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Lending company grants a loan even without bank statements.

The banks are very conscientious when it comes to granting a loan. Nothing is given away here and every application is checked very carefully. In order to be able to carry out the best possible verification, the banks need meaningful documents that show the financial status of the borrower.

This includes, among other things, the bank statements, which should show all income and expenses. If these are not available, it may well happen that the bank initially rejects a loan application and insists on the submission of the statements. But what to do if you don’t have them on hand? How can you still get a loan without bank statements?

The bank has its reasons

The bank has its reasons

It is not without reason that banks request account statements when applying for a loan. Many consumers try to “sneak up” a loan. They are not entirely honest when it comes to declaring their financial circumstances, not disclosing expenses or not being too precise with their income.

A bank statement is therefore almost the only way for banks to really be able to check all income and expenditure. If you cannot or do not want to present them, you should avoid taking out an installment loan from a bank with a branch. It is better to look for an instant loan that is granted over the Internet.

The speed is crucial

The speed is crucial

Because with an instant loan, speed counts. Here the bank does not have forever to examine all documents in detail. Rather, it has to make a decision quickly, otherwise it would not be an instant loan. So if you are looking for a loan without bank statements, you should use this option.

A quick credit decision does not mean that the bank does not check anything at all. Despite this, the Credit Bureau is queried and the borrower has to provide information on his income and marital status. In addition, instant loans are usually only given as small loans. Large sums cannot therefore be expected.

And if you don’t want to take out an instant loan, you have to negotiate with the bank. Maybe you are lucky and she also gets involved in other documents that can prove your income as well as your expenses. However, it should not be easy to give the bank a plausible reason for refusing to provide bank statements.

After all, everyone needs to have an account to take out a loan. And this account includes bank statements. Even if you have misplaced them, you can request new statements from the bank or print out the account history via online banking. A credit without bank statements does not have to be.

Enjoy and avail this loan without credit check at Credit Bureau.

Many customers wonder why Credit Bureau is so important in the credit check. To this end, the customer should know that Credit Bureau collects data from consumers that has been transmitted to it by its contractual partners. Think of banks, telephone companies or mail order companies. As long as the customer pays his liabilities on time, a positive entry does not become a negative entry that reduces the customer’s creditworthiness. But there are many consumers who have such a negative entry in their Credit Bureau and do not get a loan in the normal way. For this group of people, a credit without a credit check at Credit Bureau is an option.

The loan without a credit check at Credit Bureau

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A distinction is made between the entries with characteristics. There are soft and hard features. A forgotten and already reminded invoice is one of the soft ones. With such an entry, the loan seeker should still be creditworthy. If he explains to his bank how this entry came about and if the other conditions can be met, there is a loan without a credit check from Credit Bureau.

The customer who has hard characteristics such as loan cancellations, attachments, bankruptcies, enforcement notices in the Credit Bureau will not receive a loan. The risk of default is too high for the banks, the customer’s payment behavior has shown serious shortcomings in the past. There is either no credit at all for this group of people or they have to secure the loan with some security.

If the loan application is made to one of the online banks, the customer must generally expect a rejection. In most cases, these banks have an automated test procedure, whereby a specific customer situation is not taken into account.

The loan without a credit check at Credit Bureau – the prospects

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In this country there is only the loan through the pawnshop rental. The pawnbroker will estimate the deposit and pay the value to the customer in cash. If the customer cannot pay the deposit, the auction will take place and the customer will be given a payment period.

If a long-standing bank customer requests an increase in his overdraft facility, the bank will rarely make a loan without a credit check from Credit Bureau. Based on the account movements, the bank sees how the customer’s finances are and will provide the overdraft facility if necessary. For this purpose, the income regularly received is used as a credit basis. For example, if a customer earns $ 2,500 net, he could receive a overdraft facility of $ 6,500.

However, it is advisable to use the overdraft facility only for a short time, since it is very expensive. One can assume a double-digit interest rate, often even 15-17%. There have also been customers who have accumulated a small mountain of debt due to the constant use of overdraft, with the result that an installment loan had to be taken out. However, this is the better option anyway. Whoever uses the overdraft facility at the end of the month when the account is empty and an urgent invoice has to be paid is doing the right thing. However, the salary on the first day of the month should compensate for the overdraft facility.

