As long as the sun is shining, the banks are happy to give their customers an umbrella. But woe, it starts to rain, then they quickly take the umbrella away. Unfortunately, what may sound funny is reality. If you have no financial problems, the Credit bureau can not matter.
But once there are negative entries, it becomes difficult with a loan approval in Germany. Even the slightest entry can lead to a negative answer to a customer credit request. For many, the only way is to go to neighboring countries, because in this case there is no way around a Swiss loan without a credit check.
What is a Swiss loan without a credit check?
As the name suggests, this loan actually comes from Agree banks. In contrast to a Cream bank, the financial institution in Switzerland is not affiliated to Credit bureau. As a result, there are no queries about the credit rating, nor is the credit reported there. Anyone who thinks that you have to go to Switzerland to apply for a loan is wrong. In Germany, intermediaries take care of a positive credit decision. You pass on the necessary documents to the banks in Switzerland and receive a corresponding commission from the borrower after successful completion.
Who can apply for a Swiss loan without a credit check?
Anyone who works and has a corresponding income can apply for a Swiss loan. It doesn’t matter whether the person in question has to pay off a loan in Germany. It is not asked for. An employment relationship on an independent basis is important. A certain length of service must also exist.
Banks in Switzerland are happy to see an employee who has been with the company for at least six months. In most cases, however, a minimum membership of one year is required. Unemployed people, freelancers and the self-employed cannot apply for a Swiss loan without a credit check.