Archives October 2017

Online installment loans Test winner – our test!

This was the test winner convince us

The offer of online installment loans is enormous. So it is no wonder that many borrowers find it difficult to pick the right provider. In our large instant loan test, we compared numerous loan offers and present the test winner.

Installment credit Test winner: The most important thing at a glance

Installment credit Test winner: The most important thing at a glance

  • Effective annual interest rate of 3.79 percent
  • Loan between 5,000 and 50,000 euros possible
  • Maturities are 12 to 84 months
  • No processing fees
  • Free special repayments possible

Installment Loan Test: What makes a good loan offer?

Installment Loan Test: What makes a good loan offer?

For many borrowers, the interest rate is an important factor in choosing a loan. A low interest rate is therefore crucial for a good deal, because no one wants to pay the actual loan even huge sums of interest. In addition, however, other aspects should also be considered. Even though many providers are now waiving a processing fee, there are still credit institutions here and there that charge for processing the loan. Furthermore, it should be possible to trigger the loan before the expiry of the agreed term. A competent contact person who provides advice on questions rounds off a good offer.

We present the test winner Metabank

Metabank was founded back in 1965. The company is a stock corporation and is headquartered in Frankfurt am Main. The focus of the bank is not only on savings and asset accumulation, but also on loans. Therefore, the company provides not only the installment loan, but many other credit options. Variable interest rates and loan amounts as well as attractive terms make up the offer.

The regulation is carried out by the German Federal Financial Supervisory Authority (BaFin), and as a voluntary member of the Deposit Guarantee Fund of the Federal Association of German Banks (BdB), Metabank offers its customers additional security.

This was the test winner convince us

Our online installment credit test has determined the provider Metabank as the test winner from a variety of credit companies. Below is an explanation of why the company has more than earned the title as the best provider of online installment loans. As mentioned earlier, the level of the interest rate is very significant. The Metabank can score with very attractive conditions at this point. The annual percentage rate is 3.79 percent. The percentage that ultimately earns interest depends on the creditworthiness of the customer. The better this is, the lower the final annual interest rate will be.

The installment test winner allows his clients to borrow between 5,000 and 50,000 euros and the terms extend over 12 to 84 months. The application for the loan amount is uncomplicated online or by phone. In the case of an online application, the decision about the authorization is made immediately; in the case of a telephone application, borrowers receive a mail within a few days. If the loan has been approved, the amount will be transferred as soon as possible. In our installment loan test, we found that Metabank does not charge any fees for processing the loan application. Furthermore, free special repayments are possible at any time.

The payment date for the loan amount is freely selectable. In addition, the favorable interest rates are permanently secure and borrowers can hedge their loan on request. The test showed that a installment loan for freelancers is possible. This distinguishes the Metabank from many competing credit institutions. The purpose of the installment loan does not have to be proven, which provides borrowers with significantly more flexibility.

We were particularly impressed by the customer service of Metabank. The contact is possible by phone around the clock. During this time, customers are available to competent and friendly employees for all questions and suggestions concerning the loan. In addition, the Metabank offers a callback service. The customer support can of course be contacted by e-mail. Metabank provides a detailed and clear overview of the loan on its website. But if you want more information, videos are available that detail everything about the loan.

Our conclusion: convincing all along the line

Our conclusion: convincing all along the line

If you are looking for an online installment loan on good terms, then Metabank is the place to go. The annual percentage rate of charge is low and depends on the creditworthiness of the customer. The purpose of the installment loan does not have to be specified, which provides for even more flexibility of the borrower. On a processing fee, the provider completely waived and with the right of withdrawal of four weeks ahead of many other providers. The professional customer support advises customers competently with questions and concerns and completes the offer of Metabank.


Quick loan without Private credit information

to the provider Bon credit

To get a quick loan without Private credit information at his house bank is not possible. All banks conduct a comprehensive credit check to make sure that the borrower can actually repay the loan. But what to do if a bill needs to be paid urgently and the car repaired? But there is also the possibility to get a quick loan with a negative Private credit score.

Worth knowing about the best offer

  • Companies like MaxCredit and Crediter offer loans without Private credit
  • The interest rate depends on the creditworthiness of the borrower
  • Lenders are domestic and foreign banks
  • The credit line for Private credit-independent loans is limited

What is a quick loan?

