In principle, it can happen to everyone: an acquisition is necessary, but the bank refuses the loan ´ with the indication that one or more negative entries are contained in the register of the Credit Bureau and the bank is therefore too big for another loan. The borrower can of course now still try to find another bank, but the likelihood that this loan will also be rejected is quite high.
Take out a loan without a credit check
In this case, a Swiss loan without a credit check is a solution to the problem. It is important that a Swiss loan without a credit check cannot be ordered from the house bank, but only via the Internet. Some institutions provide such a loan. Even customers with poor credit ratings must of course meet some basic requirements in order to obtain such a loan.
In principle, a fixed income is required, which must be documented by corresponding proof of earnings. Such a loan is not given to the unemployed, the self-employed or to students. Interest rates are always higher with such a loan because banks can pay for the lack of credit checks and the lower level of security that they seem to have with good money.
Another important point is that such a loan cannot be used to finance a house, because the amount is limited to 3500 dollars.
Every employee has the option of taking out a Swiss loan without a credit check. Of course, there is a risk of over-indebtedness here, and therefore this means should only be used very cautiously, otherwise it may be easy for the borrower to fall into a debt trap, from which it can be difficult to get out later.
Every reputable credit institution or credit intermediary has a credit calculator on the home page, with the help of which the borrower can easily calculate how high his monthly debit will be. Afterwards, each customer can decide for himself whether he can bear this burden or not.