The customer who uses the partial payment function of his credit card also receives a credit without a credit check, since the customer’s finances are also known here. The bank has access to the customer’s account. Before the credit card was handed over to the customer, a Credit Bureau query was carried out. If there are no payment problems, the credit line is also provided without Credit Bureau.

Loans that do not require a Credit Bureau are also often offered to mail order companies, retailers or electronics stores. The dealer will orientate himself on the data that the customer sends him. These are often more meaningful than the Credit Bureau information. If the customer remains within the framework of 1,000 USD and the installments have always been paid regularly, then no Credit Bureau will be queried. Existing customers treat mail order companies very confidently.

The loan from abroad

The loan from abroad

Most of the loans that do not require a credit check from Credit Bureau are provided by foreign banks. Interesting for the customer who has a bad Credit Bureau and no longer receives a loan in this country. The funds come mainly from Liechtenstein and Switzerland, hence the name “Swiss credit”. These banks do not query Credit Bureau because the Credit Bureau Institute does not exist in these countries.

The credit without a credit check at Credit Bureau is also not entered in it. However, these banks query the official list of debtors. If the above-mentioned hard features are there, a foreign loan is also rejected. In most cases, the need for Credit Bureau-free loans in Germany is due to an uncontrolled desire to shop or poor payment behavior. But you cannot blame these people on their own if liabilities are no longer met.

Especially with the Social Welfare regulations, a lot of people come to the edge of poverty. Even those who have work can hardly make ends meet with their full-time jobs. In Germany there are more people who have a second job than ever. Added to this is the change in consumer behavior. Advertising calls from all corners with cheap offers, not everyone is so strong and can say no. The result is often the negative entries with their unpleasant consequences.

Credit brokers are behind such advertisements. However, some customers have already benefited from a credit broker, but many have already fallen for it. Therefore, before a loan without a credit check with Credit Bureau, it is essential to ensure that the agent is serious. The pitfalls are often noted in the conditions that the customer can read on the corresponding pages.

The loan without a credit check at Credit Bureau has strict requirements. For example, the income must be sufficiently high, ie above the garnishment-free limit, and it must also have a garnishable share of at least 100 USD. The customer must have a permanent job, there must be no trial period. The residence and the current account must be in Germany. The customer should be of legal age and not older than 58 years.

The loan amounts are limited. Most of the loan of 3,500 USD is approved, followed by 5,000 USD depending on the credit rating. The interest rate is in the double-digit range of 11-12%, often higher. In order to receive the 3,500 USD loan, a single must earn a net 1,160 USD.

Both loans have a term of 40 months. The rate for the smaller loan without a credit check at Credit Bureau is USD 105.95, the USD 5,000 loan has a rate of USD 151.35.


Borrow 15000 USD – Loan lending honestly about cheap money.

You can borrow 15000 USD in the form of a personal loan or a revolving credit. Which form of borrowing you choose depends on your loan requirements, and your options. But it is just as important, of course, where you can borrow 15,000 USD at a favorable price. Where can you borrow money cheaply? What is the best offer for you? How can you ensure that you get the best loan?

Borrow 15000 USD

Borrow 15000 USD

Personal loan Revolving credit Mini loan
From 4.1% From 4.5% Borrow a maximum of $ 1500
Fixed interest variable interest No BKR testing
from 21 to 69 years old from 21 to 69 years old from 21 to 70 years old
Payment within 2 days Payment within 2 days Payment within 24 hours
Apply for a personal loan Apply for revolving credit Apply for a mini loan

Borrowing 15000 USD is of course quite different from borrowing 1500 USD or borrowing 1000 USD. If you are going to borrow $ 15,000, it is important to sit down for a while. It may well be that you have been attached to this loan for several years.

Therefore, make a correct and responsible choice.
We are happy to give you some extra information to help you with this.

Borrow 15000 USD as a personal loan

Personal loans have become increasingly popular lately. And rightly so, a personal loan stands for security. You will receive a fixed interest and a fixed term. So you know in advance where you stand. In the past, the interest on a personal loan was much higher than the interest on a revolving credit. Fortunately, this is no longer the case. With many banks, the credit form no longer matters and the interest is the same. With other banks, the interest on a personal loan is even lower than with a revolving credit.

What you choose depends on your wishes. With a personal loan, the entire credit is deposited directly into your account. You cannot keep money in the loan. This can be considered a disadvantage by many people.

