Instant loan despite negative private credit – The best provider?

Within days, the express credit is ready

Once an invoice is not paid or a rate is not paid and already there is a negative entry in the Private credit.

Sometimes it can be quick, but free instant loans are an alternative to a temporary liquidity problem.

  • Fast payout without Private credit query
  • Ideal for borrowers with negative Private credit
  • Even small loans possible

Which possibilities for the instant loan despite negative Private credit offer themselves?

There are many different options online to apply for credit even with a bad credit rating. In our test, we took the individual providers under the microscope and awarded the test winner.

Loans from private to private with creditend or moneyor

Private borrowers who need a small cash injection as quickly as possible can call on the P2P intermediaries. Suppliers such as creditend and moneyor provide a platform for investors and borrowers who can come together here.

The advantages of P2P providers:

  • The money is paid out quickly
  • Private credit query is often not performed
  • Amount of the amounts is variable

The disadvantages of P2P providers:

  • No guarantee for a loan commitment
  • Partly quite high interest rates
  • Partial indication of collateral necessary

At auxmoney, loans are brokered from private to private

Microcredits: for the short bridge

If the money is already all, but the month is still a few days, there may be bottlenecks. These can be bridged, for example, by a microcredit. Vexcash or Xpresskredit offer fast microcredits and waive this part of a positive Private credit.

The advantages of microcredit:

  • Excellent for short-term bridging
  • Terms very low
  • Payout is fast

The disadvantages of microcredit:

  • Only small amounts between 500 and 3,000 euros possible
  • Repayment must be made quickly
  • Interest rates can sometimes be high

The concept of online pawnshop:

The online pawn shops are also very successful. iPfand is the most popular platform and offers the opportunity to store valuables. Again, the payment is made without a view of the Private credit.

The advantages of online pawnshops:

  • Valuables can be transferred for money
  • Fast bridging of money problems
  • Fast triggering possible

The disadvantages of online pawnshops:

  • High interest rates on the loans
  • If payment can not be made, the valuable item becomes the property of the pawnshop
  • Not all valuables are accepted

Our test winner: Private credit-free instant loan with Maxcredit

In addition to the alternatives to a loan without Private credit mentioned here, there are also direct intermediaries for an instant loan despite negative Private credit, such as Bon-Kredit and Maxcredit. In our test, the supplier Maxcredit was particularly convincing. The request for a loan is here completely free of charge and without obligation. In addition, the request is made within a few minutes. The payment is made in the case of a commitment directly and in the amount of 100 percent.

The fast processing speaks for itself. Maxcredit’s requests are also processed over the weekend or even on public holidays. This is especially beneficial when money is needed very quickly. The provider’s annual percentage rate ranges from 5.29 to 15.95 percent. Even if interest rates can go relatively high, there is also the possibility of receiving low interest rates. The offered interest rates are fixed here for the entire term, so they do not change. The contract periods range from 12 to 120 months and are therefore also very flexible. The loans without Private credit are mediated with amounts between 3,500 and 7,500 euros and are thus quite high. This Maxcredit scores with a very successful overall concept, which is quite a good way to get even with a negative Private credit a loan.

Maxda can score with a multitude of advantages

Conclusion:

There are several options for an instant loan even with negative Private credit. Maxcredit scores with a combination of fast processing, fair interest rates and flexible repayment. The request for a loan is not only completely free but also absolutely non-binding.