MAXDA is one of the few established loan brokers on the German market that also offers a loan despite Schufa. A loan despite a Schufa entry is also called a Schufa-free loan or a Swiss loan, since it is predominantly banks from Switzerland that issue these loans.
A loan despite Schufa is suitable for borrowers who either do not want their financing recorded in the Schufa or for applicants who, because of negative entries in the Schufa, would not receive a loan from a German bank. For this clientele, a Swiss loan is often the ideal solution to still obtain financing on favorable terms.
What should you therefore pay attention to with a loan despite Schufa, and what services does MAXDA offer for a loan despite Schufa? Is there a difference to an instant loan despite Schufa and can a car loan despite Schufa be taken out? MAXDA explains:
If it is not a loan despite Schufa, every financing in Germany is recorded with Schufa regardless of the amount. Thus, credit-relevant information of all kinds about an applicant is stored in the Schufa.
Ongoing loans and credits, account openings, overdraft facilities, car loans, credit card contracts and leasing contracts for vehicles are just a few of the entries you will find in the Schufa. These entries have little influence on the credit assessment as long as all payments are made regularly.
With a loan despite Schufa and conventional loans with a Schufa inquiry, these data cannot be counted as a positive factor. It looks different when a negative entry is in the Schufa due to payment difficulties and outstanding obligations.
Negative Schufa entries can be unpaid and dunned telephone bills, an outstanding balance from closing an account, and also far more serious incidents such as a legally binding payment order or enforcement order or an affidavit of means are recorded in the Schufa. An existing loan despite Schufa, however, is logically not listed.
Such negative entries are regularly a clear sign that the affected person is in financial trouble that no longer allows all payment obligations to be met as agreed.
Such an applicant will generally not receive a loan from a German bank, because the risk is too great that the loan agreement will not be fulfilled. One then speaks of a borrower with relatively weak creditworthiness; the ability to repay the financing on time appears limited. Here a loan despite Schufa with an excessively negative Schufa can be a sensible alternative.
Reasons that speak in favor of a loan despite Schufa
Every borrower in Germany must present a Schufa report when applying for financing. If this Schufa report indicates negative entries, the loan application is usually rejected.
For the bank, the borrower often does not appear solvent enough to take on an additional payment obligation. In this situation, a loan despite Schufa can be an option.
But it does not even have to be the negative Schufa entry that leads to a Swiss loan. Sometimes you only need a small sum of money to bridge a temporary financing gap. Such a loan does not even have to be excessively high, and it can be repaid within a few months.
In this situation it also makes sense to take out a loan despite Schufa. This financing is not recorded in the Schufa; the borrower’s creditworthiness and Schufa score remain unaffected by the new loan despite Schufa. This can be especially useful for short-term financings that only run for a few months.
Thus, the reasons for a loan despite Schufa can be, on the one hand, a negative Schufa entry and therefore a weak credit assessment, but they can also be based on the small amount of a loan despite Schufa that can be repaid quickly. The question then regularly arises where and how to find a loan despite Schufa.
Loans despite Schufa mostly come from abroad
A German bank regularly rejects a loan despite Schufa. For the borrower, the way forward is therefore to neighboring European countries. Above all, Switzerland has been regarded for many years as a very competent and renowned financial centre for loans despite Schufa; the banks based there do not issue their loans on the basis of a German Schufa report.
As positive as this solution for the borrower is, it raises the question of how to handle the entire negotiation, the comparison of terms and the contract conclusion with a bank in Switzerland when searching for a loan despite Schufa.
That this procedure does not have to be more complicated and protracted for a German applicant than concluding a contract with a German bank has been impressively and successfully demonstrated by the loan broker MAXDA for many years.
MAXDA helps secure a loan despite Schufa
Very simple: Immediately to an affordable loan despite Schufa
The entire contract processing at MAXDA, even for a Swiss loan despite Schufa, takes place promptly within a few working days. The loan brokerage is available 365 days a year around the clock, so every inquiry is processed in the shortest possible time.
Customer service is also reachable on holidays and weekends, so incoming loan inquiries for a loan despite Schufa are handled immediately at any time.
How fast the MAXDA instant loan is
A loan request for an instant loan despite Schufa is submitted to MAXDA exclusively online. With just a few entries, the loan broker determines the most affordable provider with the best terms. An instant loan despite a Schufa entry is no exception here.
Every loan inquiry is absolutely free and non-binding; the borrower does not incur any advance costs or brokerage fees for processing his inquiry for an instant loan despite Schufa.
Up until the signing of the loan agreement, the borrower is completely free in his decision and can also withdraw from the desired financing at short notice if a change in his individual situation occurs. Thus the applicant incurs no obligation to actually conclude the loan agreement for the instant loan despite Schufa via MAXDA.
