Take out Bad credit loans guaranteed approval
The search for an installment loan can be a problem because many banks simply reject the request.Our company helps with a loan despite bed credit history, so you quickly get fresh money on the account.That possibly other providers have already said no and that your home bank may not want to give you a loan.
✓ Installment loan
✓ Already over 100,000 disbursed loans
✓ Guaranteed no cost
For decades, we have been recognized experts in bad credit loans with the best contacts with domestic and foreign lenders.In addition to banks in USA are also among our partners.Therefore, we can also offer you loans without pre-payment.That’s why we’re working hard to give you loan.
✓ Uncomplicated payout
You get your credit entry directly on the account – for free use.
✓ Discrete processing through experience
We help even in difficult times discreetly and quickly to convenient credit .
Credit at a glance
✓ Emergency loans for workers in Germany aged 18 and over.
✓ The perfect extra credit: no Schufa information and no Schufa entry.
✓Strictly confidential:Your bank and your employer do not learn anything about credit .
✓Fast pay-out for free use(eg rescheduling, book-stop,holidayloan,carloan, furniture loan …)
✓ The quotation for your loan is absolutelyfree.
Often the best solution: credit despite Schufa
However, it gets even better:you can often get even with negative features a bank loan despite Schufa.Such “normal” loans are more flexible and cheaper than debt-free financing.We have already been able to find credit for tens of thousands of customers with Schufa and prove every day that a rejection of the big, “classic” banks does not have to mean anything.Clever consumers can easily get their credit online with or .And as a test winner with over 99 percent customer satisfaction, Bon-Kredit is without a doubt one of the top addresses in terms of online loans and despite Schufa.
✓ Instant Commitment, even if others have declined
✓ Free credit offer by mail and post
✓ Experienced credit counselor as a personal contact for your questions
Credit even with negative Schufa
To understand why a cheap instant loan is possible even with negative Schufa, it is worth taking a closer look at the Schufa and their way of working.The Schufa is not an authority or a government agency, but a privately organized companyin the form of a public limited company.Among the most important customers are banks that expect the most reliable statements about the creditworthiness of consumers from Schufa.Classically, the Schufa information plays an extremely important role in the credit check.This goes so far that with the known group banks a request in practically real time and completely automatically rejected, if the Schufa score is too low.Affected consumers thus do not get the chance to prove their creditworthiness and, for example, to submit details of their income or existing assets to the bank.
That would perhaps still be understood if the data of the Schufa were beyond any doubt – but they are not.On the contrary, an investigation commissioned by the Federal Government came to the conclusion not too long ago thatalmost 50 percent of the stored data is outdated or incorrect.And what do most German banks do with the information that virtually every second Schufa entry is wrong?They ignore this recognition with regard to lending and stick to their position: “A credit with Schufa entry is not possible”.
The logical consequence:Hundreds of thousands of people seeking a loan with Schufa fall through the grid at the big banks – even though they can easily afford financing.Many sufferers collect one cancellation after another for alleged lack of creditworthiness and are convinced that only a loan comes into question for them.
Bon-credit says: In fact, a loan information can be the solution, if in other ways really no financing commitment is to receive.Very often, however, our credit experts manage to offer a significantly cheaper loan despite Schufa.Therefore, a Schufa entry or low Schufa score is no longer an obstacle to an instant loan for your loan request.
Borrowing money despite negative Schufa works so well.How and why, we explain to you on this page.You will also learn all the prerequisites that you should fulfill in order to take credit with Schufa.If you want to find out right now which online loan with or we can offer you, get your free quote here.This request is completely free for you as an applicant.
Credit – you should know:
In many cases, you can over Bon credit even with negative Schufa entries get a “normal” instant loan (with Schufa) – even if others have already rejected.
Loans with Schufa are generally faster to process and usually offer cheaper interest rates.That’s why we always use all possibilities with Schufa.If we do not get a commitment for you in this way, we automatically check the non-schufa credit as an alternative.Again, you will receive your personal offer always100 percent free.
Bon-Kredit negotiates for you the best credit – gladly also as a loan , if your loan as normal credit is not to realize.
