An instant loan is now very popular to fulfill a long-cherished wish. Regardless of whether it is a new home furnishing or the next dream vacation, the financing options through an instant loan are diverse.
Where can I get an instant loan?
If you have no experience with an instant loan, you should first find out about the available offers online. An online loan comparison is the easiest way to find the cheapest offers. Above all, the increasing number of direct banks often offers low interest rates. The banks are all reputable and there is usually only good instant credit experience here. In addition to the annual percentage rate, also compare the remaining conditions of the individual banks.
This also includes whether free repayments are possible or how high the costs for residual debt insurance are. If you have chosen a bank, you can usually apply for the instant loan directly online via their website. One prerequisite for an instant loan is that there are no negative Credit Bureau entries. If you receive a rejection due to a negative entry, you still have the option to apply for a Credit Bureau-free loan.
Immediate credit experience with loans without Credit Bureau query
These loans are offered online by various loan brokers. The loan is processed through a bank in Switzerland, which means that a Credit Bureau query is not necessary. The condition is that you are between 18 and 57 years old and have a regular attachable income. You must also have your residence and current account in Germany and have been employed by your current employer for at least 12 months.
If this is the case, you can apply for a loan of up to 3500 USD. In order not to have bad instant credit experiences, there are a few things to consider. Most importantly, you should never pay an agency fee in advance. Otherwise you run the risk of not receiving the promised loan despite paying the fee.
Reputable companies offset the agency fee with the payment of the loan amount. Compare the individual offers before signing a contract. The interest rate differentials are sometimes considerable. With reputable providers such as Bonkredit, only good instant credit experiences are actually made even with Credit Bureau-free loans.