Are you also part of the group of people who have been rejected by your local bank or a direct bank because of a Schufa record? I know this is frustrating and in this article I will help you in your search by investigating, 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 have provided more than half of all individuals who have Konto-Kredit-Vergleich.de have requested a credit offer at a fair interest and without additional costs submitted. For this purpose, I have conducted a test and published the results in the article "Where can you really get a loan despite negative Schufa?“ explained.
Credit recommendation with negative Schufa:
Very high chance of getting a loan despite negative Schufa
✓ Credit despite negative Schufa ✓ Fast commitment and payment in 48 hours ✓ Without upfront costs, without cash on delivery, without on-site visits and without insolvency "advice".
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. Because a poor Schufa score always goes hand in hand with higher interest rates. In 2023, you will have to pay Credit despite negative Schufa with interest from 11 % p.a.
The provider I recommend 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.
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
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
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
bon credit* is a credit intermediary, which has made a name for itself for over 40 years. When it comes to "Which bank gives credit despite negative Schufa?", Bon-Kredit delivers promptly. Unlike Smava, the provider can also offer loans entirely without Schufa query.
Because the provider works with all well-known German banks together and some foreign banks. Worth highlighting here are the partnerships of Bon-Kredit with the DSL Bank* and the Targobank*. Because these banks can often approve a loan despite negative Schufa.
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.
Around Rip-off at Bon-Kredit To avoid this, you should avoid using insurance as "protection". In general, it does not increase your chances of getting a loan. At the same time, insurance is expensive.
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
My data shows: Here you really get a loan despite negative Schufa!
Immediate approval within 24 hours
about 40 yearsexperience 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
How reputable is Bon-Kredit? - I put the provider through its paces
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.
4/6
❌ Misleading 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 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 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.
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* is a credit intermediary that can provide you with tailored offers in answer to the question "Which bank gives credit despite negative Schufa?". The provider still has an ace up his sleeve, because he can also give loans from private to people with bad credit.
The provider cooperates with all well-known German banks. Of particular note are the partnerships with der DSL Bank and the Targobank*, as also offered by Bon-Kredit.
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!
My data shows: Here you really get a loan despite negative Schufa!
Credit without upfront costs on favorable terms
Debt rescheduling of previous loans to a cheaper loan possible
How serious is Smava? - I put the provider through its paces
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.
3/4
❌ Additional 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.
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. In addition, Smava maintains cooperations with banks that enable lending even with a poor credit rating. These include Commerzbank, DSL Bank, Targobank and several others.
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* specializes in loans up to € 3,000. If you have only a small need for credit, and can do without the instant payout (because expensive) is Vexcash a recommendable provider when it comes to the question "Which bank gives credit despite negative Schufa?".
Vexcash cooperates with SWK Bank. The provider carries out the credit rating. However, the payment is then made exclusively via SWK Bank. The provider specializes in small loans of up to €3,000 and terms of 1 to 6 months. Without the Smart Package, the Vexcash loans affordable and in the application moreover Extremely uncomplicated. You can make the request as well as the identification completely through the smartphone.
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
❌ Poor 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.
3/4
❌ ExpensiveThe 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
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: 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 payoutonly against surcharge; Otherwise waiting time of about a week
Disadvantages Vexcash credit despite Schufa
#4Auxiliary
Auxiliary* is a credit marketplace from private individuals for private individuals. Even though it is not a bank in the true sense, you should consider the credit marketplace when asking the question "Which bank gives credit despite negative Schufa?" because of its good conditions and the positive verdict of Stiftung Warentest.
Auxiliary is one of the oldest German P2P platforms and thus in particular a competitor to Smava, which operates a similar platform. At the same time, Auxmoney has a modern platform for brokering loans from private individuals. 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.
How serious is Auxmoney? - I put the provider through its paces
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.
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* is the only bank that gives a REAL loan without Schufa. Therefore, the list "Which bank gives credit despite negative Schufa "must not be missing. However, the bank from Liechtenstein charges for the loan without Schufa 11 percent interest, which in comparison to a 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. More information in the article "When does the Sigma Kreditbank reject?“.
