Online-Loans-without-Private-Credit Test winner 02/2019 – our test!

According to statistics, more than three million German citizens are affected by negative Private credit entries. Negative entries can occur, for example, if you constantly overdraw your checking account or can no longer service loan installments. With a negative Private credit score, the chance of obtaining credit at the house bank is almost zero. However, there are also providers who give an online loan without Private credit. Below we would like to introduce the credit-without-Private credit test winner of our online credit-without-Private credit test.

Credit-without-Private credit test winner: Important at a glance

Credit-without-Private credit test winner: Important at a glance

  • Effective annual interest from 4.90 percent
  • Agency fee is due only after credit approval and credit
  • Credit also possible with bad Private credit rating
  • Maturities between 12 months and 120 months

What is a credit-without-Private credit?

What is a credit-without-Private credit?

It is not uncommon for beacons to reject loan requests because the Private credit score is too negative. But what should one do if one needs money, but does not get one because of the negative entries? Do not worry, it’s also possible to get an online credit-without-Private credit. Such a loan is a loan that is granted independently of Private credit and does not carry a Private credit note. Unfortunately, there are some black sheep in this industry who are trying to make a profit from the financial hardship of others. Interested parties should not rush and take a closer look at the offers. Often then find such dubious providers enormous costs, such as an agency fee, which is required before the loan approval. Far too high interest rates usually speak for a rather poor credit offer and customers should keep away from it.

Credit-without-Private credit test: That’s the winner

Credit-without-Private credit test: That

Crediter won the race for first place in our big credit-without-Private credit test. Test winner Crediter has specialized in arranging loans for more than 40 years. Its range of services includes instant loans up to 100,000 euros, ancillary loans up to 50,000 euros, loans for retirees up to 80 years, real estate financing even without equity and, of course, Private credit-independent loans.

The offer of the test winner Crediter

The offer of the test winner Crediter

Credit offer received without obligation

Anyone who does not get credit from their house bank due to a negative Private credit rating, has the chance of getting a loan through this provider. The conditions for granting a loan are as follows:

  • The borrower must be at least 18 years old
  • The residence must be in Germany
  • The borrower must have a regular income (employees, civil servants, pensioners, etc.)

A negative Private credit entry is in the credit-without-Private credit test winner usually no reason for refusal. In order to find the right offer for each customer, Crediter is in contact with up to 20 banks at home and abroad. As a result, the borrowers receive a non-binding offer. This is absolutely free and customers can refuse this at any time. As with all other providers in this sector, Crediter will incur an agency fee. However, unlike many other companies, it does not have to be paid until the successful conclusion of the contract and the money has been credited. This fact alone demonstrates the seriousness of the provider.

The annual percentage rate starts with our test winner at 4.90 percent pa At this point, however, it must be said that the amount of the interest rate depends on the creditworthiness of the customer and can be up to a maximum of 16.90 percent pa. Even though the maximum interest rate initially appears to be quite high, it must be kept in mind that Crediter takes on an increased risk when arranging loans to customers with a lower credit rating.

In terms of maturity, these are completely flexible and range from 12 months to 120 months. The possible loans are between 1.000 Euro and 100.000 Euro.

Our conclusion: Serious provider with years of experience

Many borrowers have already given up the hope of getting a loan to fulfill, for example, a big dream.

With our test winner Crediter, however, customers have access to a competent and experienced provider, who, even if creditworthiness is lower, usually allows a loan.

Online personal loans Test winner 02/2019 – our test!

 

 If you want to take out a loan, you do not necessarily have to resort to an installment loan from a bank. Meanwhile, there is also the possibility of online personal loans to avail. This then runs through certain providers who specialize in arranging loans between private individuals. In our personal credit test, we took a closer look at the offers of these companies and presented the test winner.

Facts about the personal loan test winner

Facts about the personal loan test winner

  • Arranging loans between private individuals
  • Loans between 1,000 and 25,000 euros possible
  • The amount of interest depends on the moneyor score
  • Interest rates start at 6.99 percent
  • After successful lending, a fee of 2.95 percent is due for borrowers and one percent of the loan amount for investors

What is meant by a personal loan?

What is meant by a personal loan?

Who does not know that? You want to finally buy a long-cherished dream of a car or a new washing machine, but can not afford this due to lack of financial resources. With a personal loan, customers have the opportunity to get a bit closer to their dream. Personal loans are brokered between private individuals. These are usually characterized by lower interest rates than a house bank. Furthermore, the chances of getting a loan are higher, as customers with a rather bad Private credit score get the opportunity to borrow money.

In Germany, for legal reasons, a bank must take over the financial management of the loan. Such a personal loan is particularly interesting for self-employed who want to build an existence. With a financial institution, entrepreneurs often have little chance of getting a loan, as they insist on income proofs, which a customer, who is only just starting his business, can show. For a personal loan, lenders tend to focus on a coherent business plan and realistic budget planning.

General information about the test winner moneyor

The idea for the company moneyor was born in 2006. The following year, the moneyor GmbH was launched. Since then, the company has already brokered nearly 35,000 loans and funded loan requests in excess of € 200 million. moneyor is the largest online marketplace for peer-to-peer lending and has attracted over 50,000 private investors. The company consistently has only positive reviews and opinions and has been certified by the TÜV. moneyor is located in Dusseldorf and customer support is available by phone Monday through Friday from 10am to 6pm. In addition, customers can also contact the company’s employees by e-mail.

Personal credit test: moneyor has convinced us

Personal credit test: moneyor has convinced us

With our personal loan test winner, customers can receive a loan quickly and easily. The registration is absolutely free for credit seekers. For this, the desired amount must first be selected. The possible loan amounts are between 1,000 and 25,000 euros. Subsequently, customers are asked to specify what the money should be used for and the loan request can be sent. In just a few minutes, borrowers can find out if available lenders are available for financing. Borrowers can increase the likelihood of lending by providing lenders with accurate accounts and credit information. moneyor calculates for each customer an individual moneyor score, which is determined on the basis of the personal credit rating. On the basis of this score then the appropriate interest rate is given.

As far as the costs of the test winner moneyor are concerned, according to our online personal loan test, a one-time placement fee of 2.95 percent of the loan amount is due for successful lending. But not only credit seekers can benefit from the principle of a personal loan. Lenders can view the lending of their money as an investment and benefit on average from a high interest rate. This is the test winner on average at 6.77 percent and thus promises a higher return than many investments at banks.

The registration is free for investors, as well as for borrowers, with our personal loan test winner moneyor. Only after a successful investment in a loan project, a fee of one percent of the investment is due. The fee will be retained after repayment of the first installment.

As usual in Germany, moneyor handles the loan via a bank. In this case, the Bank takes care of a smooth process. The South West Bank is a direct bank specializing in the provision of online credit.

Our conclusion: A good alternative to the house bank

Our conclusion: A good alternative to the house bank

Thanks to moneyor, borrowers no longer have to rely on their bank when it comes to applying for a loan. The principle is as simple as it is ingenious: loans are transferred from private customers to private customers.

Borrowers benefit from significantly higher credit opportunities and investors from high returns.