Fill out your credit request online, according to your credit wishes, and send it to us completely online. Your request is free of charge and without hidden costs.
When filling out the credit application, you will be asked to provide personal data that is important for the credit processing. In order for your credit request to be processed quickly and smoothly, your information must be complete and correct. Otherwise the processing time is delayed and if necessary. So that the credit. All information is used for the credit assessment of your creditworthiness, which must be carried out before any loan is granted.
A credit check is not necessary in the case of a credit without credit history.
2. Personal advice
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Your personal loan advisor will review your loan application and then, together with you, go through all the suitable offers. You decide for yourself and without obligation.
After evaluating your credit application, our credit experts will contact you as soon as possible in order to be able to submit a non-binding offer tailored to your framework conditions. The offer is based on a variety of credit options, which our experts always have in view and discuss with you together. they will discuss all financing options with you that are suitable for your goals in order to find the most suitable and favorable loan for you in each case.
We carry out a free loan comparison for you by checking all eligible banks for your loan request.
3. Fast disbursement
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Your signed credit agreement will be directly transferred to you after contract receipt and online postidentification verification. Payment is made within 24 hours to your account.
You will receive the desired loan agreement, for final review and signature, from the bank (lender) selected by you with the conditions agreed by you. Afterwards you can send it back to us – online or offline. The lender checks the documents again and pays your desired loan amount as soon as possible to your specified bank account.
We and our partner banks prefer mainly the fast, digital way of transmission and identification, via identification and processing by video or postident. But also the classic way, via mail, is still one of our means.
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credit despite schufa – worth knowing about the schufa loan and save money
German banks determine the creditworthiness of their customers, in particular on the basis of a regular income and a credit report (schufa). if you have a negative schufa-mark, you will not get a credit in this country. in this case there is often only one financing solution, the so-called credit without schufa. In the following article, you will learn what the credit despite schufa is, what tasks the schufa performs, what you should know about the schufa entries and you will receive a lot of other information.
We distinguish credit without schufa and credit with and despite schufa. Loans without a query with schufa are only possible under very strict conditions, whereby loans in spite of & with schufa much easier to be approved.
example of a credit with schufa & credit despite schufa:
| Amount paid out | 88.000 € |
| minimum rate | 455,40 € |
| nominal interest rate | 5,21 % p.A. |
| fixed interest rate | 5 years |
Examples and terms and conditions for a swiss credit, also credit without schufa called:
loan amount = optional 3.500 €, 5.000 € or 7.500 € (per person)
fixed interest rate = 11.11 % p.A.
term = 40 months
early repayment = from the 6th month. month possible
age of the applicant = maximum 62 years old
increase to 7.500 €, with existing credit without schufa, possible
with a credit without schufa the schufa information does not play a role for the credit check and an approval without schufa check is possible.
Small credit amount
- minimum income (net) = 1.210,- € / month (depending on the number of children)
- minimum period of employment = 12 months
Medium credit amount
- minimum income (net) = 1.660,- € / monthly (depending on the number of children)
- minimum period of employment = 36 months
High credit amount
- minimum income (net) = 1.860,- € / month (depending on the number of children)
- Minimum period of employment = 48 months
What is a loan despite schufa?
The credit without schufa is a loan, which is granted even under the condition that there is a negative feature in your schufa. Such loans are offered by the respective providers under different names, in particular:
loan without schufa
credit with schufa
credit without schufa
credit despite schufa
credit on credit
credit without credit rating
loan without schufa
loans with schufa
loan without schufa
loan despite schufa
swiss loan
credit without credit
credit free loan
credit neutral loan
the schufa-free credit differs essentially from ordinary installment loans in that the lender does not obtain the schufa information to assess the creditworthiness of the credit seeker. Another difference is that the granted credit despite schufa is not reported to schufa. in the case of ordinary installment loans or other types of loans from german banks, a forwarding to schufa would take place.
What is the schufa actually?
The term schufa is familiar to most consumers in germany. However, bank customers, for example, often do not know what schufa is all about in detail and what the company’s tasks are. schufa falls into the group of so-called credit agencies. Often it is also referred to as a credit bureau. schufa’s main task is to collect relevant data on as many German citizens as possible to provide information on the customer’s creditworthiness.
What does schufa store and for how long??
Three main groups of data are stored in schufa, namely:
Personal data
schufa neutral data
positive and negative features
Personal data includes in particular the name, address, date of birth and previous addresses. Schufa neutral data are, for example, loans taken, a current account, existing credit cards or current and past employers. The companies that cooperate with schufa are particularly interested in the positive and, above all, the negative features. If a negative feature appears in the schufa report, in many cases a contract is not concluded with the company in question. the following companies in particular use schufa information to get a picture of their customers’ creditworthiness:
Banks
insurers
telecommunications companies
leasing companies
it is estimated that schufa stores a total of more than 700 million individual data of over 65 million german citizens.
