Which bank is most likely to get a loan from?

If you have already asked yourself the question "Which bank is most likely to get a loan from?? you are in the right place. Easy to apply for Loans that anyone can get are either mini loans up to 3,000 euros or an installment loan with a credit line of up to 7,500 euros. You are most likely to get a loan of 1,000 euros with a credit broker like bon credit* or Smava*, which requests numerous banks at once. Smaller sums up to 1500 euros are over cashper*, Vexcash* or ferratum* (without proof of income) easy to get. Konto-Kredit-Vergleich.de clarifies what you can do to get a loan from most banks. This includes, for example, that the discretionary income must be sufficient to repay the loan installments. With good payment practices and a negative Schufa entry, a Swiss credit for Germans be a way out of the crisis. You can find more tips on how to get a loan as soon as possible here.

Which bank is most likely to get a loan from?

You are most likely to get a loan Credit intermediaries like bon credit* or Smava*. The reason is simple: instead of going through numerous banks individually, a credit broker asks numerous banks at once. This saves you time, nerves and possibly money. These two providers are therefore also included in the list Banks that lend easily located at the very top. Even in difficult cases such as receiving sick pay, a Credit despite sick pay possible with these providers.

In our table you will find the best loan providers for a loan from despite negative Schufa. These loan providers can arrange a loan without Schufa in particularly difficult cases. However, this is often not necessary and a cheap loan from Germany can also be taken out. This credit is then granted despite a negative entry in the Schufa. The credits of these providers are natural all at no cost and therefore a good choice when looking for a bank where you can usually get a loan without any problems. Even if you have already been rejected by your house bank.

