Getting a credit without credit is almost impossible. This would mean that banks lend money with no guarantee that they will ever get it back. For this reason, a credit without creditworthiness can only exist if additional requirements are met.
Creditworthiness, also known as creditworthiness, is usually always present when both a regular income and a positive private credit checker information is given. As an alternative, the bank could also accept other loan collateral, such as private life or pension insurance or a debt-free property. However, if none of these are available, a credit without credit will always be rejected. Unemployed people, reform recipients and highly indebted people in particular have bad cards when it comes to lending. The only thing that could help you would be a guarantor or a co-applicant who fulfills all the criteria required by the banks and is fully creditworthy.
Since German banks do not grant credit without creditworthiness, the people who urgently need such a loan have to go different ways. They may find what they are looking for in a circle of friends or relatives. If someone there agrees to grant a loan without creditworthiness, this represents a high level of trust. This should in no way be disappointed. For this reason, it would also be very important for a personal loan to adhere to the agreements made and to repay the money properly.
If you have a regular income and have been employed by your current employer for at least 12 months continuously, you could also get a loan without private credit checker from Switzerland. Even if the Swiss lenders refrain from obtaining private credit checker information when submitting the application, this does not mean that they also do without a credit check. There will therefore be no credit without creditworthiness in Switzerland.
Loans for the unemployed
In principle, unemployed and reform recipients cannot get a normal German bank loan or a loan without private credit checker from Switzerland. However, they too are once in a position to make larger purchases. If there are no savings at all, you can contact your group and apply for a credit there without credit. The responsible contact person is the respective service advisor.
He will carefully examine the loan request and will usually approve it whenever the financing seems appropriate. An important reason for a credit without creditworthiness exists, for example, if the unemployed person has rent or energy debts and now threatens to terminate the apartment or cut off the power supply.