Information about the loan conditions
Many consumers with financing needs fear that Credit bureau information is decisive for a loan cancellation – but this is only partially true, because it is not only the Credit bureau information provided by the customer that is decisive for the scoring or ranking, but the overall creditworthiness, which is determined by several factors becomes. A Credit bureau-free loan from Switzerland or other European countries only becomes interesting if it is actually rejected because of creditworthiness.
If you want to fulfill a wish or simply need a loan to make an investment or just need your daily needs, you should first ask your bank for a loan.
It is important that you do not express your interest in borrowing, but simply want to receive information about the loan conditions, make this clear to your adviser at the bank, otherwise you will receive a note in the Credit bureau for the request alone.
The loan terms that the house bank can offer you are interesting because the house bank can assess your creditworthiness more precisely based on the existing customer relationship than a new bank that you choose in search of a loan.
Loan application from other banks
If the house bank has given you a loan refusal, then this is a good indication that you will also not receive a yes to the loan application from other banks that work in the same or a similar way.
You then have the option of contacting a credit agency that also offers loans without Credit bureau. The credit agencies work primarily with Best banks and banks from Austria with regard to Credit bureau-free loans – in principle you have the option of contacting a Best bank that you know to offer Lite lender loans (which are specifically intended for the German market) , and to avoid the commission or fee of the loan brokerage.
With a Lite lender loan without Credit bureau, it is assumed that you are an employee and that your employment relationship is neither temporary nor on a trial basis. In addition, your income must be at a certain level, which varies depending on the bank and is based on several factors, such as the number of children living in your household and the ones you care for.