Good to know! But it is z. Apply for a loan despite a bad credit rating. Our loan offers are just as different as the requirements and wishes of our customers are. B. Please note that the loan amount as well as the interest rate and other loan conditions depend on your creditworthiness. Every loan offer has advantages, but can also be associated with disadvantages.
Does it make sense to pay regular account management fees? Online banks in particular, but also some branch banks, now offer free current accounts. There are many reasons for a loan: to buy furniture or household appliances, a new car, or to finance your dream vacation. A Swiss loan is not always necessary. find more information If you switch, you can save the account management fees. In order to receive a loan, consumers must meet certain requirements – for example a regular income and a good Schufa score.
If another loan offer makes more sense, we will let our customers know – quite openly and honestly. But a change in the other direction is also conceivable if you have to pay numerous special services at your bank, which are already included in the account management fee at another bank. For people who, on the other hand, have a bad credit rating or a Schufa entry, finding a loan is not that easy. In many cases, our customers have opted for an alternative loan program (with Schufa). That is why you should also calculate this case so that you can be sure in the end with your new account that you are really paying less than before. However, the situation is not hopeless and there are numerous ways of obtaining a loan. We treat every customer fairly and recommend the loan that suits you best – with or without Schufa.
9.2 The service factor. In this post, we will show you how you can get a trustworthy online loan despite negative Schufa and creditworthiness – serious & without paperwork! Important information about Swiss credit. Another important factor when comparing different accounts is of course the service. Credit Despite Bad Credit: Options. Discreet and without earmarking The Swiss loan can be used flexibly – whether for a new purchase, a available replacement or a rescheduling. While with branch banks you only speak to an advisor during the week and only during business hours, with an online bank you often have the opportunity to reach an advisor around the clock.
In this section you will find an answer to the following question: How do I get a loan despite a Schufa entry or despite a negative credit rating? You alone decide what you want to use the money for. Of course, also on weekends, on public holidays and at night. We present four ways in which it is possible to get a loan despite a bad credit rating: Since no Schufa information is obtained for Swiss loans, nor is the loan request and payment reported to Schufa, borrowers benefit from absolute discretion with Swiss loans. Especially when traveling to the USA, Canada or Asia, i.e. to countries with a strong time difference, it is often important to have a contact person around the clock, otherwise the time difference can cause enormous problems when talking to an advisor want to speak. Schufa-free loan from a foreign bank. The Swiss loan is completely creditworthy.
In addition, it is of course possible that you feel that your bank gives you bad advice because, for example, you have been offered a loan that is too expensive or a credit card with too many services that are unnecessary for you. The first option is the Schufa-free loan. Neither the Schufa nor the employer nor the house bank will find out about your Swiss loan. In this case in particular, you should only consult our current account comparison, but ask around among your friends, because you can often only find out about good advice at first hand.
German banks work with Schufa and check your score and assess you accordingly – this is not the case with a foreign bank. Therefore, Swiss loans are particularly suitable as small “side loans” – they have no influence on current credit lines.