Instant credit – where can it be found?

 

It is often only brief moments when it is decided what future life will look like. A friend calls and asks if you want to invest in a business idea, but the time window is limited. Or after an accident you have problems with your teeth, but the insurance does not cover the treatment. A loan is to be saved, if possible in the form of an instant loan. Many sufferers have a negative Credit Bureau, but there are also ways to get an instant Credit Bureau-free loan.

Instant credit: What does that actually mean?

Instant credit: What does that actually mean?

If you want to get an instant loan free of Credit Bureau, this means two things: Firstly, your own Credit Bureau entry should not be used as a decisive criterion for the question of whether you get the loan or not, and secondly, the instant loan should not be reported to Credit Bureau. Credit Bureau stands for protection association for general credit protection. This privately held data collection point creates a risk assessment for banks and other financial institutions when granting a loan, the so-called Credit Bureau entry. To do this, it uses the economic information that it knows about the applicant. This includes insurance, other loans or securities ownership. Whose Credit Bureau entry is negative, he has little chance of getting a loan if he doesn’t find other ways.

Immediate credit free of credit: the solution via salary, an internet bank or a guarantor

Immediate credit free of credit: the solution via salary, an internet bank or a guarantor

You can get an instant loan free of Credit Bureau if you present a guarantor to the bank who has sufficient Credit Bureau entry and agrees to stand up for the repayment of the loan if necessary. The financial institution consequently has a person to whom it can hold itself harmless and therefore, since it now has security, tends to grant the instant loan also without Credit Bureau. It is ideal if the bank knows the guarantor personally.

The guarantor may not even be needed if you have a very high salary and the weak Credit Bureau entry is only due to past sins. If the bank can recognize this, it usually overlooks the weak entry and nevertheless grants the loan. Anyone who does not have a high salary and knows no guarantor can contact a foreign internet bank. They often don’t check the Credit Bureau entry. For this, however, one should carry out an extensive comparison of the offers by means of Internet research and also include experience reports from previous customers in order to be able to assess the corresponding offer.

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