In our guide, everything revolves around the topic of credit despite schufa entry postbank. You will find out whether it is possible to take out a loan with postbank if you have a schufa entry. In addition, we show you how you can get a cheap loan despite a schufa entry.
1. Credit despite schufa entry postbank – important to know
Postbank is one of the largest credit institutions in germany and is particularly characterized by favorable credit conditions. No wonder, then, that the question is often asked whether you can get a loan from postbank even with a negative schufa entry. To answer this question, you should first know what a negative schufa entry is.
A negative schufa entry is a note that you have not met certain payment obligations. For example, you have taken out a loan in the past. But the loan was canceled by the bank because you could not pay the monthly loan installment on time. Another reason for a negative schufa entry can be the non-payment of a mobile phone contract. In addition, dunning procedures, affidavits and private insolvencies also lead to a negative entry in schufa.
Tip: if you are unsure whether you have a negative schufa entry, you can apply for a self-disclosure at schufa. In the self-disclosure you will find out what data schufa has stored about you. You can find more information about the schufa self-disclosure here .
Now that you know what a negative schufa entry is and how it comes about, we can turn to the question of whether postbank will grant a loan even with a negative schufa entry. For this you need to know that postbank carries out a credit check when granting a loan. More precisely, the postbank makes a schufa inquiry. If it turns out in the schufa query that you have a negative entry, unfortunately, no loan is possible. This is because postbank's credit guidelines prohibit granting a loan with a negative schufa entry.
By the way, this also applies to most other banks in germany. So it is not possible to get a loan with a negative schufa entry at the sparkasse, volksbank, commerzbank, targobank and many other credit institutions.
Fortunately for all concerned, there is still the possibility to obtain a favorable loan with a negative schufa entry. How this works exactly and what you should keep in mind, you will learn in the next section of our guide on the subject of credit despite schufa entry postbank.
2. Credit despite schufa entry postbank – alternatives
Unfortunately, it is not possible at postbank and many other banks to take out a loan with a negative schufa entry. Nevertheless, those affected have various options to fulfill their credit wishes. The first possibility for this offers the internet portal smava . Smava is germany's leading comparison portal for loans and you can get a loan at smava even if you have a negative schufa entry.
Of particular advantage is that smava performs a credit check before the individual loan offers are displayed to you. This ensures that the displayed credit offers are actually available to you. Of course, the credit check at smava is schufa-neutral and takes only a few seconds.
In contrast, most other comparison portals do without a credit check. As a result, a large number of the loans applied for are rejected. With smava this can not happen to you. Here you can reliably find the best loan offer and can fulfill your credit wish despite negative schufa entry.
Loan comparison from smava
100% free loan comparison
No rejection thanks to credit check
Same-day loan payment possible
Schufa-neutral and non-binding
Multiple test winner
The second option for a loan with a negative schufa entry offers auxmoney . Auxmoney is in our view the best option if you have a negative schufa entry and need a loan. This is because with auxmoney you can count on a loan approval even in very difficult cases. In addition, auxmoney convinces with a favorable interest rate from 2.8%.
The credit application is regulated at auxmoney very customer-friendly. First you specify the amount of credit you need and the purpose for which the money is intended. For example, you want to buy a new car, move or balance your current account. Once you have provided all the information, private lenders provide you with the required loan amount. In most cases, the required loan amount is reached within a few minutes and you will receive the loan within 24 hours to your current account.
As you can see, auxmoney is ideal if you have a negative schufa and need a loan. With auxmoney you can count on a loan approval even in very difficult cases and also benefit from favorable loan conditions. Last but not least, auxmoney convinces with a particularly fast loan disbursement. The fact that auxmoney is a very good choice is also confirmed by germany's largest customer rating portal with 4.8 out of 5 possible stars. Apply now for your loan at auxmoney and fulfill your loan request despite negative schufa today.
Credit from auxmoney
Lending even with negative schufa entry
Very favorable interest rate from 2.8
Loan amount of 1.000 EUR up to 50.000 EUR
Easy application and fast disbursement
Very high customer satisfaction
To the loan from auxmoney
3. Credit despite schufa entry postbank – conclusion
To conclude our guide, we summarize the most important information on the subject of credit despite schufa entry postbank again. Unfortunately, it is not possible to take out a loan with postbank if you have a negative schufa entry. Postbank's credit guidelines prohibit granting a loan if you have a negative schufa entry. This also applies to most other banks in germany. For example, it is not possible to take out a loan with a negative schufa entry at the sparkasse, volksbank, commerzbank, targobank and many other credit institutions.
If you have a negative schufa entry and need a loan, there are still several possibilities. On the one hand, you can use the free loan comparison of smava to find the best providers where you can take out a loan with a negative schufa entry. In addition, there is the possibility to apply for a loan at auxmoney. At auxmoney you can get a loan even in difficult cases and at favorable conditions.
We hope we were able to answer all your open questions with our guide. If you are still unclear, you can contact us at any time via our contact form. We are looking forward to your message and will answer your request as soon as possible.