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 1.600 € 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
How reputable is the Sigma-Kreditbank? - I put the provider through its paces
1/1
✅ real "credit without Schufa "without any upfront costs.
1/2
❌ Customer 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* is another credit broker from Halle an der Saale, which offers the credit without Schufa of Sigma-Kreditbank. The conditions of the credit without a credit history are therefore identical, but still creditolo has earned a place in the question "Which bank gives credit despite negative Schufa?".
In addition, creditolo has connections to other banks that can still grant loans despite a bad Schufa score (not without Schufa). In particular, creditolo's connections to Targobank and SWK Bank should be mentioned here.
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
✅ 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
#7ferratum
ferratum* is a provider of mini loans up to €3,000, just like Vexcash. If you approach the provider with the question "Which bank gives credit despite negative Schufa?", they will usually give you the green light directly. Although a Schufa query is carried out, due to the small loan amounts Ferratum will rarely say no. For small loan amounts, the provider does not even require proof of income. On the downside, there are high costs for the multi-installment option and the express payout.
How reputable is Ferratum? - I rate the provider from Malta as follows
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.
Ferratum loan application - Step 1Small loans borrow money without SCHUFA and proof of income Ferratum Step 2Small loans borrow money without SCHUFA and proof of income Ferratum Step 3
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
#8Consors Finance
Consors Finanz is another bank that grants loans to people whose Schufa is not entirely flawless. In particular, negative features marked as done in the Schufa are problem-free at Consors Finanz. Due to the extremely favorable interest rates, Consorsbank is definitely worth an inquiry if you are looking for a bank that will give you a loan despite a negative Schufa.
Finally, a negative Schufa feature via a collection procedure at an online store often stands in the way of a loan from Connors Finance. not in the way. The credit can be approved despite the collection procedure.
Lending via Consors Finanz*, on the other hand, is not possibleif the Schufa contains open negative features such as "failure to provide a statement of assets" or "creditor satisfaction excluded". Because with these serious negative features really helps only the Sigma credit*. But even if you already have several installment loans, or have had payment problems with other loans in the past, it probably won't always work out with financing through Consors Finanz.
Consors Finanz is the successor bank to the former "von-Essen Bank", which used to grant loans to people with poor credit ratings despite negative Schufa. Consors Finanz has grown up, however, and has clearly moved away from the "von-Essen Bank" shady corner.
Borrow €3,000 over 36 months via Mastercard
Installment loans up to € 50,000
Term from 6 to 120 months!
Favorable interest rates
Allocation to persons, with poor creditworthiness and completed negative features in the Schufa.
the DSL Bank* has been set to installment loans and construction financing specialized. Soft negative features such as an ongoing collection procedure at an online store or features marked as settled are no problem at DSL Bank. However, in the case of harder negative features, payment problems with existing loans, or more than three existing installment loans, financing via DSL Bank becomes difficult and you must expect a rejection from the bank.
However, due to the favorable conditions of DSL Bank, you should not hesitate with an inquiry at DSL. If you are looking for an answer to the question "Which bank gives credit despite negative Schufa", DSL Bank is not always no for both installment loans and construction financing.
The interest rates are slightly higher at DSL Bank, but still within reason. In addition, you can only borrow larger amounts from DSL Bank. Small loans you look in vain here. The installment loans start from € 5,000, the construction financing starts from € 40,000 credit.
How reputable is DSL Bank? - I rate the bank as follows
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?
#10 Maxda
Maxda* is another provider of credit without Schufa. In the search "Which bank gives credit despite negative Schufa?" I would recommend the provider but only in the second place. Maxda often gives insurance, although they are superfluous. Sometimes it even goes so far that insurance is taken out without money flowing for a loan.
How reputable is Maxda? - I rate the credit broker as follows
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
#11credimaxx
credimaxx* is another provider of loans without Schufa. In the search "Which bank gives credit despite negative Schufa?" the provider is worth a recommendation, but ultimately, you will not find any other loans here than at bon credit* received.
