Credit despite negative schufa; providers that really help

 

 

 

 

also possible with negative Schufa

also possible with negative Schufa

  • Start your loan request now (there is no contract yet).
  • After checking your request, the money is already in your account after 4 days.
  • You just have to accept our offer. If not, then not. No hook, no cost.

A negative Schufa entry indicates that the loan seeker has historically failed to meet at least one financial obligation. A prerequisite for the forfeiture of a negative contribution is that the legality of a claim is not doubted.

In the view of most consumers and many credit banks, an entry marked as settled also constitutes a negative Schufa, although the credit protection itself rates such a neutral entry. A negative Schufa complicates the borrowing, but does not exclude it completely.

We saw this here and thought of you:

We saw this here and thought of you:

Instant loan despite negative Schufa

 

Credit for negative Schufa

 

Credit despite Schufa entries

 

Sparkassen credit despite Schufa

 

Borrowing despite a negative Schufa entry

Borrowing despite a negative Schufa entry

Contrary to the assumption of many consumers, they can in principle take out a loan despite negative Schufa entry. While some of the banks actually reject any credit entry on an existing negative entry, other financial institutions check each individual case and grant the loan payment if the claimant can demonstrate that his overall financial situation has improved in the meantime. The bank is very likely to levy a risk premium on the interest rate for a loan despite a negative write-up, and the additional costs are borne by the borrower.

However, a precondition for the loan approval despite a negative Schufa entry is that this is a soft feature. The Kreditanstalt für Wiederaufbau (Reconstruction Loan Corporation) is particularly generous, with the state development bank granting loans in almost all programs, despite the fact that it has not been registered as a bad schufa, provided that this does not result in a registered personal bankruptcy. However, a precondition for the payment by the promotional bank is that the measure to be financed fits into a subsidy program.

As an alternative to the bank loan, if there is an existing negative bad debt entry, it is advisable to take up the necessary loan via a platform for private credit brokerage. The members registered on the respective websites as lenders pay more attention in their decisions to the stated purpose for the desired loan than to the creditworthiness data. These are available on the website, so that the private lender knows about the existing negative entry.

Borrowing from Swiss financial institutions

Borrowing from Swiss financial institutions

Swiss financial institutions pay a loan not only despite negative Schufa entry, but entirely without the participation of Schufa. They do not fetch a Schufaauskunft nor inform the German credit security about the cash payment. Thus, the loan of a federal money house for consumers offers, if they need a loan despite negative Schufa entry or even with multiple negative entries. Although a Swiss bank pays out the money, the loan is processed entirely in Euro.

Non-Swiss borrowing in Switzerland is therefore not associated with a currency risk for the client. A precondition for a Swiss bank’s debt-free loan is an earned income above the exemption threshold, whereby the bank only takes into account the earnings of the main employer and neither ancillary income nor child benefit. The size of the loan is generally limited to between € 3500 and € 5,000 (depending on the bank), but larger sums are accepted through a credit intermediary.

Make a non-binding loan request now

Make a non-binding loan request now

* Why not spend some more money on your account for your extra wishes or as a financial buffer.

 

also possible with negative Schufa

also possible with negative Schufa

  • Start your loan request now (there is no contract yet).
  • After checking your request, the money is already in your account after 4 days.
  • You just have to accept our offer. If not, then not. No hook, no cost.