Fast and hassle-free: Instant loans without Schufa

Before banks grant a loan today, the Schufa data are usually checked. From this data, bank staff can tell whether and to what extent loans already exist and whether they have been paid as agreed.
If a negative entry can be seen in the Schufa data, loan applicants often have to expect their loan application to be rejected. Since even an unpaid mobile phone bill can lead to a negative Schufa entry, many people nowadays must reckon with a loan rejection from their regular bank.

However, it is not hopeless to obtain a loan, because you can find instant loans without Schufa on the internet. These can be granted even when negative entries exist. As with classic installment loans, the borrowed amounts are repaid later in small monthly installments. Special securities are not required for the Schufa-free loan, so handing over a vehicle registration document or depositing savings is not necessary.

Instant loans: Without Schufa from abroad?

It is possible to grant instant loans without Schufa, because these loans are issued by banks abroad. Many of these institutions are based in Switzerland, which is why Schufa-free loans are often referred to as Swiss loans.

The instant loan without Schufa can generally be taken out by anyone. Since the banks do not have access to the data of the German Schufa, loans can be granted even when German banks already refuse to grant them.

However, to limit their risk, banks often only grant instant loans without Schufa up to an amount of €7,500. In return, the loan is without a specified purpose and can therefore be used as desired to buy a car, for the next holiday, or to pay an important bill.

Apply for instant loans without Schufa online

The instant loan without Schufa is usually offered online through credit brokers like MAXDA. We collect the data of loan applicants and forward it to the respective bank. Reputable providers charge no fees for preparing a loan offer or for submitting the loan documents, so inquiries can be made without obligation.

To process an instant loan without Schufa, banks only need a few pieces of information. These include the applicant's personal details as well as their income and monthly commitments. Loan applications for instant loans without Schufa can now be completed online and can be filled out within a few minutes.