Loan without proof of salary and Credit Bureau
If you urgently need cash and the Credit Bureau entries are negative, that’s still not the end. There is also the possibility, under certain conditions, to get a loan without proof of salary and Credit Bureau.
Difficult loans with negative Credit Bureau entry
Of course it is not easy to get a loan without proof of salary and Credit Bureau. Who is looking for these types of credit, of course only people who have a negative Credit Bureau entry and therefore cannot apply for a normal loan. If you then do not have a regular income, the application is even more difficult. No normal financial institution will grant a loan in such a case, and online purchases will also be rejected. Orders on account are usually only carried out in advance. However, there is still a way to get cash. In this case, only the detour via a Swiss loan remains.
Loans with no regular income
It is only possible to completely hide Credit Bureau for foreign loans. No request for the loan is made, and the loan is not reported to Credit Bureau. Most of the time, however, a separate, regular income is required. If this cannot be shown, only certain loan collateral can result in the granting of credit. But what collateral could help in such a case? The first option would be a loan with a solvent guarantor entering the loan agreement.
The guarantor, of course, bears the same risk as the applicant himself. In addition, effective interest of 11.6 percent must be expected. In this case, it would of course be cheaper if the guarantor applied for the loan himself, since the interest would then be significantly lower. A small loan of 3,000 dollars would be possible for 2.9 percent.
Loans via property collateral
In addition to a surety, property collateral could also lead to a loan without proof of salary and Credit Bureau. That would be, for example, life insurance or the pledging of a property. Even then, a Swiss loan without Credit Bureau and proof of income would be possible. Of course, this particularly applies to borrowers who receive unemployment benefits or Harzt IV. There are also loans from private individuals for private individuals, but even then a form of the named security must be available.