Which bank gives credit despite negative Schufa? - Top 11

5
(9)

Gehörst du auch zu der Personengruppe, die von der Hausbank oder einer Direktbank aufgrund eines Schufa-Eintrags abgelehnt wurde? Ich weiß, dass dies frustrierend ist und helfen dir in diesem Artikel bei deiner Suche weiter, indem ich eruiere, which bank gives a loan despite negative SCHUFA. The recommended providers work thereby without upfront costs or other processing fees.

Recommended credit providers at a glance

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

Finally, both providers made a loan offer to more than half of all people who inquired via Konto-Kredit-Vergleich.de at a fair interest and without additional costs unterbreitet. Hierzu habe ich einen Test durchgeführt und die Ergebnisse im Beitrag „Where can you really get a loan despite negative Schufa?“ explained.

Kredit-Empfehlung mit negativer Schufa:
bon credit

Sehr hohe Chance auf einen Kredit trotz negativer Schufa


✓ Kredit trotz negativer Schufa
✓ Schnelle Zusage und Auszahlung in 48 Stunden
✓ Ohne Vorkosten, ohne Nachnahme, ohne Vor-Ort-Besuche und ohne Insolvenz „Beratung“



4,9 Sterne bei eKomi aus über 13.314 Bewertungen


To the provider:
Bon-kredit.de



What you can learn here

Which bank gives credit despite negative credit bureau?

In this provider overview you will find the conditions of reputable lenders despite negative Schufa.

All providers work without charging any upfront costs. In order to avoid further additional fees, you should also be sure to express payout with costs or a (mostly superfluous) residual debt insurance dispense

Because these additional services are expensive, and a Lending is not guaranteed even by an insurance policy. In the worst case, you have taken out insurance for the loan and the bank refuses to grant the loan. Then you have to pay the insurance installments without getting the loan from the bank. For this reason, we recommend that insurance be generally dispensed with.

Finally, a Credit despite negative Schufa often expensive enough. This is because a poor Schufa score always goes hand in hand with higher interest rates. In 2022, you will have to pay Credit despite negative Schufa with interest rates of 5 to 11 % p.a. expect.

Der von mir empfohlene Anbieter Smava*, can often offer the best interest rate, as it brokers loans from regular banks as well as from private individuals. So you often save a third of the cost. If you still find a cheaper offer elsewhere, you automatically have a "Cheaper does not go warranty" and Smava will refund the difference.

#1: Receipt credit
Bon credit logo

High expertise in loans despite Schufa



4,9/5 (eKomi)


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

Bon Credit Seal


To the provider:
Bon-kredit.de


#2: Smava
Smava: Loans with poor credit rating and despite negative Schufa

Cheaper does not go warranty



4,9/5 (eKomi)


Interest charges: -0.4 % at €1,000
Loan Amount: 500 till 120.000€
Minimum income: €601 net per month
Duration: 12 to 120 months


Smava Seal



To the provider:
Smava.de



Speed
24
Hours
Costs
5/5
Points

Smava undercuts offers from other providers with the "You can't get cheaper than this" guarantee


To the provider:
Smava.de
#3: Vexcash
Vexcash: Loans despite negative Schufa

Fastest payout



5/5 (eKomi)


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

To the provider:
Vexcash.de



Commitment probability
>80
Percent

Inaccurate data on commitment probability

Speed
< 1
Hour
Costs
3/5
Points

Smart option too expensive


To the provider:
Vexcash.de
#4 Auxmoney
Auxmoney - loans without Schufa from private individuals

Alternative: Loan from private


Suitable for self-employed



4,8/5 (eKomi)


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

To the provider:
Auxmoney.de



Speed
4
Days
Costs
5/5
Points

Favorable conditions


To the provider:
Auxmoney.de
#5 Sigma Kreditbank
Sigma Kreditbank AG: Loans from Liechtenstein without Schufa


Real credit without Schufa from Liechtenstein



4,8/5 (eKomi/Maxda)


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

To the provider:
Sigma credit bank


Commitment probability
33
Percent

Refusal, without permanent employment

Speed
4
Days
Costs
3/5
Points

Interest expensive


To the provider:
Sigma credit bank
#6 Creditolo
Creditolo: Loans from Switzerland and Liechtenstein without Schufa




4,3/5 (trust pilot)


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

To the provider:
Creditolo.de




Commitment probability
33
Percent

Refusal, without permanent employment

Speed
4
Days
Costs
3/5
Points

Interest expensive


To the provider:
Creditolo.de
#7 Ferratum
Ferratum: Loans without Schufa from Malta




4,7/5 (eKomi)



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

To the provider:
Ferratum.de



Commitment probability
>80
Percent

Inaccurate data, for commitment probability

Speed
24
Hours

At the end of 2022 there are unfortunately delays in payment up to 48 hours

Costs
3/5
Points

Interest expensive


To the provider:
Ferratum.de
#9 DSL Bank
DSL




4,5/5 (Proven Expert)



Interest charges:4,40 %

Loan Amount: 5000 € - 50.000 €
Minimum income: unknown
Duration: 48 - 120 months

Installment loan despite negative Schufa:
To the provider:
DSLBank.com





Commitment probability
>40
Percent

Inaccurate data, for commitment probability

Speed
4
Working days


Costs
4/5
Points

Favorable interest rates


Construction financing despite negative Schufa:
To the provider:
DSLBank.com
#10 Maxda
Which bank gives credit despite negative SCHUFA? → Maxda




4,8/5 (eKomi)



Interest charges:8.9 % (for 2/3 of customers at €10,000)

Loan Amount: 1.500 € - 250.000 €
Minimum income: 1.260 €
Duration: 12 - 120 months

To the provider:
Maxda.de





Commitment probability
>40
Percent

Inaccurate data, for commitment probability

Speed
48
Hours


Costs
2/5
Points

Caution: In some cases, insurance is taken out before the loan is concluded



To the provider:
Maxda.de
#11 Credimaxx
Which bank gives credit despite negative SCHUFA? → Credimaxx




4,8/5 (eKomi)



Interest charges:7.9 % (for 2/3 of customers at €4,000)

Loan Amount: 500 € - 80.000 €
Minimum income: 1.100 €
Duration: 12 - 120 months

To the provider:
Maxda.de





Commitment probability
>20
Percent

Chance of success lower than with other providers

Speed
48
Hours


Costs
3/5
Points




To the provider:
Maxda.de
#12 Cashper
Which bank gives credit despite negative SCHUFA? → Cashper




4,7/5 (eKomi)



Interest charges:0 % for new customers

Loan Amount: 100 € - 1.500 €
Minimum income: 700 €
Duration: 30 - 60 daysTo the provider:
Cashper.de





Commitment probability
>80
Percent

Chance of success very high

Speed
24
Hours


Costs
5/5
Points

Free application for new customers



To the provider:
Cashper.de
#13 TF Bank
TF Bank from Sweden is another bank that gives a loan despite negative SCHUFA?

Credit card despite bad Schufa




4,4/5 (trust pilot)



Interest charges:0 % for up to 51 days

Loan Amount: 0 - 10.000 €
Minimum income: not known
Duration: no limit To the provider:
TFBank.com





Commitment probability
>40
Percent

Chance of success: medium

Speed
3-4
Days


Costs
3/5
Points

Free of charge for up to 51 days, but high interest thereafter

seriousness
5/6
Points
#14 Advanzia
Get credit with Advanzia credit card despite negative Schufa. gives.

Credit card despite bad Schufa




4,5/5 (trust pilot)



Interest charges:0 % for up to 7 weeks

Loan Amount: 0 - €20,000 for long-term customers. Maximum limit of €2,000 after application, €3,000 after three months and €5,000 after eight months.
Minimum income: No minimum income required - application without salary certificates
Duration: no limit To the provider:
Advanzia.com





Commitment probability
>60
Percent

Chance of success: good

Speed
3-4
Days


Costs
3/5
Points

Free of charge for up to 7 weeks, but high interest thereafter

seriousness
5/6
Points

Consors Finance



4,3/5 (trust pilot)



Interest charges:2,99 %

Loan Amount: 500 € - 50.000 €
Minimum income: 650 € net per month
Duration: 6 - 120 months

Abschluss nur direkt beim Anbieter möglich


Commitment probability
>40
Percent

Inaccurate data, for commitment probability

Speed
24
Hours


Costs
5/5
Points

Very favorable interest rates

seriousness
5/6
Points


Abschluss nur direkt beim Anbieter möglich

#1bon credit

bon credit* ist ein Kreditvermittler, welcher sich seit über 40 Jahren einen Namen gemacht hat. Wenn es darum geht, „Welche Bank gibt Kredit trotz negativer Schufa?“, liefert Bon-Kredit prompt ab. Im Gegensatz zu Smava kann der Anbieter auch Kredite ganz ohne Schufa Abfrage anbieten.

Denn der Anbieter arbeitet mit allen namhaften deutschen Banken zusammen und einigen ausländischen Banken zusammen. Hervorzuheben sind hierbei die Partnerschaften von Bon-Kredit mit der DSL Bank* and the Targobank*. Because these banks can often approve a loan despite negative Schufa.

