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Loan without guarantor – Apply now!

Despite constantly increasing security requirements for every loan, it is not impossible to demonstrate personal responsibility. Loan without guarantor is granted as a regular loan or as a special loan without Credit Bureau.

Loans with guarantors or co-applicants can be an arbitrary claim by the bank or indicate a real credit risk. We want you to draw the right conclusions from the guarantee claim. The credit advisor identifies ways in which you can obtain credit confidently and independently.

Loan without guarantor – possible reasons for the guarantee claim

Loan without guarantor - possible reasons for the guarantee claim

Across Europe, commercial credit providers may only grant credit if lending is considered secure. Loan without guarantor automatically offers the lender less security for lending than a guarantee loan. “Style blossoms” developed from this situation. Some banks even request spouses as co-applicants if there is no risk and the partner would not be economically liable.

Such a case would exist, for example, with the installment loan from Good Lender. Married couples must apply for the loan together. It does not matter whether one partner does the household and the other receives a six-figure annual income. But, such examples are the exception. A simple change of provider to an alternative lender from the loan comparison is enough to solve the problem.

It would be different if the bank refused the loan without a guarantor, since the personal credit rating is not sufficient to grant the loan. If there is a lack of personal creditworthiness, the credit institution regards the loan approval as a real risk. It would of course be possible that the risk appears too high only on the requested loan terms. This would be the case if an application was made at a particularly favorable interest rate independent of creditworthiness.

What to do if the bank requests a guarantor

What to do if the bank requests a guarantor

First of all, it is important not to stick your head in the sand. It would be important to understand why the requested credit institution demands the guarantor. As already mentioned, was it an extremely cheap interest rate that was offered, is there a real credit risk? The cause could be clarified by changing the offer. As a precaution, however, you should now only make a non-binding advance credit inquiry.

Credit Bureau will be notified of any bindingly requested and rejected credit request. Credit Bureau’s credit rating drops without being guilty of misconduct. A non-binding loan request is not marked negatively in the Credit Bureau, no matter what the credit decision looks like. If a higher-priced provider approved the loan without guarantor without obligation, the problem would already be solved.

Otherwise, special offers remain an option if you absolutely need to take out a loan. Credit with a negative Credit Bureau without guarantor is not an exceptional case, but the rule, provided sufficient creditworthiness for the lending would be demonstrable. The Agree Bank from Liechtenstein offers proof that it is also possible to act independently with a negative Credit Bureau credit rating.

Credit with negative Credit Bureau – get credit without guarantor

Credit with negative Credit Bureau - get credit without guarantor

Foreign bank credit without Credit Bureau almost automatically leads to the Liechtenstein bank. She is ready for the credit check to refrain from viewing Credit Bureau. Despite the high credit risk, the bank already excludes the guarantee loan in its credit terms. Either someone can afford their loan or they don’t get a loan. It can be similarly clear when it comes to credit despite Credit Bureau from Germany.

Best Bank offers borrowers quick credit, even if the Credit Bureau has a negative entry. The money can even be on the way for first-time applicants within 24 hours. The company generates credit security through short terms and small loan amounts. The concept is simple. Everyone who has a negative Credit Bureau entry knows the problems with liquidity shortages without overdraft from their own experience.

A small loan amount, in a manageable term, he will probably repay in order to keep the credit opportunity for the future. For existing customers who have already demonstrated their ability to repay, Best Bank even offers credit without a guarantor in 30 minutes. The loan amount could now, assuming sufficient income, be up to 3,000 USD with a term of 6 months.

Loan without guarantor – creating alternatives

Loan without guarantor - creating alternatives

If regular credit institutions require a loan guarantee, the provider is concerned with securing capital. This security can not only be guaranteed by a surety. Alternative means of protection would also be fixed capital, such as a savings contract or a real asset. Typical real assets that could secure a loan would be real estate or the paid vehicle.

Securing consumer loans without guarantors right away with the house as a pledge would, of course, go too far. A vehicle, on the other hand, is a property that is easy to sell, but in the long run the loss is not irreplaceable. Commercial lenders grant credit with the Kfz letter as collateral up to the amount of the real mortgage lending value. An official estimate (DAT) can show how high that is.

