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In various life situations, one needs financial support. Loans can be the perfect solution for this. However, it becomes difficult if the banks reject the application. It doesn't matter if you are surprised by bills, your studies take longer than planned or your employer unexpectedly declares insolvency. There are many cases in which money is suddenly needed quickly. The life situation and creditworthiness play the most important role when granting a loan. Pensioners, trainees and the unemployed are often seen as difficult cases. A KSV entry or a bad credit rating also complicate the project. Nevertheless, it is not impossible to find a Credit in difficult cases to receive. In this article you will learn everything you need to know about the Lending in difficult cases in Austria need to know.

When is it difficult to get a loan in Austria?

Many criteria must be met in order to obtain a loan in Austria. For trainees, students, the unemployed, pensioners, the self-employed and workers on probation, it is difficult from the outset. Next, the loan amount plays a decisive role. A trainee with, say, 700 ? net income will not get a loan from providers such as Cashper* easily obtain a loan of 1,000 ? 1,500 ? However, for large sums, most applications are rejected. Further problems have students and pupils. Without a scholarship, they often do not earn money. Fortunately, there are several institutions that still allows learners to get a loan.

Credit in difficult cases needed in Austria?

A mini loan makes it possible:
Simply borrow up to 1,500 ? despite negative KSV entry and poor credit rating!

For trainees, students, unemployed, pensioners, self-employed and workers in probationary period

We recommend Cashper.
The provider is cheap, pays quickly and gives loans to Austrians despite KSV entries!

Bridge 15, 30 or 60 days with a mini loan

100 - 1.500 ? become even in difficult cases immediately transferred to the account

Loans totz KSV in difficult cases from Cashper

Visit Cashper*

 

 

Another aspect is the general evaluation criteria. Before a bank grants a loan, the applicant is thoroughly checked. Proof of income is already a hurdle for many. The loan installment must be secured by regular salary. Also the sum must fit to the income of the borrower. Those who cannot afford the loan at all will not get it. In difficult cases, a Guarantee by third parties. Furthermore, collateral such as cars, real estate, shares or insurance policies can have a positive effect on the credit rating.

Advanzia credit card as an alternative to Cashper mini loan in Austria

The Advanzia Credit Card Free is cheaper for amounts above 600 ? and therefore preferable to Cashper Minikredit: If you pay all installments on time, the Advanzia card gives you a free loan for up to 7 weeks. That a very good Alternative to Cashper loan. The Cashper mini loan for Austria on the other hand, is still unbeatable for loan amounts below 600 ? You should note that Advanzia rejects people with poor creditworthiness, which is Cashper does not make.

TF Bank credit card as an alternative to Cashper mini loan in Austria

The offer of the TF Bank is similar to that of Advanzia in many respects. You also get a credit card with a medium credit rating. The credit line can be up to 10,000 ? Can you even talk about an alternative for a mini-credit at 10,000 ? Be that as it may, most customers with a medium credit rating will probably receive around 1,000 ? which is why this is not relevant anyway. The credit line is provided free of charge for up to 51 days. After its expiration, however, iron discipline is necessary in order not to fall into the debt trap, because all bills must be transferred manually without direct debit. In case of default, very high interest rates may be charged.

What does the credit protection association do? 

Since 1870, the Credit Protection Association for security in the financial world. The organization can be compared with the German ?Schutzgemeinschaft für allgemeine Kreditsicherung? (SCHUFA) and the Swiss ?Central office for credit information? (ZEK) can be compared. The credit protection association maintains an immense database of creditworthiness data. It collects data not only on private individuals but also on companies, thus ensuring transparency. A KSV entry provides information about the past payment history of the person or company.

How to get a KSV entry? 

With a negative KSV entry it is already more difficult to get a loan. There are many reasons how to get a negative entry:

  • Insolvency proceedings
  • Seizure or foreclosure
  • Card misuse
  • Unpaid reminders
  • Regularly overdrawn current account

These entries count as difficult cases beed in granting loans. As soon as there is a risk for the banks, they reject the application. At the same time, every bank in Austria performs a KSV query before approving a loan. Therefore, with a negative KSV record, one will not get a loan from a bank in Austria. Nevertheless, as a difficult case, one has other options.

4 ways to get a loan in difficult cases despite KSV entry

Private loans

Private loans can help the person out of a jam, as they are often obtained despite the KSV entry. Therefore, in this case, you should first ask family and friends for support. Since these loans are given on a basis of trust, the credit rating and thus also a KSV entry do not play a role.

With a  Credit without KSV entry the KSV is not queried. You only have to be able to prove that you can pay the loan installment.

Credit applications without KSV are usually only approved by foreign banks. A negative KSV entry does not have to have a negative impact directly. A credit check can be positive despite a KSV entry if, for example, past loans were always paid on time. Furthermore, not all negative KSV entries are relevant for the granting of the loan. For example, if you have a bad KSV score due to numerous credit cards, you will also get a loan from Austrian banks. Provided that you have always paid all debts on time.

