks

Looking for a loan despite negative SCHUFA? Learn how banks determine your creditworthiness

The creditworthiness is determined by the banks from several variables. Here we look at the individual factors that are taken into account when calculating your credit rating. The banks try to keep these criteria under wraps for competitive reasons.

Konto-Kredit-Vergleich.de naturally tries to find out as much information about the credit rating as possible from the credit providers. This makes it more transparent for the readers whether and to what extent a loan is still possible despite a negative SCHUFA and credit rating.

Credit with a negative SCHUFA entry: No problem if income and expenses are within limits

What is the minimum income you need for a credit free loan to pass the credit check?

Lenders often keep the necessary minimum income a big secret. In addition, each credit provider uses its own requirements. Furthermore, the required minimum income also depends on the amount of the loan, the loan term, dependents and the SCHUFA score.

Minimum income from credit providers
Minimum income from credit providers

On the other hand, the minimum income requirements for short-term mini loans are low. The following table shows the minimum income of the Small loans without Consideration of negative SCHUFA entries opposite to:

Offererminimum income
Ferratum Bank*€0 up to a loan amount of €1,000
Vexcash*500,- €
Smava*601,- €
cashper*700,- €
Auxiliary*1.000,- €
credimaxx*1.100,- €
Creditolo*1.260,- €
Maxda*1.260,- €
bon credit*1.300,- €
Minimum income from banks that grant loans with a negative SCHUFA entry

Since some providers do not have high minimum income requirements, this is often the case even in difficult cases such as receiving sick pay Credit despite sick pay still possible.

There is currently no provider that offers you one Loan without proof of income for amounts over €1,000 borrows. ferratum* however, does not require any proof of income up to a loan amount of €1,000. You can find out more about loans without income here.

If you need a higher loan amount, you usually need to have a net income of between €700 and €1,150. In the article Which bank gives credit for low income? you will find a few more options on how and where you can get a loan despite a low income.

Some credit providers want to know the number of dependents in the household. If you have to make maintenance payments for several people, the minimum income requirements increase. If you have little or no income, you may also be interested in these 4 ways to get a loan with no income to obtain.

Notes on monthly expenses to pass the credit check

Calculate expenses

Monthly expenses are just as important as income. Loan providers therefore want to be informed about your monthly expenses. Your fixed monthly expenses include: Rent, electricity, gas, internet, automobile, existing loans, hobbies etc. As proof, lenders often want to see your last two or three bank statements. The more surplus you have available at the end of the month, the better.

With a bad credit rating, you can borrow about 40 times your disposable income. For a loan of 8,000 € you would need to have about 200 € per month left.

With these tips you can improve your credit rating in order to get a loan.

SCHUFA information

This probably comes as no surprise to you. But did you also know that you have the right to request data from the credit bureaus for free once a year to be checked? If something is not right here, you can have false entries deleted. This is how you improve your score. There are hard and soft negative SCHUFA entries.

Hard negative SCHUFA entries are

  • check fraud
  • arrest warrant
  • False affidavit
  • bankruptcy proceedings
  • foreclosure measures

As a rule, you will be rejected at German banks if you over hard negative entries have. However, it can be a credit without Consideration of negative SCHUFA entries are completed. In such a case, however, it is better to consult a debt counseling service.

People that soft negative SCHUFA entries have the opportunity to get a loan from German banks.

To the soft negative entries counting:

  • Termination of accounts, credit cards etc.
  • reminders
  • dunning notices
  • Initiation of collection procedures

These negative entries worsen your credit rating, but are usually not exclusion criteria for lending. Some loan providers are not quite as strict with the SCHUFA score.

Advantages and disadvantages of the loan without Schufa

Before you get a loan without SCHUFA entries, you should first try to get a regular loan with the existing Schufa entry. So a loan despite Schufa entry.

For this you can use a guarantors insert, you money from private Rent, collateral such as a car (deposit the vehicle registration document with the bank) or a house (land charge) use.

Indeed, a loan without Schufa has significant disadvantages compared to a regular loan, as the comparison of the advantages and disadvantages of loans without Schufa shows.