Urgent loans are best used when it comes to covering short-term costs that do not give rise to deferment. For example, if the washing machine breaks down, urgently needs a new one. Quick loans are generally awarded online, as this is the only way to ensure rapid processing. Customers can make the loan application from the comfort of their own home, with a provider of their choice. Usually, in just a few minutes, whether this is granted or not. However, this is only a provisional confirmation. For a full settlement, in most cases, documents must be submitted and the signed contract sent to the lender. If all documents are complete, the loan is outstanding and the provider arranges for an immediate transfer, which can take a few days.

What about a quick loan without Private credit?

Quick loans without Schufa?

Quick loans without Private credit?

Anyone looking for a quick loan without Private credit information must look for alternative providers. As a rule, banks do not lend in such circumstances. Examples of alternative platforms include peer-to-peer providers. These are companies that provide loans between individuals. The best known are auxmoney, Lendico and smava. These marketplaces for private loans promise a quick settlement of the loan application. The credit broker auxmoney is also able to get a loan even with a less good Private credit score because ultimately the private lenders decide which loan project they want to invest in.

For some time, loan seekers have the opportunity, via so-called online pawn shops, such as DivaPawnshop, to pledge valuables in order to get a loan. The platform estimates the value of the item and makes an offer to the customer. If the customer accepts this, the valuables will be collected and remain with the pawn shop until the owner has paid off the loan in full. These platforms waive both a credit check and a proof of income, as the pledged asset serves as a security.

Crediter and MaxCredit offer loans without Private credit

 Platforms that specialize in the granting of small loans, also allow a speedy processing and credit of the loan. Providers such as Neofunding and ExpressCredit offer loans in manageable dimensions and short maturities. While Neofunding, for example, does not directly qualify for a quick loan without Private credit, it does indicate that even if the Private credit rating is poor, credit opportunities exist. The provider creates his own risk certificate, which should convince the partner banks of the creditworthiness of the customer.

Some providers expressly point out that even without Private credit, they can lend out short-term loans. The best known are probably MaxCredit and Crediter. With these platforms, customers who have already been rejected by banks due to insufficient creditworthiness can get a chance at a loan. The conditions for granting a loan include the age of majority of the borrower, a residence in Germany and a regular income. Credit intermediaries work closely with lenders not only domestically but also abroad, significantly increasing the chances of a loan. The amount of the sum that customers can receive in a quick loan without Private credit information, are usually limited. For MaxCredit, for example, the maximum height is 7,500 euros. The interest rate depends on the creditworthiness of the borrower. The worse this is, the higher the annual percentage rate.

Our conclusion: Even loans without Private credit possible

Getting a quick loan without Private credit is not necessarily easy. However, some providers, such as MaxCredit and Crediter refrain from a Private credit query and usually grant a loan to customers with a bad Private credit value.

However, it should be noted that the lower the credit quality and the credit limit is very limited, the interest rate is higher.


Credit offers test – Compare now 35 loan providers

The search for the right loan can be difficult with the variety of offers.

A good comparison of providers is the best basis for making a decision.

  • objective comparison of credit providers
  • Overview of the current offers on the market
  • Insight into current interest rates

Save with the loan offers comparison

Save with the loan offers comparison

The choice of providers for loans on the Internet is great. If you want to bridge a short-term or longer-term liquidity shortage, finance a new car or perhaps you would like to make a longer trip and need a loan for that, you will be faced with a large number of offers and are uncertain about your choice. The choice of a suitable credit provider should not only be based on the amount of interest. Other points are also important information that can influence a decision:

    1. What are the overall terms of a loan?
    2. Are fees possibly due?
    3. Is an early payment of the open balance possible at any time?
    4. Are interest rates dependent on creditworthiness?
    5. How fast will the desired amount be approved?

The loan provider comparison of 35 different providers gets to the bottom of these questions. Here, the individual providers of loans are closely examined.

The tendency to borrow is rising again

The cheapest loan in the picture

The cheapest loan in the picture

In the credit comparison comparison, it is important to get an overview of the overall concept of the provider. Anyone applying as a borrower wants to get the lowest possible cost with a very good customer service. Comparing credit offers on this website can help you find the cheapest loan. Based on the current information, the individual points are compared. The winner of the test convinced by favorable interest rates, fair conditions and excellent service.

