Loans for everyone, with a guaranteed commitment, and loans even for recipients – have you ever seen such promises?
If you search the internet for loans and loans without credit record, then such offers almost inevitably appear sooner or later.
What about the promise that some providers are supposed to get credit?
To make it short: There is nothing to be said about that. Excessive advertising promises are simply not serious. They raise hopes, which in the end must be disappointed in any case.
No credit broker has money to give away, and the banks primarily want to make their own money – and they can only do so by getting the borrowed money plus interest from their credit customers.
Sufficient income is a must
For a good reason, banks therefore take a close look at the credit check. They want to know if the income of the prospective loaner after deduction of the fixed costs is sufficient to pay the loan installments.
Every reputable bank acts like this – and every reputable credit intermediary. There are even legal requirements that state: Loans may only be granted if they are economically viable – ie if they do not overtax the borrower financially.
Unfortunately, those who only have a very low income or receive rarely have enough money to live on. The financial scope for the payment of credit installments is then simply not given – and therefore a lending is not possible.
But why do many providers advertise with loans for the unemployed, with housewife loans and similar loans?
Beware of up-front fees!
Unfortunately, there is often an attempt to collect fees in advance for loan documents that are really worth a penny. Because basically it is already clear that there will be no loan. Paid fees are then gone.
Bon-credit rejects these dubious methods. And we only promise what we can do. Therefore, we say openly and honestly: Without own income a loan is not possible. The only exception: there is a co-applicant who has sufficient income.
In all other cases, the income of the borrower should be € 1,300 or more – then chances are good for a quick and cheap credit.