Negative Schufa? Bad credit? We inform you about the chances to get a credit disbursement in case of creditworthiness problems.
Can I still get a loan with my bad credit rating? If you're feeling insecure about your credit score, you're not alone in that regard. More and more consumers and entrepreneurs are concerned – especially in Corona times – about the quality of their own credit rating.
We from "Der-schnelle-Kredit.de" do not think however that bad Schufaauskunfte must necessarily stand in the way of the granting of a private credit. Getting a personal loan with a bad credit report shouldn't be impossible, and that's why we do our best to give all Germans a fair chance to get paid off. Stop with and without credit rating. On this topic, also read the 6 tips on how to improve your chances of getting a loan.
Credit can be applied for in any city
We pride ourselves on being able to operate throughout Germany through the web. So regardless of whether you have googled "financing without Schufa in Hamburg" or "cash without credit rating in Berlin", you can be sure that if we can help you, this can always Germany wide. The advantage of not even having to leave the house for this is not to be underestimated, especially in times of Corona.
Basic information about credit rating and creditworthiness
Credit score is an important factor in the life of a financially independent adult. However, most people are not sure what these two terms mean when it comes to paying off a loan, signing a cell phone contract or renting a new apartment. Credit is the name of the game when entering into a longer-term contract.
Why a bad credit rating?
A low credit score is associated with a poor credit rating and can be the result of various incidents that may have occurred some time ago. These incidents can be, for example, unpaid demands for payment on phone bills, electricity bills or overdue payments on loan installments or credit cards.
We know ourselves that in economic life it can be a big challenge to make payments on time or not to forget them. Even if you have managed to pay off outstanding debts in the meantime, your sins from past times will add to your credit rating in the near future.T. immense damage.
How can this poor credit rating affect me?
Basically, a positive credit history is your financial track record and can have a big impact on your ability to get approved for a loan. Consequently, a poor credit score can mean the difference between success and failure when taking out a loan.
Whether you're looking to buy a used car to get to work or you're looking to buy some new furniture. A bad credit rating makes it almost impossible to get a loan. But not only the. Earlier mistakes can even have a negative effect on it, for example, if you want to rent an apartment or a house. Schufa forgets nothing. Even landlords are rarely interested in a counterpart who clearly does not have his finances under control.
In keeping with the theme of household indebtedness, our post on how over-indebtedness will increase as a result of Corona is also relevant.
Your credit score can greatly affect such things that are taken for granted in our lives. At least as long as we didn't have any credit rating problems.
Bad credit rating = bad interest rates
When you apply for a loan, bad interest rates can be the result of a poor credit rating and often make the cost of interest expenses much more expensive.
But we do not believe that a bad credit rating means the end of the world. Here's how we try to take a realistic look at your finances through our partner Bon-Kredit. What does? Now, we will get a picture of your current financial circumstances by reviewing bank statements, employment status, and pre-existing financial obligations to determine whether or not you can be approved for a personal loan.
However, it is important to remember that our partner(s) are obligated to perform a credit check z.B. will be carried out at the Schufa.
How to improve my credit score ahead of time?
You are wondering how you can improve your situation? On-time repayment for any type of financing is a step in the right direction. Paying bills on time, paying off existing obligations, and keeping your overdraft as low as possible are just a few of the ways to improve your credit score.
Options such as credit summary or. -Debt restructuring are also advisable to consolidate all existing payment obligations into one simple repayment to just one lender. High and expensive overdraft facilities can also be paid off as a result. All of this also helps build a positive credit story.
Quite great tips. However, these will not help with the current credit standing. Some of the mistakes you made were made years ago!
Do you need a loan with bad Schufa? We may be able to help you with this!
The fact that you've read this far leads us to believe that you may be. seriously look for a loan. We believe that all Germans should be entitled to financial freedom, so to speak.
Our team of loan experts strives to help you find financing even with bad credit, because we understand that sometimes things in life just don't go exactly according to plan. Poor creditworthiness can often result from adverse circumstances alone. Before you know it, you are in a difficult situation from which there seems to be no escape.
So if you've been wondering if you can finance with bad credit: Then you've come to the right place!
Not every request is approved – but every request is reviewed and processed!
We certainly don't claim to approve every application. This would be frivolous! However, we guarantee a fair and reasonable assessment of your credit situation. A realistic look at your finances is done by professionals. In other words, your credit score is looked at "humanly" rather than by automated software.
Realistic assessment This is how their current employment status and your financial obligations are taken into account by an experienced lending team. We believe the most important part is to realistically evaluate how you will repay your loans.