Why a loan without Schufa with credit SUN ?

Credit even with negative Schufa

Applicants with negative credit bureau usually do not receive a loan from banks in Germany. But there are exceptions. We cooperate with German lenders who approve a loan even with slight negative characteristics or with poor creditworthiness. For us, it is not (only) the data stored in your Schufa that counts - what matters most to us is your overall financial situation. If you are able to repay your loan, we will always find a solution - even if the Schufa is negative. Thanks to our cooperation with banks in Switzerland, you will also receive a so-called Swiss loan from Best Credit , provided you meet the acceptance criteria. You can find out what these are in detail below.

New loan options!

Benefit from our extensive financing solutions. Even as a freelancer or self-employed, Best Credit offers a real alternative to the house bank with fast and unbureaucratic processing. Best Credit is connected to several providers in the field of peer-to-peer loans. The loan application can be checked promptly and approved quickly if the result is positive.

100% discretion

Do you want nobody to know about your borrowing? With a Swiss loan without Schufa you benefit from 100% discretion: Neither the Schufa nor your house bank nor your employer will find out about your loan - you can rely on that. Loan seekers often have concerns that they will not get a loan due to a negative Schufa and apply directly for a Swiss loan without Schufa information. But there are other ways to borrow money with a negative feature in the Schufa. We check your financial situation and recommend the loan that best suits your needs.

Credit-neutral

Banks in Germany report credit inquiries to Schufa, which records in its database that the customer in question has applied for a loan from the bank. Depending on whether the report is made as a "credit request" or a "condition request", this can also have an impact on the Schufa score. At Best Credit , your credit request takes the form of a "condition request", so it does not affect your creditworthiness. Most banks in Germany also report the disbursement of the loan to Schufa and register it there. We also work with lenders in Germany and Switzerland who do not report the payment of your loan to Schufa. This means that your Schufa score remains unchanged.

Request without obligation and free of charge

Applying for a loan at Best Credit does not involve any preliminary costs. After submitting the form, you will receive a credit recommendation from us in the form of a concrete offer, which you can take a look at and then make a decision. Neither the inquiry nor the credit check are associated with costs for you. If you have any questions about the offer, you can get in touch with your personal contact at any time. Good advice is included with us - and of course free of charge for you.

Fast payout

With a loan without Schufa, you not only benefit from discretion, but also receive the loan paid out within a few days after checking your documents. Thanks to the online application form, lean processes and automated workflows, we are able to determine the loan program that best suits you and your financial situation shortly after submitting your loan application. The loan amount is available to you - depending on the loan program - within a few days. The loan without Schufa is not tied to any purpose, you decide for yourself what the money is used for.

It's that easy

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Fill out the application online

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Receipt of loan agreement after telephone consultation

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Send the signed credit agreement and documents back to Best Credit

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Receive the amount of money you want quickly

Just a few more steps to your loan without Schufa:

Without initial costs. Without risks. Not binding.

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    “My total expenses for the repayment have been reduced enormously and I am liquid again. (...) I would go this way again at any time if I had financial problems. "

    Michael F. from Berlin

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    Credit without Schufa: Even with poor creditworthiness for good financing

    Whether a job loss or a financial bottleneck after major expenses - anyone can have a negative Schufa entry. If bills or other everyday expenses can no longer be paid, financing through a loan is often the only alternative. Classic banks find it difficult to grant a loan with a poor credit rating and reject your application directly. In the following, you will learn how you can still get secure financing with a reputable loan without Schufa .

    Creditworthiness

    Why are banks reluctant to take out a loan with a Schufa entry?

    When granting a loan, banks and other credit institutions check exactly how high the risk of default of the loan is. This takes a critical look at your financial situation. In Germany, the personal Schufa entry is one of the most important indicators of how high the risk of lending a loan is. In addition to the general guarantee or rejection of the loan , the creditworthiness often also plays a role in the loan interest. A larger number of entries at the Schufa indicates a large number of financial obligations, which is why banks see a risk that monthly repayment installments will fail and the banks will no longer receive your money.

    What does credit without Schufa even mean?

    As often as the loan is advertised without Schufa, most financial institutions mean a loan despite Schufa . The Schufa entry will continue to be checked, but a negative credit rating is not necessarily a reason for rejection.

    A “real Schufa-free loan” is still possible, for example as a Swiss loan . Since Swiss financial institutions have no access to the entries of the German Schufa, the loan is granted here as a real credit without Schufa query.

    Loan brokerage

    Why can Best Credit arrange a loan for you without private credit?

    We work with different banks such as Consors Finanz , where we have already successfully financed cases with negative credit bureau. A bad credit rating and a negative Schufa alone does not say much about your financial situation. The personal circumstances are often more complex than traditional banks record with their verification of the Schufa entry.

