Who offers the best credit without Schufa with bad credit rating?
The credit score is at the bottom? Unfortunately, there is then usually no more credit from the bank. I'm sure pretty much all of us have experienced times when things weren't exactly rosy financially, because not everyone was born to rich parents.
The credit reports reported by Schufa to its affiliated banks are binding on German banks, so installment loans are (allowed to be) granted only very cautiously.
If the bank switches to stubborn and simply says "no
In difficult financial situations, in which a bank does not want to grant any more credit because of various financial misdemeanors, it has become very difficult or impossible in our networked age to get back on one's feet financially. Thus, under certain circumstances, it can happen to anyone, be it through personally difficult life situations or, for example, also through prolonged illness, to get into the downward spiral financially.
If the person concerned has now reached this point, the credit rating is likely to be "all the way down" for the next few years. "Normal" banks cancel immediately in these cases. And it is precisely in these situations that the (very last) possibility of applying for a loan without Schufa is offered to the person in the predicament.
Which lender gives such loans despite bad Schufa?
This form of financing is applied for far away from the house bank, a few years ago it was the Swiss lenders, but today due to court decisions are hardly active for Germans. More and more often we observe that these loans are granted like "normal loans" by special German small institutions.
The credit intermediary Bon-Kredit, for example, cooperates with some banks that used to operate only regionally and now finance Germany-wide with their offer. Banks that do not automatically compare the Schufa and also automatically send the applicant a loan rejection by e-mail.
These, as mentioned above, smaller, often owner-managed institutions weigh carefully whether the prospective customer is suitable for the desired loan.
Our recommendation: As an officially registered credit mediator, we would like to recommend our comparison winner Bon-Kredit, through which loans can also be requested without the use of credit information.
The provider has been reliably in the business of brokering for over four decades. Private individuals and self-employed persons are served.
The advantages of this intermediary in the loan without Schufa in summary:
- Can be applied for even in financially difficult situations
- No limit on the amount of the loan as with other intermediaries
- The house bank is not informed thus about this credit
- After disbursement of the loan is no entry in the Schufa
Keep in mind, however, that you must also have a sufficient income for the credit without Schufa to be able to pay back the monthly loan installments secured. This form of credit does not release you from the requirements regarding. Of the income required of an applicant.
So if an income is available, the loan can be applied for at Bon-Kredit. The amount of income should be as a minimum 1.100, – Euro amount. Below this value, a request makes little sense.
Our experience: the "no" answer from banks that have already been approached does not have to be the last word in every case, because often a suitable bank can still be found that is happy to finance – despite negative entries!
Use only the services of a reputable provider!