Borrow 15000 USD as revolving credit

Borrow 15000 USD as revolving credit

If you want to borrow money more flexibly, you can opt for a revolving credit. With a revolving credit you can keep money in your loan. You can make withdrawals up to your credit limit and you can make additional deposits that will allow you to repay your loan earlier. And this always fine-free. If you want to make flexible loan 1500 USD possible, a revolving credit can be a good choice.

However, you must take into account that the interest with a revolving credit is variable. Interest can therefore rise. You must therefore pay attention to this.

What does advice for borrowing money cost?

What does advice for borrowing money cost?

Of course reading a lot about borrowing 15000 USD is fine. Nevertheless, a loan is tailor-made. Every situation is different. So every advice should be different too. A big advantage is that advice about borrowing money is completely free. This is of course a pleasant side effect. It is laid down in the Consumer Credit Act. It states that it is not allowed to charge costs for the costs of brokerage.

Borrow 15000 USD without BKR testing

Borrowing 15000 USD is always borrowing money with BKR testing. It is not possible to borrow money without enabling BKR testing for loans above $ 1,500. For large loans there will always be a BKR assessment and BKR registration. Nowadays also if you would like to use crowdfunding.

Is the variable loan rate worth it?


The trend is unchanging. The people prefer to borrow with a fixed rate rather than a variable rate. In 2014, only 5% of borrowers chose a variable rate for their mortgage.

Why choose a variable rate?

Why choose a variable rate?

Signing a variable rate mortgage means having the possibility of borrowing at lower rates than with a fixed rate loan. It is also the hope of seeing the market fall in order to benefit from a reduction in the overall cost of its loan, either by reducing its duration, or by reducing its monthly payments, or even by combining these two elements. But this is a gamble that has its downside: if the rates rise, your monthly payments follow the same movement. Another interest, in the event of resale the variable rate credit makes it possible to negotiate the absence of compensation for early repayment. This is why we recommends reserving variable rate loans:

  • short-term loans, for example to people who intend to resell their property in the short or medium term
  • to people who can support a possible increase in their monthly payments in their budget
  • to investors

What to do if rates rise?

What to do if rates rise?

It is always possible to transform a variable rate into a fixed rate, provided that your contract provides for this freedom. But you have to be careful: this passage is irreversible and it also generates costs. There is also an even more radical solution in the event of a sharp rise in rates. This involves buying back your credit by obtaining a new fixed-rate loan from another financial institution to settle the first one. Again, be careful with prepayment charges. Hence the importance of negotiating the absence of a penalty when signing the variable rate offer.

Secure your variable rate loan

Secure your variable rate loan

Different tips can limit the risks inherent in a variable rate loan. Thus, it is recommended to take out a loan with an option which will allow you to change for a fixed rate at the time of the anniversary date of the contract, that is to say every year. Capped rate loans are another alternative. By regulating the increases and decreases in the rate, within limits determined beforehand in a contractual manner, this type of loan thus limits your financial risk.

If you plan to opt for a variable rate credit, we offer you its advice to assess according to your profile, your project and market trends, if your choice is the right one.

How to avail credit for loft conversion.

If you own a property later, you will not only have the advantage of rent-free living, you can also beautify and change your own home according to your wishes. The loft conversion often plays a major role in this. The children grew up, the attic would be the ideal retreat for the young person.

If the attic was a parking space for many years, it can be converted into a living space. However, this project entails some costs that not everyone can pay from their current budget. One thinks about a loan for the loft conversion.

The loft conversion with grants

The loft conversion with grants

One could simply take out a loan for the roof extension from the bank for the roof extension. But it makes much more sense to inquire whether and how much funding could be used. The funds are not only available for energy-efficient work, but funding can also be applied for age-appropriate housing remodeling. Cream Bank is the right contact here. The owner must apply for this before the roof extension. Construction plans and cost estimates will then be necessary. The work must also be carried out by a craft company that is registered. Building authorities and municipalities can provide information.

If the funding is insufficient, the remaining amount could still be taken out with a loan for the roof extension. Of course, the customer must then know the loan amount. Installment loans can be applied for for any purpose and in any amount. But if the money is not enough, refinancing may have to be carried out, which could prove difficult because a loan is already available.

