In recent years, loans have become a matter of course for many people who want more liquidity in the short term. Sometimes in life you have to rely on cash – whether it's to pay a bill or even to make an urgent purchase. However, a common problem is that not everyone can apply for a loan successfully. Often their own credit rating stands in the way – or more precisely, the schufa. Because in this country, the schufa file of the applicant is usually always queried. If there is a negative entry in it, the chance of an instant loan drops to zero. If one needs nevertheless urgently cash, there is only one solution: to take up on-line an sofortkredit in switzerland.
The instant loan from switzerland – what exactly is it??
Every country has its own individual credit guidelines – so swiss loans are clearly different from those in switzerland. In the case of a loan from switzerland, the bank is therefore not from germany either. The bank has its headquarters in switzerland and checks the creditworthiness in a completely different way than it is the rule in this country.
For this reason, borrowers who have a bad credit rating in germany or. Have a negative entry at the schufa, there still good chances of an instant loan. If you apply for a loan in germany with a bad credit rating, you will usually receive an immediate rejection. It often does not matter whether you have a permanent job with a good salary or other collateral. However, it is precisely these criteria that are all the more important in switzerland: if you can show a fixed income or other assets, your chances of getting a loan are not bad. Since schufa is a german company, it is not queried in switzerland either.
These requirements are important for a loan in switzerland
The requirements for an instant loan in switzerland are clearly different from a german installment loan from a branch bank. Here, the applicant's personal situation is what counts most of all. Of course, the borrower must also be of legal age and have a german residence and a german or swiss bank account. Furthermore, a regular and secure income is necessary – only then can the borrower safely repay the monthly installments. Of course, other collateral and valid identification documents must also be presented.
For swiss banks, when applying for a loan, it is particularly important what the applicant's current credit rating is – no matter how bad his credit history may be. If you are completely over-indebted or have no income at all, you will most likely not be able to get a loan in switzerland. In principle, it is important to compare different offers before applying for an instant loan.
What is the instant loan and how does it work?
Instant loans offer the advantage over ordinary installment loans that they can be paid out much faster. For this reason, they are particularly suitable for people who need cash at very short notice. Once you have submitted all the necessary documents to the swiss bank, it will check the documents immediately and then give a quick feedback. In most cases, you already receive an electronic preapproval, provided that the rough requirements are met. Whether the loan application is then actually approved, however, depends on many different factors.
In contrast to a normal loan, the entire process is much faster, which can be an important advantage if you are in urgent need of money. Because: with a normal branch bank one must wait in germany not rarely some days or even weeks, until one receives a obligatory promise. It costs time – and you often don't have it. There are now even instant loans, where the disbursement takes place just a few hours after the loan approval. For example, you can apply for the loan on monday and be happy about the money in your account on tuesday or wednesday – provided that everything works as planned.
Small loan, personal loan & co. – how to make a loan comparison in switzerland?
Because there are now a considerable number of lenders on the market, it is often not easy for consumers to keep track of them all. In addition to the traditional branch banks, you can now also find attractive offers on the internet. Here, however, it is particularly important to pay attention to seriousness, because unfortunately this is still not self-evident today.
A great help can provide instant loan comparison portals such as kreditvergleich 24: here you only need to enter some relevant data for the loan – this includes, for example, the desired loan amount, the term or even the intended use of the loan. Then all available loan offers are displayed in a clear table. Now one must select then only the loan with the best conditions with the comparison and can request, if one would like, immediately on-line all documents.
Of course, conditions such as interest rates are always to be considered, with the effective interest rates in particular playing a decisive role in the comparison. Of course, you can apply not only an instant loan, but also a personal loan, small loan or car loan, as well as many other types of loans conveniently through the online comparison. Once you have all the documents together, you only have to send them to the bank and wait for a response. In the case of an instant loan, the rules for consumer loans apply in switzerland, according to which the payment can only be made after a 14-day waiting period.