#1: Receipt credit High expertise in loans despite Schufa 4,9/5 (eKomi) Interest charges: approx. 8 % at €10,000 & 72 months Loan Amount: 100 to 300,000€ Minimum income: €1,300 net per month Duration: 12 to 120 months To the provider: Bon-kredit.de	Commitment probability 40 - 60 Percent More information about the provider's commitment probability Speed 48 Hours Costs 3/5 Points seriousness 4/6 Points More information about the seriousness of Bon-Kredit To the provider: Bon-kredit.de
#2: Smava Cheaper does not go warranty 4,9/5 (eKomi) Interest charges: -0.4 % at €1,000 Loan Amount: 500 till 120.000€ Minimum income: €601 net per month Duration: 12 to 120 months To the provider: Smava.de	Commitment probability 40 - 60 Percent More information about the provider's commitment probability Speed 24 Hours Costs 5/5 Points Smava undercuts offers from other providers with the "You can't get cheaper than this" guarantee seriousness 5/6 Points More information about the seriousness of Smava To the provider: Smava.de
#3: Vexcash Fastest payout 5/5 (eKomi) Interest charges:approx. 14.8 % pa rms. Loan Amount: €100 to €3,000 Minimum income: €700 net per month Duration: 15 - 90 days To the provider: Vexcash.de	Commitment probability >80 Percent Inaccurate data on commitment probability Speed < 1 Hour Costs 3/5 Points Smart option too expensive seriousness 4/6 Points More information about the seriousness of Vexcash To the provider: Vexcash.de
#4 Auxmoney Alternative: Loan from private Suitable for self-employed 4,8/5 (eKomi) Interest charges:approx. 5.24 % pa rms. at €13,300 & 84 months Loan Amount: €1,000 to €50,000 Minimum income: €1,000 net per month Duration: 12 to 84 months To the provider: Auxmoney.de	Commitment probability >50 Percent More information about the provider's commitment probability Speed 4 Days Costs 5/5 Points Favorable conditions seriousness 6/6 Points More information about the seriousness of Auxmoney To the provider: Auxmoney.de
#5 Sigma Kreditbank Real credit without Schufa from Liechtenstein 4,8/5 (eKomi/Maxda) Interest charges:11,11 % Loan Amount: 3.500 € 5.000 € 7.500 € Minimum income: €1,260 net per month Duration: 40 months To the provider: Sigma credit bank	Commitment probability 33 Percent Refusal, without permanent employment Speed 4 Days Costs 3/5 Points Interest expensive seriousness 4/6 Points More information about the seriousness of the Sigma Kreditbank To the provider: Sigma credit bank
#6 Creditolo 4,3/5 (trust pilot) Interest charges:11,11 % Loan Amount: 3.500 € 5.000 € 7.500 € Minimum income: €1,260 net per month Duration: 40 months To the provider: Creditolo.de	Commitment probability 33 Percent Refusal, without permanent employment Speed 4 Days Costs 3/5 Points Interest expensive seriousness 5/6 Points More information about the seriousness of Creditolo To the provider: Creditolo.de
#7 Ferratum 4,7/5 (eKomi) Interest charges:10,36 % + installment option Loan Amount: €50 - €1,000 for new customers €50 - €3,000 for existing customers Minimum income: €1,100 net per month Duration: 30 days - 180 days To the provider: Ferratum.de	Commitment probability >80 Percent Inaccurate data, for commitment probability Speed 24 Hours At the end of 2022 there are unfortunately delays in payment up to 48 hours Costs 3/5 Points Interest expensive seriousness 4/6 Points More information about the seriousness of Ferratum To the provider: Ferratum.de
#9 DSL Bank 4,5/5 (Proven Expert) Interest charges:4,40 % Loan Amount: 5000 € - 50.000 € Minimum income: unknown Duration: 48 - 120 months Installment loan despite negative Schufa: To the provider: DSLBank.com	Commitment probability >40 Percent Inaccurate data, for commitment probability Speed 4 Working days Costs 4/5 Points Favorable interest rates seriousness 6/6 Points More information about the seriousness of DSL Bank construction financing despite negative Schufa: To the provider: DSLBank.com
#10 Maxda 4,8/5 (eKomi) Interest charges:8.9 % (for 2/3 of customers at €10,000) Loan Amount: 1.500 € - 250.000 € Minimum income: 1.260 € Duration: 12 - 120 months To the provider: Maxda.de	Commitment probability >40 Percent Inaccurate data, for commitment probability Speed 48 Hours Costs 2/5 Points Caution: In some cases, insurance is taken out before the loan is concluded seriousness 3/6 Points More information about the seriousness of Maxda To the provider: Maxda.de
#11 Credimaxx 4,8/5 (eKomi) Interest charges:7.9 % (for 2/3 of customers at €4,000) Loan Amount: 500 € - 80.000 € Minimum income: 1.100 € Duration: 12 - 120 months To the provider: Credimaxx.de	Commitment probability >20 Percent Chance of success lower than with other providers Speed 48 Hours Costs 3/5 Points seriousness 3/6 Points More information about the seriousness of Maxda To the provider: Credimaxx.de
#12 Cashper 4,7/5 (eKomi) Interest charges:0 % for new customers Loan Amount: 100 € - 1.500 € Minimum income: 700 € Duration: 30 - 60 daysTo the provider: Cashper.de	Commitment probability >80 Percent Chance of success very high Speed 24 Hours Costs 5/5 Points Free application for new customers seriousness 5/6 Points More information about the seriousness of Cashper To the provider: Cashper.de
#13 TF Bank Credit card despite bad Schufa 4,4/5 (trust pilot) Interest charges:0 % for up to 51 days Loan Amount: 0 - 10.000 € Minimum income: not known Duration: no limit To the provider: TFBank.com	Commitment probability >40 Percent Chance of success: medium Speed 3-4 Days Costs 3/5 Points Free of charge for up to 51 days, but high interest thereafter seriousness 5/6 Points To the provider: TFBank.com
#14 Advanzia Credit card despite bad Schufa 4,5/5 (trust pilot) Interest charges:0 % for up to 7 weeks Loan Amount: 0 - €20,000 for long-term customers. Maximum limit of €2,000 after application, €3,000 after three months and €5,000 after eight months. Minimum income: No minimum income required - application without salary certificates Duration: no limit To the provider: Advanzia.com	Commitment probability >60 Percent Chance of success: good Speed 3-4 Days Costs 3/5 Points Free of charge for up to 7 weeks, but high interest thereafter seriousness 5/6 Points To the provider: Advanzia.com
#15 Consors Finance 4,3/5 (trust pilot) Interest charges:2,99 % Loan Amount: 500 € - 50.000 € Minimum income: 650 € net per month Duration: 6 - 120 months To the provider: About Consors Finance	Commitment probability >40 Percent Inaccurate data, for commitment probability Speed 24 Hours Costs 5/5 Points Very favorable interest rates seriousness 5/6 Points To the provider: About Consors Finance