The loan options for the loan for loft conversions

The loan options for the loan for loft conversions

An allotted building society contract can also be used as a loan for the loft conversion. The customer gets a cheap loan, but has the disadvantage that he has to save a few years until the contract is ready for allocation. That is why the better solution is the installment loan. It offers flexibility and favorable conditions. The interest rates are in the single digits. There are direct banks that offer installment loans with less than 6% APR. The customer can receive the loan amount from 1,000 to 50,000 USD. This sum should be sufficient for the roof extension.

Homeowners can apply as a further loan for the loft conversion if the property has already been paid for. Larger credit requests can be made here by securing the land register. If the loan volume is below 60% of the lending limit, the loan can be as low-interest as a promotional loan. Here the customer can count on interest offers of around 1% APR.

However, if you only need a small loan amount, it is not worth the effort to enter a mortgage. The customer would be better advised here if he avails himself of the renovation loans offered by banks. Here he can expect an interest rate of 2-3% APR.

However, if you have only recently owned a property and have just completed the financing and now need additional funds for the loft conversion, you can expect difficulties. The bank does not have sufficient security here, since there has not yet been a high repayment. The creditworthiness is missing despite the high real value, which makes a loan for the loft conversion difficult. A loan for the loft conversion is feasible at the earliest after the end of the first fixed interest rate.

The installment loan from the bank

The installment loan from the bank

If you opt for an installment loan, you can search for cheap providers with the free loan comparison. In general, every bank can provide a loan for the loft conversion. Usually the house bank is asked first, there may be real estate financing. If the loan amount is not so high, the customer should not have any problems with the loan approval. Especially with regard to the aforementioned scenario if the home was not bought and financed for a long time.

If the homeowner has had his property for a long time, it could be used as security for the loan. The advantage of this is that the bank provides better conditions. If the customer is not satisfied with the offer from the house bank, there are many direct banks with very low interest rates. The credit comparison shows the customer not only the interest rate, but all the terms and conditions of the bank. The focus should not only be on the interest rate, but also on the free special repayments and one or two installments.

This is particularly advantageous for employees if they receive bonuses and special payments from their employer every year. He could deposit these on the loan and thereby redeem it prematurely. However, if there are no free special repayments in the loan agreement, the bank can calculate a prepayment penalty. The installment deferral cannot be dismissed out of hand either. There is always a financial bottleneck, especially with a property owner, who could compensate for one or two installments.

The credit rating

The credit rating

The creditworthiness of the customer is of course the most important thing before the loan application. He must have a sufficiently high income and a permanent job that is not permanent. In addition, the Credit Bureau must not be burdened with negative entries. Each bank checks the customer’s Credit Bureau before each loan. This shows through their information, the payment behavior of the customer in the past. If there were already payment irregularities, the loan could also be rejected, also with regard to the security provided by the property.

The Credit Bureau-free loans could then be a way out. If only the negative entries in the Credit Bureau are the reason for the rejection, then a Swiss loan could be called this type of loan, since until 2009 all loans came from Switzerland, where no Credit Bureau was queried. However, these banks also have strict requirements that a loan seeker must meet. As before the aforementioned income, which must have a attachable share of at least 100 USD.

The customer must be of legal age and have his residence and current account in Germany. He shouldn’t be older than 58 years. The loan does not appear in the Credit Bureau and the bank does not query the Credit Bureau either. The loan amounts are limited and depend on the customer’s creditworthiness. So the most approved loan is 3,500 USD, it has a rate of 105.00 USD. If the credit rating is good, the customer can also receive 5,000 USD or 7,500 USD.

If these loan amounts are not sufficient and two Credit Bureau-free loans are then applied for, the customer will not get over it. The bank queries ZEK, the central office for credit information, and all Swiss loans are entered in it. The loan can only be topped up after half a year of payment in installments.


How to avail loan without Credit Bureau and co-applicant.


Credit Bureau collects information about proper loan processing as well as financial misconduct. Lending through a German financial institution is regularly associated with a Credit Bureau request and with the notification of the conclusion of the credit contract to the credit protection agency. A co-applicant is liable towards the bank as well as the main borrower for the repayment of the loan. It is to be distinguished from a guarantor who is only liable if the actual borrower does not repay the loan.

