Loans are part of life today, because loans can be used to bridge financial bottlenecks, finance new acquisitions or simply fulfill long-cherished wishes. But getting a suitable loan is not always easy. While all banks are willing to grant a loan with good income and positive Credit Bureau information, the loan application is usually rejected without comment if the credit rating is negative.
The most important factor here is Credit Bureau information; if it is negative, the chance of obtaining a loan from the house bank is very slim. Even with current loans, a refusal often threatens if another loan is applied for.
Credit possible despite negative Credit Bureau
The solution is a loan despite Credit Bureau registration. This type of loan enables borrowing even after a loan application has been rejected by the house bank. Despite Credit Bureau’s registration, the loan is offered by reputable credit intermediaries. This type of loan is often referred to as Swiss credit because banks based in Switzerland are particularly active as lenders for loans despite negative Credit Bureau, but banks from other countries also actively work with credit intermediaries and consciously refrain from obtaining Credit Bureau information.
With an appropriate income, the Credit Bureau entries are irrelevant. A loan despite Credit Bureau entries is usually not associated with upfront costs. The reimbursement fee only applies to reputable credit intermediaries when a loan is granted and is already integrated into the monthly credit installments.
Credit Bureau-free credit can also make sense with a good credit rating
The loan despite Credit Bureau registration is a chance for many to get another loan. But even those who have no Credit Bureau entries should take a closer look at the offers. Even with a good credit rating, it can make sense to use a Credit Bureau-free loan. Credit without Credit Bureau not only means that no Credit Bureau query is carried out to assess the creditworthiness, it also means that borrowing does not lead to entries with Credit Bureau.
This can be useful if a higher loan is needed at a later date. Loans still in progress that are registered with Credit Bureau often cause banks to rate credit ratings poorly and offer poorer conditions or refuse to grant loans.
Credit comparison saves hard cash
Especially when it comes to a loan despite Credit Bureau registration, there are prejudices. However, the current offers refute that loans with negative Credit Bureau entries are offered with poor conditions. In the area of the so-called “Swiss loans” there are very good offers that are quite competitive and comparable to conventional installment loans. However, it is advisable to use a credit comparison for the loan despite Credit Bureau registration.
There are numerous offers on the market and only a comparison really clarifies which loan broker offers the cheapest loan despite Credit Bureau registration. The amount of the interest rates differs very much and so you can only find the cheapest offer by comparing them. Since a comparison is possible free of charge and takes up little time, you shouldn’t do without it, because ultimately you can save money by choosing the cheapest offer.