Bon-Kredit Webseite
Bon-Kredit website - www.Bon-Kredit.de*

In rare cases, Bon-Kredit also offers the Credit without Schufa the Sigma-Kreditbank an. However, the provider regularly manages to replace the expensive loan with a cheaper alternative.

The request via Bon-Kredit has the advantage, that a credit professional helps you to send the best prepared documents to the appropriate banks. In this way, Bon-Kredit can pre-check your account statements and help you with any problems that may arise, such as return debits advise. Bon-Kredit also advises whether co-applicant become necessary for the loan amount.

  • Best Provider for the credit despite Schufa
  • 7,500 euros for a Swiss loan without Schufa, up to 300,000 euros for a regular bank loan
  • Meine 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 poor credit rating and 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 €

Wie seriös ist Bon-Kredit? – Ich teste den Anbieter auf Herz und Nieren

1/1✅ without preliminary costs
2/2 good accessibility: Customer service is available from Monday to Friday from 08.00 to 18.00 on 0800/7244501 free of charge (and without any problems!). Furthermore, you can send Bon-Kredit a message via WhatsApp, Facebook, Instagram or email around the clock.
3/3 None Credit and Insolvency advice from a single source.
3/4❌ Whether Additional products purchased (e.g. residual debt insurance, credit card) Influences lending not. Nevertheless, additional products are aggressively advertised in the application section. Residual debt insurance and credit cards should be excluded from reputable credit providers not be advertised as a combination product, as they accelerate over-indebtedness.
4/5 None Sending the documents with expensive Cash on delivery letters.
4/6Misleading advertising: After submitting the Bon-Kredit application form, you receive a warning that you should not inquire with other credit providers until you have received feedback from Bon-Kredit. This note is outdated and incorrect. If you request loans from other credit providers in parallel, your Schufa score will not be affected, as the bank is obliged to make a neutral request for terms and conditions. There are no irritations or similar.


Only one offer: Bon-Kredit only sends you a specific credit offer. This means that you cannot check for yourself whether another loan offer would have appealed to you more. Smava, on the other hand, sends you all the credit offers that the provider has found. Thus you have with Smava* a better way to compare the conditions. 
Bon-Kredit - How reputable is the provider really?

Bon-Kredit add-on products are heavily advertised. Konto-Kredit-Vergleich.der recommends to reject these

In the application section, Bon-Kredit advertises the Advanzia Fee Free Credit Card* which you can conclude in addition to the credit application. With this free credit card you can further increase your credit limit. However, Konto-Kredit-Vergleich.de advises against combination products such as this credit card, so as not to unnecessarily accelerate over-indebtedness.

Bon-Kredit Kreditkarte
Bon-Kredit credit card: If you did not want to have a credit card, deselect "brave" - Because this will incur additional costs

In the application section, Bon-Kredit also advertises an insurance policy that covers loan installments in the event of death or illness. This incurs additional costs for the borrower, which are not disclosed. Taking out this insurance is therefore not recommended. Most credit insurance policies are so expensive anyway that it is almost never worth taking out. Serious studies by Finanztip confirm this.

Bon-Kredit Restschuldversicherung: Nicht empfehlenswert
Bon-Kredit residual debt insurance: Not recommended
Confirm boldly here, that you bear the risk all alone. Ignore the warnings not to buy overpriced insurance

Misleading information in the confirmation from Bon-Kredit

After submitting the Bon-Kredit application form, you receive a warning that you should not inquire with other credit providers until you have received feedback from Bon-Kredit. 

This note is outdated and incorrect. If you request loans from other credit providers in parallel, your Schufa score will not be affected, as the bank is obliged to make a neutral condition request. Irritations and blocking periods do not exist.

Misleading information in the confirmation from Bon-Kredit
Schufa Konditionenanfrage
Schufa condition request does not affect SCHUFA score. Source: Schufa-FAQ for individuals

It also remains unclear why inquiring with multiple vendors, should delay approval. Indeed, on the official site of Schufa is highlighted that a request for credit conditions the SCHUFA score is not affected. Accordingly, there should be neither delays nor irritations if you do not heed the advice of Bon-Kredit, and at other providers Comparison offers catch up.

Bon credit advantages and disadvantages

advantages
Fast payout in 48 hours
In addition, a real "credit without" can be brokered. Alternatively, other banks are waiting in the wings.
Without upfront costs: Request possible without cost risk
No cash on delivery, no home visits or other meshes
Customer service responds fast and is knowledgeable
Case-by-case examinationYour details will be checked by a customer service representative before the application is sent to the bank.
Disadvantages
advertising for additional insurance and Credit card
It is tried to prevent customers from further inquiries to hold at other providers
No immediate result after entering the data (this can also be interpreted positively, since instant results are sometimes based on faulty software )
No choice from several offers

Bon-Kredit: My verdict

bon credit* is an extremely fast responding and experienced credit intermediary for loans without Schufa and loans despite the negative Schufa record. The provider is connected to all major banks that provide loans despite negative Schufa.

Therefore, Bon-Kredit - more often than other providers - can still grant loans despite negative Schufa. The probability of award at Bon-Kredit is 40 to 60 percent. well above the average. Only the transparency leaves something to be desired at Bon-Kredit (e.g. no co-determination in the selection of the bank).

Nevertheless, it is one of the most experienced credit providers for loans despite negative Schufa and an inquiry is - without any upfront costs - completely without risk for you.

#2 Smava

Also Smava* ist ein Kreditvermittler, der dir bei der Beantwortung der Frage„Welche Bank gibt Kredit trotz negativer Schufa?“, maßgeschneiderte Angebote zukommen lassen kann. Der Anbieter hat noch ein Ass im Ärmel, da er ebenfalls Kredite von privat an Personen mit schlechter Bonität vergeben kann.

Der Anbieter arbeitet mit allen namhaften deutschen Banken zusammen. Dabei hervorzuheben sind die Partnerschaften mit der der DSL Bank and the Targobank*, as also offered by Bon-Kredit.

Smava Webseite
Smava website - www.Smava.de*

Unlike Bon-Kredit, however, Smava has no cooperation with the best-known Swiss credit provider - the Sigma-Kreditbank. Unlike providers such as Bon-Kredit, Maxda or Credimaxx, Smava instead offers people with poor credit ratings a loan from private from. This is positive, because loans from private lenders are almost always cheaper than the counterpart of Sigma Bank.

The request via Smava has the advantage, that a loan professional will help you to send the best prepared documents to the corresponding banks. Your contact person at Smava usually takes care of all matters concerning the loan and is available to you by mail or phone if you have questions or problems.

  • Credit generalist of the borrows money up to 120,000 euros
  • Term from 12 to 120 months!
  • Meine Daten zeigen: Hier bekommt man wirklich einen Kredit trotz negativer Schufa!
  • Credit without upfront costs on favorable terms
  • Debt rescheduling of previous loans to a cheaper loan possible
  • minimum income: 601 €

Wie seriös ist Smava? – Ich teste den Anbieter auf Herz und Nieren

1/1✅ without preliminary costs
2/2 good accessibility: Customer service is available free of charge (and hassle-free!) Monday through Friday 8:00 am - 8:00 pm and Sat. 10:00 am - 3:00 pm at. 0800 000 98 00reachable. Furthermore, you can send Smava a mail around the clock to info@smava.de.
3/3 None Credit and Insolvency advice from a single source.
3/4Additional products like insurance policies are advertised in the application section. Although it is not necessary to take out a policy, the customer is encouraged to take out these combination products. Konto-Kredit-Vergleich.de advises against credit insurance, because its effectiveness is highly controversial among experts.
Smava also had a negative impact on the many Emails and SMS on. I received 8 emails in one week after my request. In addition, you often receive emails after you have already taken out a loan.
4/5 None Sending the documents with expensive Cash on delivery letters.
5/6 Easy comparison through multiple offers: After submitting the Smava application form, you will receive several loan offers for comparison. So you can check for yourself which loan offer has the best conditions.

If you find a cheaper offer elsewhere, you can use the Smava Cheaper does not go Guarantee in claim. In most cases, you can be reimbursed for the difference.
Smava experiences - How serious is the provider really?

Smava advantages and disadvantages

advantages
Fast payout in 24 hours
Immediate announcement of the credit conditions through fully digital application route
Real Choice from several offers even with negative Schufa entries or poor credit rating.
No cash on delivery, no home visits or other meshes
Customer service responds fast and is knowledgeable
without upfront costs: Request possible without cost risk
Disadvantages
No real "credit without" possible
Intrusive advertising and some follow-up emails that can be annoying (but unsubscribable)

Smava: My verdict

Smava is cheap, fast, and gives loans with bad credit. Thus, Smava has many advantages. Only the emails are annoying.

In summary, Smava is a reputable platform for brokering loans despite negative Schufa. Zudem unterhält Smava Kooperationen mit Banken, die eine Kreditvergabe auch bei schlechter Bonität ermöglichen. Hierzu zählen die Commerzbank, die DSL Bank, die Targobank und einige weitere.

If it is not possible to obtain a loan from these banks, an automatic Credit from private requested. The additional loans from private individuals are a major advantage of the Smava platform to enable loans with poor credit ratings. This is because Smava positions itself as an Auxmoney alternative.