Loans without Credit Bureau

Loans without Credit Bureau

If a borrower has a Credit Bureau negative entry, they often choose to borrow together with another borrower whose Credit Bureau information is faultless. An alternative to a loan from a Cream bank, taken out in pairs, is a loan without Credit Bureau and co-applicants, as it is granted by Lite banks. As a non-contractual partner of the German Credit Bureau, the federal banks cannot make a credit rating request and at the same time cannot report the borrowing to the credit protection association.

They grant a loan without Credit Bureau and co-applicants if the applicant’s working income corresponds to their significantly higher minimum requirements compared to most German financial institutions. The amount of a loan without Credit Bureau from Switzerland is also limited, most banks grant a maximum of 3500 and a few federal credit institutions up to 5000 USD.

Swiss Credit Bureau-free loans are processed without a co-applicant and in the currency of the euro, so that there is no exchange rate risk for the borrower. The borrowing is not reported to Credit Bureau, but to the Swiss central office for credit information. This notification, which is binding for the bank, means that no consumer can extend the total credit line by taking out several Credit Bureau-free loans. At the same time, if the loan received is not used properly, it limits future borrowing in Switzerland.

Other ways of borrowing

Other ways of borrowing

In the consumer’s perception, the repeated use of a granted credit line often also presents itself as a loan without Credit Bureau and co-applicants. In fact, the bank only makes a Credit Bureau credit rating request when a credit line is approved for the first time and notifies the credit protection company of its approval actual utilization. If consumers only forfeit a Credit Bureau negative entry after the first granting of a credit, they can continue to use existing credit lines.

However, you will lose the credit line if you do not make the repayment as agreed. The pawnshop loan is the oldest loan without Credit Bureau and co-applicants, and when it is paid out, the pawnshop owner only uses the pledge as security. The loan on a private pension insurance contract or life insurance claims is also suitable as a loan without Credit Bureau and co-applicants. Since the borrower is mortgaging his own credit, the insurer does not have to make a credit check. However, it is not sensible to lend subsidized insurance contracts, since in such a case the subsidy must be repaid.

Borrowers can take credit from abroad without Credit Bureau.

Loan seekers can take out a loan from abroad without Credit Bureau if the creditworthiness in this country does not allow a loan.  This means how creditworthy a loan seeker is. It is largely composed of a sufficient high income, permanent employment and impeccable Credit Bureau.

If there were any payment problems in the past because, for example, an urgent invoice was not paid and has already been dunned, a negative entry in the Credit Bureau can arise. This entry shows the “payment behavior” of a customer. Banks are guided by this and then reject the loan, the risk is too great for them. But what can a loan seeker do when there is an urgent need for money. A loan from abroad without Credit Bureau can then remedy the situation.

The Credit Bureau and its consequences

The Credit Bureau and its consequences

Before banks approve credit, they check whether the customer is creditworthy. In addition to the sufficiently high income that should come from a self-employed activity, the Credit Bureau is an important approval feature. Credit Bureau shows how the customer has met his obligations in the past. Everyone has entries in the Credit Bureau.If someone applies for a loan, opens an account, concludes an installment contract with the mail order company or a cell phone contract, this data appears in the Credit Bureau, initially without evaluation.

Only when one or the other invoice has not been paid, when there is already a legal warning or a credit default, do these entries become negative entries and can have unpleasant consequences. One of them is that a traditional bank doesn’t approve a loan because they fear they won’t see their money again. The Credit Bureau shows corresponding peculiarities.

As a credit agency, Credit Bureau collects data from consumers who transmit its contractual partners such as banks, telephone companies, insurance companies or other financial service providers to it. Credit Bureau is therefore an important authority in all financial transactions. It is recommended for loan seekers, even if no credit is required, to obtain free self-assessment from Credit Bureau once a year,

Then the customer can see if negative entries are noted, which are rightly there or could be deleted, since they are long gone. The customer should know that Credit Bureau is not only important for the loan seeker, but also when renting an apartment. Many landlords ask the Credit Bureau beforehand; if it is bad, it is often not rented out.

The reputable credit broker

The reputable credit broker

If you search for a loan from abroad without Credit Bureau on the Internet, the customer will experience a flood of advertisements. Despite all advertising statements, a serious loan from abroad is possible. If you carry out a loan comparison with a normal loan, the loan comparison for a loan from abroad without Credit Bureau brings very few offers. Most of the offers are provided by credit brokers, and they are dubious agencies.

