Loan seeker must contact a credit intermediary
Swiss credit is a way for borrowers to get a small loan without credit bureau request. As the name implies, Swiss loans are loans from Swiss bank houses, but are not directly applied for by the loan seeker. In order to get a Swiss loan, the loan seeker must contact a credit intermediary, because only through this is the loan mediated. For the first contact is the Internet. The loans from Switzerland are instant loans with a maximum amount of 4,000 USD, which run for a maximum of four years. Swiss banks do not get credit bureau, which is why the loans are so popular with people whose credit bureau is negative and who do not get any loans from German banks for this reason. But Swiss banks are also protecting themselves. For this reason, Swiss loans are generally only granted to employees and civil servants who are employed on a permanent basis and who have completed the probationary period.
Fixed-term contracts are not taken into account
Employees who are employed by temporary employment agencies and those who only have fixed-term contracts are not taken into account. The income from this activity must also be so high that it is significantly above the seizure allowance. Young men have to prove that they have already completed military service or that they are exempted accordingly. The Swiss banks also have no money to give away and therefore the issue of these instant loans is subject to restrictive conditions. Loan seekers from Germany with a negative credit bureau and no regular income have as little chance at Swiss banks as at German credit institutions.
The current loan is not reported to credit bureau
The Swiss loan is a popular credit option for civil servants, because the current loan is not reported to credit bureau and, as is well known, when taking out a civil servant loan, civil servants must discharge all existing obligations, at least those that can be seen in credit bureau. An instant loan from Switzerland can be a welcome side loan. Processing at the credit intermediaries is quick, and the loan can usually be applied for directly online. If the income situation is in order and there are no other credit obligations in Switzerland, the loan amount is paid out promptly. The rates are then around 100 USD per month.