Recognize dubious loan offers from credit providers, credit scammers & rip-offs

How can I detect bad credit offers from credit providers?

For prospective customers, a wealth of different credit options opens up. In fact, there is a risk of opting for a dubious loan offer. This can result in a borrower closing a loan on overpriced terms or making payments in reliance on the intended loan agreement, without ever being able to post a receipt of the loan amount. To avoid these negative consequences, every loan seeker should check the considered credit options for their seriousness. There are a few features that indicate dubious credit offers:

Loans without credit bureau – beware rip-off!

Loans without credit bureau - beware rip-off!

The collection of credit bureau information is used in the credit market to analyze the creditworthiness of potential borrowers. Loans without a credit bureau therefore seem to be the ideal financing option for those with suboptimal credit ratings. In the market segment of loans without credit bureau, however, the frequency of doubtful offers is particularly high.

Promising loan offerings that promise low interest rates, favorable credit conditions and a high probability of success even with bad credit often hide fraudulent business practices. Credits advertised as cost-effective can turn out to be mere bogus offers or lock-offers, which are either not feasible at all or can only be implemented if the borrower undertakes to pay usurious interest. Such offers can be found if you have searched the Internet for a loan shark.

Waiver of proof of income

Waiver of proof of income

In those cases in which a loan without credit bureau is made possible, reputable credit providers as well as a traditional loan require a regulated income situation as a basic condition for the conclusion of the contract.

If loans are promised without proof of income and / or collateral, these are questionable offers. Because of the risk of default, no lender is prepared to pay off a loan amount without first obtaining proof of the creditworthiness of the debtor.

Depending on the nature of the income, proof of salary, payslip, pensions, income tax receipts or receipts / receipts invoices in connection with current bank statements are required for each loan outside the family and circle of friends.

Expensive fees before receiving the loan

Expensive fees before receiving the loan

An unmistakable sign of lack of respectability results from the levying of fees before receiving the loan (credit with pre-financing). This concerns, for example, the clearing of a provision of credit agencies, which, from a legal point of view, can only be made as a performance-related remuneration after the loan has been paid out to the borrower, but not in advance of the brokerage activity.

Dubious credit agencies often charge large amounts for various expenses in addition to the commission, which are practically incomprehensible. In addition, borrowers should exclude those providers as contracting parties, which offer a comparative comparison of different loan conditions and a processing of credit requests only for a fee. The same applies in the case of the fee-based sending of the loan agreement documents by cash on delivery to the borrower.

Expensive consulting services and insufficient contact options

Expensive consulting services and insufficient contact options

Paid home visits eg from a so-called loan shark with borrowers are not part of the normal course of a loan settlement. Nor is it appropriate to make the granting of the loan conditional upon the signing of costly insurance, club membership and consulting assignments by the borrower.

If a borrower has to use expensive service hotlines when asking the credit intermediary, the loan offer has a dubious connotation. Credit providers who provide their credit customers on the homepage no or only inadequate contact information, should generally be avoided.

If there is no verifiable information about a domicile in Germany and an entry of the provider in the commercial register is missing, it is absolutely essential to conclude a contract.

Summary – you should be careful about the following loan offers:

Summary - you should be careful about the following loan offers:

  1. The lender requires pre-charge
  2. The lender demands additional insurance coverage
  3. The loan provider does not require proof of income and / or collateral
  4. Credit intermediary would like to make a paid home visit with you
  5. Read the fine print and pay attention to hidden costs
  6. Do not fall for the lock offers in loan comparisons, because for the amount of the loan interest, the creditworthiness of the loan applicant is usually decisive

To warn other borrowers about dubious loan offers, share your experience with the scams of credit scammers and scammers

Find cheap reputable credit. Simply start a credit comparison online:

Where can I find serious donors?

If you are in dire straits and have been looking for an honest, reliable private lender, it is best to turn to lending platforms where money is given directly from private to individual. For platforms such as auxmoney, you can submit a loan request for a maximum of $ 50,000. Private money lenders from Berlin, Hamburg, Hanover, Cologne, Munich, Frankfurt am Main, Nuremberg and many other German cities, lend in these portals credit from private to private.

Credit from Poland – mini-loans without credit bureau from the Internet as an alternative

When it comes to financing, the creditworthiness of the borrower plays a crucial role. This is not always enough to find a suitable loan offer within Germany. The view then goes towards neighboring countries, where financing is offered, which can also work with a slightly weaker credit rating. The loan from Poland is a product that has recently been on the market.

Are you looking for a credit bureau-free loan from abroad? We have the solution. Free application – no pre-costs and obligations. Fast transfer and processing.

Poland – a country for cheap credit?