Loans without Schufa, Smava grants in contrast to the Sigma Bank* although not, however, through the existing cooperations there are some opportunities to obtain loans despite poor Schufa.

At the same time you should Working method of Smava in credit mediation and know the associated trade-off. Because Smava offers excellent terms for people with credit needs and poor credit rating.

The price you pay for this is your data. Because you have to allow the provider, you by e-mail, SMS and phone to contact you.

Many appreciate this All-round servicebut it also annoys some people and you can therefore find countless testimonials in which "Hands off Smava"and similar. If you get involved with Smava, you should therefore be aware of the Trade-off good interest conditions against your data be known.

If you don't want to get involved with this, you can alternatively submit a request to Auxiliary*. Thus you bypass the Smava portal and still have a very realistic chance to get a loan despite negative SCHUFA entry to obtain.

#3 Vexcash

Vexcash* ist auf Kredite bis 3.000 € spezialisiert. Wenn du nur geringen Bedarf an Kredit hast, und auf die Sofortauszahlung verzichten kannst (da teuer) ist Vexcash ein empfehlenswerter Anbieter, wenn es um die Frage „Welche Bank gibt Kredit trotz negativer Schufa?“ geht.

Vexcash arbeitet mit der SWK Bank zusammen. Der Anbieter führt die Bonitätsbewertung durch. Die Auszahlung erfolgt dann aber ausschließlich über die SWK Bank. Dabei hat der Anbieter sich auf kleine Darlehen bis 3.000 € und Laufzeiten von 1 bis 6 Monaten spezialisiert. Ohne Smart-Package sind die Vexcash loans affordable and in the application moreover Extremely uncomplicated. You can make the request as well as the identification completely through the smartphone.

Vexcash Webseite
Vexcash website - www.Vexcash.de*

But even if you're in a hurry, the Vexcash loan with Smart Package is Guaranteed to be in your account in under 24 hours. Unfortunately, the provider charges additional fees for this, which are displayed on the left side of the screen (after you have selected the Request*).

  • 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 €

How reputable is Vexcash?

1/1✅ without preliminary costs
1/2Poor customer service: The customer service of Vexcash is not well accessible. Neither by phone nor by e-mail. Many Vexcash customers are very frustrated about this. In addition, the office hours are very limited. Thus, the employees of Vexcash can only be reached from 9-16 clock on weekdays.
2/3 None Credit and Insolvency advice from a single source.
3/4ExpensiveThe Smart Option at Vexcash is too expensive. But if you do not take it, you have to wait up to 10 days for the payout. Customers report that even after 10 days, the loan was not always paid out without problems. Instead, the customer service puts you off until later, since "many customers are currently asking for a payout.
Vexcash should urgently improve this and ensure a fast payout even without Smart Option.
4/5 None Sending the documents with expensive Cash on delivery letters.
4/6 Offer conditions known from the beginning.
Vexcash - How serious is the provider really?

High fees at Vexcash

In the credit application section at Vexcash, the expensive Smart package is preselected by default. However, with fees of over €200 for a mini loan of €1,000, it is clearly too expensive. The actual 1.000 € credit cost only €23 in interest, which is definitely a good offer.

Vexcash Smart Package: Automatically selected and overpriced
Vexcash Smart Package: Automatically selected and overpriced

Here you can find the fees of the Vexcash loan enlarged again. While the regular loan via SWK-Bank only costs €23.26, Vexcash charges an additional €207 for the express payout via the Smart Package option. Therefore, it is recommended to refrain from express payout if possible.

Vexcash Smart Package Gebühren SWK Bank Vexcash
Vexcash Smart Package: SWK Bank's acceptable fees and Vexcash's additional fees for fast processing.

Vexcash advantages and disadvantages

advantages
Fast payout in 24 hours or less
The credit is despite negative Schufa entries paid out.
Simple and total uncomplicated application
Credit decision within a few seconds
Favorable interest rates (approx. 5.83 € per 500 € and 30 days)
without predefined purpose
Without printer; Without going to bank and post office
Application 100 % digital on smartphone or PC
Advantages Vexcash credit despite Schufa
Disadvantages
Credit limited to 1.000 € - 3.000 € (Existing customers: € 3,000; new customers: € 1,000)
The optionally bookable Smart package, which includes the express payout is expensive
Terms cannot be freely chosen and are often too briefly
express payout only against surcharge; Otherwise waiting time of about a week
Disadvantages Vexcash credit despite Schufa

#4 Auxiliary

Auxiliary* ist ein Kreditmarktplatz von Privatpersonen für Privatpersonen. Auch wenn es sich um keine Bank im eigentlichen Sinn handelt, solltest du den Kreditmarktplatz bei der Frage „Welche Bank gibt Kredit trotz negativer Schufa?“ aufgrund seiner guten Konditionen und des positiven Urteils der Stiftung Warentest in Erwägung ziehen.

Auxiliary ist eine der ältesten deutschen P2P Plattformen und damit insbesondere ein Konkurrent zu Smava, welcher eine ähnliche Plattform betreibt. Dabei hat Auxmoney eine moderne Plattform zur Vermittlung von Krediten von privat. The platform of Auxmoney is often significantly cheaper than Loans without Schufa from Switzerland and thus a real alternative when the probing question "Which bank gives a loan despite negative Schufa?" is in the room.

Auxiliary
Auxmoney website - www.auxmoney.de*
  • credit from individuals
  • Credit until 50.000 Euro
  • 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: Discreet loan financing by private investors
  • Credit without upfront costs!
  • minimum income: 1.000 €

Wie seriös ist Auxmoney? – Ich teste den Anbieter auf Herz und Nieren

1/1✅ without preliminary costs
2/2 Good customer service: The customer service of Auxmoney is easy to reach. You can reach the provider Monday through Friday from 8 a.m. to 6 p.m. by phone at 0211 737 100 020
3/3 None Credit and Insolvency advice from a single source.
4/4 CheapAuxmoney is a very cheap option to get a loan, especially for self-employed people. Alternative bank loans have up to twice as high reference interest rates than Auxmoney - provided that the loan is granted at all. Auxmoney is therefore definitely worth a try, especially for the self-employed.
5/5 None Sending the documents with expensive Cash on delivery letters.
6/6 The offer conditions of Auxmoney are fair. There are no aggressive upselling attempts by insurance companies or credit cards. Instead, the focus is on arranging the desired loan. That's how it should be!
Auxmoney- How serious is the provider really?

Auxmoney is "recommended" by the Stiftung Warentest (German consumer organization)

Also the Stiftung Warentest sees Auxmoney's online credit marketplace as an alternative for private individuals. Because in particular Self-employed and freelancers often have better chances of getting a loan at Auxmoney than at a bank.

Die Stiftung Warentest sagt dass die Kreditmarktplätze von Smava und Auxmoney einen Versuch wert sind
Stiftung Warentest recommends Self-employed to obtain an offer on the Auxmoney credit marketplace. Thus, Auxmoney is "worth a try."

Auxmoney advantages and disadvantages

advantages
Disbursement in few days
Optimally suited for self-employed, which have already been rejected by banks.
The credit is despite negative Schufa entries paid out, because the Schufa score is secondary due to a separate score system
Simple and total uncomplicated application
Auxmoney has for loans despite Schufa very favorable interest rates
without predefined purpose
Good verdict from Stiftung Warentest
The provider is independent of other providers of credit despite Schufa and therefore well suited for a Comparison offer
Unscheduled repayments free of charge Possible at any time
Loan Additions are possible.
Advantages Auxmoney personal loan
Disadvantages
You must have an appealing Publish loan application on the platform, that investors are convinced to invest in your loan project.
One time Agency fee, which is influenced by credit term and credit rating
Guarantor or second borrower not possible
Disadvantages Auxmoney personal loan

#5 Sigma Kreditbank

the Sigma-Kreditbank* ist die einzige Bank, die einen ECHTEN Kredit ohne Schufa vergibt. Daher darf sie der Liste „Welche Bank gibt Kredit trotz negativer Schufa“natürlich auf keinen Fall fehlen. Die Bank aus Liechtenstein verlangt für den Kredit ohne Schufa allerdings 11 Prozent Zinsen, was im Vergleich zu einem Installment loan from a German bank is much.

The Sigma loan is only expensive at first glance

But, who deals with the question "Which bank gives credit despite negative SCHUFA?" more deeply becomes humble. Because the offer is quite fair compared to other loans given to people with bad credit.

Moreover, Sigma-Kreditbank does not sell any frills in addition to the loan. Because fripperies are not needed by the Liechtensteiner and that is the positive news for credit seekers. Thus, the "minimalist loan" reduces the cost enormously.

Without insurance, without credit cards, without frippery

So you look for Insurances, express fees, Multi-rate options or additional credit cards in vain with the Sigma Kreditbank. The loan without Schufa is also comparatively minimalist: €3,500, €5,000 or €7,500 spread over 40 installments. That's it.

The Sigma loan is optimal for permanent employees with at least € 1,400 net

Nevertheless, even the Sigma Schufa loan without Kreditbank is not granted entirely without checking creditworthiness. Each bank must ensure that it lends money only to creditworthy people. Thus, Sigma-Kreditbank does not check the Schufa (because the bank from Liechtenstein does not have access to it), but it takes a look at the debtor's record before granting credit.

if you a ongoing insolvency proceedings have a Wage garnishment or a Entry in the Central Enforcement Court is present, an award of Credit NOT possible.

