German banks are increasingly lending, which is not least due to the current low level of interest rates. However, there are consumers who do not get credit even in the current times. This is due to their private credit information, because this tells the banks how creditworthy a loan seeker is. Accordingly, banks in Germany only grant loans if the data has been checked by private credit and no negative entry is revealed. All consumers who have a negative entry must resort to a loan without private credit, which is not offered by German banks.

The credit despite private credit seems to have been on everyone’s lips for some time, yet still many consumers do not know what is behind the loan without private credit. The credit despite private credit is awarded by banks abroad, where the data of the private credit play no role, therefore, is also waived a query of private credit. But not only that, who applies for a loan without private credit information, can also be sure that this loan is not noted in the private credit, so that it is not additionally burdened or negatively affected. Thus, the credit despite negative private credit no future loans and financing at German banks in the way.

Credit without private credit from Switzerland

Credit without private credit from Switzerland

The loan without private creditauskunft is assigned in most cases by banks from Switzerland, therefore it is well-known to many persons also under the designation Swiss credit. In the meantime, however, other European nations have adjusted to the lending business without private credit, so there are also numerous loans despite negative private credit from Luxembourg, Liechtenstein or other European countries. Loan offers without private credit are similar, like a classic installment loan from a German bank. Thus, the borrower not only has to prove a firm and undeclared employment, but also a regular income that must be above the seizure limit. In addition, a borrower must be at least 18 years old and have a permanent residence in Germany.

If these requirements are met, nothing stands in the way of a private credit-free loan. Loan amounts of up to € 3,500 or € 5,000 can be applied for. The easiest way to do this is with the help of a credit intermediary, which can be contacted online, because he is not only familiar with the private credit-free loan, but also has contact with numerous banks abroad.