In particular, a loan without Schufa has as a significant disadvantage greatly increased costs. If you can get rid of negative Schufa entries (pay old bills + report defeat to Schufa), this way is clearly preferable.

Advantages: credit without Consideration of negative SCHUFA entries 👍Disadvantages: credit without Consideration of negative SCHUFA entries 👎
👍 In the case of a negative entry in the SCHUFA report that cannot be deleted in the short term, this is usually the only financing option.👎 Mostly higher interest rates
👍 No inquiry at the SCHUFA and therefore no report about the borrowing👎 Proof of income required (usually at a certain level)
👍 Online conclusion: Simple and quick conclusion via the Internet - no printer required👎 Framework design mostly inflexible: The lender usually determines the term, installments and loan amount
👎 There are many dubious providers
Credit with Schufa entry Which bank? Small loans from known providers are also available with SCHUFA entry.

How to get banks to grant a loan despite negative SCHUFA

Convince the bank with good payment practices

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 due to an internal review. The bank may suspect bad ones payment practices. The lender then expects not to get the money back. Therefore, he refrains from granting the loan. If you can prove good payment behavior over 3 years, it usually works with the granting of a loan!

Plan realistically and create one household bill

Compare income and expenses. After all costs have been deducted from your income, you are left with 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 will be more expensive than expected, or an additional payment for electricity, gas or telephone costs will flutter into the house. For such cases you should plan a buffer. Therefore, the loan amount should not be too high. The household income must be sufficient to repay the loan installments. You can find out if this is the case with a household bill. With a household bill, you are well prepared for a conversation with the bank and ideally show that you can plan realistically.

Check your SCHUFA entry

Errors happen with SCHUFA entries. Do you have the impression that the bank is unjustifiably refusing you a loan because of 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.

If the negative entry is not a mistake, you should take care of it as soon as possible. Pay old and still open invoices and then arrange for the deletion of the Schufa entries at Schufa. It is important that there are no more claims against you: only then will the nagtive Schufa entry really be deleted!

Give it a try: A loan request from a 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 taking into account negative SCHUFA entries with possibly higher interest rates, you should request it from 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. Since a loan request from a normal bank costs nothing, you can just try it. The loan request should definitely be as Conditions request be asked. As a result, you do not worsen your creditworthiness through the request itself. It is quite possible that bank A rejects your loan application, while bank B agrees to it. Through providers like Smava* you can inquire at several banks at the same time. In addition, credit requests are only made there as conditions, so that your Schufa score does not deteriorate as a result of the request.

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. Because nothing convinces banks more than well-regulated financial conditions. Therefore, financing excessive consumption should be avoided. As a Evaluation of debt counseling shows, debt will be a growing problem in Germany in 2021.

⚠ You want to know "Which bank gives credit despite negative SCHUFA?" Be careful: Dubious providers cavort with loans without taking into account negative SCHUFA entries ⚠

Attention with the credit without SCHUFA: There are many dubious providers

You should be careful with a loan without taking negative SCHUFA entries into account. On my site I receive various inquiries and spam posts from alleged providers of "reputable" credit bureau-free loans every day. If you are interested in a loan without taking negative SCHUFA entries into account, you should be careful. The following criteria can help you to expose dubious providers:

upfront fees

Reputable providers who arrange a loan without taking into account negative SCHUFA entries never demand an advance on costs. Even particularly fast processing is not invoiced separately by such providers.

No upfront fees: Neither Konto-Kredit-Vergleich.de nor our partner have 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 charitydiakonia 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.

More hints like you reputable loans without credit bureau fat least, can be found in the linked article.

After the article has clarified the question "Which bank gives credit despite negative SCHUFA?", it is important to know the requirements for bank loans in the next step

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

Through our financing partner there is the possibility of getting a loan despite a bad credit bureau. In this case, borrowing money without SCHUFA does not work through a bank, but through the mediation of a loan by private individuals.

Which bank gives me a loan despite negative SCHUFA if banks are obliged to check creditworthiness?