Only when all questions have been clarified and the applicant is fully convinced of his loan offer does the contract conclude. Until then, the immediate processing of the application for the loan despite Schufa remains entirely non-binding and free of charge.
All processing is carried out exclusively online or via the telephone hotline. This ensures that every applicant reaches his loan contract for the instant loan despite Schufa and its disbursement in the shortest possible time.
For years MAXDA has endeavoured to process all loan inquiries as quickly as possible to ensure a fast disbursement, because the needed loan is often urgently awaited. Undoubtedly, one can therefore say that MAXDA loans are an emergency loan or instant loan despite Schufa!
Loans despite Schufa at MAXDA: always flexible
A loan despite a Schufa entry is possible from a loan amount of €3,000. The borrower must be at least 18 years old and be able to prove a regular monthly income of at least €1,150 net.
No further requirements for a Swiss loan despite Schufa are imposed. This makes a loan despite Schufa suitable for very different financings with flexible terms. A car loan can also be arranged without Schufa.
Car loan despite Schufa
What you use your loan despite Schufa for—whether for immediate repairs or a new car—is up to you. The car loan without Schufa is interesting when money must be invested in the vehicle quickly and easily despite a Schufa entry.
With the funds disbursed from a car loan despite Schufa, you can finance a used car or carry out an expensive repair. Many employees depend on their vehicle. The MAXDA car loan despite Schufa supports you in this.
We also alternatively check in advance whether a car loan with Schufa could be an option for you; despite minor Schufa entries that can sometimes be possible. MAXDA looks at your car loan request individually!
Procedure abroad: car & loans despite Schufa
The creditworthiness check is carried out by the Swiss banks; they proceed somewhat differently than you are used to from German banks. While a bank in Germany primarily focuses on regular income and the Schufa report, the Swiss bank entirely dispenses with data from the Schufa.
All the more important is the proof of a regular income, which is required by every Swiss bank. In addition, an examination of the individual asset situation is usually carried out.
Anyone applying for a car loan despite Schufa should have orderly financial circumstances. The financial background is particularly important if a loan application is to be approved by a Swiss bank.
This approach at the same time guarantees the borrower a high level of protection against over-indebtedness, because a bank will only approve a car loan despite Schufa if the financial circumstances safely allow repayment. For the borrower, a Swiss loan thus offers the invaluable advantage of a solid credit assessment and responsible lending.
Flexibility and fixed loan terms provide security
Despite all flexibility, every borrower needs a certain degree of security when it comes to upcoming payment obligations. At MAXDA every loan despite Schufa has a guaranteed interest rate for the entire term. There are no unexpected changes to the interest rate during the contract term. The borrower thus receives a solid contractual basis and good planning and calculability for his desired financing.
Right at the start of the contractual relationship for a loan despite Schufa, the borrower knows what costs to expect during the entire term. The fixed loan conditions also include an immediate right to make special repayments if the financial situation allows.
The loan despite Schufa can therefore be repaid in whole or in part within a very short time without additional hurdles if this is made possible by an unexpected inflow of cash. A prepayment penalty often does not have to be paid and the repayment phase of the financing ends sooner than expected. For the borrower, this offers the great advantage of becoming debt-free again quickly despite Schufa.
Thus a loan despite Schufa at MAXDA is just as safe as it is flexible and in this respect is not inferior to a loan from a bank with a branch network. The borrower therefore has the certainty of adapting his financing with a loan despite Schufa at any time to his individual wishes and possibilities without risking unnecessary costs.
Retail banking & loan despite Schufa: the key to success
Over the past years MAXDA has developed into one of the largest financial service providers in all of Germany. Today the loan brokerage is regarded as a reliable and competent partner for all borrowers who need a loan despite Schufa quickly and inexpensively and do not want to carry out the complex loan comparison themselves.
MAXDA has also established itself in brokering German bank loans, while the offering of loans despite Schufa from abroad has become a particularly in-demand pillar. In doing so, MAXDA concentrates exclusively on retail banking.
Loans with Schufa reports as well as a (instant) loan despite Schufa are both offered, also in the form of a car loan despite Schufa. Employees, salaried workers and civil servants as well as older and younger borrowers find in MAXDA an equally competent and renowned broker of private loans despite Schufa, one that is exclusively oriented to the needs of its customers and convinces across its entire product range with solid terms and exceptionally high quality of advice.
As a completely independent service provider, the loan brokerage is not obliged to any bank partner to conclude contracts for a loan despite Schufa and can focus solely on the needs of the borrowers. This is also the secret of success of the loan brokerage, which has established itself to this day as an experienced partner for loans of all kinds.