[{"data":1,"prerenderedAt":226},["ShallowReactive",2],{"content-page:en:topics\u002Ffinancing-despite-schufa":3,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Ffinanzierung-trotz-schufa\u002Fmaxda_so-wird-die-finanzierung-trotz-schufa-beantragt_100p_mittig.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":213},{"page":4,"alternates":208},{"id":5,"title":6,"asideNav":7,"backLink":20,"body":23,"description":190,"extension":191,"hero":192,"hidePageHeader":196,"locale":197,"meta":198,"navigation":196,"pageKind":199,"path":200,"seo":201,"seoDescription":202,"seoTitle":203,"slug":204,"stem":205,"translationKey":206,"__hash__":207},"pages\u002Fpages\u002Fen\u002Ftopics\u002Ffinancing-despite-schufa.md","Financing despite Schufa",[8,11,14,17],{"href":9,"label":10},"#1","Basics of financing despite Schufa",{"href":12,"label":13},"#2","Schufa entries",{"href":15,"label":16},"#3","The financing alternative",{"href":18,"label":19},"#4","How to apply for financing despite Schufa!",{"href":21,"label":22},"\u002Fen\u002Ftopics","back",{"type":24,"value":25,"toc":182},"minimark",[26,33,37,40,73,78,81,106,109,114,117,134,139,142,174],[27,28,29],"p",{},[30,31],"span",{"id":32},"1",[34,35,10],"h2",{"id":36},"basics-of-financing-despite-schufa",[38,39],"hr",{},[27,41,42,43,47,48,53,54,57,58,61,62,65,66,68,72],{},"The ",[44,45,46],"strong",{},"financing despite Schufa"," has long been one of the options when it comes to financing ",[49,50,52],"a",{"href":51},"\u002Fen\u002Ftopics\u002Ffurniture-loan","furniture purchases"," that require financing despite Schufa.",[55,56],"br",{},"\nAn entry in the Schufa file can negatively affect your creditworthiness and cause banks to ",[44,59,60],{},"reject a conventional loan application",". However, there are also providers who still make the ",[44,63,64],{},"disbursement of a loan possible"," for borrowers.",[55,67],{},[49,69,71],{"href":70},"\u002Fen\u002Ftopics\u002Freputable-loans-without-schufa","Schufa-free loans"," and the loan without Schufa, on the other hand, are loans that are not reported to Schufa and therefore do not generate an entry there. However, the loan amount for such loans is limited to a maximum of €7,500.",[27,74,75],{},[30,76],{"id":77},"2",[34,79,13],{"id":80},"schufa-entries",[27,82,83,84,87,88,90,91,97,98,101,102,105],{},"Applying for financing of any kind in Germany is regularly synonymous with obtaining a bank reference. Every borrower is recorded with specialized credit reference agencies. Among other things, ",[44,85,86],{},"mobile phone contracts"," and the opening of a checking account are recorded and evaluated.",[55,89],{},"\nLarger negative entries include, for example, ",[44,92,93],{},[49,94,96],{"href":95},"\u002Fen\u002Ftopics\u002Finsolvency","consumer insolvency"," or the ",[44,99,100],{},"sworn declaration (Eidesstattliche Versicherung)",". But ",[44,103,104],{},"payment reminders"," due to an outstanding mobile phone bill are also noted negatively.",[34,107],{"id":108},"",[27,110,111],{},[30,112],{"id":113},"3",[34,115,16],{"id":116},"the-financing-alternative",[27,118,119,120,122,123,129,130,133],{},"These negative entries usually result in the bank rejecting a loan application and generally mean that you have to consider the alternative financing despite Schufa. Financing despite Schufa is possible for you because the respective lenders place more value on you and your income than on your previous credit behavior.",[55,121],{},"\nFor financing despite Schufa, Schufa-free loans are generally an option. The long-standing, experienced loan specialist MAXDA will arrange these for you in a serious and competent manner. As a borrower, you will always receive loans despite Schufa in accordance with your ",[44,124,125],{},[49,126,128],{"href":127},"\u002Fen\u002Fschufa\u002Fcriteria-basics-and-creditworthiness-check","income situation"," or that of a provided ",[44,131,132],{},"guarantor",", as well as on the basis of realizable and lienable assets.",[27,135,136],{},[30,137],{"id":138},"4",[34,140,19],{"id":141},"how-to-apply-for-financing-despite-schufa",[27,143,144,145,149,150,152,153,156,157,159,160,162,163,169,170,173],{},"Financing despite Schufa is an alternative financing option for the case that, because of a negative entry and thus an ",[49,146,148],{"href":147},"\u002Fen\u002Fschufa\u002Fschufa-score","unfavorable credit scoring",", you no longer receive a normal installment loan.",[55,151],{},"\nIn such a case, your loan application is usually rejected by a bank in Germany because the lender attests to you a negative credit rating. Nevertheless, loans despite Schufa are granted and successfully arranged by ",[44,154,155],{},"MAXDA as a loan broker"," in cooperation with other partner banks.",[55,158],{},"\nIn the case of financing despite Schufa, lenders do consult certain credit reference agencies like Schufa, but they also consider additional information such as income as a basis for decision. Last but not least, loans despite poor creditworthiness are also possible thanks to cooperations with banks in Switzerland.",[55,161],{},"\nApplications for financing despite Schufa are ",[44,164,165],{},[49,166,168],{"href":167},"\u002Fen\u002Ffaq","processed very promptly"," and ",[44,171,172],{},"handled discreetly",", so that you have the urgently needed money quickly available for your purposes.",[175,176],"content-image",{"align":177,"alt":178,"provider":179,"size":180,"src":181},"center","Apply for financing despite Schufa","none","lg","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002Ffinanzierung-trotz-schufa\u002Fmaxda_so-wird-die-finanzierung-trotz-schufa-beantragt_100p_mittig.png",{"title":108,"searchDepth":183,"depth":183,"links":184},2,[185,186,187,188,189],{"id":36,"depth":183,"text":10},{"id":80,"depth":183,"text":13},{"id":108,"depth":183,"text":108},{"id":116,"depth":183,"text":16},{"id":141,"depth":183,"text":19},"What does financing despite Schufa mean and when is it possible? Find out here from Maxda!","md",{"ctaHref":193,"ctaLabel":194,"image":108,"lead":195,"title":6},"\u002Fanfrage","Apply for your desired loan now","What does financing despite Schufa mean and when is this financing possible? Find out here from Maxda!",true,"en",{},"legacy-topic","\u002Fpages\u002Fen\u002Ftopics\u002Ffinancing-despite-schufa",{"title":6,"description":190},"✚✚ Financing despite Schufa - meaning ✔ possible ways to a loan ✔ Explained by MAXDA ✔ Find out now! ✚✚","Financing despite Schufa - an overview. 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