PAYMENT OF RATES WITH AND
Take credit despite Schufa: your chance of credit with and without information
The Bon credit success recipe for over 45 years:We know the banks, which also give credit with Schufa entry, so realize the cheap loans despite Schufa.Which bank gives credit despite Schufa?These are not the money houses that spend millions on television advertising.And you will not find the institutes in smart new skyscrapers at exclusive addresses.Our banking partners, who have specialized in online lending many times, keep their costs deliberately low in order to be able to offer customers with a slightly lower credit rating or “cheap Schufa” the best possible lending rates.They focus on uncomplicated lending to as many applicants as possible.
The key to success lies in the type of credit check.In this case, a loan differs only insignificantly from a loan with Schufa.On the one case as in the other case, it is about the question of whether the borrower can afford the desired loan.
The most important prerequisite for a loan is a fixed salary, which ensures regular receipt of money in the account.The portion of income left after deducting the fixed costs of rent, food, insurance, car, etc. is available for the payment of credit installments.That is why this “free” part of household income revolves around the credit check.
You can make a loan with Schufa or borrow money , but you can not get proof of a sufficient income.Therefore, for example, reputable credit intermediaries do not promise loans for the unemployed and no contract for housewives or students.Because in these cases, the income for the repayment and thus for a loan commitment is simply not enough.Therefore, there is also a loan only for those with a regular salary in sufficient amount.Anyone who claims that a schail-free instant loan without proof of income would be possible, certainly not one of the reputable credit intermediaries.Each credit institution is legally required to verify the creditworthiness of each applicant.
When you apply for your online loan through the credit counselor Bon-Kredit, you benefit from a decisive advantage: you’re asking for a loan and a loan with Schufa at the same time.Unlike many other intermediaries, we can not only offer either a loan with Schufa or a loan – we can do both.And we go the necessary steps in exactly the right order.This will not work on a pure loan request .
Because we always have the most advantageous solution in view for loan seekers, we first look for aloan with Schufa without any cost.Even if you think at that moment that only debt-free loans are eligible for you, we will negotiate with the banks first of all about a regular loan, despite Schufa, and you would be surprised if you knew how often we get such a loan with Schufa Can realize entry – how often consumers with our help so receive money despite Schufa.
Can you imagine what a beautiful and almost triumphant feeling it is for our customers when, after a harsh departure from their own bank, theysuddenlyholdthe loan approval of another bankin their hands?And what joy comes when it is even a normal loan with Schufa entry?
Tens of thousands of times, we have succeeded exactly this “triumph”.Countless letters of thanks from enthusiastic customers and extremely positive reviews on the consumer portal eKomi are visible signs of this success.So you see,it does not have to be a loan just because they have one or two entries in the Schufa.You can take a loan despite Schufa if you have the right partner by your side.
However, this note also belongs to honesty: Sometimes our credit experts just do not get on with the negotiations with domestic lenders.Cheap loans despite Schufa then seem unrealizable.Sometimes it is due to any detail in the Schufa information, sometimes there are too many loans in progress.That would be the point at which a less committed loan broker would shrug and turn to a “lighter” loan application.With Bon credit we turn but then really up.Because we still have (at least) a plan B in stock with the loan .Schufa loans are characterized by the complete waiver of a Schufa query, and after the payment of the money is also no Schufa entry.It may be that your best credit is awarded .And if that is the case, you will receive a corresponding loan offer with term, loan amount and monthly installments without any pre-charge.However, if a loan with information and entry is the better choice for you, we offer you this loan.
What does credit mean for banks?First of all, certainly a higher risk.It is therefore obvious that the interest rates for non-Schufa loans are higher than for conventional loans.Although this is a disadvantage that is honestly not to be dismissed from the hand – but loses importance in view of the fact that a cheaper loan is simply not possible.So if you really need the loan amount or in any case would like to, he will probably bite into the “sour interest apple” and take the money.At a minimum, every consumer should be able to make such a decision to borrow.Because this is our firm belief, at Bon-Credit we refuse to take credit for a Schufa loan entry, but are working hard on a no-Schufa loan with no upfront cost as a quick-to-implement alternative with immediate payout.
