Anyone looking for a Swiss loan without credit checker without any upfront costs has two options. He can apply for a credit checker-free Swiss loan without any upfront costs through a reputable credit broker or directly from the credit bank. We have summarized for you which application path is worthwhile and what you should pay attention to.
Swiss credit without credit checker without upfront costs – offers
A Swiss loan without credit checker and no upfront costs from credit brokerage companies is advertised. Advertising should already show that the agent takes the legal regulations seriously. Section 655c of the German Civil Code stipulates that credit intermediaries may only claim commissions after successful credit mediation. In addition to the success commission, the agent may charge the highest expenses for costs incurred. The actual cost trap threatens, with a dubious loan provider for Swiss loans without credit checker, therefore in the expenses.
A typical trick to drive up the expenses is the home visit. A serious loan without credit checker can easily do without the “extra service” of a personal visit by the credit broker. The credit conditions can also be read online or, if in doubt, obtained directly from the loan provider. The loan application for credit checker-free financing is very simple and understandable. No one really needs help filling out the few lines.
A credit broker can only be helpful if a Swiss loan without credit checker is not the only option. Interested parties who “only” have a bad credit checker could qualify for a loan despite credit checker from Germany. In contrast to Swiss credit, for which there is only one provider as far as is known, there is a wide range of offers for domestic loans. Only a credit broker can offer access to all domestic credit banks that offer the loan despite poor credit checker.
Credit without credit checker and without upfront costs – direct offer
The advertising for a Swiss loan without credit checker and without upfront costs could suggest a wide range of offers. Up to April 2009 there were actually several credit providers that offered credit checker-free loans from Switzerland to Germans. The Federal Administrative Court prohibited further activity in Germany in April 2009, the then largest credit provider for Swiss credit. As a result of the judgment, all credit providers withdrew.
As far as is understandable, a legal loan without credit checker has only been possible for Germans again since the end of 2010. The credit provider is Best bank from Liechtenstein. The bank was founded especially for this purpose. It has the necessary licenses that previous credit providers lacked. Otherwise, little has changed in the model of Swiss credit without credit checker. The loan can be applied for through a reputable credit broker or directly from the Liechtensteiner Kreditbank. With the direct application, apart from the personal postage costs for sending in the documents and a certification, there are no expenses.
The loan application for the Swiss loan without credit checker and without upfront costs can be downloaded directly from the provider’s homepage. You can apply for 3,500 USD or 5,000 USD credit checker-free credit. Regardless of the loan amount, repayments must always be made in 40 equal monthly installments. credit checker free cost 3,500 USD credit 11.62 percent APR, 5,000 USD 11.61 percent. The monthly installment payment for 3,500 USD amounts to 105.95 USD. For 5,000 USD, 151.35 USD per month are to be paid. Before submitting an application, everyone should look at the approval requirements.
Approval requirements for Swiss loans without credit checker
A credit checker-free loan is not an everyday loan. Strict conditions are attached to the license. The offer for a Swiss loan without credit checker without upfront costs is aimed exclusively at employees who are subject to social security contributions. The employment contract with the employer must be unlimited and not terminated. In addition, the employment relationship must exist for at least 12 months. There is only one exception for temporary soldiers.
There are also special requirements for net income. It must clearly exceed the garnishment exemption limits. All credit protection is tailored to the borrower’s income from work. A surety or pledging a property security cannot improve the credit opportunities. Of course, no seizure of income may exist or the attachable portion of the income must have been assigned.
Another hurdle for many interested parties is the public debt register. The public debt register is queried for the credit check of a Swiss loan. An entry, for example about the submission of the affidavit, is a KO reason for the credit check. Advertisements that promise a Swiss loan without credit checker and no upfront costs despite EV must be viewed with extreme caution.