The selection of loan offers on the Internet is great

The objective view as an advantage

In order to be able to compare loan offers it is important to get an objective basis. The direct conversation with a client advisor in a bank only clarifies an offer. Finding a suitable provider on the Internet is a versatile alternative. Here, however, it can happen that cheap providers are overlooked. Compare loan offers based on an objective comparison is therefore the best way to quickly come to a decision and secure the best deals.

Conclusion: Fast to the goal with the objective overview

With the objective comparison of the individual providers, interest and fees can be saved. Important in the search for credit is a comprehensive overview of providers and conditions.

Only with a direct comparison of offers the right choice of suitable credit is possible.


Loan agreement pattern – Legally correct personal loans template

Credit agreement by sample

Credit agreements are not a sole financial instrument of credit institutions. Even private lenders can become lenders. Here, however, the question arises for laymen in particular about the establishment of a legally valid loan agreement. However, with the help of credit agreement templates and private loan agreement model it is possible to easily and quickly download and complete a credit agreement on the World Wide Web.

All facts about the guidebook “Credit Agreement Pattern” at a glance:

  • Credit agreements can also be concluded between private individuals.
  • Private individuals do not have to but have a personal relationship with each other.
  • A few specifications must be complied with by law in a contract.
  • Some points are worth considering for both parties
  • With the help of a loan agreement template, you can set up a credit agreement within a few minutes

1. Loan agreements between private individuals

1. Loan agreements between private individuals

Loans between private individuals have always existed and will always exist. This is not dubious donors from dark backyards, but honest business people who either want to help a friend out of financial hardship or seek a way out of the Sparwüste in times of low credit interest. Credit is the price that banks and other financial service providers are willing to pay for working with their own money.

Easier: Credit gets the bank customer on his saved money. The debit interest, so that what the bank customer has to pay for a loan, are also sinking, but not at the same speed and certainly not on an equally low level. As a result, just wealthy business people who have enough liquid funds at their disposal to profitably attach them, have the need to make more of their money.

The spread between debit and credit interest

Borrowers and lenders have an interest

Here are loan portals that support the so-called social lending. The prospective borrower only has to leave his personal information on the page and describe his situation truthfully. If any of the lenders are interested in investing, they will contact the credit-worthy petitioner. Here then further information is exchanged. If the concept convinces both sides, a credit agreement is concluded. There are credit agreement templates in order to be able to guarantee a legally valid conclusion.

But even in a less anonymous environment it often comes to the award of personal loans. The cause can be negative Private credit entries, which makes it difficult to obtain loans from traditional banks. In addition, it can just give acquaintances and money for friendship award. This means that the loans will earn less interest than the usual market rate. Because even if the interest rates are below the usual borrowing rate, they are usually still above the interest rate.

An example:

Thanks to some economic unpredictability and the activities of the ECB, the key rate at the beginning of 2015 was 0.05 percent. Theoretically, banks could go down to that level. In fact, most financial services companies dropped their deposit interest rates to 0.1 percent. Loan lending rates also hit a record low, but are still at 4.5%. This makes an interest margin of 4.4 percent within which the agreed interest can move, but in which both parties benefit from the loan.

Let’s say you agree on 3 percent and it is a loan over 3,000 euros, which should be paid off after one year. The lender generates an interest of 90 euros. In the low- interest savings system, he would get just 3 euros for one year. Instead of a chic five-course menu, there is only one sandwich from the baked goods discount store. The borrower, however, would have to pay at least 135 euros at a bank, which corresponds to 45 euros additional costs.

Many such examples could be spun, which is why the awarding of personal loans is worthwhile for both sides. In the case of negative Private credit entries, however, it is to be expected that the lenders will let the increased risk be paid with higher interest rates. Given that banks do not want to take that risk at all, so is their right.

Loan agreements between private individuals can take place in a social and anonymous environment. If the borrower has to resort to this option for reasons of negative Private credit entries, a higher interest rate can be expected. Other reasons may lie in mutual benefit by low credit rates and relatively high debit interest.

2. Legal requirements

A credit agreement is subject to the law of obligations and can therefore be freely designed by the parties. Only a few key points must be present, other points are in their design in the hands of the contracting parties. However, it is advisable to clarify certain things in advance, as long as no money has been flowed and dependencies created. Emotions should be left out as long as possible.