Reputable credit brokerage – loan without private guarantees

Reputable credit brokerage - loan without private guarantees

Reputable credit brokerage, unlike what the rainbow press sometimes says, is not an advertising invention. For example, Good Finance and Best Lender enjoy an impeccable reputation for serious loan brokerage without tricks and traps.

We recommend applying for the loan through Good Finance without any guarantor. The seriousness of the portal is demonstrated by the good media reputation and independent studies. Another advantage for Good Finance is that it is possible to use Kfz-Brief to obtain a loan from a bank or privately. One application covers all of the possibilities.

You don’t have to worry about a proven non – bank loan

If you give your confidence to those who have been on the market for a long time and have good references, you don’t make a mistake!

Fast action, which will cost up to fifteen thousand dollars. Just a few clicks, document scanning, identity confirmation, and the whole thing is done – discreetly, from the comfort of your home, online and without much other formalities. Very short contract, no guarantor or prepayment, postponing the due date for a fee of up to four more weeks if you still don’t have enough money to repay. And that’s not all, because you can apply for a similar loan at any time – 24 hours a day, seven days a week!

Three simple steps – and the loan is yours!

loan is yours!

You don’t have to deal with anyone in person, you don’t need to go to a branch. In short, nothing that would mean a loss of time, the negotiations begin with one click and can be closed quite quickly. In many cases, just a few minutes are enough to just agree on the exact wording of the loan, ie how much and how long you want to borrow – and also to verify your identity. Nothing is needed anymore, do not expect further questions. Certainly not those that are directed to the purpose of using the loan, which can be concluded up to fifteen thousand. Non-bank loans today can be very diverse, which is great news not only for those who need little help, but also for applicants, who are not enough thousand dollars.

Ask calmly regardless of the current time of day

non-bank loan

Do you decide to borrow in the evening, midnight, during the holiday morning? None of this is a problem, because the application can be sent at any time! You do not need to call for some info line because everything will happen in the online space. Loan 10000 is very simple, you only need to register on the official website of the provider, ie in other words, fill in a formal application. What must not be missing?

  • Confirm identity. Simply, the ID card scan, respectively. identity card for foreigners.
  • Permanent income – how do you earn a living? Applicant can be retired, employed, self-employed…
  • Basic personal data. Age, social security number, or place of residence.

You do not have to worry about the security of your personal information, as they will be encrypted very carefully on the server. This ensures that they do not get into the wrong hands, so the contact database is hidden from the public’s eyes. So the loan will be absolutely discreet, neighbors or acquaintances will have no idea that you are negotiating a small loan. You will not even pay registration fees, money in advance is not a necessity – on the contrary – you only pay the principal of the loan and the interest agreed in advance, nothing more and nothing less!

What to imagine as a wonderful loan?

It’s always on hand and doesn’t disappoint when you need it. A smaller loan is a solution to the inconvenience.

You do not have to wait and fill in complex forms, because today the situation on the credit market is completely different. Our customer is our master, of course, this is true in its entirety and it should be added that a small loan offers a range of solutions for different life situations – so it is basically a universal partner even for moments that are not comfortable to us . However, there is nothing to worry about, since a discrete solution is almost immediately at hand. A secure transaction that is not unnecessarily delayed and will help regardless of anything.


Minimum conditions, but also very fast payment

Minimum conditions, but also very fast payment

In short, well – money immediately – without unnecessary questions and conditions that would make it difficult for a loan to thousands of applicants. Likewise, the advantage is that the money will be in the account really soon, the same working day is completely without problems, usually it is rather minutes. The guarantee of success is also a very individual approach to each client, which gives a sense of security. You do not need to personally go to the branch, deal with a broker or negotiate all afternoon administrative matters, especially if it is actually a relatively small loan. Non-bank providers know well that a client who would go through such an official circle would never come again in the future. So what needs to be done?

  • Majority. This is a legal condition, people under eighteen years of age cannot be borrowed.
  • Own income. In other words, being employed, doing business or receiving, for example, a retirement pension.
  • All commitments in order. Unfortunately, when you go through an execution procedure, a loan is not possible.

