Personal loan despite Schufa
Fast financing for new furniture, electronics and vacations
Fixed nominal interest rate of 2% for the entire loan term. Effective annual interest rate: 2%. Net loan amount: EUR 2,000 to 200,000. Loan duration: 6 to 120 months. Example: Fixed nominal interest rate of 2% for the entire loan term. Effective annual interest rate: 2%. Net loan amount: EUR 25,000. Loan duration: 72 months. Monthly payment: EUR 369. Total interest: EUR 1,568. Total payment: EUR 26,568.
Personal loan: The most important features at a glance
What is a personal loan?
With a personal loan, you can quickly add new money to your account , which you can use for many different purposes : for example, to buy new furniture or electronics, book a nice vacation with the whole family, or pay off an expensive overdraft.
Your personal loan will be disbursed within a few days for free use. With the free loan comparison from Fluxcreidi you will find the most affordable loan with the best interest rate. Fast approval is possible even with a low Schufa credit score .
Typical repayment periods for personal loans range from 24 to 72 months and loan amounts range from 1,000 to 100,000 euros. Applying for a loan is always free and there are no obligations whatsoever.
Types of private loans
With Fluxcreidi you can arrange three different types of personal loans – depending on the loan that best suits your personal situation:
- Traditional personal loan with the lowest interest rate (Schufa OK certificate required)
- Personal loan despite Schufa (with minor negative aspects in Schufa)
- Personal loan without Schufa
Which personal loan is best for you? The friendly loan experts at Fluxcreidi will find out for you. Your advantage: Simply submit a free loan application (which takes five minutes) and Fluxcreidi will automatically find the most suitable loan type for you.
In search of the best conditions, we negotiate with up to 20 banks in the Ireland and abroad.
Particularly affordable: traditional personal loan
By comparing loans from up to 20 banks, Fluxcreidi finds the most affordable personal loan for you. Since banks calculate interest rates based on your creditworthiness, the higher your income and the better your Schufa credit history, the lower the interest rate. If your Schufa credit history is in order, a traditional personal loan is considered the best option. A Schufa credit history is obtained and the loan paid is registered with Schufa.
Even with negative aspects: Private loan despite Schufa
If you have a slightly negative Schufa score, Fluxcreidi can offer you a special advantage: We can find you a loan even with Schufa . Basically, this is a normal loan with a Schufa report and registration. However, the money comes from banks that do not attach much importance to the Schufa score when deciding on a loan. These banks also take other factors into account and will approve you for a loan even with a negative Schufa score, provided that you have sufficient income.
Personal loan without Schufa
A very negative Schufa score often makes it impossible to get a regular personal loan. In this case too, Fluxcreidi can help you with a loan without Schufa . In this case, your personal loan does not come from a Norwegian bank, but from a foreign lender. Schufa plays no role here. This means: The bank does not receive a Schufa report and does not report the loan disbursed to Schufa. This type of loan will therefore provide you with new money even if other loans are not approved. The disadvantage is the higher interest rates compared to regular installment loans. And a personal loan without Schufa can only be obtained up to a maximum of 10,000 euros.
What conditions do I need to meet to get a personal loan?
To get a personal loan, you only need to meet certain requirements. Here are the most important points that banks take into account when granting a loan:
- Regular income: This is the most important factor. You need a stable and demonstrable income stream. This is usually evident from payslips, tax returns, or pension statements.
- Permanent employment: Many lenders consider a minimum of six months of employment with the same employer to be the ideal option. This indicates a certain level of professional and financial stability.
- Residence and bank account in Greece or Europe: Permanent residence in the Ireland or Europe and a European bank account are required to meet the legal conditions for granting a loan.
- Age: The applicant must be over 18 years of age to enter into a legally binding loan agreement.
- Schufa score: With Fluxcreidi you don't need a high Schufa score because we can offer you loans regardless of your Schufa score or even loans without a Schufa score.
Funding and documents
What can I finance with a personal loan?
A personal loan is an unsecured loan that is provided to individuals to finance various personal projects. These range from home renovations and purchasing new electronics or furniture to covering unexpected emergencies or paying off existing debts.
You can specify in your loan application what your loan will be used for, but it is not mandatory. And since the drawdown is usually for your own use , the bank does not require any proof of this.
Using a personal loan as part of debt consolidation is a special case: If you use the loan to repay existing loans, the new bank will transfer the corresponding amounts directly to the previous creditors.
Required documents for a private loan
Personal loan tips: common uses for our customers
Incredible vacation
As the ad says, incredible moments with your family on long-awaited dream vacations – without a price... But since vacations in real life have to be paid for, many Fluxcreidi customers use their personal loan to book their vacations. And with the right loan amount, not only are flights, hotels and car rentals included, but there is also enough left for the entire vacation fund. After all, you don't want to miss out on exciting trips, delicious food and some souvenirs during the best weeks of the year.
New furniture
Our own home is a place where we feel completely comfortable and safe. That's why our homes should be fashionable and comfortably furnished. We need a beautiful and functional kitchen - and if our bathroom is a small oasis of well-being, it can work wonders even on stressful days. Many Fluxcreidi customers use their personal loan to furnish their home exactly as they want. With new furniture for the living room and bedroom, for the children's room or the kitchen. And also for larger renovations that give the apartment a whole new shine.
Electronics and the like.
A cinema experience from your own couch? Thanks to the XXL LED TV and surround sound system, this is no problem. New mobile phones and tablets, smart home devices and many other technological gadgets also make life easier and more enjoyable. With a personal loan, you can quickly and easily finance small and large purchases in the area of electronics, household appliances and the like. Thanks to low interest rates and flexible terms, you pay everything in small installments - but you can enjoy more comfort, fun and joy of life right away.
Personal loan repayment: detailed instructions
Determine the loan amount
The first step is to determine the best amount for your personal loan. If you already have a specific purchase in mind, simply take the purchase price of something like furniture, electronics, or appliances and round up the total amount. Remember, it's cheaper to take out one slightly larger loan than several smaller ones. This means: If you're planning on going on vacation now and you already know you'll need new furniture in a few months, it's best to take out a loan for the vacation and the furniture at the same time.
Tip: The free Fluxcreidi service includes setting a maximum amount you can borrow on your personal loan. For example, if you are applying for €5,000 but could easily get €10,000, our friendly and knowledgeable loan specialists will let you know.
You can then decide whether you want to withdraw a higher amount or just the amount originally requested.
Choose the cheapest monthly price
Apply for a free personal loan
A personalized offer for your personal loan
Your personal loan will end up in your account.
Personal loan despite poor Schufa health - is it possible?
But it doesn't mean you have to give up on a personal loan just because your Schufa score isn't perfect. Even with a negative history, you can get financing from fluxcreidi.com. We work with our partner bank to tailor the loan offer exactly to your needs and ensure that you achieve your financial goals. If we can't find a lender with a Schufa score, we will request a personal loan offer without a Schufa score.
At fluxcreidi.com, we will help you get financing even in difficult situations. You take no risk because you have no obligations and you do not have to pay any initial costs. In addition, our loan application process is completely Schufa-neutral. So take advantage of this opportunity and submit your free loan application to fluxcreidi.com today.
Service
Fixed nominal interest rate of 2% for the entire loan term. Effective annual interest rate: 2%. Net loan amount: EUR 2,000 to 200,000. Loan duration: 6 to 120 months. Example: Fixed nominal interest rate of 2% for the entire loan term. Effective annual interest rate: 2%. Net loan amount: EUR 25,000. Loan duration: 72 months. Monthly payment: EUR 369. Total interest: EUR 1,568. Total payment: EUR 26,568.