If you are looking for a loan, it is often difficult to get past the SCHUFA, because banks are obliged to get information about your creditworthiness. Loans, for example, offer a way out private individuals mediated. Konto-Kredit-Vergleich.de shows how you can get a loan despite a Schufa entry.

through the combined request* to banks and private individuals at the same time, you always get the best credit conditions. With or without a SCHUFA entry! You can also get credit from the Ferratum Bank* and the providers Vexcash* or cashper* receive. A loan is often a little more expensive for people with a negative SCHUFA or poor credit rating. This is because lending with poor creditworthiness poses a risk for banks. However, the providers often have good promotions, so that you can get a loan on favorable terms despite a SCHUFA entry. This is how you currently get it Mini loan without taking negative SCHUFA entries into account from Cashper for 600 euros without any fees.

Is the Swiss loan an alternative if you want a loan despite a SCHUFA entry?

Since you can't actually get past the SCHUFA or other credit bureaus at German banks, there is no way to get a loan from a German bank without SCHUFA. It's different with foreign banks. The most common is the Swiss loan. Here the money comes from a Swiss or Liechtenstein bank and flows into your account without a SCHUFA check. The most well-known bank for loans without Credit bureau is the Sigma Credit Bank* from Liechtenstein.

Disadvantages Swiss credit despite SCHUFA

However, Swiss credit also has significant disadvantages.
A high minimum income is usually assumed. Another condition for taking out a Swiss loan is a permanent employment. A third piece of information that Swiss banks would like to know is whether wother credit agreements consist.
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.
It's much easier to get over that Form from our partner of money. Loans from private individuals are also offered here. You will also receive this with a negative SCHUFA entry.

A loan despite negative SCHUFA at Targobank?

As outlined in another article, there are increasing inquiries and reports on the Internet about Loans despite negative Schufa at Targobank. In principle, Targobank - like other German banks - draws up a precise picture of its customers before granting a loan. For this purpose, the creditworthiness is checked on the basis of several criteria and then it is decided whether and in what amount a loan can be granted. Part of this credit check is also a SCHUFA query at Targobank. It is much easier to get a credit check via the Form from our partner money quickly and unbureaucratically.

Even if Targobank is not a bank that gives credit with bad credit, there are alternatives. If you have a bad credit rating or a negative SCHUFA entry, you can try a small loan. With a small loan you can plug holes in the household budget in the short term. You often get a small loan despite a bad credit rating. Contact points are the Ferratum Bank* and the providers Vexcash* or cashper*.

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. Our partner works only with reputable lenders.

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

With a loan without SCHUFA, the available amounts are limited. As a rule, most providers offer loans without taking into account negative SCHUFA Entries up to a maximum loan amount of 7,500 euros. Sometimes something about that too. Find out what amount you can borrow.

Where can I get a loan despite a SCHUFA entry?

There are still banks that have one Credit despite SCHUFA entry forgive. These include, for example, the Ferratum Bank* and the providers Vexcash* or cashper*. Another alternative is an inquiry about SMAVA* to deliver. Smava can grant you a loan despite a SCHUFA entry if it is not a loan hard negative credit bureau entry acts.

When looking for a loan despite a negative SCHUFA entry, you should know that a credit bureau-free loan means an additional risk for the bank. Banks take this risk into account in their calculation: This is how a loan is despite a SCHUFA entry often more expensive. The advantage of an inquiry via SMAVA is that you will also be offered a regular loan if your SCHUFA is better than you might have thought. This is how you get a suitable loan - whether you have a negative SCHUFA entry or not! start yours Non-binding loan request despite SCHUFA entry via the button below.

Non-binding credit request
Smava.de

Credit everyone gets

Since anyone can take out a loan despite negative SCHUFA, the loan is often referred to as "Credit everyone gets" designated. Up to 1000 euros and 62 days, almost everyone gets a loan from mini loan providers. In difficult cases, credit intermediaries are most likely to get the loan approved.

Credit that everyone gets up to 1,000 euros and 62 days

If you have an amount of less than 1,000 euros up to a maximum of 62 days need a mini loan from ferratum* record, tape. Since Ferratum does not require proof of income, (almost) everyone can get this loan. In addition, the Ferratum credit is up 600 euros and 30 days for only about 5 euros fees to have. But why does almost everyone get the Ferratum loan and not everyone? Ferratum also does a kind of mini check before granting the loan without proof of income: The digital account check. To do this, you must provide your bank details.