Fast and discreet: swiss credit with instant confirmation
The so-calledSwiss loanis a loan , and owes its name to the fact that the most important banks offering money were for a long time based in Switzerland.Meanwhile, the topic of borrowing money is Sigma Bank from Liechtenstein’s most well-known address – but the term “Swiss Credit” has survived until today.Sigma Bank AG, along with many other lenders, is one of Bon-Kredit’s long-standing partners.Which bank is the best for you as a lender, we check in each individual case individually.
Whether a Bon credit or a loan with Schufa is the optimal choice for you: We take care of your free offer, coordinate the entire process and strive for a quick payout.
A loan information brings with it a bit more “bureaucracy” compared to a traditional loan.This concerns in particular the transmission of the necessary documents.When it comes to schufafreie loans, the now quite usual photographing payroll or account statements is unfortunately not enough.Instead, the originals must be sent by post instead.Of course, you will get back your documents after processing, but this type of processing requires just a little more time.
Moreover, the requirements for an online loan are “stricter” than for other loans.
- Thenet incomemust be at least 1,200 euros (for a schufafreien credit over 3,500 euros).
- Higher sums of money require a correspondingly higher salary.The minimum amount for schufafreie loans in the amount of 3,500 euros at 1,660 euros.
- For loans over 7,500 euros, at least 1,860 euros net monthly income are required.
These basic data for the income are not negotiable, but are so specified by the bank.Even at the age limit (at most 62 years on receipt of the loan) there is nothing to shake.Other requirements of the bank, which lends credit, refers to the length of affiliation with the company:
- If you want to get money , you have to be employedby your employer for at least one year.This concerns the schufafreien credit over 3,500 euros.
- With financing amounts of € 5,000 and € 7,500 respectively, the requirements of three and four years are also stricter in this area.
German workers who meet the aforementioned conditions for borrowing have a good chance of getting a loan without a Schufa exam as a personal loan.A quick settlement of the Swiss loan is possible, so that the money can already be in the account after about a week.The payment will be made as soon as the signed contract and all other documents have been received by the bank.It is important that all evidence (especially on the amount of income) to the information from the online loan application fit.This avoids time-consuming demands, and the money can flow faster.
Borrowing money also means the highest degree of discretion.If a loan is provided free of debt, no information about the loan arrives at the Schufa, so the financing remains completely invisible to third parties – it is not more discreet.Incidentally, this is also the reason why loans are popular additional credits (in addition to existing loans).Ongoing financing is just as little affected by the loan information as future loan projects.If, for example, you take out a loan and want to get a loan with Schufa in one year, you do not have to worry that the loan will affect your credit rating for a future loan application.The repayment of the schufaneutral private loan is in manageable monthly installments, which leave enough financial leeway.
Schufa-neutral loan request receives your credit rating
Negative entries at Schufa can severely affect creditworthiness.Under certain circumstances, however, even simple requests for an instant loan are problematic.The negative effects are faster than many consumers think possible.Special stumbling blocks hide in the credit comparison before the conclusion of a loan.Basically, different loans with and to compare with each other, makes sense in any case.Only in this way can finally find out which bank gives the required amount of money at the best interest.While the goal is clear, there may be some mistakes along the way.
In particular, a large number of late installment loan requests at various banks are becoming a problem.Blame is the close connection of the German banks to Schufa.
- Every time you apply for installment credit online or in the branch at any bank, the money house collects information about you from the Schufa.
- If this happens once or twice, nobody bothers about it.
- However, if you – reasonably – contact a larger number of banks to really find the best terms, your search will quickly turn against you: The accumulated instant loan applications may worsen your credit rating.
- And a lower Schufa score means at least worse terms for your loan, but often even the complete end to your desire for a installment loan.
You can avoid this danger if you know the background and set the right course.Our recommendation: Do not start one loan request after the other on your own, but let different instant loans by experienced experts at a good credit intermediary compare.With a single loan application, you can reach up to 20 different banks, which grant loans and loans with Schufa.Also for the banks, which have specialized in credit with Schufa entry, Bon-Kredit takes at the Schufa only a condition request.This is a big difference to the “normal” request, because the condition request isabsolutely schufa-neutral.It will not be visibly stored for third parties and will be deleted after ten days.And it does not affect your credit rating.
This means for you:With your request at Bon-Kredit you can find cheap loans or Schufa, let up to 20 banks work for you – and thereby guarantee that your Schufa score remains unchanged, because it is de facto a loan request entry.If you end up with a debt-free loan, even the complete loan is schufa-neutral.
