Skip to main content

Kredit auch in schwierigen Fällen in Österreich – 3 Möglichkeiten

In verschiedenen Lebenssituationen benötigt man finanzielle Unterstützung. Kredite können dafür die perfekte Lösung sein. Schwierig wird es aber, falls die Banken den Antrag ablehnen. Egal ob man von Rechnungen überrascht wird, das Studium doch länger dauert als geplant oder der Arbeitgeber unerwartet Insolvenz anmeldet. Es gibt viele Fälle, in denen plötzlich schnell Geld benötigt wird. Die Lebenssituation und Bonität spielen bei der Kreditvergabe die wichtigste Rolle. Pensioners, trainees and the unemployed are often seen as difficult cases. Ein KSV Eintrag oder eine schlechte Bonität erschweren auch das Vorhaben. Dennoch ist es nicht unmöglich, einen Kredit auch in solchen schwierigen Fällen in Österreich to be obtained.

Unsere Empfehlung bei schlechter Bonität:
Empfohlen: TF Bank Mastercard Gold

? Zinsfrei einkaufen und erst bis zu 51 Tage später bezahlen
? Flexible Ratenzahlung
? Kostenlos inkludierte Reiseversicherung



4,6 Sterne bei Trustpilot aus über 414 Bewertungen


>> TF Bank jetzt besuchen >>


Sofort nach Aktivierung Geld zur Verfügung


Als Kredit stehen auch in schwierigen Fällen in Österreich hauptsächlich Mini loans oder spezielle Credit cards zur Verfügung. In diesem Artikel erfährst du alles Wichtige, was du über die Kreditvergabe in schwierigen Fällen in Österreich 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.

Kredit in schwierigen Fällen in Österreich erhalten– Unsere 3 Möglichkeiten

1. TF Bank Kreditkarte – Kredit in schwierigen Fällen in Österreich erhalten

Trustpilot: 4,6 Sterne aus über 414 Bewertungen

With TF Bank credit card you can borrow money for free up to 51 days. At the beginning you have about 1,000 ? at your disposal. Depending on your creditworthiness, this can be a little more or less. If you pay your installments on time, TF Bank will increase your card limit in the second and third month. On top of that, you get free travel insurance abroad.

Advantages of TF MasterCard Gold

  • Interest-free purchases up to 51 days
  • Up to 10.000 ? in loans possible
  • Automatic increase of the credit line, in case of timely repayment
  • Free travel insurance
  • No opening fee and no annual fee
  • No foreign currency fee abroad
  • Application possible with medium credit rating
  • Contactless payment through NFC chip

Disadvantages of TF MasterCard Gold

In addition to the numerous advantages, the TF Bank credit card also has some disadvantages that allow unproblematic use only well-organized people:

  • No direct debit of the open balance
  • High interest rate for installment payment after 51 days
  • Cash withdrawals must be paid by the 20th of the month, later payments lead to high costs.
  • No app
  • Desired PIN not possible
  • No support for Google Pay or Apple Pay possible
Besuche die TF Bank

2. Advanzia Kreditkarte – Kredit in schwierigen Fällen in Österreich erhalten

Trustpilot: 4,5 Sterne aus über 13.100 Bewertungen

At Advanzia free you have to pay your expenses only 7 weeks later. Thus, the delayed repayment date gives you a interest-free loan of up to 1,500 ?, was als Alternative zum Minikredit in Österreich genutzt werden kann. Wie beim Cashper Minikredit ist für die Advanzia Free Card keine ausgezeichnete Bonität erforderlich. Wenn du einen negativen KSV Eintrag hast, kannst du die  Advanzia free Card trotzdem bewilligt bekommen. Dennoch wird der Cashper Kredit in schwierigen Fällen eher vergeben, als die Advanzia Karte.

