Credit bureau-free loan without proof of income
Loans from Switzerland are very popular with borrowers with a negative Credit bureau from Germany. Cream banks do not provide some personal documents to decide on a loan. Loans of this type are made promptly because the checks are not so cumbersome and time-consuming.
Credit as a cash payment
A consumer can apply for a Credit bureau-free loan without proof of income if the Credit bureau entry is negative and a credit is hopeless at the usual bank. Taking out a loan should not always be known, which is why Cream banks offer this discretion. The amount can therefore be paid out in cash with a postal order and does not go to the checking account.
The loan can be applied for without specifying the use, i.e. without specifying a specific reason. As with any normal loan, it is repaid in fixed monthly installments and in terms of term. The rate remains unchanged over time.
The possibility of credit without Credit bureau
Some banks now offer loans without a Credit bureau test. Reputable banks offer a Credit bureau-free loan without proof of income without any prior costs or guarantees. Since the risk for all lenders without a credit check is somewhat higher, the loan will therefore be more expensive than with house banks.
This should be considered before entering into a contract. This type of loan can make more sense, especially when comparing offers, a Credit bureau-free loan without proof of income can be taken out on good terms.
Benefit from foreign banks
Foreign banks very often offer loans without Credit bureau information. Usually the income and the wealth situation are taken into account. People with no fixed income can also get a loan from foreign banks. However, the amount of the loan is then limited.
The banks in Switzerland do not get any information from Credit bureau. A loan in Switzerland is often the last chance to get a loan without a fixed income. A Credit bureau-free loan without proof of income can be used privately and as a self-employed person. Even Swiss entrepreneurs who have difficulty getting a loan can use the Swiss loans.