The best loans despite schufa entry in comparison.
Those who need money, but have a negative schufa entry, often have a hard time. For people in this zwickligen there is the option to get a loan without considering schufa entries.
But beware: such loans carry a high interest rate for this purpose, which can create a financial risk. Depending on the investment project, they can find loans in the amount of 7.500 euros or even those in the amount of more than 100.000 euro. Which loan is right for you? Find out with the help of our test or comparison table!
Facts for comparison
Updated: 27.07.2021
Bon-credit
Auxmoney
Maxda
Creditolo
Smava
Bon-credit
Auxmoney
Maxda
Creditolo
Smava
- Cash payment possible
- Strictly confidential
- Instant approval and payment (24 hours)
- No indication of interest without registration
- Lending despite negative SCHUFA
- Lending to the self-employed
- No indication of interest without registration
- SCHUFA is checked
- Variable and free special payments
- TuV-tested
- Strictly confidential
- Income of at least 1.130 euro necessary
- Lending despite negative SCHUFA
- Discreet mediation
- Very strongly standardized
- Only 3 credit levels available
- Lending despite negative SCHUFA
- No information on interest rates without providing personal data
Bon-credit
Loans without SCHUFA purchase advice:
how to choose the right product from the above credit without SCHUFA test or comparison
- With a loan without SCHUFA, your debtor information is neither queried nor is a new entry created by this.
- The missing information regarding. Credit score you have to pay through increased interest rates.
- Beware of dubious offers. Not every lender wants to make a reciprocal deal.
The SCHUFA. Everyone knows the credit agency, which causes us a latent uncomfortable feeling before every move or major purchase. deutsche aktiengesellschaft stores data that provides information about our previous credit rating should betray. If we have not paid a bill or have fallen into arrears with installments, the respective companies or. Banks pass on this information to the SCHUFA.
Maybe you have already had this happen to you, or maybe you just want to avoid such information being collected and stored about you. For precisely these cases, loans are also offered today that do not require SCHUFA information. We have for you the best credit without SCHUFA found out.
1. Credit despite negative SCHUFA – does it exist??
Yes, loans are also granted without a prior check of the SCHUFA score. There are various options here:
1.1. credit from private
A personal loan does not have to come from the internet. family members may also be able to help you out.
For example, you can take out a private loan. This can be done either within their personal circle of family and acquaintances or via a so-called "credit check" online credit platform. Such online portals connect people who want to borrow money and people who want to lend money. The lender receives a certain interest rate from the borrower and the intermediary receives a fee depending on the loan amount.
With the large online credit platforms, such as auxmoney you have the opportunity to apply for a loan quickly and easily. Here, your SCHUFA data is retrieved, but it is not evaluated as strictly as with a conventional bank. Even the reputable platforms undertake to their lenders to check all potential borrowers for their creditworthiness in advance financial situation on their creditworthiness check.
However, only those people rejected, the one extremely bad score and therefore represent a considerable risk for the lender and the online lending platform.
These include the following features:
- The applicant is insolvent or insolvency proceedings are in progress.
- There had to be affidavit information is provided on the applicant’s own financial circumstances.
- The applicant is the subject of warrant of liability before.
- There exist titled receivables, d. H. An enforcement order became legally binding.
1.2. Swiss credit
data storage at SCHUFA
SCHUFA stores all information on bank accounts, mobile phone accounts, credit cards, leasing contracts, installment payment transactions, loans and guarantees. In addition, notices of termination, terms and payment problems are archived for all accounts. Arrest warrants, insolvency proceedings or declarations in lieu of an oath are also noted for a certain period of time and passed on as information upon request.
a so-called swiss loan does not necessarily have to come from switzerland. The name is derived from the particularly free banking culture of the alpine state from. In contrast to germany, many european countries have a credit reference bureau generally not. This means that banks from countries such as switzerland, luxembourg or liechtenstein can grant loans without such a check.
This does not mean, however, that a bank from liechtenstein or luxembourg will not carry out a credit check before issuing a loan commitment. These credit institutions also want to avoid a default on the loan at all costs.
Thus, although no information is requested from SCHUFA, a credit check is carried out on the basis of salary statements also the creditworthiness of the customer. If this rating is negative, they will also refuse you a loan, even though no SCHUFA query was made beforehand.
2. How to protect yourself from dubious providers?
beware of high interest rates – especially if your credit rating is poor.
The growing displeasure with SCHUFA AG has contributed in many cases to new providers of credit without credit history entering the market. Unfortunately, there are also some who take advantage of the cluelessness of their customers shamelessly exploit.
According to foundation warentest up to now, it has often been difficult to take action against such practices, as the licensing of financial intermediaries is linked to much lower requirements than for banks themselves. Whether a credit without SCHUFA is serious or not, you can recognize by these characteristics:
- it is required for no the borrower a regular income provided.
- The credit has very low interest.
- you will be asked upfront costs or fees to pay (sending documents, checking the application, consulting costs, etc.).).
- It is assumed that additional products such as insurances or investments completed become.
- The lender stands not in the commercial register (mostly evident in the imprint).
- There will be expensive and unnecessary consultations arranged.
