When it comes to a loan without information, it usually means a loan without private credit checker information. If you want to take out a loan without information, there are certain reasons for this, which may be due to the fact that the private credit checker information is negative and you can no longer get credit from German banks, or you want to keep your private credit checker “clean” because you will soon be there want to finance a car or a house.
However, however different the reasons may be, a loan without information from private credit checker cannot be taken out directly from a bank. In this regard, you have to contact a credit intermediary who “mediates” the loan
Who can apply for credit without information
If the banks abroad do not obtain private credit checker information from the borrower, they need other collateral. With a private credit checker-free loan, this is always the fixed employment relationship with the resulting attachable income. Only those who can prove a seizable income from permanent employment will get a loan without private credit checker.
This means that a fairly large number of people are excluded from these interesting loan offers from foreign banks. Unemployed people, Big company recipients and recipients of other wage replacement benefits such as sick pay or child-raising allowance do not get a loan without information. Even the self-employed and freelancers as well as trainees and students have little chance of getting a private credit checker-free loan.
The number of people who can benefit from these offers is therefore very limited. Loan brokers who promise something else and advertise with credit even in difficult cases etc. have a different purpose than brokering loans.
Find the right credit broker
If you want to apply for a loan without information from private credit checker, you should look for a reputable credit broker. You can recognize this by the fact that he does not charge any upfront costs and that he puts the cards on the table and does not advertise that he can give everyone a loan. There are many “black sheep” in this industry.
How much can the loan amount be
The loan without information from private credit checker is a so-called small loan of a maximum of 3,500 USD. There is no more of the loan amount. This loan must then be repaid within a prescribed term, which is 40 months. Since credit costs and agency fees are apportioned to the installments, a rate of around USD 100 must be expected.