Poland - a country for cheap credit?

Anyone who financially has a bottleneck has to rely on a fast and professional help. No matter if there is a necessary purchase in the room or an opportunity that you do not want to miss. Or perhaps the account should be balanced and urgent bills paid. Normally, as a borrower, you then either turn to the house bank or another bank that is active in Germany and holds loans in a wide range of variants.

The possibility is then to increase the collection or to apply for a classic consumer credit. Since there are now many online loan offers, this is relatively easy and cheap loan terms are waiting for most consumers.

But what to do if these cheap offers can not be used because the credit rating and thus the creditworthiness is not given? Then a loan from Poland could be the solution to all problems. Whatever the motivation, looking over the country’s borders can make sense, but at the same time should not be associated with too great expectations. Because who is interested in a loan from Poland, must pay a lot.

The credit from Poland – without credit information is not

The credit from Poland - without credit information is not

If a loan is to be applied for in Poland , it must always be possible to prove first that the borrower can afford the loan as well. It is important to have a comprehensive credit check so that the potential lender can risk-classifying the borrower.

The lower the lending risk, the better the loan offerings and the better the conditions that can be found around the offer. If there is a high risk of lending, so that a payment default must be expected, the conditions for the loan deteriorate and it may happen that no loan offer is made at all. Therefore, potential investors always check in advance how high the risk of default is and whether a loan can be granted with a clear conscience.

Economic data are examined, inter alia, by the inquiry of credit bureau. The loan prospective not only has to submit proof of income and bank statements, but here in Germany also allow a query of credit bureau. However, anyone who has serious negative characteristics in credit bureau will generally not receive credit in Germany. The same often applies to people who already have financing or who have a slightly lower income and can therefore become a problem.

Also with a credit from Poland the creditworthiness of the credit prospective customer is examined. The lender simply refrains from interrogating the credit bureau. The borrower must therefore be able to score with his proof of income and bank statements as well as additional collateral. He must be able to prove on the basis of his personal and economic situation that he is a good borrower. Then a loan from Poland can be a good option to bridge a financial bottleneck and get solid funding.

It is important that the prospect is willing to overcome the hurdles for a foreign loan, in this case a loan from Poland.

Only small loan amounts are possible with a loan from Poland without credit bureau

Only small loan amounts are possible with a loan from Poland without credit bureau

Micro loans, mini loans from Poland have been offered for several years now. They have a maximum volume of 1500 €. For these loans, the credit bureau is not queried. A credit check can also be made, for example, at Creditreform. It stores negative features that indicate, for example, enforcement titles or personal bankruptcies, as well as affidavits and arrest warrants. In such cases, it is generally not possible to receive a mini loan without credit bureau. No matter who was selected as the contact for the loan in advance.

For a small loan from Poland, it may not be possible to ask the credit bureau. Nevertheless, the Polish banks are obliged to conduct comprehensive credit checks before granting a loan. Even if it is a foreign loan. In addition, Polish banks usually have access to information files, such as Creditreform. Because these information files now also offer their services internationally.

Is there an affidavit, is there an enforcement order or an arrest warrant or is the creditor in the middle of a bankruptcy, even in Poland a loan is unfortunately not possible. In most cases, a very small loan amount can be raised by adding a guarantor in Poland under such conditions. Because with these small loan amounts are not so strict rules when it comes to the examination of creditworthiness.

In addition, there are numerous private donors in Poland, which may also refrain from querying the entries in an information file. The problem is, however, that such loans are usually paid not in USD, but in Polish zloty. In addition, they must also be paid back in Polish zloty.

When converting money from zloty into USD and back, additional fees will be charged. In addition, these private investors also demand higher interest rates than is the case with banks and savings banks.

Credit from Poland without credit check?

Credit from Poland without credit check?

If a sufficient credit check is not made, the interest rates are likely to be very high. In addition, a corresponding installment payment may be required for the payment. There is also the currency risk. The zloty is not one of the major currencies, but one of the currencies, which sometimes have larger fluctuations.

So it may be that the supposed advantage of taking out a loan in Poland quickly turns into the opposite. High interest rates, unfavorable exchange rates and always the risk that the loan may be over-indebted must be budgeted for.

The advantage of a loan from Poland

The advantage of a loan from Poland

However, a loan from Poland also has advantages. On the one hand, he provides funding if it is not awarded in Germany due to a weak creditworthiness. On the other hand, such a loan can be conveniently requested online. So there is no need to travel to Poland, but the application via the Internet is readily possible.

If you apply for a loan from a major player in Poland, the contract documents will be translated into German. There are also a number of German providers who work with Polish banks and intermediaries to help them apply for the loan. Here it is important to look at the German providers exactly who hides behind the offers and how these offers are classified.

