Anyone who thinks of a loan automatically thinks of German credit institutions, like their own bank. There is also the option of taking out a loan in Switzerland. This quick loan from Switzerland is very popular, especially for those who will have little chance at German banks.
Who are looking for a quick loan from Switzerland?
A quick loan from Switzerland is often taken out when German banks refuse to grant a loan. There can be different reasons for this.
Often it is because of the bad private credit checker that the applicant has, but it can also be because a loan has already been taken and a second is therefore refused. German banks always check the private credit checker before granting a loan.
It does not matter whether the applicant is an employee, a self-employed person or a trainee. This is how many people choose to get a loan from Switzerland. The applicant does not even have to go abroad to apply for this loan.
Requirements for the loan
In order to receive the loan, applicants must also meet requirements in Switzerland.
On the one hand, the applicant must always have reached the age of 18 and be able to prove residence in Germany with the help of the registration confirmation. Banks in Switzerland also require proof of salary. Evidence of the past three to six months is often required. This is the only way the bank can be sure that it has a regular income.
The only difference that banks in Switzerland make to banks in Germany is the private credit checker information. This private credit checker information does not exist in Switzerland, so negative entries do not play a role in the application.
Those who prove an income from a mini job are often rejected. As a rule, it must be a permanent job that proves a salary that is higher than that of a mini job. A mini job does not bring in a lot of money and with the little money it is often not possible to repay a loan amount.
Therefore, there will be hardly any chances for a quick loan from Switzerland.
Application in Switzerland
The applicant does not have to go abroad to apply for a quick loan from Switzerland. One look at the Internet is enough to find numerous credit institutions that grant such a loan.
However, before the applicant chooses a bank, the different banks should be compared. This is the only way to keep the loan inexpensive. The interest on a quick loan from Switzerland can vary significantly, so that a comparison is always worthwhile. Here, the customer can also see at a glance how high the interest is and what amount has to be repaid in how many months.
Anyone who has selected a bank must fill out an online form. The information here must always be provided truthfully. After an initial check, the applicant often has to send the necessary documents by email, which are checked in detail. This process can take up to 24 hours, but is usually much faster than at a German bank. As soon as the bank approves a loan, the contract is sent, which should be read carefully before it is signed.
As soon as the signed contract of the bank is available again, the money will be transferred within a short time. As with all loans, repayment is made monthly. Should there be any payment difficulties, the bank should always be contacted. Those who remain silent and do not pay will immediately lose their loan agreement and must pay the sum immediately. Anyone wishing to have a deferral of payment can only do so by speaking to the bank.