A risk-free loan is certainly the goal of everyone who has thought about this option in the past. But if you choose a proven provider that you find positive reviews on the domestic Internet in a short while, you certainly have no reason to worry. On the contrary, it is similar to the choice of electronics – you will also prefer a well-known brand that you know what to expect.


Wonderful and for everyone, this is a great combination

financial loan

Because the conditions are really minimum, without exaggeration we can say that this short-term loan is basically absolutely for everyone! You can confide in her, solve the financial problems you have been thinking about for a few days – at any time of the day or night. The Internet is an all-powerful medium, so you won’t have to wait long for anything to worry about. Really lightning-fast and risk-free, all backed up by a short and all-embracing contract. You can do without endless forms that will not bring anything interesting for the lender itself. Finance can be solved not only in the bank, even more effectively …

A loan of money can be made within ten minutes

The speed of a non-bank transaction today affects only the very minimum of things, because it will happen online.

Are you in a hurry for a small loan, would you prefer to have it on your bank account today? It will not be a problem, it is definitely possible to handle everything to your full satisfaction soon. The money can then be used immediately, at an ATM or make an online payment, as needed. The repayment schedule can last up to four weeks, and can be extended for a small fee, so there is no need to have an imaginary whip – everything will go smoothly, in any case there is enough time to repay.


Thanks to the Internet today, you do not wait for long

Thanks to the Internet today, you do not wait for long

It is a real phenomenon of the times, the online world is as safe and fast as Formula 1 monoposts. A minimum of conditions, just like this, is a quick account loan that allows you to pay bills, buy supplies for the weekend, when your employer has not met the payout date or anything else. After all, nobody asks about the purpose, there is no reason to make it visible to everyone at the meeting, is it? Even here everything can be done without any questions, only the full identification of the applicant is important, not the reason for using the 8,000 or 10,000 loan.


Choose the amount, fine-tune the details in a few minutes

money loan

It will be almost a turnaround, as a purpose-built loan is not about waiting for confirmation of an agreement that would be delayed in the next working days due to complex administration. In addition, you will have a free hand to choose the amount or due date, which is very important, and even crucial, for many people. What options are offered here?

  • The amount is optional in the range of 1 to 15 thousand dollars – to pay, on the fridge, anything else.
  • Maturity as well, always after weeks – the possibility is therefore 1,2,3 or even 4 weeks.
  • Do you manage to repay? Never mind, it is possible to postpone installments for a fee of up to another 28 days.

So everything adapts to you – and not the other way around, so there’s no reason to worry about signing something you didn’t want at first. The transfer is literally on hold, so if your important postal orders have maturity the day after tomorrow, there is no need to sacrifice a journey to acquaintances or relatives and beg them for a financial injection. There is a more reliable solution, which is also extremely discreet ! Such a thing is especially important in a small town or in smaller municipalities, where you immediately get a debtor sticker and it will go with you for years . It is better that no one else knows about the loan, the information will not be disseminated and you pay everything in time – everyone will be happy, right?

In which bank to consolidate your loans in ONE?

I have a question, how to consolidate loans into one? I would like to have one installment and my debt is outstanding. I am asking for a hint, where is the best way to consolidate loans? in which bank is consolidation most profitable? Of course, many banks offer consolidation loans, to find the right offer, you have to visit several banks and ask for a quick calculation without signing any contract (the request cannot be sent to BIK).

The decision on debt consolidation cannot be taken lightly, because you will tie up with the newly selected bank – for a very long period.

What to consider when choosing a consolidation loan?

What to consider when choosing a consolidation loan?

  1. Amount of monthly installment – if the consolidation loan installment offered to you by the bank is smaller than the sum of installments you are currently paying, it is worth to be interested in such an offer.
  2. Repayment period – the fewer months, the less interest on the consolidation loan you will pay. However, probably when deciding to consolidate loans and borrowings, expect a longer repayment period than if you were to repay each loan separately.
  3. The total amount of consolidation loan – no wonders here. It is very likely that the total amount of the consolidation loan will be greater than the sum of all your existing loans, unless you took them on extremely poor terms?!?
  4. APRC loan – about what the APRC is and how it works. Compare the ratios of all consolidation loans and pay attention to the one with the lowest APRC, which is the cheapest.

