Loans that are requested from the bank usually require a processing time. On the one hand, the applicant has to collect all the documents and, on the other hand, the bank needs some time to check the information, to interview credit bureau and to process the application. These loans are not for people who need a quick and easy money. But there is also the possibility to get a loan without credit bureau and with instant confirmation.
If you need fast money, you should strive for a credit bureau-free loan that is offered mainly to Foreign banks. German borrowers also have access to these loans. In order to obtain such a credit, only a proof of income must be provided, showing that the job is permanent and the employee is not in the probationary period. Some banks assume that the applicant has been employed by one and the same employer for at least six months. Depending on the amount of income can then be the loan amount. The loan amounts can range between 1,000 and 50,000 euros. Civil servants can apply for higher loans because their employment is non-terminable.
Through the Internet, banking transactions in Switzerland can be settled in a short time. Borrowers can not apply directly for a loan in Switzerland. This always goes through a credit intermediary. The application can be completed via the Internet, then the proof of income is sent to the bank, and within a few hours the bank can issue a non-credit bureau loan with immediate effect.
The payment of such a loan without credit bureau with immediate promise can also be made within a few hours, so that the required money is available quickly. Since the credit bureau is not involved in the lending, also eliminates the entry of this loan. This is especially beneficial if only a small loan is needed.
Before applying for a non-credit bureau loan with instant pledge, applicants should keep in mind that this loan is subject to higher interest rates than a credit bureau loan, so for those who have no difficulty with credit bureau it is better to accept the waiting period. In addition, a loan without credit bureau will be issued with immediate confirmation from Switzerland without any advice from the bank. Therefore, the applicant itself must carefully consider whether the available income, after deducting all expenses, is really sufficient to repay a loan.