Get credit without Credit bureau information and credit check.
As an alternative, credit brokers offer themselves, through which the customers can obtain a loan from a provider who does not conduct a Credit bureau query. Often these are banks from Switzerland, which attach importance to other parameters when assessing solvency.
However, this is not entirely without collateral, as, after all, a loss of payments represents a significant loss for the bank. Applicants must therefore expect to be required to disclose information about their finances in the case of a loan without Credit bureau Auskunft prove that they are capable of repaying the borrowed money in the area.
Another possibility is a loan from private individuals. Again, this is possible without further evidence only in a personal environment, for example, among friends and relatives.
There are now various online portals for arranging loans by private individuals, through which it is possible to convince private lenders of themselves and obtain a loan through them. Again, chances are better if there is a clear and secure plan for repayment.
Collateral because they want to avoid a repayment default and thus a loss. Therefore, a loan without Credit bureau is in many cases only possible with regular income. If you can not prove this, you must provide other collateral such as a guarantor or attachable property. On so-called peer-to-peer platforms, loans are provided by private investors. If you can convince them, you can get a loan here without asking Credit bureau.
The loan cost
The cost of a loan despite Credit bureau entry is usually higher than it would be the case with a regular bank loan, since on average the lender has a higher risk. A comparison of the different offers is therefore worthwhile, even if the loan is needed as quickly as possible. There should be no charge before disbursing the loan. If a provider calculates fees for the examination of the application or for a consultation, then a dubious offer can be assumed, which should be avoided.
If, on the other hand, the above criteria are taken into account and the offers carefully compared, then a loan without Credit bureau information can be a good way to quickly obtain urgently needed money and thus bridge financial bottlenecks.