Above 600 euros offers Ferratum the "Credit everyone gets“ unfortunately only with an expensive 2-rate option (149 euros). But watch out: The fee for the 2-rate option can be avoided if you and a person close to you (e.g. spouse) each Record 500 euros separately for 30 days. This way, the loan doesn’t tear another hole in your household budget.

Alternatives for the "Credit everyone gets“ are up to €1,500  cashper* and Vexcash*. at cashier can you 600 € 1500 € für 30 Tage kostenlos Rent. You must have a minimum income of €700 for this. Vexcash, on the other hand, only requires a minimum income of €500 and is therefore also a good alternative to get an easy short-term loan that almost everyone can get. In our article about Banks that lend easily you will find a top 10 list of banks and credit intermediaries that are particularly easy to grant loans (“yes banks”).

Credit everyone gets over 1,000 euros or for longer than 62 days

If you more than 1,000 euros If you want to finance with a loan, a credit broker will help you to find the right loan. A non-binding inquiry to a credit intermediary is also recommended if you Loan for longer than 2 months or 62 days need In this case divorce the Small loan providers Ferratum, Vexcash and Cashper namely out of. You can use the button below to register without obligation Loan request from the credit broker smava start. Even if not everyone gets a loan without restrictions: If you follow the tips on this page, you should usually get a loan through Smava. The credit professional can arrange a loan for almost anyone.

Non-binding credit request
Smava.de

Which bank accepts me despite negative credit bureau?

Everyone has the right to a so-called basic account on a credit basis. This means that an overdraft is not possible. So neither overdraft facility nor credit card. Cheap banks for a checking account are despite bad SCHUFA ING,* Consors* and comdirect*. Banks are required by law to do so Opening a checking account despite a bad credit bureau. Nevertheless, a bank may ask a SCHUFA query if you request a basic account. This is because each person is only allowed to have one basic contact. The bank can confirm this with a SCHUFA query.

A checking account without a SCHUFA check is available from Tomorrow Bank. There used to be a checking account without a SCHUFA check from o2. But this no longer exists: o2 checks the SCHUFA information just like other banks. In another guide article are the best free checking accounts without Schufa Query and receipt of money are listed.

Which bank gives a loan despite negative credit bureau that (almost) everyone gets

There are still banks that grant a loan despite the negative feature: On credit den (nearly) everyone gets. These include, for example, the Ferratum Bank* and the providers Vexcash* or cashper*. Another alternative would be an inquiry about SMAVA* to deliver. For banks, a loan with poor creditworthiness is an additional risk. You take this risk into account in your calculation: Loans with poor credit ratings are often more expensive. The advantage of an inquiry via SMAVA is that you will also be offered a regular loan if your credit rating is better than you might have thought. More information on the topic "Which bank grants credit with bad credit?' can be found in the linked guide article.

What to do if you can no longer get a loan?

If banks consider the risk of a loan default to be too great, they will not grant a loan. If you are looking for a bank that gives you a loan despite negative credit bureau, you should know the following: You can do a lot yourself to improve your credit chances. Here are 7 tips to do just that.

7 tips on what to do if you can no longer get a loan

  1. increase revenue: If you increase your income, you improve your situation in the long term.
  2. Reduce expenses: The same applies when you reduce your expenses.
  3. use guarantor: Thanks to a guarantor with a good credit rating, loans can also be granted by many German banks despite negative credit bureau. The creditworthiness of the guarantor is decisive here.
  4. Do not choose loan rates that are too high: Between 4,400 and a maximum of 1,000 euros are possible for every 100 euros of disposable income. The loan should not be higher than 15 times the monthly net.
  5. Have false Schufa entries deleted: This will improve your credit rating immediately and you can get a loan directly on good terms.
  6. Pay attention to the age limits of the lenders: Many banks reject people over 70. You can still get a loan with collateral or guarantors.
  7. Offer collateral: If you need the loan for a vehicle or home renovation, you should try to offer collateral to get a loan.

