Loan application despite debts?

Obtaining a loan when you have debts often seems difficult to achieve. Many people therefore don't even try to submit a loan application to a bank because they assume they will be rejected straight away. But that does not necessarily have to be the case.

Of course, more hurdles must be overcome when applying for a loan with debts than with a regular loan application without debts. What many debtors don't know, however, is that there are many ways to still obtain a loan despite debts. So if you are looking for a suitable loan for yourself, here you will find advice and tips on how to get a loan with debts approved without Schufa. After all, any consumer can find themselves in a situation where they need a certain loan amount from a bank, for example for a simple instalment loan. In this case, the inquiry into your creditworthiness with Schufa is omitted.

Past or existing debts don't have to stand in the way of these goals. Of course, everything should first be done to eliminate debts with creditors before insolvency occurs. If overindebtedness occurs, debt counselling should be consulted. However, a loan can also be taken out to pay off current debts. This usually saves time and also money, since creditors charge interest on the debts.

If it is not possible to pay off the debts yourself, you have the following options: You can find out about the terms at MAXDA and which loan is granted for those with debts. If you, as a borrower, are of legal age and have a steady income, the chances are good for a MAXDA loan with debts. However, if you do not have a steady income, you will need someone to act as a guarantor for you.

It is also possible for you to restructure your loan. For the debt consolidation the old loan is replaced by a new one and you save a lot of money if the interest rate is lower compared to the old loan.

How does a loan with debts from abroad work?

If a loan with debts cannot be obtained domestically, a loan abroad can also be applied for. A loan with debts is made possible there in the same way. Many banks and providers from abroad do not require a good Schufa record. Anyone who needs financing, even if they have debts, can obtain a loan in this way. As a debtor, you thus face one less hurdle abroad and loan approval is made easier.

You can inform yourself in advance about this type of loan and the various providers. Loans of various amounts can be applied for. The creditworthiness check is omitted and nothing stands in the way of a loan with debts. It does not necessarily have to involve higher interest rates than with normal loan forms with Schufa checks. It's best to ask!

Here you only need to provide proof of income or have someone who can guarantee for you. The disbursement can be made either by post or by bank transfer. You have the choice how you want to receive your money. Once the contract is signed, it won't be long until the disbursement takes place. As a rule, you can already access your loan after 5 to 10 days. Fulfil your dream, pay off your debts or do what you want. With a loan with debts, anything is possible!

Does MAXDA offer loans for people with debts?

If you have decided on a loan with debts and would like to submit a loan application, then you have come to the right place with MAXDA. If you only want to gather information, of course you can do that as well. For questions, simply contact the friendly MAXDA team without obligation. Your loan enquiry remains non-binding. Do not hesitate to call us if you have any questions.

We are one of the largest loan brokers in Germany. If you become a borrower with MAXDA, you can be sure that you have the right partner at your side. MAXDA specialises in consumer loans. MAXDA has a great deal of experience in this area, as we have successfully brokered loans to our customers for many years. Benefit from us too!

Our team consists of friendly, reliable and competent employees. No matter what purpose you need the loan for, we offer loans in amounts from EUR 3,000 to EUR 250,000. In addition to a loan for people with debts, which is provided without a Schufa entry, we also arrange instalment loans, mortgage loans and loans for civil servants. It is important to us that you feel comfortable and well looked after with us from the very beginning!

How can I get in touch?

Getting in touch can be very quick and easy. You just need to fill out the online form and click Submit. In a few seconds we receive your enquiry and can process it. You will receive a loan application from us within a few days. This will be sent to you conveniently by e-mail and by post after checking your information. After that everything goes very quickly. You fill out the loan application and obtain a pay slip.

Then you either present the documents in person or send them to our company by post. We will of course cover the postage costs. We will then review the documents again and call you to clarify further questions. You are very welcome to request a consultation with us.

The consultation is free of charge and you can ask any questions you have about a loan with debts. Please do not hesitate to call us. No matter what your situation looks like, even if it appears complicated, we will find the right solution for you and will not leave you stranded. MAXDA is available to advise you from Monday to Friday and is happy to advise you about loans.