[{"data":1,"prerenderedAt":242},["ShallowReactive",2],{"content-page:en:topics\u002Floan-without-collateral":3,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002FKredit ohne Sicherheit\u002Fimage-thumb__995313__auto_1f891bd5eb142807016c2634ecc9a380\u002F02_kredit_ohne_sicherheit_beantragen.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":220,"optimized-image:{\"src\":\"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002FKredit ohne Sicherheit\u002Fimage-thumb__995316__auto_1f891bd5eb142807016c2634ecc9a380\u002F03_kredit_ohne_sicherheit_maxda.png\",\"preset\":\"default\",\"widths\":[640,768,896,1024,1280,1536,1792,2048],\"formats\":[\"webp\"],\"quality\":75,\"fit\":\"cover\"}":233},{"page":4,"alternates":215},{"id":5,"title":6,"asideNav":7,"backLink":26,"body":29,"description":200,"extension":96,"hero":201,"hidePageHeader":204,"locale":205,"meta":206,"navigation":204,"pageKind":207,"path":208,"seo":209,"seoDescription":200,"seoTitle":210,"slug":211,"stem":212,"translationKey":213,"__hash__":214},"pages\u002Fpages\u002Fen\u002Ftopics\u002Floan-without-collateral.md","Loan without collateral",[8,11,14,17,20,23],{"href":9,"label":10},"#1","Apply for a loan online",{"href":12,"label":13},"#2","When is a loan without collateral applied for?",{"href":15,"label":16},"#3","Apply for a loan without collateral",{"href":18,"label":19},"#4","Loan without collateral without a guarantor",{"href":21,"label":22},"#5","Loan without collateral from MAXDA",{"href":24,"label":25},"#6","Loan application for a loan without collateral",{"href":27,"label":28},"\u002Fen\u002Ftopics","back",{"type":30,"value":31,"toc":190},"minimark",[32,39,43,51,56,59,70,77,82,85,92,98,109,114,117,128,139,144,147,154,157,164,169,172,179],[33,34,35],"p",{},[36,37],"span",{"id":38},"1",[40,41,10],"h2",{"id":42},"apply-for-a-loan-online",[33,44,45,46,50],{},"A loan is the best way to obtain money from credit institutions such as banks and is used by many people (borrowers). Today it is easy for applicants to apply for an installment loan online, and the difficult and unpleasant trip to the bank is often no longer necessary. In any case, it is important to ",[47,48,49],"strong",{},"compare different banks and their offers"," and not to automatically rely on your home bank.",[33,52,53],{},[36,54],{"id":55},"2",[40,57,13],{"id":58},"when-is-a-loan-without-collateral-applied-for",[33,60,61,62,65,66,69],{},"A loan naturally represents an ",[47,63,64],{},"obligation",". The money is lent to you for a certain period so that you can make a purchase of your choice. But every borrower must be aware that they are obliged not only to repay this money, but also to pay any ",[47,67,68],{},"fees incurred",". These fees are called interest. They are the percentage amount that any lender charges for providing the funds. Interest (also called the interest rate) is part of loans and should be checked and compared by the borrower before signing the loan agreement.",[33,71,72,73,76],{},"A loan without collateral is not often requested. In fact, a lender calculates a certain risk from the outset. Purchasing an item with a loan can itself already represent a possible security. Before applying for a loan, it is important that you, as the borrower, are ",[47,74,75],{},"clear about your own financial situation",". This also includes being aware of potential risks and having considered all eventualities. Even a loan without collateral does not always pose a significantly greater risk for you or the lender than when a tangible asset is present.",[33,78,79],{},[36,80],{"id":81},"3",[40,83,16],{"id":84},"apply-for-a-loan-without-collateral",[33,86,87,88,91],{},"Anyone who has a ",[47,89,90],{},"verifiable income"," can apply for a loan, with which the amount of money can of course be repaid to the bank. Convenient monthly installments are suitable for this. These should be set so that they do not exceed your income and still leave enough room for a decent standard of living. Those who have an income usually