If you can no longer get a loan but urgently need money, you can alternatively apply to the Ferratum Bank* and the providers Vexcash* or cashper* Requests. The checks are less strict with these providers than with other lenders.

However, a better long-term option is yours improve financial situation. This includes increasing income as well as reducing expenses. You should also work on your credit rating. An analysis of your SCHUFA information is a good starting point for this. You can the SCHUFA information apply for free.

What to do if you can no longer get a loan? 1) Increase income 2) Reduce expenses 3) Improve creditworthiness
What to do if you can no longer get a loan? 1) Increase income 2) Reduce expenses 3) Improve creditworthiness

5 instant tips when you can't get any more credit

1. Guarantor: find someone to vouch for you

A guarantor can also enable a loan with a small income, an insecure employment relationship (probationary period, self-employment) or old age. The guarantor agrees to take over the loan if you can no longer pay the installments yourself. A familiar relationship between the guarantor and the borrower is very important (e.g. close relatives).

Credit with guarantor
Secure credit through a guarantor

2. Choose a realistic loan amount: Loan installments must come from free income be affordable

The disposable income must be sufficient to pay the loan installments. Disposable income is the money you have left over every month. So all expenses have already been deducted from your income.

Here is an example: If your disposable income is €100 after deducting all costs, you can get a loan of €4,400 with a term of 4 years. With a term of 6 years, a loan of €6,600 is possible and with a term of 10 years, €10,000 is possible.

An average adult can do about that 15 times your monthly net take on credit. At €1,000 net, around €15,000 credit is possible, at €2,000 net you get around €30,000 in credit.

Loan affordable from free income

3. Delete incorrect Schufa entries

With the Schufa information, the bank creates a forecast of your creditworthiness. However, the Schufa often has incorrect or old data. By law, you have the opportunity to obtain a free self-assessment from the Schufa once a year. Review all information herein and request deletion of inaccurate information.

A prerequisite for the deletion is that the other party agrees. If you still have an old invoice open, you should settle it as soon as possible. After payment of the invoice, the entry disappears only after 3 years from the Schufa.

Delete incorrect Schufa entries

4. Observe age limits and take appropriate precautions

At an advanced age, lending is restricted or only possible with difficulty because the age limit has been exceeded. In the event of a loan being denied at an advanced age, a residual debt insurance or one shorter term of the credit should be considered. Loans at an advanced age can also be obtained through a guarantors be made possible.

Observe age limits and take appropriate precautions

5. Honest information in the self-assessment

When applying for a loan, you should include ongoing commitments. This also includes existing loans and outstanding bills or obligations from installment purchases. A bank statement is often required when applying for a loan anyway. If it's at the review of bank statement If there are discrepancies with the self-assessment, the loan is more likely to be rejected.

It is better to play with open cards and disclose all obligations. In return, some loan providers even offer to reschedule all existing loans. You can simplify your debt situation by providing honest information in the self-disclosure. In addition, newly rescheduled loans are usually cheaper.

Honest information

every 5 Instant Tips if you can no longer get a loan, you can also find it in the following infographic:

To get a loan despite negative Credit bureau, you can use a guarantor, borrow money from private individuals, use collateral such as a car or a house, or take out a loan without Credit bureau from Switzerland or Liechtenstein. 5 immediate tips if you can no longer get a loan 1. Use a guarantor 2. Do not choose loan rates that are too high 3. Delete false Schufa entries 4. Observe age limits 5. Be honest in self-disclosure

Credit with SCHUFA entry: Which bank?

If you're wondering "Loan with SCHUFA entry: Which bank?“ I can give you the following contact points as reputable providers recommend: the Ferratum Bank* and the providers Vexcash* or cashper*. Another alternative is an inquiry about SMAVA* to deliver. For banks, a loan with SCHUFA entry is an additional risk. You take this risk into account in your calculation: Loans with a SCHUFA entry are often more expensive.

The advantage of an inquiry via SMAVA is that you will also be offered a regular loan if your credit rating is better than you might have thought.

However, the providers of small loans often also have campaigns running. This is how you currently get a 600 euro small loan without Consideration of negative SCHUFA and without interest cashper*. But also the other providers of one Small loan without SCHUFA We always have special offers:

Credit with Schufa entry Which bank? Small loans from known providers are also available with SCHUFA entry.

