In Germany, the banks always carry out a private credit inquiry before granting a loan. If there are negative entries, this usually leads to a rejection of the loan. In the case of a loan through a bank in Switzerland, on the other hand, there is no check by private credit, which does not include an approved loan in the private credit. Nevertheless, certain conditions must also be fulfilled for a private credit-free loan. Thus, the borrower must have been in a permanent and permanent employment relationship for at least 12 months.

For this, a sufficient income is needed, which must be above the attachment exemption limit. In addition, the private credit credit can only be applied for by persons over 18 years with a permanent residence and job within the Federal Republic of Germany. As a further requirement, a German checking account is required. Anyone who meets all requirements can apply for the loan directly via the Internet.

Pay attention to credit without advance payment

Pay attention to credit without advance payment

Although most credit intermediaries work very seriously, there are some black sheep among them. These are usually recognizable by the fact that the placement commission must be paid in advance. In many cases, however, there is no provision of a loan after payment of the commission. In many cases, these intermediaries also offer loans for the unemployed or recipients of Hartz IV. However, since a private credit-free loan requires a permanent employment relationship, these are always dubious offers. This also applies in the event that the credit intermediary makes the approval of the loan dependent on the conclusion of an insurance policy or a home savings contract.

Apply for credit without advance payment online

Apply for credit without advance payment online

To apply for the loan, it is sufficient to complete the corresponding placement order of a credit intermediary online. If all prerequisites for the loan are met, the customer usually receives a loan offer by e-mail. Upon acceptance of the offer, the loan agreement will be sent by post to the borrower. He then only has to sign the loan agreement and send it to the bank with the required documents. The payment is then usually postable or, if desired, by bank transfer to the checking account.