Loans have become a matter of course in recent years for many people who want more liquidity in the short term. Sometimes it happens in life that you are dependent on cash – whether to pay a bill or even to make an urgent purchase. A common problem with this, however, is that not everyone can successfully apply for a loan. Often the own creditworthiness stands in the way – more precisely, the Schufa. Because in this country, as a rule, the Schufa file of the applicant is always queried. If there is a negative entry in the file, the chance of an instant loan drops to zero. If you still need cash urgently, there is only one solution: take out an instant loan in Switzerland online.
The instant loan from Switzerland – what exactly is it??
Each country has its individual credit guidelines – so the Swiss loans are quite different from those in Switzerland. With a loan from Switzerland, the bank is therefore not from Germany. The bank is headquartered in Switzerland and checks the creditworthiness in a completely different way than is the rule here in this country.
For this reason, borrowers who have a poor credit rating in Germany or. have a negative entry in 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 be rejected immediately. It often does not matter whether you have a permanent job with a good salary or other collateral. Exactly these criteria are even more important in Switzerland: If you can show a fixed income or other assets, the chances of a loan are not bad. Since the Schufa is a German company, it is not queried in Switzerland.
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 personal situation of the applicant counts above all. Of course, he must also be of age and have a German residence and a German or Swiss bank account can present. Furthermore, a regular and secure income is necessary – only then can the borrower safely pay back the monthly installments. Of course, other collateral and valid identification documents must also be presented.
For Swiss banks, the current creditworthiness of the applicant is particularly important when applying for a loan – no matter how bad his credit history may be. Who is completely over-indebted or can not show any income at all, will most likely not get a loan even 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 response. In most cases, you will already receive an electronic preapproval, provided that the basic 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: At a normal branch bank in Germany, you often have to wait a few days or even weeks until you receive a binding commitment. That costs time – and you often don't have it. There are now even instant loans, where the payment is made only 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 already on Tuesday or Wednesday – provided that everything works as planned.
Small loan, personal loan & Co. – how to do 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 maintain an overview. In addition to the classic 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.
Instant loan comparison portals such as Kreditvergleich 24 can be a great help: Here you only have to enter some relevant data for the loan – these include, for example, the desired loan amount, the term or the purpose of the loan. Afterwards, all available loan offers are displayed in a clear table. Now you just have to choose the loan with the best conditions in the comparison and, if you want, you can immediately request all the documents online.
To consider are thereby naturally always conditions such as the interest, whereby in particular the effective interest plays a crucial role with the comparison. Of course, you can apply not only for an instant loan, but also a personal loan, small loan or car loan, as well as many other types of loans conveniently via the online comparison. If one has then all documents together, one must send these only to the bank and wait for a feedback. In the case of an instant loan, the rules for consumer loans apply in Switzerland, according to which payment can only be made after a 14-day waiting period.