Moreover, the credit without Schufa of Sigma-Kreditbank is granted only if you have a solid employment with a Net salary significantly above the garnishment exemption limit have. Thus, for the 3.500 € credit at least 1.400 € net necessary.

Not for self-employed

If you independent If you are a self-employed person, your chances of obtaining a loan from Sigma Bank are slim, even with a higher income. As a self-employed person, you have with a Auxmoney Loan* therefore have significantly better chances.

Allow for processing times of at least one week

From the request to the disbursement of the loan it takes 7-10 days at Sigma-Kreditbank. So plan for this time accordingly when you request a loan from Sigma-Kreditbank. If you do not have this time, loans from Vexcash* or Smava* more suitable, since instead they can be paid out already within 24 hours.

  • 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 wishes
  • 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:
    • ~1.400 € for the 3.500 € credit
    • ~1,600 € for the 5,000 € loan
    • ~1,800 € for the 7,500 € loan

Wie seriös ist die Sigma-Kreditbank? – Ich teste den Anbieter auf Herz und Nieren

1/1✅ real "credit without Schufa "without any upfront costs.
1/2Customer service only via Liechtenstein number can be reached: Monday to Friday, between 09:00 and 11:30 and in the afternoon between 13:00 and 16:00 at. 00423 239 03 39
2/3 None Credit and Insolvency advice from a single source.
2/4 Expensive: Sigma Kreditbank interest rates are above 10 % and thus at the upper end
3/5 None Sending the documents with expensive Cash on delivery letters.
4/6 The offer conditions of the Sigma-Kreditbank are expensive but fair. There are no aggressive upselling attempts by insurance companies or credit cards. Instead, the focus is on the desired credit.
Sigma Kreditbank - How reputable is the provider really?

Sigma-Kreditbank advantages and disadvantages

advantages
Only real "credit without"
without upfront costs: Request possible without cost risk
No cash on delivery, no home visits or any other scams
Fair: No expensive additional products like insurances or other unnecessary frippery
Sigma-Kreditbank Advantages
Disadvantages
Payout takes 7 - 10 days
Solid employment necessary; Not suitable for self-employed;
High interest
Customer service of the bank only via Liechtenstein phone number calculable
Sigma-Kreditbank Disadvantages

#6 Creditolo

Creditolo* ist ein weiterer Kreditvermittler aus Halle an der Saale, der den Kredit ohne Schufa der Sigma-Kreditbank anbietet. Die Konditionen des schufafreien Kredits sind daher identisch, aber dennoch hat creditolo einen Platz bei der Frage „Welche Bank gibt Kredit trotz negativer Schufa?“ verdient.

Zusätzlich verfügt creditolo aber über Anbindungen zu weiteren Banken die Kredite trotz schlechtem Schufa Score (nicht ohne Schufa) noch vergeben können. Hier sind insbesondere die Anbindungen von creditolo an die Targobank sowie die SWK Bank zu nennen.

Creditolo Webseite
Creditolo website - www.creditolo.de*

As with other credit brokers, the advantage of the intermediary with Creditolo is that a suitable offer for your creditworthiness can be found more quickly. This does not result in any extra costs for you as a customer. The provider is financed solely by commissions from the banks. Since the banks save a lot of internal effort with faulty loan agreements by using credit intermediaries, the business with intermediaries like Creditolo is worthwhile for all sides.

  • 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!
  • 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 €

Wie seriös ist Creditolo? – Mein Rating

1/1✅ real "credit without Schufa "without any upfront costs. the Sigma Kreditbank
2/2 Customer service via (0345) 470 40 90 at local rates.
3/3 None Credit and Insolvency advice from a single source.
3/4 Expensive: The interest rates of Creditolo are above 10 % and thus at the upper end
4/5 None Sending the documents with expensive Cash on delivery letters.
5/6 The offer conditions of Creditolo are expensive but fair. There are no aggressive upselling attempts by insurance companies or credit cards. Instead, the focus is on the desired credit.
Creditolo - How reputable is the provider really?

Creditolo advantages and disadvantages

advantages
Disbursement in few days
The credit is despite negative Schufa entries paid out
Simple and total uncomplicated application
Customer consultants are all qualified bankers and thus "credit professionals
Permanent contactwho will take care of your concerns.
without predefined purpose
No insurances and No credit cards in the application section - creditolo is all about your loan request!
Advantages Creditolo
Disadvantages
No self-employed; Only permanent employees outside probationary period
High interest
Priority is given to a loan without Schufa from Sigma Bank
Disadvantages Creditolo

#7 ferratum

ferratum* ist wie Vexcash ein Anbieter von Minikrediten bis 3.000 €. Wenn du mit der Frage „Welche Bank gibt Kredit trotz negativer Schufa?“ an den Anbieter herantrittst, wird er dir meistens direkt grünes Licht geben. Zwar wird eine Schufa Abfrage durchgeführt, aufgrund der kleinen Kreditbeträge wird Ferratum aber nur selten nein sagen. Für geringe Kreditbeträge verlangt der Anbieter noch nicht mal einen Einkommensnachweis. Nachteilig sind die hohen Kosten für die Mehr-Ratenoption und die Expressauszahlung anzuführen.

Ferratum Webseite
Ferratum website - www.ferratum.de*
  • 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 €

Wie seriös ist Ferratum? – Ich bewerte den Anbieter aus Malta wie folgt

1/1✅ Alternative without upfront costs to the "Credit without Schufa" of Sigma Kreditbank
2/2 Customer service via 0800 724235222 free of charge from Monday to Friday from 09:00 to 17:00.
3/3 None Credit and Insolvency advice from a single source.
3/4 ExpensiveThe interest rates of Ferratum are above 10 % and thus at the upper end. For loans over 600 €, the fees for the installment option and the Xpress payment are added, so that quickly fees of well over 100 € enstehen.
4/5 None Sending the documents with expensive Cash on delivery letters.
4/6 Without an express payout, you have to wait up to 2 weeks for the money. This does not seem fair, as customers are thus pressured into an express payout.
Ferratum - How serious is the provider really?

Transparent but expensive

At Ferratum, you can see all the costs directly. The costs of the Ferratum express loan are not exactly low with the multi-installment option and the fast X-Press payment, but the provider does not hide behind it.

Another negative aspect was that you have to wait up to 15 days for the money without the Xpress option. This is possible with the competitors cashper* and Vexcash* faster even without express option.

Already from 50 € credit

Ferratum is the only provider to offer mini loans loans from as little as €50. These small loans are granted after an automated check Without proof of income forgive.

Advantages and disadvantages Ferratum

advantages
Fast payout in 24 hours or less
The credit is despite negative Schufa entries paid out.
Simple and total uncomplicated application
Credit decision within a few seconds
Favorable interest rates (approx. 4,26 € per 500 € and 30 days)
without predefined purpose
Without printer; Without going to bank and post office
Application 100 % digital on smartphone or PC
Advantages Ferratum credit despite Schufa
Disadvantages
Credit limited to € 3,000
The optional acceleration fee, which includes the express payout is expensive
Terms cannot be freely chosen and are often too briefly
Increase the price of multi-rate options the credit further
Disadvantages Ferratum credit despite Schufa

#8 DSL Bank

the DSL Bank* hat sich auf installment loans and construction financing spezialisiert. Dabei sind weiche negativ Merkmale wie ein laufendes Inkassoverfahren bei einem Online-Shop oder als erledigt gekennzeichnete Merkmale kein Problem bei der DSL Bank. Bei härteren Negativmerkmalen, Zahlungsstörungen bei bestehenden Krediten, oder bei mehr als drei bestehenden Ratenkrediten wird eine Finanzierung über die DSL Bank aber schwierig und du musst mit einer Ablehnung der Bank rechnen.

Aufgrund der günstigen Konditionen der DSL Bank solltest du mit einer Anfrage bei der DSL aber nicht hadern. Wenn du eine Antwort auf die Frage „Welche Bank gibt Kredit trotz negativer Schufa“ suchst, heißt es bei der DSL Bank sowohl für Ratenkredite als auch für Baufinanzierungen nicht immer nein.

Die Zinsen sind etwas höher bei der DSL Bank, aber immer noch im Rahmen. Zudem kannst du bei der DSL Bank nur größere Beträge leihen. Kleine Kredite sucht man hier vergebens. Die Ratenkredite gehen ab 5.000 € los, die Baufinanzierung startet ab 40.000 € Kredit.

