There are moments when money is needed only for a short period of time. This can be for paying a high annual bill of the energy supplier, or a back payment to the tax office, but also to fulfill small wishes.
For whatever the money is needed, mostly a microcredit must serve for it. However, if the credit check has been negative, approval for a loan will be very difficult. In question then comes only a small loan without private credit.
Who grants loans without private credit?
No bank in Germany grants a loan without first checking the creditworthiness. Negative private credit entries do not give credit to banks. However, those affected can often receive a small loan without private credit from abroad. The banks that are willing to come mainly come from Switzerland. Hence the name “Swiss Credit”. The entries in the private credit have no effect here, because the banks are not interested in what they have stored about the applicant. But they too want to see collateral. A permanent job is therefore essential.
line of credit
Many account holders can overdraw their checking account. Who wants to use this Dispo, must not ask. An appointment with the clerk does not have to be agreed beforehand. The amount of the disposable was defined at account opening and is also on the account statements. The good thing about this overdraft facility is that no private credit query is made if the account holder uses it.
The query already took place when the account was opened. The account holder can use this Dispo as a small loan without private credit, if this is sufficient in the amount. This is expensive, but saves the transition to the clerk or the financial services provider. The amount of the Dispos depends on the income.
Usually twice or three times the monthly cash receipt. That might be enough for a small loan under certain circumstances. However, it should be compensated as quickly as possible, because interest rates are in the double-digit range.