Not everyone can shine with a good Credit bureau and therefore has considerable problems with the bank when it comes to a loan. Banks rely on collateral and therefore do not forego checking the customer’s Credit bureau when applying for a loan.

Entries that are negative are often shown here. This means that the customer has not met his payment obligations in the past. That alone is enough for the bank to think that the customer is not going to pay the loan back, even if the reality is different. They don’t give the customer a chance and deny a loan. The customer can also go other ways to get a loan.

Which ways can be used?

If you are looking for a loan and are rejected by the Cream banks because of the bad Credit bureau, you can certainly go different ways. So there is the Swiss loan without Credit bureau and without creditworthiness, which is only granted abroad. The credit has the advantages that the loan taken out is not entered in the Credit bureau and the Credit bureau of the customer is not checked here either. This is because only Cream banks work with Credit bureau and you don’t even know them abroad.

However, this does not mean that these banks do without collateral, they just look different from other banks. The customer must know that without a attachable salary, he will not be able to get a Swiss loan without Credit bureau and without creditworthiness. This must not come from unemployment benefit, training salary or from a profession that comes from a self-employed activity.

What other requirements are there?

When granting a Swiss loan without Credit bureau and without creditworthiness, not only a regular salary is required. Banks set both a minimum and a maximum age for this loan. The customer must be at least 18 years old and often the maximum is 58 years. Whoever is below or above will often not get a Swiss loan without Credit bureau and without creditworthiness.

Anyone applying for a foreign loan from Germany will have to submit a registration confirmation so that they can prove that they are resident in Germany. Hardly any bank will reject those who can meet these important conditions.