In most cases, anyone interested in a Credit Bureau-free loan accepts the offer of credit intermediaries. The Credit Bureau-free loan could be applied for directly through the foreign bank, but many customers are very unsure about it and prefer to entrust these tasks to experienced credit brokers. The customer recognizes the serious working intermediary by the fact that he does not require any upfront costs or prepayment.

Also, no insurance contracts should be offered that are supposed to enable or accelerate credit approval. Although the customer will not receive a loan, he pays insurance premiums every month that he does not need. Calling expensive hotlines to get supposedly important information about your credit is nothing more than a ruse. The customer then pays the expensive telephone charges and nothing else.

The reputable credit broker works without all of these things, he has been on the market for years, may also be strong brand-certified or tested by the German Company. Reputable credit brokers do not run lurid advertising, they simply and transparently provide their services to their customers. However, the customer should keep in mind that the work of the credit intermediary is not in vain, but receives a commission after the loan approval.

Loan from abroad without Credit Bureau – the bank

Loan from abroad without Credit Bureau - the bank

The loan from abroad without Credit Bureau now only comes from a bank, which is based in Liechtenstein. A few years ago, the loans all came from Switzerland, hence the name Swiss credit. However, control authorities prohibited these credit intermediaries from granting loans to Germans, as they lacked the necessary banking license. Sigma Kreditbank AG from Liechtenstein has this license and grants a loan from abroad without Credit Bureau.

The loan is advertised easily and easily on the Internet, but the customer still has to meet some requirements. The sufficiently high income that must be above the garnishment exemption limit. The permanent job which must not be limited and does not have a trial period. The loan seeker must be of legal age and reside and have a current account in Germany. There is also an upper age limit, which has recently been set at 62 years.

A bad Credit Bureau does not matter for a loan from abroad without Credit Bureau, the credit is not entered in the Credit Bureau either. However, the bank will take a look at the public debt register. If there are serious entries such as attachments, bankruptcies, enforcement orders or affidavits, the bank rejects the loan.

A specialty of this bank is that it only provides three loan amounts. Once 3,500 USD, 5,000 USD and recently 7,500 USD. The creditworthiness of the latter two loans must be excellent. For the two smaller loans, the employment relationship must have existed for one year, for the 7,500 USD loan it must have been four years.

If there is a garnishment of wages, the loan is also rejected. Because the bank secures the loan through income, in the event of a loan default it will submit the garnishment immediately.

The interest rate on the loans is around 11-12% depending on the credit rating. The terms are 40 months. The credit installment for the 3,500 USD loan is 105.00 USD, for the 5,000 USD credit 150.00 USD and 7,500 USD are due around 220.00 USD.


Pilots in trouble due to high loan.


Cream Bank was taken to court by a group of sixty young pilots.

Cream Bank was taken to court by a group of sixty young pilots.

The pilots cannot pay off their high loan because they earn too little or are unemployed. In addition, according to the pilots, the bank should never have lent them so much money.

A group of sixty young pilots thinks that Cream Bank has given them too high a loan to be able to follow their training. The group is now taking the bank to court because they cannot pay off their study loan. Cream Bank provided the pilots with a loan of one ton, and they borrowed another 50,000 USD to pay the interest during their training. The bank is said to be talking to the unemployed pilots and looking for ‘suitable solutions’.

According to Cream Bank, one of those solutions is that the loan can be repaid over a longer period. In addition, the bank would have offered to temporarily freeze the interest, so that the pilots’ debts do not increase further. However, the lawyer of the group Frank Olberts no longer wants to wait on the couch. “Many of these people would be even better off in debt restructuring. That cannot be the intention. So we are going to demand that the loan be brought back to acceptable proportions, ”said Olberts.

Pilot who earns too little 

Pilot who earns too little 

The pilots are said to have gotten into trouble because most of them are without a job or earn too little. Pilots at price fighter Ryanair get much less than at KLM, among others. However, Cream Bank expects the market to pick up again and that in the long term there will be sufficient work for all pilots sent. A spokesperson also pointed out that the pilots can pay off their loan and that Cream Bank has indeed informed the prospective pilots and their parents about the risks.

Olberst points to a recent ruling on over-crediting in which the bank had to pay the interest. The case is expected to be brought before the court in Amsterdam in a few weeks. The young pilots’ lawyer wants the amount of the loan to be reduced to the ‘proportions that can be paid off for normal people’. In addition, an appropriate payment arrangement for pilots should be made.

