You need urgently money and have a negative remark entry?
In fact, there are opportunities to get a loan, and that without remark information. The Internet nowadays offers alternatives for people with negative remark.
What are the options for getting a loan without remark?
In the last few years, many providers have emerged that specialize in a loan despite negative remark. There are no big differences when it comes to borrowing. A credit without remark differs only in that remark entries are not covered by the credit check.
Foreign banks grant loans without remark
Foreign lenders that can be found on the internet offer loans without remark. Of course, these are not banks like in Austria, Sweden or other EU countries. Mostly these are mostly foreign banks in Switzerland or Liechtenstein. These do not work together with the German remark system, which is why this type of credit rating is not checked.
Even individuals offer loans without remark
Meanwhile, there are also individuals who want to invest their money in something. Therefore, these wealthy people make themselves available and give loans to other people. No remark information is required for this. Depending on the type of loan and the amount you have to search for different lengths to find the right private person for a loan.
What do I have to do to get a loan from a private person?
In the beginning, only the loan amount and the reason for the application must be stated. Within 24 hours, a private person will be found who agrees to give this loan. Subsequently, personal data of the customer are given and the contract can be concluded.
Why do foreign banks or individuals offer such loans?
Although, depending on the provider, the effective interest rates vary, these are almost always higher than when a normal loan. Of course, banks are aware of the high risk of taking advantage of it.
Get out cheaper with credit comparison
If you are not sure which loan is the cheapest without remark, the interest rates can be compared on various sites on the Internet. This makes it possible to see at a glance how high the interest rates are at which term and rate. In addition, one can take a list of all reputable providers.
Can I make a loan directly online after requesting the loan?
For foreign banks, after a loan application and a positive credit check, you will have 14 days to reconsider the loan agreement. If you would like to accept the offer, you must send the previously signed COD documents signed. For personal loans, the procedure is a little faster The loan can often be paid as early as 1-2 business days.
Do I have to fulfill requirements?
Yes, because the risk is very high for these banks and individuals, certain conditions must be met.
- Minimum age of 18 years
- Residence in Germany
- Regular income
- Without permanent employment a guarantor is necessary