How reputable is Credimaxx? - I rate the credit broker as follows.
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 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.
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
#12 Cashper
cashper* is a provider of mini loans, just like Vexcash or Ferratum. However, Cashper has slightly lower fees than the first two and is therefore an unconditional recommendation for small credit needs up to € 1,500. If you approach Cashper with the question "Which bank gives credit despite negative Schufa?", a loan offer from Cashper is often likely. What you particularly like about Cashper is that many loans are granted interest-free to first-time customers. If you do not add any extras, Cashper is a good way to get money cheaply, quickly and easily.
How reputable is Cashper? - I rate the mini loan provider as follows
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.
3/4
❌ ExpensiveThe 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 payoutonly against surcharge; Otherwise waiting time of about a week
Disadvantages Cashper credit despite Schufa
#13 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.
#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. You should definitely consider this article if you want to take out a loan without Schufa outside of my list of providers.
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
Of the Schufa score is used by savings banks and banks as a pre-screening used in the granting of loans.
Only if the Schufa Score sufficient is, the bank's further credit rating follows.
When "done" marked Schufa entries are at many banks uncritical and the loan is then often still approved.
The Bank's credit rating is based on your income, expenses, the amount of the loan and the available collateral.
A negative Schufa entry or a negative poor Schufa rating represents a risk for the lender which he is rarely prepared to enter into.
If you due to negative Schufa no credit at your house bank the banks presented here can often help you out.
the Interest charges are with a loan without and despite negative Schufa, however. higher:
Thus, reputable providers charge for a Loan despite negative Schufa between from 11 % interest.
In comparison installment loans in 2023 on average at 8.1 % interest rates (source: Deutsche Bundesbank; January to October 2023)
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:
The income is too low (below 1.300 € or less than 1/10th of the loan amount)
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:
the age of the credit seeker is under 18, or over 70 years old
there were delinquencies on previous loans
there is no or too little collateral for the loan
on the submitted Contact pullout it can be seen that the overdraft facility has been exceeded.
Everything important to the question "Which bank gives credit despite negative Schufa?" as a video
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Which bank gives credit despite negative Schufa and Hartz 4?
If Hartz 4 recipients want to apply for a loan despite negative Schufa, they should know the following:
A Credit despite Hartz 4 you can apply at the job center
The Jobcenter grants the loan without interest if there is an "unavoidable need".
As a recipient of social assistance, you will be rejected by banks if the loan agreement does not include a guarantors is signed jointly.
A Credit despite Schufa and Hartz 4 you can at Vexcash* at favorable conditions, if you waive the immediate payment of the money.
Without proof of income you can alternatively take out a mini loan of up to 1,000 euros with a term of 60 days at ferratum* apply.
Credit recommendation for Hartz 4 recipients with negative Schufa:
Credit despite negative Schufa and Hartz 4
✓ Credit despite negative Schufa for Hartz 4 recipient ✓ Cheapest and fastest provider for a loan despite negative Schufa and Hartz 4 ✓ Borrow €100 - €3,000 for 30,60 or 90 days
As a Hartz 4 recipient, it is often particularly difficult to get a loan. Especially in connection with a negative Schufa entry. Due to the required minimum income, a loan despite negative Schufa and Hartz 4 is only possible with Vexcash* or ferratum* conceivable.
Credit despite Schufa and Hatz 4 via the Jobcenter
Another credit alternative that is open to Hartz 4 recipients even with negative Schufa is to apply for a short-term loan through the job center. However, you must explain to the Jobcenter why you have an "unavoidable need" for the loan.
The job center loan is secured by the additional paperwork more complicated to apply for. In contrast to the mini-loans, you can also apply for a Jobcenter loan from the Not free according to your wishes. For this purpose, however, the Jobcenter loan is Completely free. Thus, you save on the loan from the job center the interest and possibly other fees that are incurred in the mini loan.