A credit agreement should – but need not – include the following points:

  1. parties
  2. loan amount
  3. loan period
  4. interest
  5. repayment way
  6. delay
  7. collateral
  8. Notarial acknowledgment of guilt
  9. termination

Some of these issues have already led to serious disputes in the past. Therefore, both parties should take time in advance to reflect on the individual points in peace. It is also no betrayal of trust, if at this point a professional opinion is consulted. Especially in the case of personal loans, it may be due to partial knowledge to legally relevant misunderstandings.

3. Loan Agreement – Set up a loan agreement in just 5 minutes

Loan agreement between private individuals

Loan agreement between the
Borrower: ______________________________________________________________
First name, last name, address

and the

Lender: ________________________________________________________________
First name, last name, address

1. The sum and purpose of the loan

The lender grants the borrower a loan of the following amount:

_______________________________________________________________________________________
Height in number and font

The loan should be used for the following purpose:

____________________________________________________________________________

2. The payment of the loan

The loan is to be transferred to the following account on ________________ (date):

Account owner: _____________________

IBAN: _____________________

BIC: _____________________

3. The repayment

The loan is subject to an interest rate of ____% per quarter / half year / year.

The eradication takes place

Monthly Quarterly Half yearly Yearly
———- please circle ———-

in the amount of a repayment installment of ___________ Euro on the account mentioned below.

Account owner: _____________________

IBAN: _____________________

BIC: _____________________

4. Contract basis

At the time of the conclusion of the contract, creditworthiness existed on the part of the borrower.

5. Late payment

5.1 If the borrower defaults more than ___________ days in arrears, the interest rate will automatically increase by ___________ percentage points.
5.2 If the borrower is in default more than three months, the contract can be terminated without notice, including the due date of the outstanding interest payments.

6. Collateral
6.1 Collateral is not part of the loan agreement.
6.2 There is a security transfer of the following items
________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________
Please list individually
to the lender instead.

6.3 There is a security assignment of the following collateral to the lender:
□ claims that fall under the seizure exemptions of § 850c ZPO or
□ Claims arising from a life insurance (details of the relevant life insurance).

These may be used in the event of non-performance on the part of the borrower to satisfy the lender.

7. Notarial acknowledgment of guilt
The borrower must provide the lender with a notarised acknowledgment of debt. This is an enforcement submission in the amount of the loan. This must be provided to the lender in the original.

8. Termination
In case of important reasons, the lender may terminate the contract at any time without notice.

9. Final provision
This agreement reflects the full agreement of the parties. Verbal collateral agreements do not exist. Amendments and supplements to the contract must be in writing. This also applies to a deviation from the written form requirement

This agreement reflects the full agreement of the parties. Verbal collateral agreements do not exist. Amendments and supplements to the contract must be in writing. This also applies to a deviation from the written form requirement.

________________________ __________________________________
Place, date signature borrower
________________________ __________________________________
Place, date signature lender

4. A conclusion: The loan agreement is written quickly thanks to private loan agreement pattern

4. A conclusion: The loan agreement is written quickly thanks to private loan agreement pattern

With the help of a private loan agreement model, one can quickly and easily write a loan agreement between two private individuals. How and why these individuals find each other is not relevant here. As long as all crucial points have been worked out in advance with care and there are no discrepancies between the parties, there is nothing in the way of a loan agreement based on a private loan agreement.

In order to have no disadvantages in case of dispute due to form errors, a template may be useful. In addition to numerous templates on the World Wide Web, which are often available for download, they can also use private loan agreement pattern, which was listed above.


Personal loan without Private credit information: the best provider?

Personal loan without Schufa

Who has a Private credit entry and a negative credit rating, who has no good chances to get a loan. One possible solution is the use of a personal loan, which is conveyed through various platforms.

  • Good conditions from private to private
  • Flexible terms
  • Flexible amounts

The alternatives to a personal loan: microcreditors & pawn shops

The alternatives to a personal loan: microcreditors & pawn shops

Personal loans have become increasingly established in recent years. Especially those who have a liquidity problem and at the same time a Private credit entry can benefit from this opportunity. But there are also alternatives for those who do not get warm with personal loans.

