Basically, it is not easy to get a Lite lender loan without Credit bureau and without creditworthiness. Even if the Lite lender banks do not provide Credit bureau information when applying for a loan, this does not mean that they grant a loan without a certain minimum level of creditworthiness. Otherwise, they would issue a blank check to their customers and have no guarantee that they would get their money back.
Requirements for a Lite lender loan without Credit bureau and without creditworthiness
Many people who cannot get a loan in Germany want a Lite lender loan. If you have reached the age of 18, have a permanent residence and a secure income, this project should not pose a major problem. It becomes a little more difficult if the income is very low or missing entirely.
The self-employed or freelancers usually find it very difficult to find a suitable Lite lender loan. This is also the reason why it is almost impossible for unemployed or reform recipients to obtain a Lite lender loan without Credit bureau and without creditworthiness. Contrary statements made by various credit intermediaries are dubious.
Alternatives to a Lite lender loan without Credit bureau and without creditworthiness
Those with poor credit ratings and negative Credit bureau information do not have to give up looking for a loan. For example, he could contact a reputable credit broker, a credit brokerage platform on the Internet or a person in his own circle of friends or acquaintances and present his concerns there. There is no 100% guarantee of credit brokerage here either. Nobody can afford to give money away and will therefore only grant credit to people who have proven to be trustworthy.
Reform recipients who have urgent funding needs may be able to get a loan from their local job center. The application would have to be submitted to the responsible service supervisor or the case manager and can only be approved if there is no other way out. Rental and energy debts, a broken washing machine, a broken television or a broken fridge would be good reasons that would justify a loan from the labor force.