The seriousness of the question Which bank gives credit despite negative SCHUFA

A serious credit without Consideration of negative SCHUFA is possible with the right partner. Reputable providers have, for example, transparent fees. You should these Warnings heed. Then a serious loan without Consideration of negative SCHUFA no rocket science. However, there are unfortunately providers who cannot keep the promise of serious credit without SCHUFA.

The following contact points as reputable providers are for one Small loan without Consideration of negative SCHUFA to recommend: the Ferratum Bank* and the providers Vexcash* or cashper*. Another alternative is an inquiry about SMAVA* to deliver. For banks, a loan with SCHUFA entry is an additional risk. You take this risk into account in your calculation: Loans with a negative SCHUFA entry are often more expensive.

Even if banks do without Consideration of negative SCHUFA & granting loans despite a negative Schufa query, the banks have the legal obligation to check the creditworthiness of their customers. The banks can make the credit check easy and ignore negative entries. However, in order to offset this risk, banks must raise interest rates a bit. This is essentially the reason why small loans from ferratum*, Vexcash* or cashper* without too Consideration of negative Credit bureau & despite negative Credit bureau query are assigned.

In fact, interest rates play only a minor role in short-term small loans. The costs are mainly driven up by express fees and the like. Interest rates are of little importance. A serious loan without Consideration of negative SCHUFA shows all costs before closing.

Example: ferratum*. A serious loan even with bad SCHUFA. All costs are transparent. Already in the first step.

With Ferratum you can see all costs directly. Transparency is a sign of seriousness.

Ferratum loan application step 1
Ferratum loan application - Step 1
Ferratum loan application step 2
Application for credit with Ferratum - Step 2
Ferratum loan application step 3
Ferratum loan application - Step 3

Loan without proof of salary?

If you are an employee and get a salary, you will find on the site Loan without proof of salary More information. If you don't have proof of your salary, or you want to save yourself the trouble of looking for it, that's all you have to do ferratum* left as a provider of a loan without proof of salary.

Small loan without negative SCHUFA & salaries playing a role: loan without proof of income

If you receive wages or other income, you will find on the page Loan without proof of income More information. If you don't have proof of your salary, or you want to save yourself the trouble of looking for it, that's all you have to do ferratum* left as a provider of a loan without proof of salary.

Lightning credit with immediate payment

A Lightning credit with immediate payment is within you at the latest 24 hours to disposal. In doing so, a Mini loan with immediate payment or a Microcredit with immediate payment used. This is a credit of no long and complicated credit assessment process is available. With a You can get a mini loan up to 3,000 euros immediately to the account receive. are common cheap loans without paperwork and with Instant payout within 30 to 60 minutes about the Lightning loan despite poor credit rating accessible.

provider like Vexcash* make it possible for the Loan already on the account in 30 minutes can be. The provider itself speaks only of eienr payout on the same day, but often this is just in the morning significantly faster. The lightning-fast credit is available to you despite negative SCHUFA! If you want to know how to apply for a lightning loan with immediate payment, what requirements you have to meet and what it means 24-hour instant credit without proof of income from Ferratum* is all about, you can in the article: Credit in 30 minutes on the account (lightning credit with immediate payment) find more information about the lightning-fast instant loan. Since the Lightning credit even despite negative credit bureau entries, it is also available under the name "Credit in 1 hour on the account without Schufa" common.

Conclude lightning loan with and without evidence
To the provider:
vexcash.com

Which bank gives a loan to pensioners despite negative credit bureau

Even as a pensioner you can get a loan despite negative SCHUFA! A Pensioner credit is possible even with a low pension or low income, because banks have recognized that senior citizens tend to be good borrowers. However, it must be borne in mind that a loan for retirees is somewhat limited due to the lack of permanent employment. If a few points are considered when applying for the senior citizen loan and the upper age limit has not been exceeded, you can use the form a loan despite negative SCHUFA can also be concluded for pensioners.