How to do itto find a bank that will give you a loan despite negative Schufa
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.
Reputable financial institutions waive upfront costs or other fees in addition to the interest rate
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 have them deleted. For legitimate negative entries, you should pay existing claims and put things in order. Only in this way can you improve your credit rating and then also receive significantly better interest conditions via installment loan.
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.
Infographic: Which bank gives credit despite negative SCHUFA?
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 have more than 1.000 Euro credit you need. But Bon-Kredit, Maxda and Credimaxx are also suitable for loans despite a negative Schufa. In very difficult cases, you can still obtain a credit-free loan of up to €7,500 from Sigma Bank.
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.
Study: Which bank really gives a loan despite negative 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 article "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 around half of all people actually receive an offer for a loan.
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.
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?
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.
For example, if you have a court order for payment you have not paid, your score will deteriorate. You then have a negative Schufa entryand thus a bad credit rating.
If banks see the risk of the negative Schufa entry as too great, they reject it Approval of the loan usually without individual examination.
Lending with a negative Schufa record may be hampered by other features. These include: Unemployment and self-employment.
Which bank gives credit despite negative SCHUFA? - This is how it works without rejection
According to the Savings Bank, the most common reasons for loan rejections are too Low income and negative Schufa entries. However, there are some ways in which a loan despite Schufa can often still work out. Here are the most important of them.
The loan despite Schufa does not necessarily have to be granted by a bank. Especially in the case of negative Schufa, loans from private individuals are a good way out.
1) A loan from private individuals
At a credit from individuals creditworthiness is checked, but it is at the discretion of the private lender whether the financing is granted. Unlike banks, private lenders do not have a rigid set of rules and can therefore grant a loan even with negative Schufa entries. This, of course, increases the interest rates on loans from private. The also known as P2P Lending designated Credit from private is thus a real alternative to the classic bank loan.
Through a loan from private individuals credit needs even above 1,000 euros can usually still be covered. You can get a loan from private individuals via Smava* or Auxiliary* to graduate.
What are the advantages and disadvantages of a loan from private?
advantages
Online conclusion: Loans from private can be concluded online without going to the post office
Despite Schufa entry is a credit granting possible
Without collateral
Good solution for self-employed and people on probation
Disadvantages
Higher interest rates
It is not guaranteedthat the credit project is fully funded on the P2P platform
2) A loan with guarantor
A guarantor is liable for the loan of another. This means that the guarantor must assume the loan installment if the actual borrower cannot pay the installment. For the bank, this reduces the risk of default. The better the guarantor's credit rating, the lower the risk. Many banks therefore grant loans to people with negative Schufa if a guarantor with a good credit rating is on board.
In the case of a loan with guarantors, in addition to the loan agreement, an additional Guarantee contract drawn up. This describes the extent of the guarantor's liability.
The loan with guarantor is a one-sided transaction, to the advantage of the bank and the loan applicant, who would not have received a loan without a guarantor. However, the guarantor does not receive anything in return for his signature. By signing, he merely exposes himself to a financial risk that the bank has passed on to him.
It is therefore advisable that the guarantor is not disappointed by reckless behavior on the part of the borrower. Otherwise, long disputes can break out.
A loan with a guarantor makes sense if you want to make a large investment today for later, which you currently do not get approved. At the same time, if you are sure that your financial situation will improve in the foreseeable future, it makes sense to add a guarantor so that the loan is initially approved.
What are the advantages and disadvantages of a loan with guarantor?
advantages
Despite Schufa entry is a credit granting possible with many banks possible
Favorable interest conditions
Good solution to prefer large investments
Disadvantages
It can become the Dispute with the guarantor come in case of payment problems
Guarantor does not profit from the contract, but takes financial risks
3) A loan with a second applicant
A second applicant is jointly liable for the loan in a similar way to a guarantor. The difference is that a second applicant also has a right to the loan amount. The guarantor does not have this right, but only assumes the liability risk.
