When it comes to taking out a loan, banks and savings banks rarely understand fun. They do not get tired of advertising their products at every nook and corner so that they can give the impression that they can be used by any consumer. But if you then inquire about a loan, you quickly have to learn that the admission is subject to certain conditions. And if you can’t fulfill them, you’ll be sorted out.
The Credit Bureau must be right
Without a good Credit Bureau, almost nothing works in Germany in terms of contracts. Neither a telephone contract nor a loan can be concluded with a defective Credit Bureau. It doesn’t matter whether you have a very good income and additional collateral. If the Credit Bureau doesn’t fit, you’re not creditworthy. And the problems with borrowing begin.
A Credit Bureau-free cash loan as a temporary solution
Now there are some ways in which the Credit Bureau can be bypassed and a loan can be taken out despite all of this. One option would be a Credit Bureau-free cash loan, which can be taken out in different ways.
As a rule, a Credit Bureau-free cash credit is granted by private donors. Because traditional banks and savings banks would only overlook Credit Bureau if they had a co-applicant who had a good Credit Bureau and who took out the loan. However, if you want to take out the loan on your own, you should look for suitable offers from private donors on the Internet. Most of these can only be reached through credit intermediaries.
It is therefore important that the selection is made carefully. So you should make sure that no advance payment is due for the mediation of the loan. A Credit Bureau-free cash loan should always be accompanied by moderate interest and fees. At best, you can have a detailed offer prepared in advance, from which all these facts can be read.
A Credit Bureau-free cash advance from abroad?
As a rule, with a Credit Bureau-free loan you can find very good offers at foreign banks. Liechtenstein and Switzerland are very popular with customers in this regard. But good credit offers can also be found in Austria or other neighboring countries, which can also be taken up if you do not have a permanent residence in the country in question. And since Credit Bureau is not asked for such foreign loans, it is not noticeable that there are problems in this regard.
However, it must be taken into account here that a foreign loan will only be available as a cash loan if you travel to the relevant country and apply for the loan on site. Then the application can be accepted directly and the money paid out. If you do not want to do this, you can also apply for the loan from your home sofa. The banks have all websites on which the relevant forms can be found.
You don’t need a credit intermediary to apply from Germany. Once all documents have been filled out and sent to the appropriate bank, the money will be transferred to the specified account. It usually takes 10 to 14 days for the entire process to be completed.