If a loan has to be available in 24 hours despite Credit Bureau, it is not really an easy task. On the one hand, because there is no loan from any German bank without asking Credit Bureau. And if the query reveals negative entries, the borrower is not granted credit.
On the other hand, it is the 24 hours that make life difficult for many banks. Because a loan application must be properly examined. If it is also recorded via the Internet, data must be exchanged in a complex manner and legitimation must be carried out. Finally, the money from the loan should also reach the borrower’s account within these 24 hours. All in all, a package that has to be mastered first.
The Credit Bureau and the problems associated with it
Anyone looking for a loan in 24 hours despite Credit Bureau knows very well that their Credit Bureau is not “clean”. Otherwise he would take out a normal loan by asking Credit Bureau.
Credit Bureau, based in Wiesbaden, is the leading economic information database in Germany. She sees her area of activity in storing all economic data of companies as well as of consumers. Credit-relevant information can be drawn from this data, since this can show the creditworthiness of a borrower. The Credit Bureau can be queried by companies, dealers and consumers. However, the latter are only allowed to obtain information about their own Credit Bureau.
If Credit Bureau is negative, this means that the consumer has not met his payment obligations to other contracting parties. In addition, a negative Credit Bureau could indicate that a judicial order for payment procedure is already in progress or that an enforcement order has been issued. In addition, Credit Bureau only deletes negative entries three years after they have been repaid. A negative Credit Bureau can therefore also exist if no liabilities are open at all, but the deletion period has not yet expired.
Is there a serious credit in 24 hours despite Credit Bureau?
Now, of course, the question arises whether there is a serious loan in spite of Credit Bureau in 24 hours. Is it even possible to take out a loan under such conditions?
In fact, there are a few ways to get such a loan into action. However, these require a little effort and cannot guarantee that the money will actually be in the account within 24 hours.
The best chance of getting a really good loan despite Credit Bureau in 24 hours is when you get a second borrower and apply for the loan with your partner at the house bank or a local bank. There you can personally audition, describe the situation and submit all documents directly. A lengthy exchange by post, fax or email is not possible.
If a small loan amount is desired, the selected bank can check the loan application immediately. If the decision is positive under the conditions that can be provided, the money will be paid out. If desired, even in cash, so that the money is in any case available within 24 hours.
It takes a little longer if an international loan is chosen. In principle, this does not require Credit Bureau and is issued by Sigma Kreditbank, among others. Its registered office is in the Principality of Liechtenstein. The bank can be contacted directly via the Internet. Likewise the application for the loan. Loans of up to $ 5,000 are possible. However, there can be no guarantee that payment will be made within 24 hours.
The personal loan is also good but not in time. It is offered on portals on the Internet. The portals see themselves as intermediaries and bring financiers and borrowers together. The chances of getting a loan without Credit Bureau are very good if the project that is linked to the borrowing is plausible and understandable. However, the time factor could also be a problem here, as the loan is unlikely to be available within 24 hours.
Last but not least, we would like to mention the mortgage loan, which is often forgotten. It can be taken up at pawnshops by providing the pawnshop with a pawn. There is money for the deposit, which can be used for the project. If the pledge is released again within 3 months, it becomes the property of the borrower. If the borrower cannot release the pledge, the pawnshop will auction it. Despite everything, the borrower would have his loan in 24 hours despite Credit Bureau and could therefore dispose of the required money.