What you should do to get a bank loan approved quickly!

Tip #1: It doesn’t matter which bank – you’re most likely to get a loan if the payment practices it's correct.

It is the business model of lenders to lend as much money as possible. Because they earn with every euro lent. So, in principle, lenders have an interest in lending money. This is all the more true in periods of low interest rates. If an offer is rejected anyway, it is probably due to an internal review. The bank could insufficient payment practices assume. This could be the case if invoices have not been paid in the past and there is therefore a negative SCHUFA entry. The lender then expects not to get the money back. Therefore, he refrains from granting the loan. You should due to the cause Obtaining SCHUFA information get to the bottom.

Tip #2: Plan realistically: Create a household bill

You are most likely to get a loan from most banks if the loan amount is not too high is chosen. That means that Household income must be sufficient to repay the loan installments. Compare your income and expenses. After all expenses are deducted from your income, that is what remains discretionary income. This is based on the maximum rate of the loan. Keep in mind that not all expenses can always be planned. The Washing machine may suddenly break down, a visit to the car repair shop may be more expensive than expected, or an additional payment for electricity, gas or telephone bills may arrive. You should plan a buffer for such cases.

Tip #3: You are most likely to get a loan from banks if the disposable income is sufficient to pay the loan installments

Banks regard the freely disposable income as the maximum amount for the monthly installments of a loan. Use a loan calculator to determine how much credit you can get. Keep in mind that the longer the loan term, the lower the rates and you can borrow more money than with a shorter term.

Two examples: That disposable income is 200 euros. With a term of 3 years you can get around 7,000 euros credit obtain. at With a term of 5 years, however, the maximum loan is around 11,500 euros.

Is that disposable income, on the other hand, is 300 euros, the following maximum loan amounts result. Does the loan have a term of 3 years, you can afford around 10,300 euros, with a term of 5 years it is around 17,500 euros possible on credit.

Tip #4: Check your SCHUFA entry to get a loan from banks

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

Think carefully about whether you can really repay a loan despite a SCHUFA entry. It is not uncommon for banks to have plausible reasons for rejecting a loan application.

Tip #5: Which bank is most likely to get a loan?

Consumers often underestimate their creditworthiness. Maybe your credit rating is better than you think? Fortunately, this concern is often unjustified. Before you apply for a loan from many banks individually, you can consult a credit expert like SMAVA. Here, up to 30 banks are requested at once. If you have previously obtained a free SCHUFA self-assessment, you can realistically assess your chances and are spared any nasty surprises. also rejects the Sigma Kreditbank loans due to insufficient income.

Tip #6: 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. In general, the financing of consumption should remain an emergency.

Requirements to get a loan from a bank

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

Residence in Germany
of legal age
German bank account
regular income
good credit
some additional collateral such as Vehicle letter for a car loan

Since our financing partner requests more than 30 banks, you are most likely to be able to get a loan through them. If all loan requests are rejected, our partner can also help you arrange a loan from private individuals.

FAQ: Which bank is most likely to get a loan from?

1. Which bank is the best for a loan?

It always depends on the purpose and the amount of the loan. If you don't want to do anything wrong, you can rely on established providers. These include postal bankNorisbank, SWK Bank, Targobank, Postbank, Santander Consumer Bank, or ING for the flexible Car loan without vehicle letter submission. You won't go wrong with these providers. In order to query several banks at the same time, the interposition is one credit intermediary recommended. Such a Credit broker finds the best bank for your loan request, without having to search long.

