There are several ways to get a bank loan without advance payment.

There are several ways to get a bank loan without advance payment.

You can contact the lending bank directly or a reputable credit intermediary who does not require advance payment. Before deciding on one of these variants, you should make a comparison. This is especially true in the event that you want to opt for a credit intermediary. Here is the offer very large and not all of these offers are serious.

Loan comparison

Loan comparison

If you are looking for a bank loan without advance payment, you should first think about the loan amount you need and the maximum monthly installments you can pay. There are a variety of private credit intermediaries who have many years of experience and can help you even in difficult cases. A bank loan, like any other loan from abroad, is a non-Credit bureau loan, meaning that no Credit bureau statement is requested when you have applied for a loan and the loan is not passed on to the Credit bureau. So it is generally excluded that a bank credit without prepayment can negatively affect your personal credit rating.

Should a credit intermediary insist that you go in advance, this is almost a sure sign that this is a dubious credit intermediary. Reputable credit intermediaries do not charge money in advance. You will get an idea of ​​your current financial situation and then decide whether and to what extent it makes sense for you to apply for a bank loan.

In a credit comparison, you should look specifically for a credit intermediary. This will show you various credit brokers. These credit intermediaries are often based in Germany, but are very familiar with the credit market abroad and especially in Switzerland. If you have found a suitable credit intermediary, you can contact him directly. He will tell you in detail which documents he needs for a bank loan without advance payment.

As an alternative to a credit intermediary, you can also opt for a direct application to the lender. A bank loan for Germans is no longer available directly in Switzerland but from a bank. It offers various loan sums between 3500 and 7500 euros to choose from. In this context, it is very important to know that a bank loan is only available to employees. Even civil servants can usually get a bank loan without advance payment. For all other people, it is very difficult and often impossible.

Credit conditions

Credit conditions

Soulcredit Bank AG is responsible for the bank loan. Here you can put the loan application online at any time. This can also happen on weekends or public holidays. The processing of the loan application then starts on the next working day. It is not necessary that you hand in the loan application personally and travel to Liechtenstein. All formalities can be done conveniently via the Internet and from home or from any other location. You should know that because you can save a lot of money. A bank loan without advance payment is a matter of course.

For a bank loan, you must be of legal age and have German citizenship and a permanent residence. If only one of these basic requirements is not met, a bank loan is unfortunately not available. This also applies if you do not have a fixed income. An exception is, however, if you can find a guarantor or a second applicant for the bank loan without advance payment. This person must necessarily be an employee or civil servant. In principle, negative Credit bureau entries are not a hindrance because the Credit bureau information is not requested the maximum age for a bank loan is usually 62 years.

There are three different loan sums to choose from. You can apply for a bank loan of 3500 Euro, 5000 Euro or 7500 Euro. In addition, you can choose between an installment loan and a car loan. A installment loan, which is also referred to as consumer credit, is generally at leisure. With a car loan this looks different. He serves to finance a new car. This can be a new or a used car. Before submitting an application, you must make a clear decision as to which credit option you need. Should it be an installment loan or a car loan?

The term is uniformly regulated by Soulcredit Bank AG for a bank loan without advance payment. It is 42 months for each form of loan and for each loan amount. During this time, however, only 40 consistently high loan installments have to be paid. The first two months after disbursement from a bank loan without advance payment are redemption-free.
The amount of credit installments depends on the loan amount you choose. Another important role is played by interest rates. They are higher for a bank loan than for a Bank loan, as the risk of default is also higher. In general, you have to expect that you have to pay about 11% interest on a bank loan. The interest may also be slightly higher.

Credit bureau and credit rating

Credit bureau and credit rating

The key reason why so many Germans are interested in a bank loan is that the Credit bureau does not play a role in this loan. Even small negative entries can lead to a German bank loan that he must be rejected. This is regulated by law in Germany and the banks have little room for maneuver.
For a bank loan, the people have a chance, whose Credit bureau information is not in order and has negative entries. However, there should be no simultaneous entries in the official debtor directory, because then a bank loan without advance payment is impossible.

The entries in Credit bureau Information have a significant influence on how the creditworthiness and thus the creditworthiness of a customer is assessed. In Switzerland, however, no Credit bureau is known. This leads to the fact that no information is obtained from Germans. Here only the income for the credit plays a role. If it is secured in the long and medium term, there is nothing to prevent a loan in many cases.

 

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