Loan application despite debts?

Obtaining a loan when you have debts often seems difficult. Many people therefore don't even try to apply for a loan at a bank because they assume they will be rejected immediately. But that doesn't necessarily have to be the case.

Of course, more hurdles must be overcome when applying for a loan with debts than with a normal loan application without debts. What many debtors don't know, however, is that there are many ways to still obtain a loan despite having debts. If you are looking for a suitable loan for yourself, you will find advice and tips here on how to get a loan approved with debts without Schufa. After all, any consumer can end up in a situation in which they need a specific loan amount from a bank, for example for a simple installment loan. In such cases, the inquiry into your creditworthiness at Schufa is omitted.

Past or existing debts do not have to stand in the way of these dreams. Of course, everything possible should first be done to eliminate the debts with creditors before over-indebtedness occurs. If over-indebtedness occurs, you should seek debt counseling. However, it is also possible to take out a loan to pay off the current debts. This usually saves time and money, since creditors also charge interest on outstanding debts.

If it is not possible to pay off the debts yourself, you have the following options: find out about the terms at MAXDA and which loans are granted to people 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. If you do not have a steady income, you will need someone to act as a guarantor.

It is also possible to refinance your loan. For a refinancing 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 foreign loan work if you have debts?

If a domestic loan for someone with debts doesn't work out, a foreign loan can also be applied for. A loan for people with debts can also be arranged there. Many banks and providers abroad do not require a good Schufa report. Anyone who needs financing, even if they have debts, can obtain a loan this way. As a debtor you therefore face one less hurdle abroad and loan approval is made easier.

You can inform yourself in advance about this type of loan and about the different providers. Loans of various amounts can be requested. The creditworthiness check is omitted and nothing stands in the way of a loan when you have debts. It does not necessarily mean that higher interest rates will be charged than for normal loan types 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 payout can either be sent by post or transferred. You have the choice of how you would like to receive your money. Once the contract is signed, it won't be long before the payout is made. As a rule, you can already access your loan after 5 to 10 days. Fulfill your dream, pay off your debts, or do what you want. With a loan while having debts, anything is possible!

Does MAXDA offer loans for people with debts?

If you have decided on a loan despite having debts and would like to submit a loan application, MAXDA is the right place for you. If you only want to gather information, of course you can do that as well. If you have questions, simply contact the friendly MAXDA team without obligation. Your loan request 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 specializes in loans to private customers. MAXDA has a lot of experience in this area, as we have successfully brokered loans to our customers for many years. You can benefit from our experience 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 €3,000 to €250,000. In addition to a loan for people with debts, which can be granted without a Schufa entry, we also offer installment loans, mortgage loans and loans for civil servants. It is important to us that you feel comfortable and well taken care of from the very beginning!

How can I get in touch?

Getting in touch can be very quick and easy. You simply need to fill out the online form and click send. In a few seconds we receive your request and can process it. You will receive a loan application from us within a few days. After checking your information, it will be sent to you conveniently by e-mail and by post. After that everything moves quickly. You fill out the loan application and provide a payslip.

Then you either present the documents in person or send them to our company by post. We naturally cover the postage costs. After that we will check the documents again and call you to clarify any further questions. You are very welcome to request a consultation appointment with us.

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