Among other things, the banks earn their money by lending money. Normally, lending is also possible without any problems if credit applicants are creditworthy. For this purpose, the bank’s credit applicants must be able to prove a regular income and a permanent position. If they can, they will fulfill the best conditions to get a loan.
In connection with the credit check, however, banks are still catching credit bureau’s information from credit applicants. If the credit bureau is in order, the lending is actually nothing in the way. However, if the credit bureau information is negative, it will certainly be rejected by the bank. If a loan applicant has a negative credit bureau, the banks assume that they will most likely not repay their installments from the loan agreement in accordance with the contract. The risk of a credit default is too big for them. As a result, the loan application is refused. An alternative would be the credit without credit bureau from abroad.
Alternatively apply for Swiss credit without credit bureau without pre-payment
Private credit intermediaries offer their services online for a non-credit bureau Swiss loan without a cost. Banks that lend to customers even with negative credit bureau loans are mostly based in Switzerland. These banks provide their loans only through the income and permanent employment of the borrowers. Unfortunately, the possible loan amount is very limited. For the so-called credit bureau-free Swiss loans, the loan amount is only either 3,500 or 5,000 USD.
These schail-free loans can be applied for by German consumers through a loan brokerage. Possible pre-costs then play a role here. There are some frivolous lending companies that require pre-orders for their brokerage services from the customer. Loan seekers have to pay money in advance to the agent, without receiving any consideration. For this reason, German customers who intend to take out a credit bureau-free loan should take care that they request a Swiss loan without credit bureau without any pre-payment. The credit intermediaries are, of course, entitled to have their services remunerated through a commission. However, this commission for the successful mediation is only due when it actually comes to credit brokerage. By no means every consumer who applies for a loan without credit bureau gets the desired loan at the end. The creation of an offer should be free of charge and without obligation.
Pay attention to the integrity of the agent
Loan seekers should take their time. Before they turn to any credit intermediary who promises credit even in difficult or hopeless cases, they should do research on the Internet to filter out the “black sheep” in advance.
If it allows the creditworthiness of the loan seeker, it is not a problem to get a Swiss loan without credit bureau without a cost through a credit intermediary. However, this loan will always be a bit more expensive because the interest rates are higher than the interest rates for comparable loans from German banks. In addition, a mediation commission is payable to the mediator, which once again increases the cost of the loan. The commission is, however, allocated to the monthly installments, so that in advance for the borrower no additional costs.
A loan without credit bureau offers itself in case of negative credit bureau always when there is no guarantor, which could additionally secure the credit, or if third parties should not be charged. If you only need a small loan that does not exceed $ 5,000 in height, a Swiss loan without credit bureau, without a cost, can be the perfect solution if you can afford the installments.