Are you looking for a loan despite Credit Bureau – without prepayment – but have not been lucky so far? Or are you skeptical because the press literally tears up every special loan broker in the air despite a negative credit rating?
Our small online advisor clears up unfounded prejudices. You will learn how to recognize doubtful loan promises. In addition, we provide the facts of what the bank really values when it comes to lending. Finally, the guide names the recognized, reputable alternative to the classic credit broker.
Credit despite Credit Bureau without prepayment – serious intermediaries
In the press, in online forums and on consumer protection websites, negative headlines about credit are falling through despite Credit Bureau. It almost seems as if, despite Credit Bureau, a serious loan cannot be found anywhere in the internet without prepayment. But the reality looks different.
Every credit broker is legally prohibited from requesting advance payment for his services. The media-prepared cases are either very old, maybe there was no regulation yet or they out real black sheep. Reputable credit brokers never require prepayment. You will only receive the agreed commission for successful loan brokerage.
Nevertheless, people still feel called, in anticipatory gratitude and hoping for a loan, to pay in advance. It mostly affects people who have already tried their luck at other intermediaries and who did not get a loan. You are open to every opportunity to respond to advertisements that are viewed with clear common sense and promise something impossible. Please do not believe that a Credit Bureau-free loan is in the account within hours or a few days. Don’t believe any advertising that presents negative credit lending as easy to approve.
There is no adequate real loan that is waiting for people with negative credit ratings. Every credit decision is made in the event of a negative credit rating as the result of an exact individual case check. Smallest inconsistencies lead at least to demand or directly to the loan refusal.
Only a good handful of credit institutions across Europe are interested in lending despite Credit Bureau. All reputable brokers for whom the loan is a matter of course, despite Credit Bureau without prepayment, ask these credit providers. There is therefore no sensible reason to jump from agent to agent and to accept ominous demands.
Tricks of dubious intermediaries – so you do not fall into the trap
Other business models are much more problematic than fraudulent, but obviously asking for prepayment. A typical method begins with despair. A real loan despite Credit Bureau without prepayment is checked hard. Despite the preliminary review by intermediaries, the rejection rate is high. Credit opportunities only have people whose only credit problem is a negative Credit Bureau entry.
This turns the search for credit into a desperate gauntlet for all “unsuitable” applicants. In order to preserve supposed credit opportunities, applicants sign insurance contracts, savings contracts or pay completely excessive costs for the reimbursement of expenses.
Savings contracts and insurance contracts, for example, reduce your creditworthiness even further. You prematurely worsen your credit chances! If you are offered financial products in addition to your loan, all alarm systems should ring at you.
A trick you don’t immediately notice – data theft instead of credit prospects
Everyone loves to conveniently submit their loan request online. Many intermediaries also offer this service in connection with a non-binding preliminary credit check. If you agree to the unspecified data transfer during an online credit check, cancel the process.
Your real data – as a delinquent payer – is worth cash. Instead of a loan, you may expect a nasty surprise the next time you shop online. You are sure to be asked to pay in advance if your data has only been included in the test software.
Credit despite Credit Bureau without prepayment – serious and Credit Bureau-free financing
The real loan without Credit Bureau from a bank, as serious credit brokers have in its program, comes legally only from a foreign bank. The emphasis is on “ONE”. As far as can be researched, only a single foreign bank is authorized by the banking supervisory authority to offer Germans a Credit Bureau-free loan. It is Cream Bank based in Liechtenstein. Although you know the name by now at the latest, you would be badly advised to try it on your own.
A serious credit pre-check, of course free of charge and without data transfer, prevents unnecessary upfront costs (document authentication, fee-based Post-ID) and disappointments.
If this preliminary check confirms the chance of a loan despite Credit Bureau without prepayment, you can add “without agency fee”. Cream Bank pays the usual brokerage fee directly. It will not be added to the loan or charged to the applicant afterwards. From this perspective, the support of a reputable billing agent does not cost you a cent extra.
Private lenders – serious loans despite Credit Bureau without prepayment
Credit from private to private gives private lenders much greater freedom of choice than any bank loan. Despite Credit Bureau, borrowers and investors seriously merge the brokerage portals Good Finance and Best Lender for the loan. Both portals enjoy the best public reputation for serious credit brokerage.
Despite the high willingness to take risks, private donors naturally have no money to give away. Serious hopes of an approved loan despite Credit Bureau without prepayment from private can only be made by applicants who can prove their secure solvency beyond any doubt.