The microcredit providers, such as ExpressCredit and Neofunding, specialize in arranging loans up to an amount of 600 euros. For a short period of 15 to 30 days, the microcredit could be used to bridge financial problems until the next salary payment. The advantage of this is that the terms are kept very short and so the debt can not accumulate over a long time. However, those who need a higher amount have no chance with the micro-lenders.

Similar to a loan, the online pawn shop works. In this case, DivaPawnshop acts as the most popular platform and offers the possibility of crediting luxury valuables. In addition to watches and jewelry can also be given here technology and gems in payment. Interest will also be charged on the money provided. The disadvantage here lies mainly in the problem that the valuables pass into the possession of the pawn shop, if the loan can not be paid.

The valuations of valuables are done quickly at DivaPawnshop

Credit intermediaries without Private credit enjoy great popularity. Crediter or MaxCredit offer their customers the opportunity to provide without Private credit query and without entry to the Private credit a loan. The interest depends on the selected period and the amount of the desired loan. As a disadvantage, it can be considered here that partial collateral is required for the loan, so that must be guaranteed by car or other valuables.

All the alternatives mentioned can also be claimed if a Private credit entry exists.

The test winner of P2P intermediaries: the platforms in comparison

The test winner of P2P intermediaries: the platforms in comparison

Private loan without Private credit is a very good way to get money on credit. Platforms like smava and moneyor are ideal for lenders and borrowers who want to lend or borrow money privately to privately. As test winner, moneyor was able to distinguish itself. The platform is very clear and free for borrowers. The speed with the mediation is also positive. The request for the desired amount can be provided completely free of charge. Only the amount as well as the intended purpose are indicated. If there is a private person who wants to support the borrower, then the money is already in the account within a few days. The likelihood of finding a lender here is relatively high. moneyor now has more than 35,000 satisfied credit requests and more than 900,000 members. The average return for the provider is around 6.7 percent and can therefore be described as fair. The personal loan without Private credit information can therefore be fulfilled here within a short time. The advantage is that the personal loan without Private credit does not appear as credit in the Private credit and thus does not affect the credit rating.

Conclusion: Our personal credit test winner is moneyor

Conclusion: Our personal credit test winner is moneyor

A personal loan without Private credit information can be used at moneyor on particularly fair terms and with a short processing period.

The low interest rates of 6.7 percent on average can convince just as much as the fact that private loans via moneyor are not listed in the Private credit.


How fast is an instant loan?

Instant loan sounds like the money immediately falls out of the printer when the application is accepted. However, this is not the case, the process of an instant loan must be divided into three time periods. The speed of part one affects the bank, the speed of part two of the borrowers. How fast it goes in the end, in part three, then depends again on the bank.

Instant confirmation – completely correct

Suppose a consumer seeks an installment loan and wants to have it available as soon as possible. Ideally, this is also an instant loan without Private credit examination. The first step is to use a comparison portal to explore what the terms and conditions of each provider are. After the decision has been made in favor of a provider, the application is now made. In this process, personal data such as birthdays, employment or marriage status are queried, as well as data on the financial situation. These include income, real estate or other assets. Of course, the application process takes place online. Once all necessary information has been collected, the data is transmitted to the intermediary. At this point it is now up to the intermediary how quickly the commitment for the instant loan is made. The nice thing for the prospective borrower is the fact that the data is checked immediately and the loan commitment is made within a few minutes – practically immediately.

Mail must be

Mail must be

After the confirmation comes the part that only the customer can influence. He is now required to send the necessary documents, account statements, salary statements, proof of collateral to the intermediary as part of the PostIdent procedure. Although a VideoIdent process is possible, some documents still need to be in paper form. For both types of identification, a valid identity card or passport with residence permit is mandatory. A driver’s license is not recognized as a legitimation paper. The quicker the documents are with the intermediary, the faster it can check them and compare them with the online information. If all documents are complete and correspond in terms of content to the information provided in the loan request, the loan will be disbursed within 24 hours. This process may qualify the term instant loan a little, but as a borrower you can not complain about the processing time. Especially not if it is a Private credit-free loan, which is not processed directly at the bank, but first through an intermediary and then again over the bank. Classic German branch banks and savings banks often have a harder time here, which means a timely and fast disbursement of the loan.


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