Suppliers like Cashper* are a good alternative to loans without KSV entry from Switzerland due to the lower costs and short terms.

Difficult special case: obtaining loans despite unemployment

Unemployment often comes as a surprise and can affect anyone. Decisive for the granting of a loan is on the one hand the duration of unemployment and on the other hand the relationship with the lender. Since in this difficult case the bank must issue a loan on a basis of trust, you should first try your own house bank. The chance is much higher with the house bank, because it has already collected important information about the borrower for years. If there have been no payment problems in the past, nothing should stand in the way of the loan being granted.

Nevertheless, these loans can be rejected in very difficult cases. There are then not many alternatives left. Next, you should definitely ask your private environment. If this option also falls away, there still remains the loan from providers such as Cashper*. With this provider, taking out a loan is possible from an income of 700 ? Unemployment benefits from AMS also count as income.

Self-employed count as difficult cases when it comes to granting credit

There are many risks behind self-employment. External influences such as unpaid bills or extended projects can cause bottlenecks. Many banks have an offer for self-employed borrowers. Nevertheless, it often fails because of liquidity. The following four criteria facilitate borrowing for the self-employed:

  • Company exists longer than 24 months
  • Collateral such as real estate, insurance or property (e.g. machinery)
  • Profits in recent years
  • No insolvency applications and KSV entries

Instant credit without credit rating in Austria

Glücklicherweise gibt es heute viele Anbieter, die einen Kredit sofort und ohne Bonitätsprüfung vergeben. Die sogenannten Instant loans sind mit einer positiven Bonitätsbewertung einfach zu beantragen und werden meist auch ohne Probleme vergeben. Eine Sofortzusage ohne Bonität zu erhalten ist in Österreich äußerst schwierig, aber nicht unmöglich. Eine Möglichkeit ist zum Beispiel der Kleinkredit von cashper.at*. Dort kann man auch in schwierigen Fällen einen Kredit von bis zu 1.500 ? aufnehmen. Die Betreiber von cashper.at haben nur eine Bedingung: Sie müssen dem Kreditnehmer zutrauen, dass er den Kredit auch zurückzahlen kann. Daher muss der Antragsteller mindestens 21 Jahre alt sein, den festen Wohnsitz in Österreich haben und mindestens 700 ? verdienen.

Eine KSV Abfrage wird durchgeführt, jedoch sind die Ablehnungskriterien deutlich niedriger als bei Banken. Zusätzlich sind die Zinsen nicht so hoch wie bei privaten Anbietern. Deshalb stellt cashper.at einen guten Mittelweg zwischen günstigen Banken und einfachen Privatanbietern dar.

Bei Krediten ohne Bonität muss man jedoch auf einige Faktoren achten. Das Risiko des Kreditgebers ist sehr hoch. Daher werden oftmals überteuerte Konditionen verlangt. Bei einem Kredit mit Sofortzusage ohne Bonität muss man sich im Klaren sein, dass höhere Zinsen verlangt werden. Seröse Anbieter werden ohne Bonität ohnehin keine Kredite vergeben, da das Risiko dann unkalkulierbar wird. Am Besten nimmst du Abstand von diesen Angeboten, da es passieren kann dass du nur Gebühren zahlen musst ohne am Ende einen Kredit to be obtained. 

Bei Krediten trotz negativer KSV muss man sich vor unseriösen Angeboten in Acht nehmen. Wenn der Kreditgeber wegen der schlechten Bonität eine hohe Vorauszahlung verlangt, sollten die Alarmglocken schellen.

Kredite in sehr schwierigen Fällen

Wenn man für die Banken als schwieriger Fall gilt, das private Umfeld keinen Kredit ermöglichen kann und auch ein Kleinkredit nicht mehr ausreicht, hat man ein schwerwiegendes Problem und kaum noch Möglichkeiten. In diesem Fall muss man sich fragen, ob man die Kreditrate wirklich stemmen kann und ob eine andere Lösung nicht besser ist. Sollte man dennoch einen Kredit benötigen, können Kreditgeber im Ausland behilflich sein. Der Kreditschutzverband hat kein Mitspracherecht bei Kreditvergaben im Ausland. Beispielsweise kann man sich bei ausreichender Zahlungsfähigkeit in der Schweiz einen Kredit einholen. Ohne Zahlungsfähigkeit ist es dort jedoch auch aussichtslos. Die Schweizer Kredite sind meist teuer und mit hohen Zinssätzen verbunden. Deshalb sollte man diese Option nur bei sehr schwierigen Fällen in Betracht ziehen.

Credit in difficult cases needed in Austria?

A mini loan makes it possible:
Simply borrow up to 1,500 ? despite negative KSV entry and poor credit rating!

For trainees, students, unemployed, pensioners, self-employed and workers in probationary period

We recommend Cashper.
The provider is cheap, pays quickly and gives loans to Austrians despite KSV entries!

Bridge 15, 30 or 60 days with a mini loan

100 - 1.500 ? become even in difficult cases immediately transferred to the account

Loans totz KSV in difficult cases from Cashper

Visit Cashper*

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