DSL Webseite
DSL Bank Website - www.DSLBank.de*
  • Installment loans from € 5,000 to € 50,000
  • Term from 48 to 120 months!
  • Construction financing from € 40,000 - very high sums (depending on creditworthiness)
  • Favorable interest rates
  • Allocation to persons, with poor creditworthiness and completed negative features in the Schufa.
  • minimum income: not known
Welche Bank gibt Kredit trotz negativer SCHUFA? - DSL Bank

To DSL installment loan despite negative Schufa:

To the provider:
DSLBank.com

To DSL construction financing despite negative Schufa:

To the provider:
DSLBank.com

Wie seriös ist die DSL Bank? – Ich bewerte die Bank wie folgt

1/1✅ Alternative without upfront costs to the "Credit without Schufa" of Sigma Kreditbank
2/2 Customer Service DSL Construction Financing: 0228 55002000, available Mon.-Thurs. from 8:00-18:00 and Fri. from 8:00-16:00
Customer service DSL personal loan : 02203 59936170, available Mon.-Thurs. from 8:00-18:00 and Fri. from 8:00-16:00 (costs depend on tariff)
3/3 None Credit and Insolvency advice from a single source.
4/4 CheapThe interest rates of the DSL banks are absolutely within the range.
5/5 None Sending the documents with expensive Cash on delivery letters.
6/6 Overall, the bank makes a reputable impression and is a good alternative for people with somewhat poorer credit ratings, as it is often still possible to obtain a loan.
DSL Bank - How reputable is the provider really?

#9 Maxda

Maxda* ist ein weiterer Anbieter von Krediten ohne Schufa. Bei der Suche „Welche Bank gibt Kredit trotz negativer Schufa?“ würde ich den Anbieter aber nur in zweiter Linie empfehlen. Maxda vergibt oft Versicherungen, obwohl diese überflüssig sind. Teilweise geht es sogar so weit, dass eine Versicherung abgeschlossen wird, ohne dass Geld für einen Kredit fließt.

maxda Webseite
maxda website - www.maxda.de*
  • 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 €

Wie seriös ist Maxda? – Ich bewerte den Kreditvermittler wie folgt

1/1✅ Mediation of a real "credit without Schufa". the Sigma credit bank*
2/2 Customer service via 06232-686363 Mon-Fri: 08:00 to 18:00 available at local rate
2/3 None Credit and Insolvency advice from a single source, but it happens that insurance is imposed on customers.
2/4 ExpensiveMaxda's interest rates are at the upper end, and insurance is often added.
3/5 None Sending the documents with expensive Cash on delivery letters.
4/6 The offer conditions of Maxda are expensive. The main negative aspect was that loan brokerage is only one of several mainstays and does not seem to be the focus. Instead, Maxda offers the Conclusion of insurance policies without which a credit is paid out.
Maxda- How serious is the provider really? - bon credit* appears to be the better choice

Advantages and disadvantages Maxda

advantages
The credit is despite negative Schufa entries paid out.
Credit decision in a few hours
without predefined purpose
None Lending and insolvency management from one source
Advantages Maxda credit despite Schufa
Disadvantages
Often a unnecessary insurance concluded, for which the provider receives a commission
Interest expensive
Payout is faster with other providers
Disadvantages Maxda credit despite Schufa

#10 credimaxx

credimaxx* ist ein weiterer Anbieter von Krediten ohne Schufa. Bei der Suche „Welche Bank gibt Kredit trotz negativer Schufa?“ ist der Anbieter zwar eine Empfehlung wert, aber letzten Endes, wirst du hier auch keine anderen Kredite als bei bon credit* erhalten.

credimaxx Webseite
credimaxx website - www.credimaxx.de*
  • 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 €

Wie seriös ist Credimaxx? – Ich bewerte den Kreditvermittler wie folgt

1/1✅ Mediation of a real "credit without Schufa". the Sigma Kreditbank
2/2 Customer service via 0337029797 available at local rate
3/3 None Credit and Insolvency advice from a single source.
3/4 Price okThe costs of Credimaxx are within the usual range. Insurance is often waived.
4/5 None Sending the documents with expensive Cash on delivery letters.
5/6 The offer conditions of credimaxx are fair. On the negative side:
that you do not receive several offers at the same time, but only one at a time. Smava* shows how to do it better.
❌ In the confirmation email, one receives a cloistered warning that one should not inquire with other credit providers before receiving a response from Credimaxx. This reference is misleading. If you request loans from other credit providers in parallel, your Schufa score will not be affected, as the bank is obliged to make a neutral request for terms and conditions. There are no irritations or similar.
Credimaxx- How serious is the provider really?

This is a screenshot from the Credimaxx confirmation email after the loan request. The fact that the provider tries to discourage borrowers from requesting from other portals is not entirely serious. After all, a multiple request does not lead to a deterioration of the Schufa score.

Credimaxx Kredit trotz Schufa: Die Warnung ist nicht seriös
Credimaxx warning not serious - multiple requests are completely uncritical and even recommended to be able to compare offers.

Well liked alsoUnlike almost all other providers, Credimaxx does not require an IBAN to submit the credit application. The provider allows you to keep your IBAN private for the time being until the credit check is completed. This is very positive from a data protection point of view.

Credimaxx does not directly require an IBAN for the credit comparison.
Credimaxx does not directly require an IBAN for the credit comparison.

Advantages and disadvantages Credimaxx

advantages
Fast payout in 7 days
The credit is despite negative Schufa entries paid out.
Simple and total uncomplicated application
Credit decision in a few hours
without predefined purpose
None Lending and insolvency management from one source
Advantages Credimaxx credit despite Schufa
Disadvantages
High interest rates, since probably often the Sigma credit is mediated
Disadvantages Credimaxx credit despite Schufa

#11 Cashper

cashper* ist wie Vexcash oder Ferratum ein Anbieter von Minikrediten. Allerdings hat Cashper etwas niedrigere Gebühren als die beiden erstgenannten und ist daher eine unbedingte Empfehlung für kleinen Kreditbedarf bis 1.500 €. Wenn du mit der Frage „Welche Bank gibt Kredit trotz negativer Schufa?“ auf Cashper zugehst, ist ein Kreditangebot von Cashper oft wahrscheinlich. Besonders gut gefällt an Cashper, dass viele Kredite zinsfrei an Erstkunden vergeben werden. Wenn du keine Extras hinzubuchst, ist Cashper dadurch eine gute Möglichkeit günstig, schnell und unkompliziert an Geld zu kommen.

cashper Webseite
cashper website - www.cashper.de*
  • The provider makes a Schufa request, but also grants a loan if the credit rating is moderate
  • Interest-free loan promotions again and again
  • Credit without upfront costs!
  • minimum income: 700 €

Wie seriös ist Cashper? – Ich bewerte den Minikreditanbieter wie folgt

1/1✅ without preliminary costs
2/2 Friendly Customer Service: The customer service is considered friendly on Truspilot, Finanzfluss and eKomi and can be reached from Monday to Friday between 09:00 and 17:30 under the phone number 069-12006650
3/3 None Credit and Insolvency advice from a single source.
3/4ExpensiveThe additional services 2 installments and Super Deal (for an express payout the next day) are too expensive at Cashper. But if you don't take the Super Deal, you have to wait up to 10 days for the payout.
4/5 None Sending the documents with expensive Cash on delivery letters.
5/6 Offer conditions known from the beginning.
Vexcash - How serious is the provider really?

Cashper advantages and disadvantages

advantages
Fast payout in 24 hours or less
The credit is despite negative Schufa entries paid out.
Simple and total uncomplicated application
Credit decision within a few seconds
Favorable provider: 0% interest rates are often possible
Fees for Multi-rate option and express payout cheaper than with Vexcash or Ferratum
without predefined purpose
Without printer; Without going to bank and post office
Application 100 % digital on smartphone or PC
Advantages Cashper credit despite Schufa
Disadvantages
Credit limited to 1.500 € - 3.000 €
Terms cannot be freely chosen and are often too briefly
express payout only against surcharge; Otherwise waiting time of about a week
Disadvantages Cashper credit despite Schufa

#12 Mistake - Rabobank

  • Rabobank awards in Germany no credit without Schufa or to private individuals despite negative Schufa.
  • Rabobank is a Dutch cooperative bank
  • The bank is mistakenly associated with loans without Schufa.
  • 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 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.

#13: Which bank gives credit despite negative SCHUFA? - Other banks and credit intermediaries

With other providers not listed here and with Loans without Schufa often caution is advisable. Because with loans that are granted even with negative Schufa, many black sheep are among the providers.

If you don't want to use one of the providers recommended here, but have an alternative offer, you should use these Warnings check whether the loan provider is reputable. This ensures that you don't end up falling victim to fraud or simply paying too many fees for unnecessary insurance and other "goodies".

The topic of seriousness is discussed in the article "Credit without Schufa: Serious?" treated more profoundly. Du solltest diesen Artikel unbedingt berücksichtigen, wenn du einen Kredit ohne Schufa außerhalb meiner Anbieterliste abschließen möchtest.

The most important thing in the question "What bank gives a loan despite negative Schufa?"

If the house bank gives you no credit due to negative Schufa exists, can bon credit*, Smava* and other providers from the list at the beginning of the article often nevertheless a Credit despite negative credit bureau awarded. This is due to other evaluation criteria of the banks, of which the Schufa score is often only one feature (which, however, is often checked first).

Therefore, the rejection of the loan at a bank may be related to the bad Schufa rating, but it does not have to. Now before you worry your head about the question "Which bank gives credit despite negative SCHUFA?"If you're not sure why you're being rejected, here's some important information that will help you find out why you're being rejected and maybe even counteract it in the future.

