A credit without Credit bureau information and credit check is either not available or only available under difficult conditions. Under no circumstances should a person interested in such a loan contact a Cream bank or savings bank.
In Germany there are various legal regulations that make it necessary for all Cream banks to obtain Credit bureau information when applying for a loan. If you are looking for a loan without Credit bureau information and a credit check, you have to go different ways and look for a suitable lender abroad, for example.
Loans without Credit bureau
Most loans without Credit bureau come from Switzerland and are also available for German citizens. You should have a secure and regular income and should not be older than 58 years. The minimum age is set at 18 years. It is also necessary for the borrower to have a permanent place of residence in Germany.
The maximum amount for a loan without Credit bureau from Switzerland is in most cases 3,500 USD. This money is freely available and can be used not only to finance larger purchases, but also to reschedule other installment or overdraft loans.
Since the Capital lenders do not make a Credit bureau request, they usually ask for a slightly higher income than is the case with a loan from a Cream bank, savings bank. Under no circumstances should the monthly net income be below the garnishment exemption limit, which is legally stipulated both in Germany and abroad.
Credit intermediaries and personal loans
Many credit intermediaries who have been operating successfully on the market for years have good to very good relationships with various domestic or foreign lenders. For this reason, they can often arrange a loan if the situation seems hopeless. In this context, it is essential to pay attention to the seriousness of credit intermediaries, which would be recognizable, among other things, by the fact that they do not require any upfront costs.
If you are looking for a loan without Credit bureau information and a credit check, you could also find it in private friends or family. Here the credit conditions could be set individually. This affects both the payment and the repayment of the agreed loan amount.