also have a job. The bank therefore requires proof of income.",[93,94],"content-image",{"align":95,"alt":16,"size":96,"src":97},"center","md","\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002FKredit ohne Sicherheit\u002Fimage-thumb__995313__auto_1f891bd5eb142807016c2634ecc9a380\u002F02_kredit_ohne_sicherheit_beantragen.png",[33,99,100,101,104,105,108],{},"For a lender, a loan without collateral is always also a risk. But collateral does not always have to be cash. A loan without collateral could also be granted if you ",[47,102,103],{},"can demonstrably provide a guarantor"," who is liquid enough to cover your monthly installments in an emergency. This is also called a ",[47,106,107],{},"guarantee",". This guarantor must be informed and contractually commits to this responsibility. The creditor may, if necessary, approach this guarantor and assert its claim there.",[33,110,111],{},[36,112],{"id":113},"4",[40,115,19],{"id":116},"loan-without-collateral-without-a-guarantor",[33,118,119,120,123,124,127],{},"If you do not have a guarantor or do not want to transfer this burden, you can still obtain a loan without collateral. For this, there must be ",[47,121,122],{},"tangible assets"," that pass to the lender, the bank, if the loan can no longer be serviced. Collateral can be any items that can, for example, be turned into money by a bank, such as residential property or a vehicle. If you can demonstrate that the lender can still recover its money in the event of default, you can also receive a loan without collateral. This can therefore ",[47,125,126],{},"increase creditworthiness with lending institutions",".",[33,129,130,131,134,135,138],{},"You should always ask yourself before applying for a loan what will happen if you lose your job and no longer have regular income. For such emergency cases there are, for example, ",[47,132,133],{},"occupational disability insurances",", which can at least provide sufficient protection in certain cases. You should also note that the ",[47,136,137],{},"loan amount should be in proportion to your income",". Make sure you do not overextend yourself. If you have considered all the risks, nothing much stands in the way of a loan without collateral.",[33,140,141],{},[36,142],{"id":143},"5",[40,145,22],{"id":146},"loan-without-collateral-from-maxda",[33,148,149,150,153],{},"If you decide on a loan from MAXDA, you should meet a few ",[47,151,152],{},"basic requirements",". Your monthly income must be proven and should not fall below €850 net. You should also be between 18 and 58 years old.",[93,155],{"align":95,"alt":22,"size":96,"src":156},"\u002Fimages\u002Flegacy\u002Fmaxda\u002Fthemen\u002FKredit ohne Sicherheit\u002Fimage-thumb__995316__auto_1f891bd5eb142807016c2634ecc9a380\u002F03_kredit_ohne_sicherheit_maxda.png",[33,158,159,160,163],{},"If, on the other hand, you have a monthly income of €1,130, there is the possibility that MAXDA will grant you a ",[47,161,162],{},"loan without Schufa",". This means that you do not have to fear a negative entry with Schufa for taking out the loan and that this does not have negative effects on your creditworthiness. Your creditworthiness is recorded at Schufa in the form of a score. The upper limit for a loan without Schufa is a loan amount of €5,000. If you would like to apply for a loan without collateral at MAXDA, we will be happy to answer your questions. If you can prove a correspondingly higher income or even various types of collateral, you can get general-purpose loans from us of up to €250,000.",[33,165,166],{},[36,167],{"id":168},"6",[40,170,25],{"id":171},"loan-application-for-a-loan-without-collateral",[33,173,174,175,178],{},"You can submit a non-binding and free loan application for your loan requirement with us. We will also be happy to advise you afterwards and will contact you if necessary. Please therefore be sure to enter your telephone number and your e-mail address so that we can reach you if there are any questions. ",[47,176,177],{},"You complete the