If there are gaps in the credit rating,
Then in most cases, the credit bureau is guilty of it. Mostly it has negative characteristics, which can be reflected very fast badly in the credit rating. If funds are needed in the form of a loan at a low level, then many consumers first think of a credit bureau-free loan. In the best case to a 3500 USD credit, which gets along completely without the inquiry of the credit bureau.
With a negative credit bureau it is difficult to find a suitable and worthwhile loan. The traditional banking houses reject lending from home if it is not accompanied by a solvent guarantor. But not everyone wants to get the credit started with the help of a guarantor.
For this reason, there is for some years a credit bureaufreien credit known as credit and get along without the query of credit bureau. They thus close a gap in financing and ensure that millions of Germans, despite negative credit bureau have the opportunity to take a $ 3500 loan.
Ask now for your 3500 USD Credit without credit bureau. Free application – no pre-costs and obligations. Fast transfer and processing.
Who will make the $ 3500 loan available?
The term ” credit” has become a household word for loans that come from abroad and do without the query of credit bureau. It is not a bank from Switzerland, which provides this loan. Rather, it is Nagisbank, which is based in the small Principality of Liechtenstein and since 2010 has been providing loans without credit bureau in the amount of $ 3,500.
The loans are granted to German citizens who have their permanent residence in Germany and who are looking for a loan option in which credit bureau does not play a relevant role in the loan application. Because in the allocation of such foreign credits is waived the query of credit bureau.
In addition, prospective creditors must be able to prove that they have a permanent residence in Germany, have a German bank account and are at least 18 years old.
For whom is a $ 3,500 loan without credit bureau?
We have already named the first key data regarding the requirements for taking out a 3500 USD loan. But based on these key figures, the group of people who are entitled to such a loan can not yet be fully crystallized.
Who is looking for a loan despite negative credit bureau knows that he does not easily get a loan from most German banks. As a rule, there is no credit at all and even an adjustment of the loan can not be promised.
It is important that the $ 3,500 loan be taken on its own, if you want to keep the costs as low as possible. The main target of this loan is people who have a negative attitude and who nevertheless need financial support.
If one does not dare to borrow abroad or needs more comparison offers, one can turn to a reputable credit intermediary such as Maxda. In many cases, an intermediary is often the only chance to receive a 3500 USD loan without credit bureau.
What do you have to earn to receive a loan of 3500 USD?
However, it is also a fact that this loan is only suitable for consumers who have a permanent job and on top of that have an attractive income. Attractive income means that a social security income must come from a permanent position.
This income subject to social security contributions must be significantly higher than the exemption. How high this garnishment exemption amount is depends on the personal situation of the borrower. The decisive factor here is whether the borrower is liable for maintenance of third parties. The amount of the seizure tax exemption can be found in the garnishment table, which is created every year.
In addition, Nagisbank looks very clearly at what spending the prospect has. The monthly expenses must be well below the monthly income, so that there is a positive difference. From this positive difference, the monthly installment for the loan must be able to be raised.
Who can not feel addressed by the $ 3,500 loan without credit bureau?
It goes without saying that Nagisbank looks very closely at who is asking for the $ 3500 Loan without a query from credit bureau. Employees, workers, and civil servants have very good chances of getting a loan if their income is right and their spending is below revenue.
Hartz IV recipients, the unemployed, pensioners, housewives, students, the self-employed and freelancers have no chance of such a loan. You can not have the required fixed income and are therefore not eligible to apply for a $ 3,500 loan without credit bureau.
Anyone who comes from these groups of people must be able to name at least one guarantor for such a loan. But even then it is not certain that a loan will be awarded. Rather, it is the case that the loan must be postponed until I have significantly improved the financial situation around the income.
Also not entitled to credit are those who have deposited an affidavit, are in bankruptcy or are subject to a warrant. No credit can be granted on such criteria, and Nagisbank naturally adheres to this rule. For Nagisbank, this is important to keep default risk as low as possible for the loan. For if the customer can not repay the loan, the bank incurs losses. And she will know how to avoid that at any cost.
What condition can be expected for the $ 3,500 loan without credit bureau?
Nagisbank has created firm conditions around its loans. An advantage for the borrower, as he can inform himself in advance exactly what conditions are offered.
Thus, the $ 3500 credit is always provided with a maturity of 40 months. The repayment starts 2 months after the payment of the loan. All costs are included in the effective interest rate. How high this is and how high the monthly installments are can be found on the website of Nagisbank.
Since it is a fixed rate, which is not based on the creditworthiness of the prospect, can be planned in advance and considered whether the borrowing makes sense or not.
Apply for a 3500 USD loan without credit bureau directly online.