As a rule, a loan should be available quickly and easily. Most of the time, the borrowers also want the loan to be cheap and that they can freely dispose of the loan amount. Banks and savings banks can also offer their customers all of this and more if they ask for a loan.
Because the variety of loans is now so great that it can meet a wide variety of wishes and preferences. The prerequisite is of course always that the borrower can also fulfill some of the banks’ wishes in order to obtain a loan. So he has to agree that the credit checker is queried and his income is checked.
Why there is no instant credit without credit checker
Now there are some borrowers who have problems with the credit checker. You have accumulated one or more negative entries there and therefore do not want the bank to query credit checker. If this were to be learned from the entries, there would be no credit. Unfortunately, all major banks in Germany query credit checker and generally do not grant a loan if the query is not approved. They use the credit checker data as security and base their credit decision on it. If these are not to be queried, the bank does not feel compelled to agree to a loan.
If, in spite of all this, you want a loan without asking credit checker, usually only the offers of various credit intermediaries are available who would like to promise such a loan. However, this is associated with preliminary costs and the application does not mean that you really get the loan. If you do not want this and are looking for an instant loan without credit checker and no upfront costs, you have to go completely different ways.
The loan from abroad
A small option for an instant loan without credit checker without any upfront costs is when you decide to take out a loan from abroad. Here you can possibly get an instant loan without credit checker at no extra cost. That is, if you can prove a permanent employment with a relatively high income. In addition, it can succeed if the desired loan amount is relatively low. So that the loan can be paid out quickly, you should go abroad for admission.
Switzerland would be an ideal starting point for such a loan request, since Swiss banks like to give small loans to German customers. The credit checker is generally not asked for such loans and a prepayment is not necessary because you can contact the bank directly and no intermediary makes this contact. The chances of such a loan are therefore real and also quite tangible. And when you have all the documents at hand, it can also be paid out quickly and easily. Just the way you want an instant loan.