It is not always possible to plan the required financial injection in the long term – as it should be, for example, when building or buying a house. Rather, there is often a need for third-party chapters, for example because the furniture store has greatly reduced the long-awaited fitted kitchen, or because an unexpected financial situation arises that cannot be mastered on its own or with the help of relatives or friends ,
For these cases, there are instant loans on the Internet: depending on the provider, these are Credit Bureau-free because the issuing bank is a foreign bank, especially from Switzerland or Austria. Accordingly, these loans are also referred to as Swiss loans; they have been specially designed for German customers. These Swiss loans are offered.
These Swiss loans are not offered by the banks themselves, but by German credit agencies, which are primarily found on the Internet. In a comparison, there are huge price differences: one credit agency charges more fees or commissions, the other less, some earn a little bit at every rate, others are paid with a single major payment. The largest providers of Swiss loans are maxda and bonkredit.
Since these are loans in which no Credit Bureau information is obtained from the banks, which is simply due to the fact that they are foreign banks, the borrower is subject to very strict requirements: there must be a permanent job for civil servants or Employee base that was neither temporary nor trial. Accordingly, Swiss loans cannot be taken up by students or schoolchildren, the self-employed, pensioners and the unemployed, and the salary of the employee must also be a certain amount (keyword household bill).
As proof, the applicant must provide account statements from the last three months, pay slips from the last three months and a copy of the employment contract – since Swiss loans are granted online, the documents are sent to the bank or credit agency using the PostIdent procedure.
Incidentally, these loans are called instant loans, sometimes also 24-hour loans, but that doesn’t mean that you actually have the money in your account the next day – a few working days must be factored in, simply because various postal routes have to be overcome.