Otherwise, a loan with a second applicant similar to the guarantor is a possibility still to obtain a loan despite negative Schufa from a bank.
In the case of a loan with a second applicant, the loan installment is assumed by both applicants. However, if one person becomes insolvent, the other is fully liable for the installment. For the bank, this reduces the risk of default. It becomes lower the better the credit rating of the second applicant. Many banks therefore grant loans to people with negative Schufa if a second applicant with a good credit rating is on board.
The second applicant is included directly in the loan agreement. A separate guarantee agreement is not required.
Even with a loan for two, it is advisable that the second applicant is not disappointed by the borrower's inconsiderate behavior. Otherwise, long arguments can break out.
A loan with a second applicant is well suited for people who live in the same household for joint purchases. Thus, the second applicant is widespread especially for construction financing. But a loan with a second applicant is also advantageous for the jointly used family car.
What are the advantages and disadvantages of a loan with a second applicant?
advantages
Despite Schufa entry is a credit granting possible with many banks possible
Favorable interest conditions
Good solution to Investments to be managed in pairs
Of the Second applicant benefits in contrast to the guarantor also from the contract
Disadvantages
It can become the Dispute with the second applicant come in case of payment problems
4) Collateral for the loan
However, collateral is also available at installment loans always a plus and often result in the loan being approved by the bank. It should security in value at least equal to the value of the loan.
Real estate, cars or life insurance policies, for example, can be used as collateral for loans. Whereas in the case of real estate a land charge is entered in the land register, in the case of cars a Delivery of the motor vehicle letter.
However, depositing the car title at the bank makes a later sale difficult, as the title has to be released first. However, if you talk to the bank and the buyer about this, a solution can usually be found.
What are the advantages and disadvantages of a loan with collateral?
advantages
Despite Schufa entry is a credit granting possible with many banks possible
The sale is difficult because the collateral must first be released. This applies in particular to the car loan.
Which bank gives credit despite negative SCHUFA? - Lending according to 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.
Schufa base score over 97.5 %
Credit bureau bank score: 9.772-9.999
Credit bureau rating: AWAY
Probability 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*.
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.
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.
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*.
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.
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!
The credit rating is determined by the banks from several variables. Here we look at the individual factors that are taken into account to calculate your credit rating.
1. monthly income
From the necessary minimum income lenders often make a big secret. In addition, each loan provider draws on its own requirements. Furthermore, the required minimum income also depends on the amount of the loan, loan term, dependents and SCHUFA score.
Here is the minimum income listed for loan providers:
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.
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. monthly expenses
Monthly expenses are just as important as income. Loan providers therefore want to be informed about your monthly expenses. Your fixed monthly expenses include: Rent, electricity, gas, internet, automobile, existing loans, hobbies, etc. As proof, lenders often want to see your last two or three bank statements. The more surplus you have available at the end of the month, the better.
With a bad credit rating, you can borrow about 40 times your disposable income. For a loan of 8,000 € you would need to have about 200 € per month left.
With these tips you may succeed in improving your credit rating to obtain a loan.
3. SCHUFA information
This probably comes as no surprise to you. But did you also know that you have the right to request data from the credit bureaus for free once a year to be checked? If something is not right here, you can have false entries deleted. This will improve your score. Not every negative entry leads directly to a rejection of the credit application. If it is an account cancellation, a loan is often still possible.
Even if the negative entries are in the Schufa file as "done", this often does not stand in the way of a loan being granted. To distinguish the severity of the Schufa entries, there are hard and soft negative SCHUFA entries.
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
Lending is possible even with hard negative entries
Credit without Schufa are offered by reputable providers such as. bon credit* mediated without any upfront costs
A loan without Schufa does not burden relatives who have to stand in as guarantors
Disadvantages
The interest rates are expensive
There are dubious providers who try to milk out people in distress and make expensive home visits or send cash-on-delivery shipments
Which bank finances despite negative SCHUFA? - It's also up to you!
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.
