A credit without Credit bureau and creditworthiness is increasingly required. This has many advantages and also helps people who do not have a good credit rating. The Credit bureau is there to register all payment failures, loans, cell phone contracts and the like.
Banks access this data to check creditworthiness. Many already fail here because many have too many negative entries, so a bank is unwilling to grant a loan. Therefore, the credit without Credit bureau and credit rating are very popular.
Requirements for this loan
People who have a fixed income and a secure job can apply for a loan without Credit bureau and creditworthiness. Foreign banks generally require that the employment relationship has existed for at least two years. The income must be attachable so that it can serve as security for the loan.
If, for whatever reason, the borrower is no longer able to pay the installments, the bank can request a garnishment of the wages and thereby get back the loan amount. The applicant must not be under the age of 18, must not receive income from self-employment and must be resident in Germany. If these conditions can be met, a loan without Credit bureau and creditworthiness can be applied for.
How can I apply for a loan?
The applicant does not have to go abroad to apply for the loan. It is enough if he finds a credit broker on the Internet who works with foreign banks. This will collect all of the applicant’s data and pass it on to the bank. This then checks the data and then decides whether to grant or refuse a loan.
The credit broker charges a fee for his work, which must be paid after the contract is signed. Since there are many credit intermediaries, there are also different levels of this fee. A comparison can help you find a cheap loan broker. The offers received by the applicant should also be compared.
This is the only way to find a cheap offer and you don’t have to pay too much. With a large loan amount, the savings can be several hundred USD, so it is definitely worthwhile. As soon as a loan agreement is signed, the money is signed into the borrower’s account. As a rule, this does not have to specify a purpose, so that it can spend the money for different purposes.