A credit without a credit check at credit bureau is not available from a German bank, but only from a foreign bank or private lender. There are many reasons why people attach importance to not making a request to the credit bureau for a loan application. There are often negative credit bureau entries that make borrowing more or less impossible.
These may already be minor entries such as a payment overrun or non-compliance with a closed contract. Serious negative entries are dunning or enforcement orders, a sworn affidavit or a private or standard insolvency. In these cases, lending on the part of German banks is always excluded, regardless of how high the income of the borrower is.
Basically, a credit comparison should always be at the beginning of all considerations when it comes to taking a credit without credit check at the credit bureau. In doing so, you should concentrate on providers who do not ask credit bureau for information. These are both private credit intermediaries as well as private lenders or foreign lenders. All German banks, savings banks or Volksbanks are generally not eligible as lenders. There is a credit bureau request mandatory.
For a credit comparison, you should use the Internet. There are various credit comparison portals on which you can get a good overview of who offers a credit without credit check at credit bureau on what terms. Finding a suitable loan does not take long and can be done 24 hours a day, 7 days a week, anywhere. In addition, you can rest assured that the offers presented on a credit recruitment portal are always up to date. If the offers change, a corresponding change will also be made to the credit intermediation portal.
Many lending portals can greatly facilitate search by providing a loan calculator for their customers. It is very easy to use and generally free. The results presented are in line with your search criteria. However, they commit to nothing and serve only for orientation. If you like one of the offers or several offers, you can go directly from the credit comparison portal to the provider’s website. There you will get more information and, if you wish, you can then submit the loan application directly.
Personal loans can be obtained in the private circle of friends, with relatives or via a credit intermediation portal. Here only in the very rare cases a credit bureau information is requested. In principle, however, you can assume that a request from credit bureau in the context of a personal loan is not customary.
Individuals who are willing to lend will rather be guided by how high their income is and whether they are generally able to repay the loan as agreed. A personal loan always represents a vote of confidence that you must not disappoint. If you are ever unable to meet your repayment obligations, it is very important to contact the borrower immediately and explain the situation to him.
Private credit intermediaries
Private credit intermediaries enjoy great popularity with many people who can not get a traditional loan and are looking for a credit check without credit check with the credit bureau. Private credit intermediaries may be domiciled either domestically or abroad. Many of these credit intermediaries already have years of experience or decades of experience in their field and can often help in difficult cases and find a suitable lender willing to grant credit without a credit check at credit bureau.
However, there can be no guarantee. Anyone who claims otherwise is dubious. The same applies in the event that you have to pay any upfront costs if the borrower is to act for you. This is always an alarm sign. Here you should refrain and look for another, more serious alternative.
Like any other lender, a credit intermediary will examine whether and to what extent you qualify for a loan. In the case of a non-credit check at credit bureau, it is very important that your income is high enough to allow you to pay the loan installments without risking your livelihood. If you are the sole borrower, you should have an income in excess of the seizure privilege. If this is not the case, you usually only have one chance at a credit check at credit bureau if you can find a second applicant or a guarantor. Persons who are eligible for this, however, must meet the credit requirements.
There are some foreign lenders that also offer your offers to Germans, provided that you meet the requirements for a loan approval. The German citizenship and a permanent residence in Germany are indispensable. The minimum age is 18 years old, but can be upwards, but no limit must be set. Representatives of the older generation should deliberately look for a credit line without credit checks at the credit bureau, where there is no age limit.
A loan from abroad, regardless of where the credit comes from and who the lender is, is always a credit without a credit check at the credit bureau An institution that is comparable to the German credit bureau, does not exist abroad. Therefore, the foreign banks do not ask credit bureau for information from either their native or German creditors.
The minimum income for a loan without a credit check at credit bureau is in the vast majority of cases a net amount of 1150 Euro. This amount is required to have enough room for payment of credit and living expenses. If your income is slightly lower, you still do not have to give up hope. For some foreign banks, borrowing is possible.
As a rule, only smaller loan amounts of several hundred or several thousand euros are available abroad. The upper limit is about 5000 euros. This applies both to an installment loan and to a car loan, which can also be applied for abroad. The repayment of the loan is always in installments. The amount of these installments depends on the duration, the loan amount and the interest. The interest on a loan without a credit check at the credit bureau may be slightly higher than the interest on a loan that comes after a credit bureau request.