2. at which bank can you get a Credit despite negative credit bureau?

As before there is banks, the one Credit granted despite negative SCHUFA. These include in particular bon credit* or Smava*. But also the providers Ferratum Bank*, Vexcash* or cashper* grant loans to people despite a negative Schufa entry. However, is also for banks is a Schufa-free credit an additional risk, which is why interest rates may be slightly higher. It is therefore important, especially if you have a bad credit rating, to choose an appropriate credit rate in order to avoid over-indebtedness. It is often helpful as well Request a SCHUFA file and try to clean up negative entries. Further tips and opportunities to the Loan without SCHUFA query you can find in the guide: Which bank gives credit despite negative SCHUFA. In this linked guide you will find everything you need to know about the topic "Which bank with bad SCHUFA?”.

3. Is it easy to get a loan?

To one Loan to get, you must certain requirements, how Residence in Germany, of legal age, a German bank account and a regular income can fulfill. This also applies to banks that in difficult cases are still Grant credits such as Bon-Kredit.

If you ask yourself "Is it easy to get a loan?” so keep in mind that a loan is a Pledge of your future wages or salary is. Therefore, it is all the easier for you to get a loan if you have one solid employment have been available for 12 months or more. Nevertheless, in exceptional cases it is also possible for employees in the probationary period to Pensioner ,students or trainees possible to get a loan.

If only one small sum up to 1,000 euros for one or two months is needed are mini loans suitable to plug your hole in the household budget, which are awarded comparatively easily and under the conditions mentioned at the beginning of the section. On the other hand, if you need more than 1,000 euros or the money for longer than 2 months want to take out it is easiest to take out a loan bon credit* or Smava* to obtain.

A credit intermediary such as Smava sends your credit request to over 30 banks. If no credit comes about, Smava can give you one Credit from private convey. Here you borrow money from one or usually several private individuals. Private individuals usually also give loans to people who have already been rejected by banks. In our article about Banks that lend easily you will find a top 10 tableau of banks that are particularly easy to lend (“yes banks”).

https://konto-kredit-vergleich.de/kredit-ohne-schufa-serioes/

If you serious loans without Schufa If you want to find one on your own, you should definitely use the checklist for a serious loan without Schfua.

4. What is a good interest rate for loans?

the interest rates are very strong of Term, loan amount, purpose and creditworthiness addicted. In addition, the rate advertised is often not what most people get. In the info box you will find an example of how the effective interest rate and two-thirds interest can diverge. Hence the question “What is a good interest rate for a loan?” cannot be answered in general terms. Rather you have to differentiate according to use. Here are a few depending on your intended use Guide values for good interest rates on a loan:

At a home loan good interest rates lie meanwhile under 1 %.
for car loans you have to with about 2.5 % to 3.5 % calculate.
installment loans with free use are about between 2.5 % and 6 %.
- In February 2022, the Bundesbank reported an average interest rate for installment loans of 5,34 % Interest charges.
at Loans despite negative credit bureau do you have to go with me 6 % to 12 % calculate interest
at mini loans become between 8 % to 14 % interest demanded.

⚠️ ING DiBa Car loan without vehicle registration ⚠️ ING has lowered its interest rate for the creditworthiness-independent car loan without a vehicle registration document. For a financing, where you can keep the car registration certificate, now only ~~2.95 % pa~~ ~~2.89 % pa~~. 2.59 % pa to pay. More information* >>

At a Credit over €10,000 for free use and a term of 60 months the best effective interest rate is given as 1.47 %. Two-thirds of all borrowers at this bank have to pay for the same Loan but one interest rate of 3.71 %. Therefore, it is at the credit comparison always also important what interest rate a large number of people actually get. This is determined by the Two-thirds interest expressed.

Interest rates are often overstated. So a tip: Always pay attention to the two-thirds interest rate or a representative example when comparing loans.

