Often you need money to buy something or to go on a well-deserved vacation again. But the money for this was not always saved or left over. Then it makes sense to have a loan with which you can borrow the desired amount.
In recent weeks, however, there has been a lot of discussion about Credit Bureau and how quickly you can slip into negative Credit Bureau information as a normal earner. But according to the latest case law, the Credit Bureau does not have to explain how it performs the classifications. But how do you get a loan despite a negative Credit Bureau?
Apply for a small loan from the Swiss banks
If you need a relatively small loan amount between $ 3,000 and $ 5,000, you can apply for it quickly and easily at one of the many Swiss banks. Because these are not connected to the purely German Credit Bureau system and do not ask here. As a foreigner, you can get the above amounts quickly and easily without having to provide a lot of security.
Hire an intermediary to search for a bank
If you need a loan despite a negative Credit Bureau and have already received rejections to inquiries from banks and credit institutions, you can also hire a private broker to search for a bank. Since these credit intermediaries have been working in their profession for a long time and this is done on a commission basis, which a bank pays the intermediary when the loan is concluded through a contract, you always have a good chance of getting a loan despite a negative Credit Bureau. Many reputable providers and agents can also be found here on the Internet.
Apply for a loan on a private platform
If you need a loan despite a negative Credit Bureau, then the third option would be the private platforms on the net. Because here you can register with the desired loan amount and the amount of interest you are willing to pay on it. Then various private donors register, all of whom pay a small part, usually around $ 50.00, of the loan amount. The repayment then takes place via the platform. If a borrower no longer pays the monthly installments for whatever reason, the lender does not have such a high loss because of his small deposit.