If you are a pensioner and want to find out more about the pensioner loan before applying for a loan from our partner, you can use the guide Study credit for retirees. Herein are topics How Retirees Increase Your Chances of Loan Approval or which requirements have to be met for a pensioner loan treated. We have also gathered information about There are alternatives to the pensioner loanafter the application has been rejected.

Pensioners get a loan despite negative SCHUFA

Loan without SCHUFA, without proof of income, in 30 minutes: The digital loan providers SMAVA, Ferratum, cashper and Vexcash have specialized in such a small loan!

If you are looking for a loan without Consideration of negative SCHUFA & despite a negative Schufa query, you should get yourself checked out by the credit experts at Smava* seek advice. Especially with loan amounts over 1,000 euros, it is worthwhile to turn on a specialized loan professional like Smava.

  • Smava* → without Consideration of negative SCHUFA Entries, well amounts off 1.000 Euro suitable!
  • ferratum* → Borrow up to EUR 1,000 without proof of income
  • Vexcash*→ Instant credit possible in 30 minutes! Fastest loan in Germany!**
  • cashper* → 600 euros Small loan without Consideration of negative SCHUFA & despite negative Schufa query. In addition, no fees or interest at a 600 euros credit.

**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 "1000 euros express credit despite negative SCHUFA and proof of income!"

There is a faster express loan within 30 minutes Vexcash*. The provider convinces with low fees, fast payouts and a high level of customer satisfaction. Do you still 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.

Lightning credit - money there in 30 minutes
Lightning credit – money there in 30 minutes

Which bank gives a loan of up to 3,000 euros despite negative SCHUFA

A Small loan without taking into account negative SCHUFA query up to 1,500 euros you can immediately as a new customer cashier* obtain. You can also get a small loan of up to 1,000 euros as a student or unemployed without taking into account negative SCHUFA queries, as ferratum* a 1000 Euro credit without proof of income gives. You can even up to 3.000 euros as Small loan with negative SCHUFA apply immediately: However, this is only possible if you are already an existing customer Vexcash* are you.

A special cashper has a good loan offer despite a negative SCHUFA entry. Because the small loan without SCHUFA from cashper is up to 600 euros for 30 days even without fees to have. If you up to 600 euros need and can show an income of 500 euros, you will receive at cashier* a free small loan despite bad SCHUFA Information.

A small loan is awarded up to 62 days. If you right now a small loan despite negative SCHUFA need, click on the appropriate button!

Small loan without taking into account negative SCHUFA from 100 euros – 500 euros

Small loan without taking into account negative SCHUFA from 500 euros - 1000 euros

Small loan without taking into account negative SCHUFA from 1100 euros – 3000 euros

If you need more than 3,000 euros, you have to switch to an installment loan. You can find the cheapest installment loans via the Installment loan comparison.

How do I get a loan despite negative credit bureau?

If banks consider the risk of a loan default due to a negative Schufa entry to be too great, they will not grant a loan. Banks fear that they will not get the money back in full (including interest).
Nevertheless, to get a loan despite negative Schufa, you can use a guarantors insert, you money from private Rent, collateral such as a car (deposit the vehicle registration document with the bank) or a house (land charge) use. Alternatively you can use a credit without from Switzerland or Liechtenstein.

4 ways how you can get a loan despite negative Schufa

Which bank does not work with Schufa?

The German banks all work together with the Schufa or a similar credit agency like Crif Bürgel, Creditreform or Infoscore. To get a loan from a bank that does not work with the Schufa, you have to Credit Bureau-free loans from Switzerland or Liechtenstein evade.

This Loan without Schufa can either directly at the Sigma Bank in Liechtenstein or a credit broker like Maxda* or bon credit* be completed.

Swiss or Liechtenstein bank for credit without Schufa

*Affiliate link: If you get to a provider via one of these links from my website, 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.

summary
Which bank gives credit despite negative SCHUFA?
article
Which bank gives credit despite negative SCHUFA?
short description
If you need a loan despite negative Schufa entries, the following banks and credit intermediaries come into question: Bon-Kredit, Smava, Sigma Kreditbank, Credimaxx, Creditolo, Maxda or Auxmoney. Bon-Kredit and Smava are particularly recommended.
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