What are the chances of getting a loan in a serious manner despite a negative reputation and creditworthiness? As a rule, this question is answered quite succinctly with a “minor”. And indeed: With a traditional bank, you don’t even need to apply for a loan under these conditions.
This would be rejected without hesitation. But what are the chances apart from the big donors? For example, by brokering a loan through a credit broker or by applying to a foreign bank?
A loan despite a negative credit rating and creditworthiness through a credit intermediary
Credit intermediaries operate primarily over the Internet, as they have the greatest possible customer appeal here. Your activities are not limited to any specific catchment area. They also work with a wide variety of lenders.
Credit brokers work according to a very specific scheme. In this way they take inquiries from their customers, record all relevant data and use this data to find a suitable lender. They charge an agency and processing fee for their services, which in most cases the borrower has to pay.
You should be aware of this fact from the start and plan the possible costs. Since a loan is sought despite a negative credit rating and credit rating, one must assume that the interest will be significantly higher than for a credit with a good credit rating. In addition, one should not expect large amounts of credit, since these require collateral that can hardly be raised in such a situation.
A loan from abroad despite negative credit and credit rating
A loan from abroad can also help with bad credit and creditworthiness. Here it is mainly Switzerland that is known for its financial support. You can apply for a Swiss loan either directly on the Internet or in Switzerland. Perhaps the loan can be combined with a short trip or vacation to Switzerland. So you can negotiate the conditions directly with the bank and get a good loan offer.
Important: Even if you get a loan without Credit Bureau in Switzerland, there must still be collateral. Among other things, this is a permanent job that generates a good income. Because even in Switzerland you have no money to give away and look very closely at who you lend money to and who you don’t. If you do not have a correspondingly high income, you should therefore look in advance for another credit protection. So that the desire for a loan can really come true.