Take out this exciting credit when you want to get married.

In general, the partner’s debts are only liable if the partner has committed to it. For example, if the husband takes out a loan that should actually be for his wife, the wife only needs to be liable if she has signed the loan agreement as a co-applicant. The same picture emerges if a housewife who has no income of her own takes out a loan for the husband, or incorrectly signs the loan contract, this process and contract is considered immoral. This shows the legal situation with a marriage loan.

The starting point for credit in marriage

However, it is not automatically the case that the husband takes out a loan in the marriage for a car, that the wife has to be liable for just because she is married to the borrower. If only one part of a loan is taken out in marriage, the part has to pay the installments alone. The item purchased and paid for with credit then belongs to him. Of course, the banks know about this.

To be on the safe side, when borrowing from couples, banks are required to both sign the loan agreement. From this point on, they are liable, even if the marriage should be divorced, as long as the loan has not been paid, the divorced partner must also pay for the loan. If the loan was signed by a partner alone and there is a separation, then only the person who signed the loan is responsible for the loan.

The other partner is not affected. The bank cannot automatically turn to the other partner if the loan is no longer paid. A marriage loan can be described as a co-applicant loan. Joint borrowing is possible, but not mandatory. Only the person who has put his name under the loan agreement is responsible for repaying a loan.

A joint liability could arise if the loan was taken out in the marriage in order to live a common life. In general, a loan can only be granted to one person if they have their own income. If both spouses have income, the rate will be as if only one person had taken out the loan in the marriage. In the case of a loan with a spouse, the income must be sufficient.

The loan search

The loan search

If the couple have a common checking account, the partner can also be given an overdraft facility that is not working. The available household money or pocket money for the partner who is not working could be transferred to this account. However, if a credit card is requested, the bank will not require proof of income as long as the normal credit line is used.

These payments can thus be interpreted as income. The credit card with partial payment function could then also be used. However, this function should only be used for a short time because the interest rates are very high. The situation is similar with the disposition provided. It also has high interest rates and is only intended for short-term use.

If a loan is applied for, the general conditions for a marriage loan must be just as correct as for all other loans. The bank then assumes, depending on how high the loan amount should be, that both sign the loan agreement. However, only one of the partners counts if there is sufficient income.

Most of the credit is taken out by the main earner alone. Where the loan is applied for is up to the loan seeker. He can do this at his house bank or choose one of the many direct banks on the Internet. A cheap provider can be found with a credit comparison. The comparison is free of charge, only the loan amount, the term and the desired rate are entered.

The loan seeker then receives a list of all providers. He can compare these with each other and choose his provider and also immediately apply for a loan. In order to get a loan without any problems, the customer must have a regular income. Likewise, the Credit Bureau must be impeccable, it must not contain any negative entries. This could lead to a loan refusal because the bank’s risk of default would then be too high. The bad Credit Bureau tells the bank that there have already been payment problems.

If you are creditworthy, you can use the loan comparison to choose a cheap lender. The current low interest rate level allows a particularly favorable loan to be taken out. Note the APR, which has all the costs of a loan. But not only the interest rate is important, free special repayments should also be agreed. This also includes rate breaks.

But at the very beginning of a loan search should the question be? Can a loan be paid at all? Does the monthly budget give a monthly rate? To this end, loan seekers should draw up a budget. The income is compared with the expenditure. There should be an acceptable balance remaining. If the invoice does not produce a positive balance, the loan should not be taken up in the marriage, the loan default then seems preprogrammed. The result can then be a negative Credit Bureau entry, which no longer allows further borrowing from a conventional bank.

The bad Credit Bureau loan

The bad <a href=Credit Bureau loan” width=”660″ height=”446″ />

If you already have a bad Credit Bureau, you will often no longer receive a loan from the house bank, branch bank or online banks. The solution would then be the Credit Bureau-free loans from abroad. These loans are advertised by credit agencies that specialize in difficult loan searches. However, the customer should make sure that they hire a reputable broker. Pre-costs and dubious insurance contracts are excluded from a reputable broker.



Basically, it is important to note that a marriage loan only has to pay the partner who has signed the loan agreement. If both partners sign, both are liable. If the separation is due and one partner only transfers half of the rate, this cannot be tolerated. The bank won’t care whether the couple lives separately or not.

