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
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
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
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.