Considering all four aspects of a consolidation loan, you’ll know which consolidation loan to choose.

Consolidation loan – escape from debt

Consolidation loan - escape from debt

The operation of the consolidation loan is quite simple and it is an interesting banking product. Unfortunately, if we are looking for a way out of the situation, using such a consolidation loan, it is a sign that something is wrong with our household budget management, or we are getting too much debt beyond our financial possibilities.

It is worth stopping for a moment and analyzing what went wrong, why am I forced to use a consolidation loan? Why can’t I pay my loan installments?

A consolidation loan is often more expensive than the loans we have, because banks grant such a loan for a long period, thus reducing the loan installment. Looking far-sightedly, the payment will probably come to us quite a lot of money.

A consolidation loan with BONUS ?!

A consolidation loan with BONUS ?!

If your creditworthiness allows it, it is very likely that the bank will “jump out” with the proposal that you will add a small gift in the form of an additional cash register “for small expenses” to your consolidation loan.

Of course, you must not accept this offer, because you will incur another unnecessary debt, the installment will increase (and this is not what you care about), and the money will go away it is not known what …

Ranking of consolidation loans

Ranking of consolidation loans

As you can see in the attached picture, there are quite a lot of consolidation loans on the market, you will definitely choose the right one. Remember when choosing a loan, be guided by the four aspects I wrote about in the article above!

Loan with permanent employment contract.

Do you need credit? With an open-ended employment contract, you meet one of the basic conditions that lenders require for lending. Unfortunately, the employment relationship is not the only criterion that lending institutions look at.

We explain in advance which requirements there are for regular lending and which exceptions can be permitted. Then it is a matter of alternative solutions if not all requirements can be met.

Loan with a permanent contract – what’s missing?

Loan with a permanent contract - what

In the application conditions for a loan, credit institutions specify the minimum requirements for applying for a loan. Each credit institution is free to decide which requirements an applicant must meet. The usual condition for credit is to assume an unlimited employment contract, usually at least 6 months from the trial period.

Other standard specifications would be:

– Applicants at least 18 years and fully legally competent
– Sufficiently good creditworthiness based on the score
– clean Credit Bureau
– income subject to social security contributions above the seizure allowance
– Main residence in Germany
– Workplace and salary account in Germany
– Lending for private use only

Don’t give up right away – check alternatives


Since each bank has different requirements, it is important to read through the application conditions before making an application. For example, some credit institutions not only allow loans with permanent contracts. In the case of a temporary employment contract, lending would also be possible if the repayment date is before the expiry of the time limit.

For those with low incomes, the garnishment exemption limit represents a major hurdle for lending. For example, a single person without dependent dependents would have to earn at least 1,080 USD net in order to have a garnishable income component. A few lenders are willing to make concessions on this point as well.

Installment loan can be approved from a net income of just 601 USD. (Provider Good Bank). Rummaging around and comparing is worthwhile if borrowers cannot meet all the requirements of the first provider in the loan comparison. There is probably a provider in the free credit comparison that offers more suitable access requirements.

Choose the right financing – installment loan is not everything

Choose the right financing - installment loan is not everything

Classic installment loan (annuity loan) is offered from a loan volume of USD 1,000 with a term of 12 to 144 months. The advantage of the classic installment loan is the predictable loan repayment in equal installments and the very cheap financing interest. A disadvantage is the flexibility of the installment loan. Loan requirements and terms can only be freely selected when the loan is taken out.

Subsequent changes are often difficult to achieve. It would also be problematic to finance only very small loan requirements with a short term as installment loans. Apart from the installment loan in the mail order business, the loan with a permanent employment contract, with small amounts, is a short-term loan. Borrowing via the overdraft facility or credit card would be customary.

If it is only certain that there is a larger loan requirement, but no exact amount or clear repayment concept yet, short-term credit would be too expensive. The credit line would be optimally designed for this case. As with the overdraft facility, the credit institution grants a credit limit in advance. The money can be used immediately in a total or partial amounts. Interest is only payable for funds actually called up.