If the partner has to pay the installments that are also subject to maintenance, these can be reduced in whole or in part.

Swiss loan without Credit Bureau for 3500 USD.

Did you know that a Swiss loan without Credit Bureau, with a loan amount of USD 3500, has not come from Switzerland for a long time? The article provides all the important information about Swiss credit without Credit Bureau 2013.

Swiss loan without Credit Bureau – 3500 USD Credit Bureau-free small loan

Swiss loan without Credit Bureau - 3500 USD Credit Bureau-free small loan

Switzerland is known and famous for many things. Everyone involuntarily thinks of mountains and snowy landscapes. Switzerland is also an important financial center. For a long time, Switzerland was a safe place for the wealthy people’s investments and special loans for poor people. A Swiss loan without Credit Bureau, with a loan amount of 3,500 USD, is part of Switzerland’s public image.

It was not only the name of the country of origin that shaped this type of loan. Many also associate the sums of 3,500 USD and 5,000 USD with this foreign loan. Unfortunately, the Credit Bureau-free credit facility from Switzerland also repeatedly caused negative headlines. Reason enough for the Federal Financial Supervisory Authority (Banking and Finance) to intervene. In 2003, Banking and Finance prohibited Spin Lender from granting loans in Germany. A long legal battle followed through all instances. Six years later in April 2009, the Federal Administrative Court ruled finally.

The company was no longer allowed to grant loans to Germans. The last real Swiss loan without Credit Bureau disappeared from the market. Spin Lender and presumably also the competitors from Switzerland lacked a decisive banking license. Without this license, future loans to Germany, which is around 90 percent of Fidium’s business, would not be legal.

Swiss loan from Liechtenstein since 2010

Swiss loan from Liechtenstein since 2010

The court ruling had far-reaching consequences. Financing without Credit Bureau was suddenly no longer legally possible from one day to the next. To compensate for the gap, various loan concepts were tried in the context of private lending. The result, however, was extremely devastating for the credit intermediation industry.

A loan without Credit Bureau, if there was any investor at all, became prohibitively expensive. At that time, effective annual interest rates of 20 percent were reported. Those who saw no other choice and took advantage of these offers often got into a spiral of debt, which in turn produced negative headlines. It was not until 2010, when Across Lender was founded, that the credit opportunities for affordable, Credit Bureau-free loans improved again. Since then, however, the Swiss loan without Credit Bureau, with a loan amount of USD 3500, no longer comes from Switzerland, but from Liechtenstein.

This time, in compliance with the law, the Lite Bank has practically completely adopted Spin Lender’s concept for success. According to unconfirmed sources, the same investors are behind this bank that previously stood behind all Swiss credit providers. The interest rates for a Liechtenstein loan are of course still adjusted to the credit risk. With an effective APR of 11.62 percent, they are roughly at the price level of an average overdraft facility.

Credit conditions for Swiss loans 2013

Credit conditions for Swiss loans 2013

A Swiss loan without Credit Bureau is endowed with a credit sum of 3500 USD or a net credit sum of 5000 USD. The loan offer of the Lite Bank is aimed exclusively at employees who are subject to social security contributions. The employment contract with the current employer must have existed for at least 12 months. Loan protection is based solely on the secure monthly income. Therefore, depending on personal circumstances, income must significantly exceed the garnishment exemption limit. Guarantees or property collateral cannot compensate for a low income.

Employees whose income is seized or the attachable portion of the income has ceded cannot qualify for a loan. In addition, the public debtor register is viewed for the credit check. Anyone who has submitted the EV or has another entry in the public debt register is also excluded from lending.

Credit conditions for approved Swiss loans

Credit conditions for approved Swiss loans

For a Swiss loan without Credit Bureau, with a loan amount of USD 3500, the Lite Bank calculates 11.62 percent APR. The loan is repaid in 40 equal monthly installments of USD 105.95 each. A total of 4,238 USD must be repaid for 3,500 USD of Swiss credit.

A single person without any maintenance obligations must prove at least USD 1,130 monthly net income in order to qualify for the loan. If the prospective customer has to support a person who is subject to maintenance, the minimum income increases to 1,550 USD.

Child benefit and other social benefits from the state cannot be counted as income. For Swiss credit without Credit Bureau, with a loan amount of 3500 USD, only the net labor income counts as credit-relevant income.