Apply for a Swiss loan »Alternative to the German bank loan.On October 19, 2019 by admin
Swiss banks are not only popular with the rich in the world. Even debtors appreciate the Swiss loan, because in the neighboring country, the Credit bureau remains out. But not all hopes are fulfilled. The often-demanded Swiss loan for the unemployed is mainly in the advertising dubious credit intermediaries and cheaper, the loans even with medium credit rating are not always. We recommend a Swiss loan only in the sense of a “credit without Credit bureau”.
A single person can receive around 2,200 USD in unemployment benefits, with at least one child even almost 2,500 USD. Although this is well above the seizure exemption limit, but also unemployed have often hard. Because the performance is usually paid for a maximum of one year, only for older people for up to two years. The loan must therefore be paid off before the unemployment benefit expires in order to have a good chance. But in most cases, the repayment term is more than just a year or two.
However, the credit check is often highly standardized. The unemployed fall immediately through the grid. An alternative to bank credit can, with a high enough income, but be a private loan through a credit platform like Trucredit.
The unemployed should be cautious if credit intermediaries promise a jobless loan or a Swiss loan for the unemployed despite low social security benefits and charge a fee in advance for the placement. Reputable credit intermediaries always make a free and non-binding offer first, the credit advance payment is often a rip off.
Pixocredit offers applicants the opportunity to compare loans with and without Credit bureau. Because often the loan with Credit bureau is even cheaper with a negative entry. Anyone who does not get credit with Credit bureau has no disadvantages from the request. The sheer interest in a loan does not go into Credit bureau’s algorithm.
The application is first submitted through the website of the credit intermediary. He then sends a loan offer that must be returned to the address given there.
Credit-mono is test winner of Swiss Credit
Another Swiss provider of loans without Credit bureau is Credit-mono. Credit-mono has become the test winner in our credit comparison “Credit Without Credit bureau”. Credit-mono works as an intermediary between clients and other banks. The company has more than 40 years of experience. It specializes mainly in loans without Credit bureau from Switzerland.
It does not matter what the loan is needed for :
- Debt rescheduling of loans, debit, credit card debt etc.
- Furniture purchase or other facilities
- car loan
- Finance holidays
- Real estate financing
No matter what money is needed, Credit-mono will find suitable offers. Many customers are of the opinion that they receive a loan without Credit bureau only in Switzerland. But that’s not the case. Credit-mono cooperates with many banks and credit institutions from all over German-speaking countries. Although financial institutions in Germany must conduct a Credit bureau query.
But under certain circumstances, they still grant a loan, even if the Credit bureau information does not look quite so great. The background is that it is easier and faster for the customer to obtain a “credit despite Credit bureau”. Banks often lend to minor deficiencies in Credit bureau, so if a mobile phone bill was not paid on time, it’s not a reason for many banks to reject it.
Only if this is not possible, Credit-mono will try to find a provider in Swit- zerland that finances the desired loan. However, since then no Credit bureau request takes place, the application process is more extensive. After all, all data must be checked and evaluated “by hand”.
Among other things, Credit-mono was named test winner for these reasons :
- Instant loan without Credit bureau from 1,000 USD to 100,000 USD
- Extremely fast credit processing within 24 to 48 hours
- Everything can be financed from TV to real estate
- New purchase or rescheduling does not matter
- Even difficult cases feasible
- Whether employees, pensioners, civil servants or self-employed
- No fees and costs for the mediation
- Customer can decide for himself which offer he accepts
With Credit-mono there are no fees for the comparison and for the conclusion. The company receives a commission from the intermediary bank. The customer does not have to pay any fees for the search – no matter if it comes to a conclusion or not. Even the low entry fee of only 1,000 USD makes the provider so attractive.
And a maximum of 100,000 USD can be financed immediately, with most banks completely impossible. Credit-mono really works according to the motto “Where others stop, let’s start”. Even people with a bad credit rating can hope to get a loan.
Very interesting is also the possibility that self-employed persons can also benefit from a Swiss loan. In Germany, most companies exclude this profession from lending. For many, the application process is too complicated, since every case has to be checked individually on the basis of balance sheets, etc.
Not so with Credit-mono. Here, traders, self-employed and freelancers also get the option on a loan. However, the company must already exist for at least 2 years.
Creditworthiness must also be right for Swiss credit
As already mentioned, creditworthiness must also be right for a Swiss loan. If you have no income at all, you will not receive any credit in Switzerland. How else should the customer pay his installments? In this case, another borrower can be an aid, which in turn has a sufficiently high income. Or the inclusion of a guarantor in the loan agreement can increase the chances.