5. What is the most likely way to get cheap loans from a bank?

Around cheap loans to get should compare multiple offersn become For this purpose, comparison calculators on the Internet are a first point of contact. At a credit comparison However, you should always obtain concrete offers for your financial needs. This is the only way that your personal situation as well as the term, loan amount, purpose and creditworthiness can be taken into account. The fastest and easiest way to get several offers at once is to work with one of the credit professionals mentioned. Since he knows the market very well, you can get a cheap loan with little effort.

6. Who decides on a loan?

Ultimately, banks use creditworthiness to decide whether or not to grant a loan. When a Loan is applied for at the house bank, the bank checks the freely disposable income and other characteristics based on the account movements. When deciding on a loan, it is crucial whether the loan can be repaid or not. If you have a permanent job, your chances are usually good. But credit intermediaries can also find a bank without a permanent job. They should Credit installments are below disposable income. Further up on this page, you will find many tips about a loan to get. With the tips you know what you should do to get a loan from banks as soon as possible!

7. What do I have to do to be most likely to get a loan from a bank?

You find the essentials requirementsto get a loan earlier in this guide.

8. When do you not get a loan?

A loan is rejected if the bank suspects that it cannot be repaid. This is the case when the disposable income is not sufficient to repay the loan by the end of the term. Also can a loan amount too high, negative entries, or trial period possible reasons for rejection. A credit professional can often still find a suitable loan for you. However, you should then check your SCHUFA for false entries. You could also think about improving your income and expenses situation. In addition to poor creditworthiness, this is also a common reason why people do not get a loan. All on topic Credit request denied earlier in this article.

9. I'm on a low income - which bank is most likely to get a loan?

As a low-income earner, you have three options for getting a loan. how and where you also as low earners are more likely to get a loan you can find out in the guide Which bank gives a low income loan.

Possible options for getting a loan as a low earner.

9.1 A mini loan up to 3,000 euros and 62 days are most likely for low earners

without income,
No guarantor
Without paperwork
Express credit: money in 30 min on the account within 24 hours

9.2 With a P2P credit there is most likely a loan from 1,000 euros

From 600 € income
without guarantor
without paperwork
Money is often there within 24 hours - loan approval immediately

9.3 House bank unsuitable to get a loan as soon as possible

High income required
with paperwork
Long processing times

10. Why are loans from banks that grant loans with bad creditworthiness more expensive?

banks the with minor credit check grant a loan, usually require higher interest rates. This means that the bank's increased credit default risk is borne. The more collateral there is a loan the better the interest. Due to the high security of a property, construction financing, for example, is significantly cheaper than installment loans or even mini loans.

But still: If the interest rate for a loan is significantly higher than the usual values, became dem credit comparison may not have received enough attention. If the loan is too expensive, you should try to reschedule it as soon as possible. Alternatively you can find it here 4 ways your loan installments to lower. You can find one through a loan professional cheap loan that suits your situation. After filling out the inquiry form, a Credit professional a cheap bank, which is most likely to grant a loan.

11. Which is better: a loan or an overdraft facility?

A overdraft facility is suitable to short-term bottlenecks to bridge. Of the Overdraft facility is significantly more flexible than a conventional installment loan. However, an overdraft facility is also expensive. long term should a dispo not be used. For this is a conventional Installment credit more suitable.

12. Why is an online loan cheaper than in a branch?

have online banks lower costs as branch banks and savings banks. Therefore, online banks can offer loans cheaper. A Credit applying online is therefore mostly cheaper than at a branch bank. Furthermore, the Loans from online banks often too faster on the account.

Which bank is most likely to get a loan from? – Instant money with mini loans

With mini loan providers, you can get up to 1,500 euros immediately as a new customer. Up to 1.000 Euro credit you can get it even if you are a student or unemployed, because Ferratum offers a 1000 Euro credit without proof of income* gives. You can even apply for a small loan of up to 3,000 euros immediately: However, this is only possible if you are already an existing customer Vexcash* are you.

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

*Affiliate link: If you get to a provider via one of these links from my website and open an account there, I may receive a commission. This does not result in any additional costs for you. ❤️ THANK YOU for using these links! ❤️