Also for the installment loan applies: Guaranteed no cost in advance on credit card
There is a golden rule for online credit searching, which is just as important for bon credit as it is for credit with schufa: never pay in advance to a credit intermediary or a bank.Reputable credit brokerage always works without any pre-charge costs – as has been the case with Bon-Kredit for decades.We only receive commission from the bank when your personal loan is paid out.So you as a borrower and we as a credit broker have the same goal and pull together.
Unfortunately, there are also less reputable “credit intermediaries” who actually do not deserve this term.For they are in truth not about actually finding a financing for their customers.Instead, companies want to collect fees or sell different services.Your actual goal as a prospective loan, ie taking out a loan with or , you do not reach with these companies.They only lose money but do not get credit.
That’s why our urgent advice for serious lending:
- If an alleged credit intermediary presents you an invoice in advance, sends documents by cash on delivery or wants to force you into a (naturally paid) “club” – then break off the contact,
- do not sign anything and, above all, pay a penny.
- If you have already “ordered” or “bought”, then you use your right of withdrawal.
- You will receive expert advice and support, for example from the Consumer Centers.
Experience shows that especially in the case of loans , the risk is above average to get hold of dubious providers.This is certainly synonymous with the fact that many interested parties have previously been unsuccessful looking for a loan with Schufa.Cancellations by various banks create a sense of disappointment and desperation – and in this situation, many consumers are prone to dubious advertising promises.Their money seemingly already in mind, they do not look at the details and go to a rip-off on the glue to get a seemingly safe schufafreies loan.
Bon-Kredit has been campaigning for these practices and is steering against them with a broad-based information campaign.We know consumer advocates, Stiftung Warentest and many other renowned players by our side.A loan is just as reputable as a loan with Schufa – provided everything is handled properly and correctly.This is what the name Bon-Kredit has been for many years.And over 99 percent positive customer reviews prove that we live up to this claim every day.
Take out credit : How to get your loan
When looking for a loan, it should not be so important to you, first of all, whether you make a loan free of debt or with a Schufa entry.The decisive factor is that you receive the desired financing amount at the lowest possible interest rates.
The first step on the way to your loan with or is therefore the identification of the financial needs.So, find out what you need to settle for open invoices, to clear your account, or for planned acquisitions.Enter this amount into the credit calculator of Bon-Kredit and then see a second later, with what monthly rate you can expect approximately.Please understand the result of the loan calculator as a non-binding sample calculation, which provides you with an indication of your planning – and not already as a final loan proposal.
If you are looking specifically for a loan information, this note is important to you:
- You can not get more money , no matter how high your income is.
- So, if you are planning a project with a financing volume of 20,000 euros and are only looking for a loan without a Schufa examination, then this plan will not work.
In this case, we would also recommend a free request to Bon-Kredit, during which we examine the chances of aloan with Schufa.The plan to “take out a loan ” remains in the aftermath still possible – albeit with a smaller loan than possibly originally desired.
Credit and credit despite Schufa with only one request
You’ve already learned that a Schufa loan entry offers some benefits in terms of flexibility and cost over non-schaffled loans.You also know that Bon-Kredit therefore always looks for a loan with Schufa.That’s why we ask you to approve the Schufa query every time you make a credit request – even if you actually want to apply for a loan .It is incompatible with our claim to reputable credit brokerage work to offer you only the second best installment loan.That’s why we always check whether a cheap loan with Schufa can be realized for you.If so, you get your funding quickly and at particularly advantageous terms.
- Should we find no credit with Schufa listing for you, our credit experts will automatically start looking for aloan .
- You donotneed tomake another requestand do nothing else.
- With Bon Loan you can securewith just one request the chance of both a loan installment with Schufa and a loan – depending on which option is the better for you.
The fact that we can swiftly move from regular credit to the non-commissioned alternative when needed means you have a clear time advantage.In the “case of the case”, they do not have to send another loan application anew and submit a loan request .Instead, you will often automatically receive your offer for a loan within a few hours.
Our often very extensive efforts are for you with no initial costs.For the professional credit check and your individual financing offer you never pay a penny in advance.