You need a larger sum of money, but recently received a reminder. Is it still possible for you to get a loan despite dunning notice? What do you have to do to get a loan despite a reminder?
You can get a loan despite a reminder, if you put the loan application together with a solvent guarantor. But even if it has been noted in the credit that the reminder has already done, then you can get a loan despite a reminder, if you can prove a good credit rating.
What do you have to consider when applying for a loan despite a dunning notice?
Normally it is difficult as an applicant, when the reminder was registered in the credit, to get a loan approved. Often you have in this situation, no permanent employment and earn little money, so you get no credit. If you do not get a loan from any German bank, then you can turn to a credit intermediary. But this step only makes sense if you have a permanent position and have an attachable income.
What else can you do?
If you have a dunning notice, which is registered in the credit, it is advantageous if you settle the claims and that from the credit entry a completion note is added. Because in this way you can increase your credit rating significantly.
But if you need a loan right away, then you should actually seek out a credit intermediary, which also works with German banks and is willing to accept higher risks and also to deal with borrowers with negative credit. In principle, it is always advantageous if you settle all outstanding claims, so that it does not come to a negative entry in the credit. This makes it much easier to apply for a loan from a bank.
Loan from online
Also online you can find many different offers to get a loan despite a reminder. But online there are numerous offers with many different conditions as well as advantages and disadvantages. Therefore it is worthwhile to compare. One should, before deciding on an offer, make sure that the conditions are acceptable. Because there are also many offers, where you have to pay an agency fee, so you have to watch what offer you decide.
Another advantage of online credit is that you can apply for it from the comfort of your own home without having to contact a bank or a credit intermediary. Especially if you want to apply for a loan despite a reminder, then you are on the Internet in the right place, because here the application is made quickly and easily. Here you have the best chances, even in difficult cases.
Furthermore, there is also the possibility to apply for a loan abroad. Because even in other European countries, no credit or their entries, so you can get in this way by credit intermediaries abroad to get a loan.
In general, you have to look at all options and think about which would be the right one, because there are big differences in terms of cost. Therefore, you should take enough time and compare the individual offers.