A loan without proof of salary and private credit checker is only granted under particularly restricted conditions. The approval criterion for a loan at German banks is the positive private credit checker information and a regular income in connection with an unlimited employment contract. If these facts do not exist, no credit institution in Germany will grant a loan. Good lender loans are also irrelevant since no proof of income can be presented. It is not only problematic to mention online shopping when it comes to lending.
Get a loan without proof of salary and private credit checker
Despite the poor starting situation, a loan without proof of salary and private credit checker can be obtained. Providing collateral is considered a safe promise. Loan protection means, other than income, can be real estate, real assets, land or loanable life insurance. Anyone who cannot provide this security, but is still in a positive financial position, has the opportunity to bring a guarantor into the lending business.
This situation often arises with self-employed people who have a substantial income but cannot prove this with a salary certificate. In order not to completely exclude self-employed persons when granting a loan, these alternatives can be used to secure a loan.
The guarantor and his tasks
If a guarantor is found, he must have a good credit rating, he must not have a negative private credit checker entry and should have a permanent job. It serves as a hedge for the loan applied for and must be able to bear any risks of non-payment. He should also be aware that he may no longer be able to claim a loan without a surety through his guarantee. The guarantee can reduce its own creditworthiness. If such a guarantor is found, a loan can be granted without proof of salary and private credit checker.
Find private lenders
If you want to save yourself the trip to the bank, you can look for private money investors on the Internet. There are corresponding portals. But it is not only on the Internet that people can get in touch with friends, often with success. Such lending can bring advantages. So the interest rate is low. If a friend or relative provides the desired amount of money, a personal loan should be consolidated with a loan agreement. This is the only way for both parties to adequately protect themselves.