According to statistics, more than three million German citizens are affected by negative Private credit entries. Negative entries can occur, for example, if you constantly overdraw your checking account or can no longer service loan installments. With a negative Private credit score, the chance of obtaining credit at the house bank is almost zero. However, there are also providers who give an online loan without Private credit. Below we would like to introduce the credit-without-Private credit test winner of our online credit-without-Private credit test.
Credit-without-Private credit test winner: Important at a glance
- Effective annual interest from 4.90 percent
- Agency fee is due only after credit approval and credit
- Credit also possible with bad Private credit rating
- Maturities between 12 months and 120 months
What is a credit-without-Private credit?
It is not uncommon for beacons to reject loan requests because the Private credit score is too negative. But what should one do if one needs money, but does not get one because of the negative entries? Do not worry, it’s also possible to get an online credit-without-Private credit. Such a loan is a loan that is granted independently of Private credit and does not carry a Private credit note. Unfortunately, there are some black sheep in this industry who are trying to make a profit from the financial hardship of others. Interested parties should not rush and take a closer look at the offers. Often then find such dubious providers enormous costs, such as an agency fee, which is required before the loan approval. Far too high interest rates usually speak for a rather poor credit offer and customers should keep away from it.
Credit-without-Private credit test: That’s the winner
Crediter won the race for first place in our big credit-without-Private credit test. Test winner Crediter has specialized in arranging loans for more than 40 years. Its range of services includes instant loans up to 100,000 euros, ancillary loans up to 50,000 euros, loans for retirees up to 80 years, real estate financing even without equity and, of course, Private credit-independent loans.
The offer of the test winner Crediter
Credit offer received without obligation
Anyone who does not get credit from their house bank due to a negative Private credit rating, has the chance of getting a loan through this provider. The conditions for granting a loan are as follows:
- The borrower must be at least 18 years old
- The residence must be in Germany
- The borrower must have a regular income (employees, civil servants, pensioners, etc.)
A negative Private credit entry is in the credit-without-Private credit test winner usually no reason for refusal. In order to find the right offer for each customer, Crediter is in contact with up to 20 banks at home and abroad. As a result, the borrowers receive a non-binding offer. This is absolutely free and customers can refuse this at any time. As with all other providers in this sector, Crediter will incur an agency fee. However, unlike many other companies, it does not have to be paid until the successful conclusion of the contract and the money has been credited. This fact alone demonstrates the seriousness of the provider.
The annual percentage rate starts with our test winner at 4.90 percent pa At this point, however, it must be said that the amount of the interest rate depends on the creditworthiness of the customer and can be up to a maximum of 16.90 percent pa. Even though the maximum interest rate initially appears to be quite high, it must be kept in mind that Crediter takes on an increased risk when arranging loans to customers with a lower credit rating.
In terms of maturity, these are completely flexible and range from 12 months to 120 months. The possible loans are between 1.000 Euro and 100.000 Euro.
Our conclusion: Serious provider with years of experience
Many borrowers have already given up the hope of getting a loan to fulfill, for example, a big dream.
With our test winner Crediter, however, customers have access to a competent and experienced provider, who, even if creditworthiness is lower, usually allows a loan.