application conveniently online in advance."," For this purpose, please enter your truthful and personal data in the application form and complete the loan application. We will then send this to you by e-mail for your own records and ask you to print the application. You then send it to us signed by post and please attach a clearly legible most recent pay slip to the application.",[33,180,181,182,185,186,189],{},"This allows us to review your application and get in touch with you as soon as possible. The processing time takes ",[47,183,184],{},"only a few days",". For a Schufa-free loan the ",[47,187,188],{},"processing time can take up to a week",". After the loan is approved, you will receive the amount and begin repayment 4 weeks later. From that point on, a monthly installment is due, which consists of the repayment portion and the interest. We are at your side not only before approval of the loan, but also provide competent and uncomplicated advice during the loan term.",{"title":191,"searchDepth":192,"depth":192,"links":193},"",2,[194,195,196,197,198,199],{"id":42,"depth":192,"text":10},{"id":58,"depth":192,"text":13},{"id":84,"depth":192,"text":16},{"id":116,"depth":192,"text":19},{"id":146,"depth":192,"text":22},{"id":171,"depth":192,"text":25},"Loan without collateral ► all facts and tips for a loan without collateral ✓ guarantor ✓ personal advice on the topic ✓ Find out now at MAXDA!",{"ctaHref":202,"ctaLabel":203,"image":191,"lead":191,"title":6},"\u002Fanfrage","Apply for your loan now",true,"en",{},"legacy-topic","\u002Fpages\u002Fen\u002Ftopics\u002Floan-without-collateral",{"title":6,"description":200},"Loan without collateral ▷ Facts at a glance on MAXDA","topics\u002Floan-without-collateral","pages\u002Fen\u002Ftopics\u002Floan-without-collateral","legacy-themen-path-kredit-ohne-sicherheiten","dmN7E8RaIiyxWTbklKDV9aqU1b7sDbgTIV0hKfMIo6o",[216,219],{"locale":217,"slug":218},"de","themen\u002Fkredit-ohne-sicherheiten",{"locale":205,"slug":211},{"cacheKey":221,"fallback":222,"height":226,"sourceSha256":227,"sourceUrl":97,"sources":228,"width":232},"derived\u002Fimages\u002Fv1\u002F4b9a73b50e00d50fdc48fe7ade86a01def6c12611e11d89d9c66384ab92485cc\u002Ff739052451a5fab05fc75e24",{"src":223,"srcset":224,"type":225},"https:\u002F\u002Fmaxda-staging.fra1.digitaloceanspaces.com\u002Fderived\u002Fimages\u002Fv1\u002F4b9a73b50e00d50fdc48fe7ade86a01def6c12611e11d89d9c66384ab92485cc\u002Ff739052451a5fab05fc75e24600.jpg","https:\u002F\u002Fmaxda-staging.fra1.digitaloceanspaces.com\u002Fderived\u002Fimages\u002Fv1\u002F4b9a73b50e00d50fdc48fe7ade86a01def6c12611e11d89d9c66384ab92485cc\u002Ff739052451a5fab05fc75e24600.jpg 600w","image\u002Fjpeg",200,"4b9a73b50e00d50fdc48fe7ade86a01def6c12611e11d89d9c66384ab92485cc",[229],{"srcset":230,"type":231},"https:\u002F\u002Fmaxda-staging.fra1.digitaloceanspaces.com\u002Fderived\u002Fimages\u002Fv1\u002F4b9a73b50e00d50fdc48fe7ade86a01def6c12611e11d89d9c66384ab92485cc\u002Ff739052451a5fab05fc75e24600.webp 600w","image\u002Fwebp",600,{"cacheKey":234,"fallback":235,"height":226,"sourceSha256":238,"sourceUrl":156,"sources":239,"width":232},"derived\u002Fimages\u002Fv1\u002Fb4ab126138b971764f2117021946734e55daaecbe0073496f2e045e3b1cdd932\u002Ff739052451a5fab05fc75e24",{"src":236,"srcset":237,"type":225},"https:\u002F\u002Fmaxda-staging.fra1.digitaloceanspaces.com\u002Fderived\u002Fimages\u002Fv1\u002Fb4ab126138b971764f2117021946734e55daaecbe0073496f2e045e3b1cdd932\u002Ff739052451a5fab05fc75e24600.jpg","https:\u002F\u002Fmaxda-staging.fra1.digitaloceanspaces.com\u002Fderived\u002Fimages\u002Fv1\u002Fb4ab126138b971764f2117021946734e55daaecbe0073496f2e045e3b1cdd932\u002Ff739052451a5fab05fc75e24600.jpg 600w","b4ab126138b971764f2117021946734e55daaecbe0073496f2e045e3b1cdd932",[240],{"srcset":241,"type":231},"https:\u002F\u002Fmaxda-staging.fra1.digitaloceanspaces.com\u002Fderived\u002Fimages\u002Fv1\u002Fb4ab126138b971764f2117021946734e55daaecbe0073496f2e045e3b1cdd932\u002Ff739052451a5fab05fc75e24600.webp 600w",1791352261697]