Important information about the credit despite Schufa

  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. When „erledigt“ markierte Schufa Einträge sind bei vielen Banken unkritisch und der Kredit wird dann oft noch bewilligt.
  4. The Bank's credit rating is based on your income, expenses, the amount of the loan and the available collateral.
  5. A negative Schufa entry or a negative poor Schufa rating represents a risk for the lender which he is rarely prepared to enter into.
  6. If you due to negative Schufa no credit at your house bank the banks presented here can often help you out.
  7. the Interest charges are with a loan without and despite negative Schufa, however. higher:
    1. Thus, reputable providers charge for a Credit despite negative Schufa between 5 and 11 % interest.
    2. In comparison installment loans in 2022, on the other hand, at an average of only about 6 % interest rates (source: Deutsche Bundesbank).
  8. 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

Rejection of the loan due to insufficient income is also common

When it comes to income, there are often the following obstacles to getting a loan. If one of them applies, this could also explain a rejection of the loan:

  1. The income is too low (below 1.300 € or less than 1/10th of the loan amount)
  2. The income is not from permanent employment (fixed-term employment contract or self-employed)

Banks that lend to people despite small incomes are: Commerzbank (14x monthly net as credit amount), SKG Bank (19x monthly net) or the targo bank (20x monthly net).

A loan is rejected on the part of many banks, however, if:

  1. the age of the credit seeker is under 18, or over 70 years old
  2. there were delinquencies on previous loans
  3. there is no or too little collateral for the loan
  4. on the submitted Contact pullout ist zu erkennen, dass der Dispo-Rahmen überschritten wurde.

Everything important to the question "Which bank gives credit despite negative Schufa?" as a video


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Welche Bank gibt Kredit trotz negativer Schufa und Hartz 4?

Wenn Hartz 4 Empfänger einen Kredit trotz negativer Schufa beantragen möchten, sollten sie folgendes wissen:

  • A Credit despite Hartz 4 kannst du beim Jobcenter beantragen
  • Das Jobcenter vergibt den Kredit ohne Zinsen, wenn ein „unabweisbarer Bedarf“ vorliegt.
  • Als Empfänger von Sozialhilfe wirst du von Banken abgewiesen, wenn der Kreditvertrag nicht mit einem guarantors gemeinsam unterschrieben wird.
  • A Kredit trotz Schufa und Hartz 4 kannst du bei Vexcash* zu günstigen Konditionen beantragen, wenn du auf eine sofortige Auszahlung des Geldes verzichtest.
  • Ohne Einkommensnachweise kannst du alternativ einen Minikredit bis zu 1.000 Euro und 60 Tagen Laufzeit bei ferratum* beantragen.
Kredit-Empfehlung für Hartz 4 Empfänger mit negativer Schufa:
Empfohlen bei Hartz 4: Vexcash Minikredit

Kredit trotz negativer Schufa und Hartz 4


✓ Kredit trotz negativer Schufa für Hartz 4 Bezieher
✓ Günstigster und schnellster Anbieter für einen Kredit trotz negativer Schufa und Hartz 4
✓ 100 € - 3.000 € für 30,60 oder 90 Tage leihen



3,8 Sterne bei Trustpilot aus über 33 Bewertungen


To the provider:
Vexcash.com



Als Hartz 4 Bezieher ist es oft besonders schwer einen Kredit zu bekommen. Insbesondere in Verbindung mit einem negativen Schufa-Eintrag. Aufgrund der geforderten Mindesteinkommen ist ein Kredit trotz negativer Schufa und Hartz 4 nur bei Vexcash* or ferratum* denkbar.

Kredit trotz Schufa und Hatz 4 über das Jobcenter

Eine weitere Kredit-Alternative die Hartz 4 Beziehern auch bei negativer Schufa offensteht, ist es einen kurzfristigen Kredit über das Jobcenter zu beantragen. Hierbei musst du dem Jobcenter allerdings darlegen, warum du einen „unabweisbaren Bedarf“ für den Kredit hast.

Der Jobcenter Kredit ist durch den zusätzlichen Papierkram aufwendiger in der Beantragung. Im Gegensatz zu den Minikrediten kannst du den Jobcenter Kredit auch nicht frei nach deinen Wünschen verwenden. Dafür ist der Jobcenter Kredit aber vollständig kostenlos. Somit sparst du dir beim Kredit vom Jobcenter die Zinsen und eventuell weitere Gebühren, die beim Minikredit anfallen.

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

  1. Avoid unnecessary costs for loans without Schufa and ask instead at specialized providers such as bon credit* or Smava* who also provide people with a negative Schufa with loans on acceptable terms.
  2. Reputable financial institutions waive upfront costs or other fees in addition to the interest rate
  3. If you're unsure, ask and mention that you don't want extras like express payout or one residual debt insurance would like.

If you have a negative Schufa entry, you should get to the bottom of the cause. You can do this via Bonify* query your free of charge and unauthorized incorrect entries löschen lassen. Zu rechtmäßigen Negativ-Einträgen solltest du bestehende Forderungen bezahlen und Ordnung schaffen. Nur so kannst du deine Bonität verbessern und erhältst dann auch deutlich bessere Zinskonditionen über installment loan.

Have you received a credit rejection from your bank? This is often the starting point of the search for a bank that gives credit despite negative Schufa entries. You can get a loan despite numerous negative features. Whether the bank will give you your 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.

Infografik: Welche Bank gibt Kredit trotz negativer SCHUFA?

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*.

Bon-Kredit is particularly recommended for loans despite negative Schufa entries. In most cases, you get a better offer at Bon-Kredit than the expensive loan without Schufa of Sigma Bank.

It is recommended to first find out where the negative Schufa entry comes from

If you have a negative Schufa entry, however, you should get to the bottom of the cause. You can do this via Bonify* check your Schufa score for free and prevent unauthorized Incorrect entries have them deleted. In the case of legitimate negative entries, you should pay old reminders and put things in order. Only in this way can you improve your credit rating and then also obtain significantly better interest conditions via a installment loan or the 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 Bank to choose the car title as collateral accepted. Alternatively, see the post Car loan without Schufa also various banks and credit intermediaries such as bon credit*, which still grant the credit even in difficult cases. In addition, there are also some car dealers who finance your car even despite negative Schufa. You can find an overview in the article "Which car dealership finances despite negative credit bureau?” . Allerdings stellte ich im Beitrag Buy a car on installments despite negative credit bureau notice that you are with a loan bon credit* more favorably than with financing through the 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 cashper turn. Vexcash can do that Credit despite negative SCHUFA as the only provider in under an hour pay out. However, this is subject to an express surcharge of currently 39 euros. A mini loan without proof of income is available from Ferratum. If you can wait a few days and have an income of 700 euros, Cashper is the best choice for a loan despite negative SCHUFA. Cashper grants a loan despite negative SCHUFA and charges up to 600 euros no fees – provided you save on additional options.

Studie: Welche Bank gibt wirklich einen Kredit trotz negativer Schufa?

The best way to find a reputable bank where you really get a loan despite negative Schufa is to rely on data. As a credit comparison portal Konto-Kredit-Vergleich.de has numerous data from banks and credit providers negative Schufa.

From the diagram, which is taken from the post "Where can you really get a loan despite negative Schufa?", it can be inferred that bon credit* and Smava* are the best providers when it comes tot 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? - Acceptance rates of banks which grant loans despite negative Schufa in comparison
Where can you really get a loan despite negative Schufa? - Acceptance rates of banks that grant loans despite negative Schufa in comparison

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.

Making inquiries 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 will not affect your Schufa score as it is only a condition request.

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 specialized in difficult case loans to people with poor credit ratings for more than 40 years. Smava, on the other hand, can arrange a loan at favorable conditions for people with a moderate credit rating. With the Schufa-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 lends out Loans in less than 1 hour despite negative credit bureau 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.

info

Who is the Schufa?

The SCHUFA is actually called Protection association for general credit protection and is one credit reporting. A credit bureau is a company that provides the 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.

How do negative Schufa entries come about?

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 the calculated SCHUFA score worsens and is referred to as 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.

Why is this even important?

German banks are obliged to determine creditworthiness before granting a loan. For this purpose, banks usually use the SCHUFA score as an essential element. 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.

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. Wenn du zum Beispiel einen gerichtlichen Mahnbescheid nicht bezahlt hast, verschlechtert sich dein Score. Du hast dann einen 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. Eine Kreditvergabe bei negativem Schufa Eintrag kann durch weitere Merkmale erschwert werden. Hierzu zählen: Arbeitslosigkeit und Selbstständigkeit.

Which bank gives credit despite negative SCHUFA? - This is how it works without rejection

Die häufigsten Gründe für die Ablehnung von Krediten sind laut der Sparkasse zu geringes Einkommen and negative Schufa entries. Es gibt aber einige Möglichkeiten, wie eine Kreditvergabe trotz Schufa oft dennoch klappen kann. Hier sind die wichtigsten davon.

Dabei muss der Kredit trotz Schufa nicht unbedingt von einer Bank vergeben werden. Gerade bei negativer Schufa sind Kredite von Privat ein guter Ausweg.

