One of the most important factors in granting a loan is creditworthiness. By checking your creditworthiness, the lender ensures that you are solvent and that he is not taking too great a risk when he gives you an immediate loan. So, as a borrower, a bad credit rating can be difficult for you. We at credimaxx® act as a credit broker and try to find the best solutions for you. Sometimes only a loan without a credit check can help you. But here are some important points to consider.
credit without credit check at credimaxx®
Credit without credit rating – even with a negative schufa score
You need an immediate loan, but you know that your creditworthiness is not optimal? Today you can often get a mini-loan without a credit check. If the credit rates are not too high, credit-free small loans are also possible. However, these are not offered by every lender. We at credimaxx® will search for a suitable offer for you.
How do I get a loan despite negative schufa?
Problems with liquidity can always occur. It is not uncommon for unexpected moments to arise when you need money quickly. Most banks do not give a loan despite negative schufa because of the increased risk. But even if your credit rating is not optimal, credimaxx® can help you.
This is how you benefit from a credit without a credit check from credimaxx®
Your credit request with us is always credit free. If you first want to know what offers there are for your net loan amount, you can simply submit an application for an instant loan with us. You as a borrower enter the relevant data for it. After your credit request, we search for the most suitable credit provider. We have been active as a credit broker for a long time. We have a large network of partner banks from which we can inquire about your credit amount – without any processing fee.
Depending on the amount of the loan, the conditions for your installment loan can vary. This applies to the monthly installment, but also to the interest rate. At credimaxx® there is the option to get a credit despite negative schufa. However, before a credit agreement is issued, you can still compare different offers.
One of the biggest advantages of credimaxx® is that you can compare credit offers at your leisure. A comparison is also important for a loan without a credit check.
Tip: have you taken out a loan without a credit check with quite high interest rates a long time ago?? If your financial situation has now improved, a debt restructuring is recommended. You can reduce the loan amount with a debt rescheduling loan. After a credit check, other lenders may be able to offer you better conditions.
When will the loan be paid out without credit check?
With a personal loan you can no longer cover the costs incurred? A loan without a credit check or a loan despite schufa can be a good way to go. After you have submitted your credit application and decided between the different types of credit, we will send you various offers. Choose the right installment loan.
Tell us about your credit decision. Now the legitimation is still necessary. The legitimation can be done via postident or also via videoident. the advantage of videoident is that you can complete all the requirements much faster here. After the confirmation is made, the credit amount is paid out within 24 hours.
We are also happy to advise you on all your questions about the loan.
The role of schufa in a loan without a credit check
If a credit check is carried out, the lender sends an inquiry to the schufa. Credit seekers usually sign a declaration of consent that the request can be made. This is a normal procedure at most financial institutions, and it is not uncommon for the interest on the loan to be based on the result. If you make a condition inquiry about credimaxx®, it is still a schufaneutral inquiry.
The situation is different if you have opted for one of the credit offers. Now usually follows the credit check. Here it is looked whether negative features are in the schufa. A negative entry does not mean that the credit will not be approved. However, it can influence the credit conditions for your desired loan. If your payment history shows several gaps according to schufa, it becomes more difficult.
An over-indebtedness is quickly present. You may have done business with loan sharks and run into payment difficulties. Car financing where the installments are not paid, leasing contracts or mobile phone contracts also lead to a bad infoscore if these are not paid on time. If a dunning procedure is initiated against you, a note is made with the protection community. Not all payment difficulties are listed in the credit bureau. A private insolvency is noted here but quite sure.
Up to a certain schufa score the lender goes with. If you are below the effective interest rate, the loan can no longer be approved. In the case of a loan without a credit check, they only look to see if you meet the requirements.
This is usually a minimum income (proven by a proof of income) as well as a minimum period of employment. What is meant is the net income. In your self-disclosure, you must state whether you have any other liabilities or whether you would like to reschedule your debt. It is possible that the interest rate on your net loan amount will change. the effective interest rate increases if the credit check is waived.
credimaxx® offers the credit despite schufa. A credit check is carried out here. However, if this is not optimal, you can still receive your loan amount. Your current income and collateral for the loan, such as home savings contracts or residual debt insurance, are particularly important. If you have any questions about credit protection, feel free to contact our credit consultants.
What do my offers look like?
Credimaxx® is not like other comparison portals. We are a credit mediator, through which you can get various offers for a bank loan. To make sure that the online loan is right for you, the offers are broken down precisely. They are based on the price indication regulation (pangv). All costs and conditions for the immediate loan must be noted here. It does not matter whether you need a follow-up financing, look for a vacation loan or plan a debt restructuring.
The credit costs consist of preliminary costs, processing fees and the effective interest rate. The effective interest rate is often taken as the basis for the decision. But do not underestimate the other credit costs. Also make sure you have a good credit period. Before taking out a loan, you can look at a budget calculation to see how high your repayment installments may be.
Excessive interest rates are not uncommon, especially for a loan without credit check, but are often called unjustified. Even if it sounds tempting to get an express loan, you should always read the contract documents properly. We have a long experience as a credit mediator and pay attention to fair conditions and basic conditions.
Tip: if you want to have the option of paying off your remaining debt with a special repayment without an early repayment penalty, you should also look at the specifications in the loan agreement here.
Apply for credit without credit check online now
Your credit application for the instant credit despite schufa you can redeem with us quickly and easily. To do this, simply follow the steps below:
Step 1: note your credit request for the lightning loan in the condition inquiry.
Step 2leave your contact details and indicate everything that makes it clear that you do not expect to default on your payment. When applying for a loan, you can also send in bank statements, proof of term life insurance or other proof of insurance coverage.
Step 3: still note your account data. We at credimaxx® will check your application and let you know if something is still missing. Then we keep you up to date on the development.
Who needs a loan without a credit check?
Dubious loan providers have found that over-indebted people often take out overpriced loans because they are desperate. These are mostly people whose credit rating is not optimal. Sometimes too many orders from mail order companies or even a few defaults are enough and you no longer have a good schufa score.
It is precisely when it comes to rescheduling debt or consolidating existing liabilities that things get difficult. Instead of relying on the dispokredit with double-digit interest rates, an immediate commitment for a loan is the better solution. This is where the credit without credit assessment comes into play.
There are also fair lenders who offer a loan despite schufa and with affordable interest rates and good conditions ensure that you can pay off old debts and slowly take a path to freedom from debt.
credimaxx® will gladly advise you on questions and problems concerning your financing.