In terms of interest rates, the framework loan is significantly cheaper than any comparable short-term loan. However, it is somewhat more expensive than an inexpensive installment loan of the same amount. In addition to the advantage of retrieving partial amounts at will, repayment is no less straightforward. The principal is redeemed at its own discretion, only the interest must be paid on time.

Avoid credit hurdle – secure low interest rates

Avoid credit hurdle - secure low interest rates

Applying for the desired loan with a permanent employment contract does not automatically guarantee that there are no obstacles. In the case of very high loan amounts, despite a clean Credit Bureau, personal creditworthiness through the income from work is not always sufficient for lending. Additional collateral would have to be offered to the loan provider in order to agree to the loan agreement.

The easiest way would be to apply for the loan together with a co-applicant. If two people are liable for the loan, the creditworthiness for lending increases by leaps and bounds. Large financing requests, such as building a house, can usually only be shouldered together by couples. An alternative that ensures the best interest rate at the same time would be a loan with a land register entry.

With a first-class entry and credit requirements below 60 percent of the lending limit, providers of low interest rates are literally in line. The unencumbered house is the safest guarantee for any large loan. Borrowers who want to save the cost of registering the land register apply for the loan without a land register. Without a land register, the loan becomes a little more expensive, but still remains cheap.

Loan with a permanent contract of employment – problem solving

Loan with a permanent contract of employment - problem solving

Not every wish for a loan with a permanent employment contract is equally welcome with credit institutions. The decisive factor can be the person with whom the employment contract was concluded. Credit requests are often excluded in the loan terms if the employer is a temporary employment agency. Despite all the “benefits” of past reforms, agency work is not secure.

“Hire and fire” together with the low income of a temporary or agency worker significantly reduce the personal creditworthiness for lending. Interested parties are often only creditworthy with the employment contract of a temporary employment agency if they have a special loan from a risk-taking bank or private lenders.

Our recommendation for problematic credit with a permanent contract is Good Bank. A bank loan or a private loan can be approved via the portal.

A loan of up to 5 minutes on an account is not a dream, but a reality

Do you want to arrange a loan and not wait unnecessarily? In just a few moments, it can be easily handled!

They do not choose financial problems and can affect us at any time. But mostly they come uninvited and make a lot of complications. How can we solve them effectively so that we do not burn ourselves and fall into a debt trap? The non-banking sector offers a helping hand that is also very fast. Borrowing money in this way means ensuring the necessary cash, even in a matter of a few minutes. And virtually anywhere where you can have a stable Internet connection. You do not need to go to a branch or make a phone call that could exhaust all your remaining mental powers.

No questions or filling in extensive forms


There is no reason to ask relatives or neighbors for a little financial help, especially when gossip is carried in any case – you will have a debtor sticker, whether you want it or not. Isn’t it better to arrange everything a little more discreetly? The question of where to get money can be easily solved even at some of the really proven non-banking companies. What is your job or which generation do you belong to? This is actually rather irrelevant for non-bank loans. It is sufficient to prove the age of majority and permanent income, as well as fill in the basic contact details, without which the identification of the applicant is not possible – and for many understandable reasons not only the current legislation requires it. What must not be missing in the application?

  • How much you want to borrow and for how long. Of course, that is the very foundation of a loan!
  • Email and telephone contact as well as permanent address and other personal information.
  • Proof of permanent income. Whether you are self-employed or receiving an old-age pension, it is no longer so important.

How much can you actually borrow? The online loan will allow the applicant to raise up to fifteen thousand dollars for up to four weeks. The payment deadline can be postponed if the family budget so requires, just paying a small fee and postponing the deadline for another four weeks. No queues, phone calls, or things that take too much time. A few minutes and money is on the way.

Free choice, it could just be a thousand

financial loan

Is the loan somehow limited? Of course, it has its limits, the lowest possible submission is a thousand dollars and a maximum of fifteen thousand dollars. Everything over the Internet, discreetly and securely, because encryption on the web of non-bank lenders is at an exceptionally high level – hackers have no chance. In fact, you will not give them any opportunity, as the application will only mention the current minimum of personal data. And that’s what it’s all about, a simple negotiation that doesn’t take too much time. We do not have free time during the week, so why not spend it unnecessarily?