The car has to go to the workshop, the checking account is in the minus – at the latest now urgently money is needed. In such a case, the first route usually leads to the first bank branch. But what the consultant has to tell the customer, usually disappointed: For the immediate payment of a loan is usually not possible. One of the reasons: The candiers test can take quite a few days. More serious, however, is the problem that a negative entry to candiers makes it almost impossible to get a loan. Nevertheless, there are ways you can borrow money instantly without candiers.
Borrow money instantly without candiers: Swiss banks make it possible
One possibility is a so-called “Swiss credit”: The name is not a coincidence, in fact banks from Switzerland like to lend to German customers. Because more and more people want or need to borrow money immediately without candiers, on the other hand, German banks are increasingly stricter on a sufficiently high credit rating. But because candiers is a German and not an international organization, it has no significance for a Swiss bank. However, a proof of creditworthiness must also be given for a Swiss loan: If you do not have a regular income, you will also have difficulty obtaining a loan from a Swiss bank. With regard to the amount of the income, it is important to note that it can be seized in case of doubt (prerequisites for a loan both in Germany and abroad).
Private loans are basically available to everyone
Immediately borrow money without candiers is also possible without proof of any credit rating. Thus, unemployed persons who receive unemployment benefits or students who live from the Federal financial aid can also receive a loan without candiers examination. This is made possible by private credit intermediaries – because they are lending a loan at different scales than banks usually do. Because private donors are neither bound to the candiers nor any other legal restrictions. The only difficulty is in principle to get to a private financier. This is in turn possible through credit intermediaries who work on a commission basis. Special online platforms bring together offer and follow-up: To lend money immediately without candiers, you can log in to such a platform and create a profile. At the same time you can describe why the loan is needed. In addition, you can dictate the conditions yourself: term and interest rate are determined by you. Of course, it is clear that it can take longer if you offer only a low return on the money. For private lenders, such platforms are certainly also economically interesting, because their money is higher interest rates than in the private capital market. Most importantly, private lenders have different selection criteria: unlike a bank accountant who has strict requirements, private individuals can judge and lend money at their own discretion – even if the borrower’s credit rating is actually low. However, if you borrow money instantly without candiers, you do not need to contact the lender. For this, the private credit broker is available, who takes over the entire correspondence and in the end receives a small commission of 1 – 2%.
Guarantee may allow for low-interest loans
However, if credit without candiers is less about getting the money right away, but more about getting the result of the test negative, you may want to consider a guarantor. If you know someone who has a high credit rating, they could vouch for your credit. The advantage is that the credit conditions are then based on the creditworthiness of the guarantor. If he receives very low interest rates because of a high income, you can benefit from it. Collateral, if available, can also enable the payment of a particularly cheap loan – even if negative entries at candiers would actually prevent another loan.