    This is exactly where we at Best Credit come in and carry out a personal analysis of your input and expenditure. Even with many financial obligations, your income may give you the scope for secure loan financing. We also cooperate with Consors Finanz, formerly Essen Bank, as a well-known financial institution for the granting of loans in particularly difficult cases. With this partner, Best Credit is more easily able to provide you with a loan with a Schufa entry .

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    How can you get the Schufa-free loan?

    If you want to apply for a loan with a bad credit rating , this is possible with Best Credit in just a few steps. Just follow this procedure to get your loan without Schufa :

    1. In the form on our website, first enter the desired loan amount and the purpose for which you want your loan. Then enter your personal details, whereby a second borrower may increase the chances of getting a loan .
    2. Our credit brokers then carry out an individual review of your case and loan application. Here we compare different ways with which we can offer you a loan without Schufa.
    3. After we have worked out our offers, we will contact you by phone. Together with you, we will discuss your personal loan offer and look for solutions so that your Schufa-free loan can be securely financed.
    4. After consultation with you, we will use our many years of experience to create the ideal loan for you without Schufa. You will then receive the commitment immediately from us, as well as your loan agreement by post.
    5. In the last step, check the loan agreement and sign it and send it back to us. You will then receive the desired amount as a credit without Schufa immediately transferred to your account.
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    Our tips for a loan despite Schufa

    If you are thinking about a loan without private credit , a number of options are open to you in the modern financial world . In the following, you will get to know the most important forms of lending without Schufa in order to find the best personal loan:

    Loan without private credit with regular income

    No matter how extensive your financial obligations are, sufficiently high income will quickly convince a credit institution. Therefore, seek personal contact with the bank and address your personal circumstances. If the potential lender recognizes that you have sufficiently high income, the loan without Schufa should be granted without any problems.

    Financing without Schufa

    Swiss credit

    No matter how extensive your financial obligations are, sufficiently high income will quickly convince a credit institution. Therefore, seek personal contact with the bank and address your personal circumstances. If the potential lender recognizes that you have sufficiently high income, the loan without Schufa should be granted without any problems.

    Swiss credit

    Switzerland has always been one of the most serious nations when it comes to financial transactions and lending. A Swiss loan stands for trustworthy lending and attractive repayment interest that so many loan offers from Germany cannot offer. A Swiss loan is always worth considering for every borrower, regardless of the financial situation.

    The request is made directly to a Swiss financial institution, and many financial partners in Germany, such as we at Best Credit , mediate Swiss credit. It is a loan without a Schufa query, as Swiss financial companies cannot make inquiries to the German Schufa. For this loan without Schufa, you only need to present security such as proof of income so that the mediation succeeds.

    P2P lending

    With a peer-to-peer (P2P) loan, your lender is not a financial institution, but one or more private individuals. The brokerage of these loans is increasingly taking place via specialized online portals. Here you can present your project for which you need money. Ideally, you will quickly find lenders who you consider creditworthy and are happy to provide part of the loan amount.

    P2P loans are granted as loans without private credit, as the private financiers do not carry out their own credit checks. The respective online portal nevertheless makes an assessment of your creditworthiness and presents it to potential investors. A loan with a bad credit rating is still easier to get because you are in personal contact with your lender and can convince them of your project and your solvency.

    The subtle difference in P2P loans through Best Credit : You can take out a P2P real estate loan with us without private credit . The property is used as collateral if the borrower can no longer service the loan. It is only important that the loan amount does not exceed the value of the property. The money is provided by private individuals, so that no bank is used in between. This enables us that you can get a loan even with a negative Schufa without any problems despite a Schufa entry.

    Personal support from credit counselors

    If you have a negative Schufa entry, banks will usually reject your hoped for credit with a Schufa entry. With a personal credit advisor, you will be looked after by an industry expert who takes the time to shed light on your situation. The advisor cooperates with a large number of financial institutions and is often able to arrange a loan without Schufa based on your individual situation.

    Deletion of unjustified Schufa entries

    Every German citizen has the opportunity once a year to receive a written excerpt of their Schufa entry free of charge. If you find incomprehensible entries in this, please contact the respective financial institution or other company. Have unauthorized entries deleted, which will directly improve your creditworthiness and significantly increase the chances of getting a loan with and without Schufa.

    The Swiss loan:
    Clear criteria - fair conditions:

    • Loan amount per person either € 3,500, € 5,000 or € 7,500
    • Uniform interest rate of 11.11% pa
    • Uniform term of 40 months
    • Early repayment possible from the 6th month
    • If you have an existing loan without Schufa: it can be increased to € 7,500

    € 3,500

    Loan amount

    • Minimum income: € 1,210 (depending on the number of children)
    • Minimum period of employment 12 months
    • Age of the applicant max. 62 years

    € 5,000

    Loan amount

    • Minimum income: 1,660 € (depending on the number of children)
    • Minimum employment period 36 months
    • Age of the applicant max. 62 years

    € 7,500

    Loan amount

    • Minimum income: 1,860 € (depending on the number of children)
    • Minimum period of employment 48 months
    • Age of the applicant max. 62 years

    Look out for a reputable loan provider with negative Schufa

    Wherever you apply for your loan despite Schufa: Look for a reputable and experienced provider for such a loan without Schufa check. Even in a financially desperate situation, don't be lured by exorbitant interest rates or lenders with advance payments. With such financial partners, your situation often only gets worse.