Despite everything, a loan from Poland must be considered carefully. On the one hand, only small amounts of credit are possible, on the other hand, the foreign currency, the possible high interest rates and the fact that a loan can only be taken if it can be repaid, must not be hidden.

Our conclusion

Our conclusion

Loans from Poland are an alternative if credit can not be taken up by a weak creditworthiness within Germany. But they should not be the first choice, as they often have higher interest rates and unfavorable other conditions. For larger loan amounts, borrowers will also have to go through a credit check on a loan from Poland.

For smaller loan amounts, which come from private investors, is sometimes waived an extensive credit check. There are higher fees there. 

Credit for plastic surgery – finance beauty treatments

Where is there credit for cosmetic surgery?

Where is there credit for cosmetic surgery?

Financing Cosmetic Treatments – Why Choose?

Not only women but also more and more men opt for plastic surgery for various reasons. These sometimes very expensive treatments are usually not covered by the general health insurance. The affected people often have to raise their own money for the treatment. However, not everyone shakes the money so easily – in many places even loans have to be taken in order to satisfy the desire for individual beauty.

Especially young women and young men increasingly resort to this possibility. Whether nose surgery or liposuction – breast augmentation or skin tightening – we have examined all the usual financing options for debt financing of cosmetic surgery for you and would like to examine different procedures for you. In the following section you will find out where such loans can currently be obtained on very good terms.

Which credit products are eligible for a cosmetic surgery

Which credit products are eligible for a cosmetic surgery

In this case, above all, use-free loans, ie loans, which the borrower has freely available for individual purposes. Particularly relevant in this context are loans from banks. Of course, you can contact your own bank or take advantage of offers from direct or online banks as well as special offers in the field of plastic surgery loans. Loans of this kind are freely available to the borrower – meaning that their subsequent use need not be specified or proven when borrowing. However, as a rule, such a loan is only given to borrowers with a good to very good credit rating – there are also some providers who approve the loans without credit bureau information. The best loans in the current market can be experienced by interested parties in an independent comparison. Here the best offers and their conditions are clearly listed. As a rule, loans for plastic surgery are slightly more expensive than, for example, construction loans, but these are also very inexpensive owing to the current low interest rate, owing to the EB’s low key interest rate policy. A comparison on the net is currently worth it.

Another possibility for borrowing is the Beauty Clinic itself – in addition to the treatments, many clinics now also offer borrowing to finance individual treatments in the clinic. What is necessary, however – more than with the bank loans – a perfect credit bureau and a safe and proportionate income. If this is not guaranteed, collateral such as life insurance or real estate may be provided.

Cost of cosmetic surgery in the current review – what costs where, how much and why should you rather keep your hands off?

Cost of cosmetic surgery in the current review - what costs where, how much and why should you rather keep your hands off?

Breast enlargement usually costs between 4,500 and 7,000 usd for German medical specialists, depending on the size of the implants and the number of treatments – treatments that have already been performed multiple times usually cost more than initial treatment. In principle, it should be said that treatments in specialized practices are sometimes cheaper than treatments in special clinics. Even cheaper deals from 2,000 to 3,000 usd are usually from flimsy beauty clinics from abroad – primarily in Eastern Europe. Due to the lower hygiene standards and the lower training quota of physicians, however, there is no urgent need to discourage treatment there – and the health insurance companies will not pay any additional costs in the event of damage. The same applies to liposuction. Here, the patient in Germany between 1,500 and 6,000 usd here – tummy tucks are usually the cheapest treatments of this kind. Again, it is not recommended against cheap treatment abroad, as their risks are unpredictable. A professional beauty surgery such as the breast surgery, nose surgery, eye lasers or liposuction costs in Germany now a lot of money.

From the health insurance companies patients from cosmetic surgery sometimes get little or no support. Treatments are only partly or completely taken over as soon as a medical reason – for example, a psychological suffering due to certain physical characteristics – can be proven. In some cases, post-treatments have to be worn.

Conclusion

For a beauty surgery there is no special surgical loan. But on the internet you will find loan offers where no use gszweck for the required money is required. So you can use this loan for all kinds of beauty surgeries. To find such a cheap loan for a plastic surgery, you should do an online loan comparison. When comparing credit, all you need to do is enter the loan amount and the term and then you will see favorable financing options. If you have chosen an offer and your loan request has been approved by the bank, you will soon be looking forward to receiving your money for the beauty surgery. Another option is to obtain financing for operations through a credit marketplace for private lending. In these online platforms, private lenders lend money to other individuals. More and more people are using the money to borrow privately, because a private loan is unbureaucratic, so without much paperwork, easier to get.