Reviews of providers from a wide range of industries have gained importance in all areas of life over the past decades and are easily accessible on the internet. The finance and credit sector is also regularly put to the test by trade magazines or web portals. Providers are crowned test winners and a more or less positive review judgment is given:
- You will also frequently find a MAXDA review on the internet; unfortunately, MAXDA is not always evaluated on a neutral basis and some reviews and testimonials reflect the perspective of disappointed applicants.
- To form your own review of MAXDA, we recommend researching truly reputable reviews, as well as contacting us and collecting your own experiences.
Experiences with the loan without Schufa are especially often researched. Therefore the loan without Schufa is addressed here specifically. The loan without Schufa has a fairly strong influence on reviews and makes it difficult for lenders, such as banks, to offer this type of loan.
In the age of the internet it is effortless to spread one’s opinion about any topic via a personal website or a forum. This of course also applies to the subjective review, which applicants or customers may give for our MAXDA loan brokerage.
While some customers wholeheartedly recommend us as an individual test winner, critical reviews are repeatedly encountered. Such a "test of the MAXDA bank" often only serves to create a bad impression after a rejected loan application or to disguise criticism as an advertorial recommending another broker. In addition, we do not operate as an independent bank but merely broker loans such as the loan without Schufa.
In principle, at MAXDA we welcome reviews of all kinds and are happy to engage with both praise and criticism. For us and for you as a potential borrower it is crucial, however, to be able to rely on the trustworthiness of reviews and to know that the author is an actual MAXDA customer who reports authentic experiences.
That is precisely why we recommend that, when looking for a review of our brokerage service, you consult reputable websites that consciously advocate for consumers and strive for an independent comparison of providers and loans. One of these platforms is operated by the service provider eKomi; you will also find some reviews of the MAXDA bank, more accurately the MAXDA loan brokerage, in reputable trade magazines.
Why the test winner is not always the best
For some customers and regular readers of various reviews, choosing a loan broker seems particularly simple. A glance at the test winner alone seems worthwhile, since it outperformed all competitors in the respective comparison and therefore appears to offer the best loan.
Unfortunately, this view does not apply in every case, so it is worth looking at a more detailed review judgment. For example, it is important to recognize that different typical scenarios are checked for a test, which are relevant for the average customer. Reports cannot address every single case in their judgment, yet this can be the personal difference between the test winner and the individually best loan offer.
It is also important to consider which companies were actually examined in the respective test and thus had the chance to be named test winner. MAXDA appears exclusively online as a versatile loan brokerage; in a comparison of traditional banks and financial institutions with branch networks, we will therefore not be found.
It is also wrong to search for the MAXDA bank in a test, since we only broker loans and do not grant a loan ourselves. Therefore, in a comparison of actual credit institutions or lenders or banks, we are not represented; nevertheless, we offer many borrowers an indispensable service that can help you achieve optimized repayment terms.
The loan without Schufa and its impact on reviews
You will not find a review of MAXDA in renowned trade journals. The reason is simple: these providers do not test MAXDA, because our portfolio includes the brokerage of loans without Schufa.
Loans without Schufa are still considered by some to be fundamentally dubious, which is why MAXDA is not included in reviews and has no chance of being named test winner. While we can understand such objections to the loan without Schufa, our experience in issuing loans such as the loan without Schufa teaches us otherwise.
A loan without Schufa is a loan for which no inquiry is made at Schufa. That means there is no query or information about creditworthiness from Schufa, and accordingly the risk for the lender is higher than for other types of loans. When Schufa's creditworthiness check is performed, Schufa informs the credit institution or bank about existing records. These Schufa records can be positive or negative. A negative record affects your creditworthiness and will reduce your chances of obtaining a loan. With a positive record, on the other hand, you need not worry. Because of the missing information from Schufa, the loan without Schufa is therefore classified as very risky and dubious.
If the applicant's or borrower's general circumstances are correct and they provide sufficient collateral for a loan without Schufa, the brokerage without Schufa is a reputable undertaking that is not unnecessarily risky for either the debtor or the lender.
So that brokerage by MAXDA can also be conducted reputably for loans without Schufa, we apply stricter lending criteria than for a conventional loan. For example, the applicant or their liquid guarantor must demonstrate a higher monthly net income, and it is common for us to restrict the age group eligible for loans without Schufa. Proof of income is important for the bank to ensure that there are regular earnings. Income information is also required to verify whether the monthly installment you propose for the loan is realistic.
Through careful review of each individual loan application, we at MAXDA can quickly assess, based on our experience, whether a given loan without Schufa can be issued responsibly, and we communicate this decision to our applicants promptly. It may still take a few years before this conscientious lending is accepted across the industry and you can discover reviews about us from MAXDA in various print or web media.
MAXDA reports and reviews
As mentioned above, a judgment about our loan brokerage should be made on a reputable basis. With the service provider eKomi, which gives consumers a comprehensive overview not only for the finance and credit sector, such a basis is available. Currently, MAXDA performs very well here with ratings from several thousand customers at 4.6 out of 5.0 stars (as of: 09/2015).
For the recommendation of our overall offering to other borrowers we even received approval in more than 97% of cases and convinced our customers. With these parameters we currently hold the silver seal from eKomi and make it clear to you that our service can enable reputable loan issuance for loans with or without Schufa.
Of course you also have the option to share your own experiences with other users and to submit your very own review of MAXDA. In addition to the numerical rating you can elaborate your review of MAXDA and list pros and cons based on your impressions.
Such reviews are not only helpful for consumers and borrowers, but also provide valuable assistance for us at MAXDA to continuously improve our service for you. You are welcome to send us your review during or after a successful loan project; simply use the numerous contact options to reach MAXDA.
Make MAXDA your personal test winner!
If you have not yet had any experience with MAXDA and are interested in reputable online lending, get in touch with us! Quickly and without further obligation we will gladly prepare your personal loan offer, and our financial experts are available at any time for individual advice and realistic assessment regarding your desired loan or restructuring.
Before you decide on a provider, you should compare the different providers and loans. In the comparison it is particularly important to check the offer with regard to the annual percentage rate as well as the general interest rates and the terms. For example, the annual percentage rate includes, in addition to interest, other costs that arise from the loan, whereas the nominal interest rate only states the pure interest costs. The term depends on the monthly installment you choose. If the installment is higher, the term is reduced. Choose the installment according to your monthly income and the term will adjust accordingly. Comparison is important for all types of loans, whether it is the loan without Schufa or a mortgage. MAXDA will gladly advise you free of charge and without obligation on your individual request for a loan.
Reputable reviews from trade magazines or web portals have likely already shown you in advance the attractive terms and the comprehensive service with which our loan brokerage operates. Simply form your own impression and ensure reputable financing so that MAXDA can certainly become your personal test winner!