1) Ein Kredit von Privatpersonen

At a credit from individuals wird die Bonität zwar geprüft, allerdings liegt es im Ermessen der privaten Geldgeber, ob die Finanzierung zustande kommt. Private Geldgeber haben im Gegensatz zu Banken kein starres Regelwerk und können daher auch bei negativen Schufa-Einträgen einen Kredit vergeben. Dadurch steigen natürlich die Zinsen bei Krediten von privat an. Der auch als P2P Lending designated Credit from private ist somit eine echte Alternative zum klassischen Bankkredit.

Durch einen Kredit von Privatpersonen kann Kreditbedarf auch über 1.000 Euro meist noch gedeckt werden. Du kannst einen Kredit von Privatpersonen über Smava* or Auxiliary* to graduate.

Was sind die Vor- und Nachteile von einem Kredit von privat?

advantages
Online Abschluss: Kredite von Privat können online ohne Gang zur Post abgeschlossen werden
Trotz Schufa Eintrag ist eine Kreditvergabe possible
Ohne Sicherheiten
Gute Lösung für self-employed und Personen in Probezeit
Disadvantages
Höhere Zinsen
Es ist nicht garantiert, dass das Kreditprojekt auf der P2P Plattform vollständig finanziert wird

2) Ein Kredit mit Bürgen

A guarantor haftet für den Kredit eines anderen. Das heißt, dass der Bürge die Kreditrate übernehmen muss, wenn der eigentliche Kreditnehmer die Rate nicht bezahlen kann. Für die Bank sinkt dadurch das Risiko eines Zahlungsausfalls. Es wird umso niedriger, je besser die Bonität des Bürgen ist. Viele Banken vergeben daher Kredite an Personen mit negativer Schufa, wenn ein bonitätsstarker Bürge mit an Board ist.

Bei einem Kredit mit Bürgen wird neben dem Kreditvertrag ein zusätzlicher Bürgschaftsvertrag aufgesetzt. Hierin wird der Umfang der Haftung des Bürgen beschrieben.

Der Kredit mit Bürgen ist ein einseitiges Geschäft, zum Vorteil der Bank und des Kreditantragstellers, der ohne Bürge keinen Kredit erhalten hätte. Der Bürge erhält für seine Unterschrift jedoch keine Gegenleistung. Er setzt sich durch seine Unterschrift lediglich einem finanziellen Risiko aus, dass die Bank auf ihn abgewälzt hat.

Es ist daher ratsam, dass der Bürge nicht durch rücksichtsloses Verhalten des Kreditnehmers enttäuscht wird. Ansonsten können lange Streitereien ausbrechen.

Ein Kredit mit Bürgen ergibt Sinn, wenn du heute eine große Investition für später tätigen willst, die du aktuell nicht bewilligt bekommst. Wenn du dir gleichzeitig sicher bist, dass sich deine finanziellen Verhältnisse in absehbarer Zukunft verbessern, ergibt es Sinn einen Bürgen hinzuzunehmen, damit der Kredit initial bewilligt wird.

Was sind die Vor- und Nachteile von einem Kredit mit Bürgen?

advantages
Trotz Schufa Eintrag ist eine Kreditvergabe bei vielen Banken möglich möglich
Günstige Zinskonditionen
Gute Lösung um große Investitionen vorzuziehen
Disadvantages
Es kann zum Streit mit dem Bürgen kommen bei Zahlungsproblemen
Bürge profitiert nicht von dem Vertrag, geht aber finanzielle Risiken ein

3) Ein Kredit mit Zweitantragsteller

A second applicant haftet für den Kredit ähnlich wie ein Bürge mit. Der Unterschied besteht darin, dass ein zweiter Antragssteller auch ein Anrecht auf die Kreditsumme hat. Der Bürge hat dieses Recht nicht, sondern übernimmt nur das Haftungsrisiko.

Ansonsten ist ein Kredit mit Zweitantragsteller ähnlich wie der Bürge eine Möglichkeit noch einen Kredit trotz negativer Schufa von einer Bank zu erhalten.

Beim Kredit mit Zweitantragsteller wird die Kreditrate von beiden Antragstellern übernommen. Wenn aber eine Person zahlungsunfähig wird, haftet die andere Person in voller Höhe für die Rate. Für die Bank sinkt dadurch das Risiko eines Zahlungsausfalls. Es wird umso niedriger, je besser die Bonität des Zweitantragstellers ist. Viele Banken vergeben daher Kredite an Personen mit negativer Schufa, wenn ein bonitätsstarker Zweitantragsteller mit an Board ist.

Der Zweitantragsteller wird direkt in den Kreditvertrag mit aufgenommen. Ein separater Bürgschaftsvertrag ist nicht erforderlich.

Auch beim Kredit zu zweit ist es ratsam, dass der Zweitantragsteller nicht durch rücksichtsloses Verhalten des Kreditnehmers enttäuscht wird. Ansonsten können lange Streitereien ausbrechen.

Ein Kredit mit Zweitantragsteller ist für Personen die im gemeinsamen Haushalt leben, gut geeignet für gemeinsame Anschaffungen. So ist der zweite Antragsteller gerade bei Baufinanzierungen weit verbreitet. Aber auch für das gemeinsam genutzte Familienauto ist ein Kredit mit Zweitantragsteller vorteilhaft.

Was sind die Vor- und Nachteile von einem Kredit mit Zweitantragsteller?

advantages
Trotz Schufa Eintrag ist eine Kreditvergabe bei vielen Banken möglich möglich
Günstige Zinskonditionen
Gute Lösung um Investitionen zu zweit zu stemmen
Of the Zweitantragsteller profitiert im Gegensatz zum Bürgen ebenfalls von dem Vertrag
Disadvantages
Es kann zum Streit mit dem Zweitantragsteller kommen bei Zahlungsproblemen

4) Sicherheiten für den Kredit

Aber auch Sicherheiten sind bei installment loans always a plus and often result in the loan being approved by the bank. It should security im Wert mindestens dem Wert des Kredits entsprechen.

Als Sicherheiten für Kredite können zum Beispiel Immobilien, Autos oder Lebensversicherungen verwendet werden. Während bei Immobilien eine Grundschuld im Grundbuch eingetragen wird, erfolgt beim Auto eine Delivery of the motor vehicle letter.

Die Hinterlegung des Kfz-Briefs bei der Bank macht einen späteren Verkauf allerdings schwierig, da der Brief erst ausgelöst werden muss. Wenn man mit der Bank und dem Käufer diesbezüglich spricht, lässt sich aber meistens eine Lösung finden.

Was sind die Vor- und Nachteile von einem Kredit mit Sicherheiten?

advantages
Trotz Schufa Eintrag ist eine Kreditvergabe bei vielen Banken möglich möglich
Günstige Zinskonditionen
Gute Lösung für einen car loan or one construction financing
Disadvantages
Der Verkauf ist schwierig, da die Sicherheit erst ausgelöst werden muss. Dies betrifft insbesondere den Autokredit.

Welche Bank gibt Kredit trotz negativer SCHUFA? – Kreditvergabe nach Schufa Score

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 on the 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 use these Overview to see which bank you can still get a loan from despite a negative Schufa or bad Schufa score. get.

Credit bureau bank score: 9.772-9.999Credit 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: 9.623-9.771Credit 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: 8.774-9.622Credit 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 - 8,773Credit 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: 1-8.005Credit 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.

Are you looking for a loan despite negative SCHUFA? - Learn how banks determine your creditworthiness!

Die Bonität wird von den Banken aus mehreren Variablen bestimmt. Hier sehen wir uns die einzelnen Faktoren an, die zur Berechnung deiner Bonität berücksichtigt werden.

1. Monatliches Einkommen

Aus dem notwendigen minimum income machen die Kreditgeber häufig ein großes Geheimnis. Zudem zieht jeder Kreditanbieter seine eigenen Anforderungen heran. Des Weiteren hängt das geforderte Mindesteinkommen auch von der Höhe des Kredits, Kreditlaufzeit, unterhaltspflichtigen Personen sowie dem SCHUFA-Score ab.

Hier ist das Mindesteinkommen bei Kreditanbietern aufgelistet:

Offererminimum income
Ferratum Bank*0,- € up to the credit amount of 1.500,- €
Vexcash*500,- €
Smava*601,- €
cashper*700,- €
Auxiliary*1.000,- €
Commerzbank1.000,- €
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 requirements for the minimum income is, here often even in difficult cases such as when receiving sick pay is a Credit despite sick pay still possible.

credit without income

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 income. In the article "Which bank gives credit for low income?" you will find some more options on how and where to get a loan despite 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.

2. Monatliche Ausgaben

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.

Mit einer schlechten Bonität kannst du ungefähr das 40-fache deines frei verfügbaren Einkommens an Kredit aufnehmen. Für einen Kredit über 8.000 € müsstest du also ungefähr 200 € im Monat übrig haben müssen.

With these tips you may succeed in improving your credit rating to obtain a loan.

3. SCHUFA-Auskunft

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? Falls hier etwas nicht mit rechten Dingen zugeht, kannst du Falscheinträge löschen lassen. So verbesserst du deinen Score. Nicht jeder Negativeintrag führt direkt zu einer Ablehnung des Kreditgesuchs. Wenn es sich um eine Kontokündigung handelt, ist eine Kreditvergabe oft dennoch möglich.

