Those who have negative entries in their Credit Bureau are severely restricted in their financial freedom. You can no longer conclude mobile phone contracts and finding a flat is also difficult. If there is also a financial bottleneck, the desire for a loan to bridge the gap quickly grows.
Appropriate financing is often required even when urgent purchases are due. Anyone looking for an instant loan with a negative Credit Bureau must switch to a bank abroad, because the banks in Germany always reject the credit request for negative Credit Bureau entries.
The instant loan with negative Credit Bureau through a bank in Switzerland
Fine banks have the great advantage that they do not need to query Credit Bureau. In addition, no data on a loan granted is passed on to Credit Bureau. Instead of a clean Credit Bureau, more value is placed on a regular income. In order to apply for an immediate loan with a negative Credit Bureau, you need a monthly income that is above the garnishment-free limit. In addition, the borrower must have been with the current employer for at least 12 months and have an open-ended employment contract.
Furthermore, an immediate loan with a negative Credit Bureau is only granted to German citizens over the age of 18 who have both their permanent place of residence and their place of work within the Federal Republic of Germany. If all the requirements are met, you can apply for the instant credit with a negative Credit Bureau directly online from a corresponding credit broker. However, it is not possible to apply directly to the Swiss bank.
Find the right credit broker online
The most important step in taking out a Credit Bureau-free loan is to find the right broker. On the one hand, the interest rate that is offered and on the other hand, the seriousness of the intermediary. The latter in particular can be crucial for success. It is recommended that borrowers only contact reputable brokers who have many years of experience in loan brokerage. If you pay attention to a few important things, you will quickly find a reputable credit broker. The most important thing is never to make prepayments when making a loan request.
Dubious intermediaries often insist on payment in advance, without which there is then no credit brokerage. It is also very popular to ask for insurance or a building society contract when applying for the loan. You should definitely stay away from such offers. A reputable credit broker does not make the mediation dependent on taking out insurance and does not require prepayment. The agency fee is only charged when the loan amount is paid out.
In a few steps to an instant loan with a negative Credit Bureau
Once you have chosen an intermediary, you can easily apply for the loan online. For this, each agent offers a corresponding online form. Simply fill it out completely and send it online. If all the requirements are met, the credit agreement will be sent home by post within a few days.
This then only has to be signed and returned with the required documents. As a rule, in addition to the last three salary slips, only a copy of your ID is required. Once all the documents have been received by the bank, they are checked again. If this check is positive, the loan amount is paid into the borrower’s checking account. On request, some banks also offer payment in cash.