However, it is not only the question of which data schufa stores that is interesting. In addition, it can be of great importance how long the data storage takes place. In this regard, there are certain deadlines after which a schufa entry must be automatically deleted. The type and reason for the entry is of particular importance here. For example, the following data is stored for the specified period of time and is automatically deleted after the period expires:
Information about inquiries to schufa = twelve months
completed credits = three years
completed dunning and collection procedures = three years
affidavits and warrants = three years
information on insolvencies = ten years
In addition to these deadlines, it can happen under certain circumstances that data stored in schufa must be deleted immediately. This applies in particular on condition that the entries are false or incorrect, that the entries are out of date or that the debts have already been settled. In addition, immediate deletion can be requested if there is a mix-up in the person or only minor debts are the basis for the schufa entry.
What is the significance of schufa entries??
For this reason, you should at least ensure that the data stored in schufa is correct. For this purpose, the legislator has stipulated for several years that you can request a free self-disclosure once a year. this is possible in particular via the "meine schufa" portal. Alternatively, you can also request the self-disclosure from schufa by post.
Who grants a credit without schufa?
Almost without exception, banks from switzerland or liechtenstein act as lenders for credit-free loans. However, in most cases credit intermediaries are interposed. These take care of the processing and contact with potential credit seekers, for example. Most of these credit brokers use a website as a sales channel. If you are looking for a credit in spite of schufa, you will find what you are looking for in the corresponding search engine, especially with credit brokers.
Under which conditions is the credit without schufa granted??
- Regular income
- Residence in germany
- German bank account
- At least 18 years of age
With regard to income, there are usually further conditions that you must fulfill. This includes above all that your income results from a dependent employment. Loans without schufa to self-employed persons or freelancers, on the other hand, are granted just as rarely as to students and trainees. In addition, you should have a permanent employment relationship and therefore no longer be in the probationary period. In addition to the above-mentioned requirements, collateral may be required, such as a guarantee. However, this is dependent on the respective lender or. From the credit intermediary.
What are the conditions of credit without schufa??
- Loan amount: 3.000 to 50.000 euro
- Term: 12 to 48 months
- Interest rate: 8.9 to 14.9 percent
The credit without schufa is therefore not a favorable loan, if you look at the average interest rate. However, the credit-free loan is almost the only financing option for many credit seekers who have a negative entry in the schufa. With regard to the conditions, you should make sure that, if possible, free special repayments are possible at any time.
What is the difference between with, without and in spite of schufa??
What to consider with a credit on credit history?
Before you apply for a credit-free loan, you should ask yourself whether there are other loan alternatives. This also includes that they check whether the negative entry in their schufa is at all justified or not. Still current. It can have a significant added value, if you have a schufabereinigung carried out. If there is no negative entry in the schufa, you can usually fall back on an ordinary installment loan. The extra costs that a credit without schufa usually causes, you could save then.
You should also make sure that you are allowed to make unscheduled repayments free of charge at any time. In this case, you can repay the credit without credit history early and save on interest costs. Not in all cases are unscheduled repayments to an unlimited extent permitted or associated with costs. Under these circumstances, you should take the opportunity to compare other providers and perhaps opt for a different lender.
In the overview, the following points in particular are what you should look out for in a credit on credit history:
- Compare offers with each other
- Pay attention to the seriousness of the lender / credit broker
- If possible, arrange special repayments
How to recognize dubious credits without schufa?
- Preliminary costs (brokerage commission is to be paid before the conclusion of the loan agreement)
- Effective annual interest rate of more than 20 percent
- Interest rate is given per month
- Obligation to conclude additional contracts (for example, life insurance)
- Disproportionately high collateral is required
These characteristics indicate that the offer is not fair and serious. Vou should urgently refrain from such credit offers, because there are a number of credit-free loans on the market with fair conditions.
Are there alternatives to the credit without schufa?
- Credit from private
- Mini-credits
The private loan is a loan that is granted through special platforms. Lenders are not banks, but private individuals instead. These see the lending of their capital as a financial investment. In most cases, a negative credit history is not a general obstacle to obtaining a loan.
Another alternative can be mini loans. However, these microloans are usually only up to a loan amount of 1.000 euro loans. therefore, mini-loans can only be a real alternative to credit-free loans if your financing needs are comparatively low. mini-loans are provided by specialized providers