Credit without Credit bureau entry.


Anyone who has a negative entry in the Credit bureau will find it very difficult to take out a loan in Germany. Even if the advertising likes to suggest this: A negative entry in the Credit bureau is an exclusion criterion for a loan for Cream banks. Therefore, a loan without Credit bureau entry must be sought.

But this does not mean that there is no prospect of a loan without Credit bureau entry. Only in Germany it looks bad in this regard. Other countries, such as Switzerland, are much more open and do not grant their loans according to the Credit bureau, but according to different criteria.

A reliable partner in the field of credit without Credit bureau entry for 20 years

A reliable partner in the field of credit without Credit bureau entry for 20 years

For over 20 years, Switzerland has been providing loans that are not based on the Credit bureau. So it is better to see whether the borrower is honest and able to repay the loan than to cling to the scoring values ​​of an information file. And so a loan without Credit bureau entry by employees, civil servants and workers can be drawn on at any time.

However, the bank requires a solid and steady income for this. Anyone who only has a temporary employment contract or is under contract with a temporary employment agency will not receive a loan. In addition, a plausible proof of income must be submitted. At best, one works here with the pay slips, which not only show the salary, but also name the employer from whom this salary is received.

Applying for the loan directly from the bank

Applying for the loan directly from the bank

A credit without Credit bureau entry is possible up to 3,500 USD. Interest rates are usually close to the 10% mark and are therefore somewhat higher than at a Cream bank, but they also guarantee a real payment. This is done by transfer to a checking account.

Anyone applying for the loan directly from the bank in Switzerland can have the money paid out in cash even after approval. The installments are chosen so that they can be paid in small monthly installments. And if you wish, you can also take out insurance for the loan or name a guarantor.

Tip: Try to take out the Good lender loan without an intermediary. These only cost additional money and do not provide any guarantee that the loan will come about. It is therefore better if you personally contact the bank and clarify all the formalities directly.

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