3. How high are the costs for a loan without SCHUFA?
The costs for a credit without SCHUFA can eventually not called a lump sum because the interest rates are always calculated individually for the respective situation of the customer and also each bank charges different fees for the granting of a loan.
Generally speaking, loans that do not require SCHUFA information more expensive than conventional loans. The reason for this is that a lot of risk for the banks can already be eliminated by the information of the SCHUFA. If, on the other hand, this data is missing, the banks automatically assume a higher risk of default.
In addition, the greater processing workload resulting from the bank’s own calculations and assessments must be compensated for in addition. This costs in each case.
4. What are the requirements for a loan without SCHUFA??
A SCHUFA-free loan is granted quickly, but you must be able to pay it back again.
The requirements for a loan despite SCHUFA abroad are by and large no different from the conditions that are imposed on a borrower in Germany. You should therefore the following minimum requirements must be fulfilled in order for your application to be successful:
- You must have a permanent residence in germany present.
- You do not have to of age its.
- You must have a regular and fixed income have and
- You should be able to, collateral (real estate, car, assignment of salary, etc).) to be provided.
Tip: in our table above we have compared the best providers of loans without SCHUFA for you. We have paid special attention to the reliability, the expected costs and the overall performance of the lending banks.
5. When does a loan without SCHUFA make sense at all??
A credit free of credit history makes especially sense if you have a fixed income and your bank transactions preferring to do without services of the SCHUFA would like to use. You should have sufficient collateral or at least a guarantor or a banker. co-applicants can show. Also for self-employed there are definitely advantages, since a loan in germany is more difficult for you to get.
If you only small lapses in their SCHUFA-score If you have no credit history and therefore cannot get a loan from a domestic credit institution, you should not be afraid of applying for a loan abroad. The less stringent scrutiny creditworthiness in foreign countries can benefit you.
If, on the other hand, you would like to find a lender who has a credit rating above lack of creditworthiness will also be satisfied with a credit without SCHUFA no luck have. no reputable bank will extend credit to people who do not have sufficient funds to repay the loan in full and on time.
You should also refrain from using a swiss loan if you want to reschedule your old loans. On average you will almost always pay more than before.
6. How to apply for a loan without SCHUFA
Pay attention to the conditions of your credit agreement. unpleasant details are often hidden in the agbs.
The application for a loan despite SCHUFA is filled out directly online at all tested platforms. Provided you have answered all the questions about your person, you will receive a free and non-binding credit offer from a suitable bank in a foreign country, which would like to take over your financing.
if you agree to the terms of the contract, you will then receive the money either transferred to your deposited bank account or a cash payment will be instructed by the post office. Then it goes on as with any other installment loan also.
Here you will find further advice and comparisons on the subject of lending and financing:
7. experience with credit without SCHUFA
It is not easy real experience reports to be distinguished from those that were either written by the companies concerned themselves or by customers who, in the final analysis, did not get any credit at all. So romp in the net various experience reports around the topic of credit without SCHUFA, both positive and negative.
Often substantial interest charges reports that the borrower can no longer afford afterwards. Another problem that is written about again and again are advance costs or costly consulting contracts, which should be signed in the run-up to the financing.
Extreme caution is advised here! Take distance from banks or online platforms that have any costs or. Fees before the actual lending require. reputable providers will never charge you before a proper loan agreement has been concluded.
In our loan without SCHUFA comparison 2021 / 2022, we have included only those platforms that promise serious conditions and also adhere to them.
8. Conclusion and test winner
Taking out a loan is always associated with certain risks. Therefore it is advisable to advantages and disadvantages of a credit without SCHUFA once again to weigh against each other:
advantages
- No data is stored at SCHUFA
- house bank is not informed about borrowing
- No naming of the purpose of use
- With high income sometimes favorable interest rates
disadvantages
- risk of overindebtedness
- Partially low credit amounts
- Often only short terms
- Partly high costs for interest and fees
In our credit without SCHUFA test 2021 / 2022 could the provider bon-credit set yourself apart from the rest of the competition by the greatest distance. The online portal has already been 40 years of experience in the mediation of credits without SCHUFA and puts thereby largest value on discretion and confidentiality.
At bon-kredit, the interest rate for a loan despite negative SCHUFA depends on the loan amount, the term and the borrower’s individual credit rating. The better a customer’s credit rating, the lower the interest rates for a loan without a SCHUFA check.
With a maximum loan amount of up to 100.000 euros and the possibility of flexibly structuring the term of a loan, the online portal is convincing overall. Our credit without SCHUFA test winner therefore means bon-credit.
Our price-performance-winner , maxda can also many years of experience and corresponding seriousness in the mediation of credits without SCHUFA show. Although a maximum of credit amount of 5.000 euro be applied for, however, with this provider a early total repayment or suspension of rates possible at any time.
In addition TuV-certified intermediary FREE special repayments the loan is subject to the following conditions.
Before they apply now however for a credit without SCHUFA, should they in each case first start a SCHUFA query yourself, to bring in experience how high or. A low credit score with the credit agency actually means that. A credit institution that is aware of your full SCHUFA record will certainly be able to make you a better offer for a loan.