Auch wenn die Negativ-Einträge als „erledigt“ in der Schufa Akte stehen, steht dies einer Kreditvergabe oft nicht im Weg. Um die Schwere der Schufa Einträge zu unterscheiden, gibt es harte und weiche negative SCHUFA Einträge.

Hard negative SCHUFA entries are

  • check fraud
  • arrest warrant
  • False affirmation in lieu of an oath
  • 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 Schufa the Sigma Bank* be completed.

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.
  • Court order for payment
  • Initiation of collection procedures

These negative entries worsen your credit rating, but are usually not exclusion criteria for lending.

Advantages and disadvantages of the credit without Schufa

before you one Credit without When applying for entries, you should first try to get a regular loan with the existing Schufa entry. So one Credit despite Schufa entry.

For this you can use a guarantors insert, you Money from private Rent, collateral like a car (deposit car title at the bank) or a house (land charge) use.

In particular, a loan without Schufa has the major disadvantage of greatly increased costs. If you can have negative Schufa entries eliminated, this way is clearly preferable. You can do this by paying all court orders and then reporting the payment to Schufa.

advantages
Auch bei harten Negativeinträgen ist eine Kreditvergabe möglich
Kredit ohne Schufa werden von seriösen Anbietern wie bon credit* ohne Vorkosten vermittlelt
Ein Kredit ohne Schufa belastet keine Angehörigen, die als Bürge einspringen müssen
Disadvantages
Die Zinsen sind teuer
Es gibt unseriöse Anbieter, die versuchen Personen in Notlagen auszumelken und teure Hausbesuche durchführen oder Nachnahmesendungen schicken

Leiste Überzeugungsarbeit bei der Frage Welche Bank gibt Kredit trotz negativer SCHUFA?

Convince the bank with good payment practices

It is the business model of lenders to lend as much money as possible. After all, they earn money on every euro lent. Therefore, in principle, lenders have an interest in lending money. This is all the more true in times of low interest rates. If an offer is nevertheless rejected, it is probably due to an internal audit. The bank may suspect bad 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 there will be an additional payment of electricity-, gas or telephone costs 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 an error, you should take care of it as soon as possible. Pay old and still outstanding 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 negative 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 inquiries there are only submitted as condition inquiries, so that your Schufa score does not deteriorate as a result of the inquiry.

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.

Problem und Lösung unseriöser Anbieter beim Thema „Welche Bank gibt Kredit trotz negativer SCHUFA?“

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

Bei einem Kredit ohne SCHUFA solltest du vorsichtig sein. Auf meiner Seite erhalte ich täglich diverse Anfragen und Spam Beiträge von angeblichen Anbietern „seriöser“ schufafreier Kredite. Wenn du dich für einen Kredit ohne Berücksichtigung negativer SCHUFA Einträge interessierst, solltest du vorsichtig sein. Folgende Kriterien können dir dabei helfen, unseriöse Anbieter zu entlarven:

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: Weder bei Konto-Kredit-Vergleich.de noch bei meinen Partnern entstehen Vorabgebühren 👍

Expensive hotline

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

No expensive hotline: Du kannst meine Finanzierungspartner meistens über eine kostenlose Rufnummer oder zum ortstarif erreichen. Zudem kannst du mir eine 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: Weder ich noch meine Finanzierungspartner versuchen dir teure und unsinnige Zusatzprodukte zu verkaufen 👍

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: Alle Unterlagen erhältst du von meinen Finanzierungspartnern ganz bequem per E-Mail oder Post, selbstverständlich ohne Nachnahmegebühren! 👍

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 advertising via Facebook probably never pay out the promised money. If you have paid fees to the credit brokerage or advice in advance, you have little chance of getting your money back in court. It is therefore advisable to take a close look at credit providers beforehand.

More tips on how to serious loans without Schufa can be found in the linked article.

Voraussetzungen für Bankkredite

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:

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 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 SCHUFA entry?

Since you can not actually get past the SCHUFA or other credit agencies at German banks, there is no possibility to get a loan without SCHUFA at a German bank. With foreign banks it is different. The most common is the Swiss loan. Here the money comes from a Swiss or Liechtenstein bank and flows into your account without checking SCHUFA. The best known bank for loans without Schufa 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 Formular meines Partners 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 Formular meines Partners Smava 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.

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 e.g. B. the Ferratum Bank* and the providers Vexcash* or cashper*. Another alternative is to send a request via SMAVA* to deliver. Smava can grant you a loan despite a SCHUFA entry if it is not a loan hard negative Schufa 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 a request via SMAVA is that you will also be offered a regular loan if your SCHUFA is better than you thought. So you get a suitable loan - whether you have a negative SCHUFA entry or not! Start your Non-binding loan request despite SCHUFA entry via the button below.

Non-binding credit request
Smava.de

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 e.g. B. the Ferratum Bank* and the providers Vexcash* or cashper*. Another alternative would be to send a request via SMAVA*. For banks, a loan with a poor credit rating is an additional risk. Banks take this risk into account in their calculations: loans with a bad credit rating are often more expensive. The advantage of a request via SMAVA is that you will be offered a regular loan if your credit rating is better than you thought. More information on the topic "Which bank grants credit with bad credit?" you can find in the linked article.

What to do if you can no longer 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 to use your 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 report is a good place to start. You can the SCHUFA information apply for free. Here are 7 tips on what to do when you run out of credit.

7 Tips on what you can do if you run out of credit

  1. increase revenueIf you increase your income, you will improve your situation in the long term.
  2. Reduce expenses: It's the same when you cut 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 highFor every 100 euros of disposable income, between 4,400 and a maximum of 1,000 euros are possible. The loan should not be higher than 15 times the monthly net income.
  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 loan collateral to get a loan.
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't get credit anymore? 1) Increase income 2) Reduce expenses 3) Improve credit rating

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 guarantor and borrower is very important (for example: close relationship).

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. The disposable income is the money you have left over each month. This means that 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 his monthly net income of credit. So, at €1,000 net, you can get about €15,000 in credit, and at €2,000 net, you can get about €30,000 in credit.

Loan affordable from free income

3. Delete incorrect Schufa entries

With the Schufa report, the bank makes a prediction about your creditworthiness. However, the Schufa often has incorrect or old data. By law, you have the opportunity to obtain a free self-disclosure about Schufa once a year. Check all information and request deletion of incorrect information.

A prerequisite for the deletion is that the other party agrees. So if you still have an old invoice open, you should settle it as soon as possible. After the invoice has been paid, the entry will only disappear from the Schufa after 3 years.

Delete incorrect Schufa entries

4. Observe age limits and take appropriate precautions

At an advanced age, credit is restricted or difficult to obtain due to exceeded age limits. In the event of credit rejection at an advanced age, consideration should be given to 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. Thus, you can simplify your debt situation by providing honest information in the self-disclosure. In addition, newly restructured loans are usually cheaper.

Honest information

every 5 Instant tips when you can no longer get a loan, you can also find in the following infographic:

To get a loan despite negative Schufa, you can use a guarantor, borrow money from private, use collateral such as a car or a house or take out a loan without Schufa from Switzerland or Liechtenstein.

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 z. B. 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 to send a request via SMAVA*. For banks, a loan with a SCHUFA entry is an additional risk. Banks take this risk into account in their calculations: loans with a negative SCHUFA entry are often more expensive.

Creditworthiness is always checked

Even if banks that operate without Consideration of negative SCHUFA & grant loans despite negative Schufa query, banks have the legal obligation to check the creditworthiness of their customers. However, banks can make the credit check simple and overlook negative entries. However, the banks to compensate for this risk, 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.

Interest is only important for longer terms

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.

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.

Loan without proof of income - Which bank gives a loan without income despite negative Schufa?

If you receive wages or other income, you will find on 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.

Which bank grants lightning loans 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 in 30 min. on the account can be. The provider itself only talks about a payout on the same day, but this is often much faster, especially in the morning. 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 min. on the account (lightning credit with immediate disbursement) 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 a negative Schufa?

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 of 70 years has not been exceeded Smava* a loan can also be taken out for pensioners despite negative SCHUFA.

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 behandelt. Des Weiteren habe ich Informationen zusammengetragen, welche There are alternatives to the pensioner loanafter the application has been rejected.

Which bank gives a small loan despite negative SCHUFA?

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* → Lending despite negative SCHUFA Entries. Smava is suitable for amounts from 1.000 Euro!
  • ferratum* → Borrow up to EUR 1,000 without proof of income
  • Vexcash*→ Lightning loan in 30 min. possible! 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.

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!"

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 good credit offer despite negative SCHUFA entry is available at Cashper. 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 with Schufa or a similar credit agency such as Crif Bürgel, Creditreform or Infoscore together. In order to obtain a loan from a bank that does not cooperate with Schufa, you must go to Credit Bureau-free loans from Switzerland or Liechtenstein evade.

This Loan without Schufa can either be obtained directly from the Sigma Bank in Liechtenstein or from a credit intermediary such as 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.

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summary
Which bank gives credit despite negative SCHUFA?
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Which bank gives credit despite negative SCHUFA?
short description
With a negative Schufa, Bon-Kredit, Smava and other reputable providers can still grant a loan despite a negative Schufa. Note that a bad Schufa score is often accompanied by higher interest rates of 5 to 11 % p.a. and avoid an express payout or residual debt insurance.
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