You should plan a buffer for such cases. The loan amount should therefore not be set 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 and solution of dubious providers on the topic "Which bank gives credit despite negative SCHUFA?"
You should be careful with a credit without SCHUFA. On my site, I receive daily various inquiries and spam posts from alleged providers of "reputable" credit free. If you are interested in a loan without consideration of negative SCHUFA entries, you should be careful. The following criteria can help you to unmask dubious providers:
upfront fees
Reputable providers who arrange a loan without taking into account negative SCHUFA entries never demand an advance on costs. Even particularly fast processing is not invoiced separately by such providers.
No upfront fees: Neither Konto-Kredit-Vergleich.de nor my partners incur any upfront fees 👍
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: You can usually reach my financing partners via a free phone number or at a local rate. You can also send me a 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 charity, Diakonie and the Red Cross are the first points of contact for this.
No lending in the event of bankruptcy: Please contact independent debt counseling if you are having financial difficulties. Credit and insolvency advice from a single source is strongly discouraged!
Expensive additional products
The alarm bells should also ring if the provider tries to offer you nonsensical additional products such as consulting services and insurance.
No expensive additional products: Neither I nor my financing partners try to sell you expensive and nonsensical add-on products 👍
Cash on delivery
Contract documents are not sent by reputable providers as cash on delivery. In general, shipping fees for contract documents do not inspire much confidence. Better keep your distance from such providers.
Without cash on delivery fees: You will receive all documents from my financing partners conveniently by e-mail or mail, of course without cash on delivery charges! 👍
No imprint
If the provider does not have an imprint, you should refrain from doing so.
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.
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* get.
* 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 unemployed, Pensioner, students or trainee it is therefore usually not possible to take out a Swiss loan. Just because no SCHUFA request is made does not mean that Swiss banks do not carry out a credit check. It's much easier to get over that Form of my partner of money. Loans from private individuals are also offered here. You will also receive this with a negative SCHUFA entry.
A loan despite negative SCHUFA at Targobank?
As outlined in another article, there are increasing inquiries and reports on the Internet about Loans despite negative Schufa at Targobank. In principle, Targobank - like other German banks - draws up a precise picture of its customers before granting a loan. For this purpose, the creditworthiness is checked on the basis of several criteria and then it is decided whether and in what amount a loan can be granted. Part of this credit check is also a SCHUFA query at Targobank. It is much easier to get a credit check via the Form of my partner 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.
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
increase revenueIf you increase your income, you will improve your situation in the long term.
Reduce expenses: It's the same when you cut your expenses.
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.
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.
Have false Schufa entries deleted: This will improve your credit rating immediately and you can get a loan directly on good terms.
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.
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'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).
Secure credit through a guarantor
2. Choose a realistic loan amount: Loan installments must come from free incomebe 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 after deduction of all costs is 100 €, you can get a loan of about 4,400 € with a term of 4 years. For a term of 6 years, 6.600 € credit and with a 10-year term, €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.
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.
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.
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 statementIf 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.
every 5 Instant tips when you can no longer get a loan, you can also find in the following infographic:
https://www.pinterest.de/pin/608197124685898058
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 have a salary or other income, you can find more information on the page Credit without proof of income. If you do not have any proof of your salary, or if you do not want to go to the trouble of looking for it, you only have the following options ferratum* left as a provider of a loan without proof of salary.
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 loanswithout paperwork and with Instant payoutwithin 30 to 60 minutes about theLightning loan despite poor credit ratingaccessible.
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!
Which bank gives a loan to pensioners despite a negative Schufa?
Even as a pensioner Can you get a loan despite a 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.
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
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!
If you want to keep the option of a flexible increase and repayment of the loan open, a Framework loan can also be a good solution.
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 euros 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 eurosneed 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 nowa small loan despite negative SCHUFA need, click on the appropriate button!
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.
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.
*Affiliate link: If you use one of these links to go from my website to a provider, I may receive a commission. There are no additional costs for you. For using these links a ❤️ THANK YOU! ❤️
Disclaimer: This is well researched but non-binding information.
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