Small loan without credit bureau with instant confirmation
If a small loan without credit bureau is to be accepted with immediate promise, unfortunately no way leads past foreign banks. Selected foreign banks have the credit bureaufreien credit exclusively for German customers in the product portfolio. The credit bureau information provided by the borrower plays no role in assessing the creditworthiness of a loan applicant.
The credit bureau-free microcredit, which is highly valued among German consumers, gives consumers with negative information about credit bureau the opportunity to borrow in spite of their bad credit bureau. All you have to do is prove that you have an attachable income from a permanent position. In addition, the non-credit bureau microcredit with immediate commitment is also an option for consumers who want to take out a loan that no other bank is experiencing.
A negative entry in the credit bureau plays no role for the foreign bank from Liechtenstein. The employees of Sigma Kreditbank AG inform themselves only in public debt directories. So it can happen that credit seekers who have submitted in court an affidavit, even here with their loan application will not succeed. As a matter of principle, loan seekers who apply for a small loan without credit bureau with immediate approval must prove their creditworthiness to the bank. As a rule, proof of permanent employment, which has existed for at least one year, and an attachable income is sufficient. Without income and without permanent employment, a loan without credit bureau is not available.
The credit bureau can be dispensed with
While credit bureau information from customers and their income situation are important for the lending decision of banks in Germany, Sigma Kreditbank AG in Liechtenstein pays the regular attachable income as a credit check. However, the credit bureaufreie credit is only awarded if the attachable income, a one-year permanent employment can be detected.
High risk for the bank – high interest rates for the customer
A small loan without credit bureau with immediate promise, which is best to apply for a credit intermediary, entails higher borrowing costs, as a comparable loan, which is offered by German banks. The bank can pay the higher credit default risk from the borrower by raising interest rates. In addition, borrowers have to pay a loan broker a commission for successful loan brokerage. This commission is not payable once. It is allocated to the monthly installment so that the borrower does not incur any additional costs in advance.
For whom loans without credit bureau are suitable
Many German consumers believe that debt-free loans are interesting only for borrowers who are not getting credit from the banks in Germany because of their bad credit bureau. It is not like that. There are many good reasons why a small loan without credit bureau with instant confirmation can be interesting for consumers with good credit and clean credit bureau.
If, for example, the credit bureau information should remain clean, because a mortgage lending is planned soon, the small loan without credit bureau with instant confirmation is just the right product. In a credit bureaufreien credit not only the credit bureau in advance is not obtained. The current loan is then not reported to the credit bureau. Despite ongoing small loan credit bureau information remains clean, so that larger loan projects can be easily implemented. In order to enjoy this advantage, it is also worth the additional costs.