    What data is actually stored at Schufa?

    As a private credit agency, the Schufa records financial obligations of almost all German citizens that are associated with regular payments or a credit line. The most important entries include:

    • ongoing or recently terminated loan agreements
    • Installment purchases of all kinds of products
    • Overdraft on your checking account
    • Contributions to your mobile phone contract
    • Insurance premiums

    When checking the Schufa entry, the potential lender does not get a detailed insight into your financial situation. Instead, the Schufa works with scoring , which enables you to assess your creditworthiness using a scale.

    Schufa

    Good to know about the Schufa-free loan!

    Every loan program has advantages and disadvantages. A Schufa-free loan is not always necessary. Even if the Swiss loan without Schufa has many advantages, an alternative loan program (with Schufa) can make more sense in some cases. For example, if you only have slight negative features in your Schufa file, you may be able to get cheaper financing from a bank in Germany. Just ask if and which alternatives are available!

    We take a close look at your overall financial situation and give you a specific recommendation as to which loan program suits you best - you can rely on that!

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    Credit for everyone

    Good to know about the Schufa-free loan!

    Every loan program has advantages and disadvantages. A Schufa-free loan is not always necessary. Even if the Swiss loan without Schufa has many advantages, an alternative loan program (with Schufa) can make more sense in some cases. For example, if you only have slight negative features in your Schufa file, you may be able to get cheaper financing from a bank in Germany. Just ask if and which alternatives are available!

    We take a close look at your overall financial situation and give you a specific recommendation as to which loan program suits you best - you can rely on that!

    What options do you have if it doesn't work with a loan without a private credit bureau?

    Of course, it can also happen that the banks do not grant you a loan without a Schufa entry. This can be because you have a hard negative SCHUFA or your income is too low. In such cases, you should look for other options. If your application for a loan without Schufa was rejected, you can still have the following options to get a loan:

    • A second borrower makes loan approval easier, as the risk of default for banks is significantly reduced
    • A surety can also help you get a loan with low interest rates.
    • Borrowing money from friends is a popular way to avoid debiting your Schufa or paying interest.
    • For example, offer the bank collateral in the form of a property or a car

    A reputable bank should already provide you as a customer with alternatives in order to realize the financing.

    You should know that about the loan without Schufa!

    A loan without Schufa is easy to get these days if you look for a reputable credit partner. We at Best Credit pay attention to your individual life situation, while banks categorically refuse credit without Schufa from a certain credit rating. With the reputable financing options shown above, your Schufa entry is no obstacle to loan financing at attractive terms. Simply send us a non-binding inquiry using our application form. We're here to help!

    The credit despite Schufa:
    Even larger sums - with pleasant runtimes

    • Loan amount up to € 120,000, possible up to € 300,000 for property ownership
    • Terms of up to 120 months, for property ownership up to 360 months
    • For free use
    • Flexible repayment modalities

    Requirements for a loan despite Schufa

    • Minimum income: € 1,100
    • Minimum employment period is 6 months
    • Maximum age 70 years
    Home loan

    Our tip:

    Property owners have particularly good chances of getting a cheap loan - even with a negative Schufa.

    Even larger sums are possible with negative Schufa. Just ask us! We check your credit options despite Schufa.

    It's that easy to get your loan despite Schufa

    If you need a loan without Schufa or would like to have us check whether there are still alternative financing options for you, simply fill out our application form. We use your data to check your chances of getting a loan with and without Schufa. If you meet the requirements, you will receive an offer for your desired loan shortly after submitting your application.

    You calmly examine our loan offer and then decide whether you want to accept the offer. In the case of a loan approval, your desired amount will be paid out quickly after the return and final examination.

    Best Credit will quickly and seriously arrange your loan without SCHUFA - guaranteed without upfront costs. The credit request as well as the preparation of the offer and credit check are not associated with any costs for you. Even in the event of a rejection, the creation of the loan offer remains free of charge for you.

    You can now easily submit your free loan request online. We guarantee you: your loan request is free of charge.

    Individual advice on your online loan without Schufa with a personal contact!

    Our team of experts takes care of your personal financing request quickly and reliably. Send us your request and you will receive an answer from your personal contact within a few minutes.

    The loan experts atBest Credit
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    030 - 2000 399 22

    Birgit Roth

    Birgit Roth
    Credit management

    Sigrid Neukirch

    Sigrid Neukirch
    Credit advice

    Pia Glaubitz

    Pia Glaubitz
    Bank clerk

    madeleine-stolzenburg

    Madeleine Stolzenburg
    Credit advice

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