Advantages of Advanzia Free

  • Free credit card without annual fee
  • In addition, up to 1.500 Euro Credit line possible
  • Thereby you get an up to 7 weeks interest free loan due to delayed repayment.
    • Credit card transactions do not have to be settled until the end of the month after next. If you buy something with the Advanzia free Card at the end of the month, you have a free loan of about 7-8 weeks.
  • Also with poor creditworthiness and despite negative KSV entry possible under certain circumstances (approval is Cashper, more unproblematic)
  • Nevertheless, an application Without a permanent job possible
  • and a Part payment option (optional) is also available
  • Furthermore you can welwide free cash withdrawal
  • and receive a Free travel insurance on top

Advanzia Free disadvantages

  • Disposal limit only low at the beginning
  • At least medium credit rating is a prerequisite for approval
  • No payment by direct debit, so disciplined handling necessary: You have to pay the invoice by bank transfer from your specified billing account. You will receive the invoice by mail at the beginning of the month. I recommend a note in the calendar and strict discipline.
Besuche Advanzia

3. Cashper Minikredit – Kredit in schwierigen Fällen in Österreich erhalten

eKomi: 4,7 Sterne aus über 2.500 Bewertungen

Bis 600 ? Kreditsumme kannst du auch in schwierigen Fällen kostenlos über Cashper Geld leihen. Cashper ist einer der bekanntesten Anbieter von Minikrediten in Österreich. Und das nicht ohne Grund, denn das Angebot kostenlos Geld zu leihen ist einmalig.

  • Mit einem Minikredit von Cahsper wird Geld leihen auch in schwierigen Fällen in Österreich möglich. Einfach bis 1.500 ? trotz negativem KSV Eintrag und schlechter Bonität leihen!
  • For trainees, students, unemployed, pensioners, self-employed and workers in probationary period
  • Cashper ist günstig (bis 600 ? Kredit sogar kostenlos), zahlt schnell und vergibt trotz KSV Einträgen Kredite an Österreicher!
  • Bridge 15, 30 or 60 days with a mini loan
  • 100 - 1.500 ? become even in difficult cases immediately transferred to the account

Advantages cashper mini loan in Austria

  • Small amounts up to 600 ? can be borrowed for 30 days free of charge
  • Approval in case of poor creditworthiness and negative KSV characteristics
  • Lower interest rates than the alternatives via credit card
  • Request Without a permanent job possible
  • Only 700 ? minimum income required, every other bank refuses long ago

Disadvantages Cashper mini loan in Austria

  • Special options such as instant payout and 2 installment option are very costly.
Besuche Cashper

 

Kreditprüfung: Eine unüberwindbare Hürde bei den meisten Banken wenn der Kredit auch in schwierigen Fällen in Österreich vergeben werden soll

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 Kreditkarte* als Alternative zum Cashper Minikredit in Österreich
Das Angbot der TF Bank ähnelt dem der Advanzia in vielen Punkten. Du erhältst ebenfalls eine Kreditkarte bei mittlerer Bonität. Der Kreditrahmen kann bis zu 10.000 ? betragen. Kann man bei 10.000 ? überhaupt noch von einer alternative für einen Minikredit sprechen? Sei es drum: Die meisten Kunden mit mittlerer Bonität werden vermutlich um die 1.000 ? erhalten, weshalb das ohnehin nicht relevant ist. Der Kreditrahmen wird dir für bis zu 51 Tage kostenlos zur Verfügung gestellt. Nach dessen Ablauf ist aber eiserne Disziplin notwendig um nicht in die Schuldenfalle zu geraten, denn alle Rechnungen müssen ohne Lastschrift händisch überwiesen werden. Beim Verzug drohen sehr hohe Zinsen.

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

Fortunately, today there are many providers who grant a loan immediately and without a credit check. The so-called Instant loans are easy to apply for with a positive credit rating and are usually granted without any problems. Getting an instant approval without a credit rating is extremely difficult in Austria, but not impossible. One possibility is, for example, the small loan from cashper.at*. There you can take out a loan of up to 1,500 ? even in difficult cases. The operators of cashper.at have only one condition: They must trust the borrower that he can also repay the loan. Therefore, the applicant must be at least 21 years old, have permanent residence in Austria and earn at least 700 ?

A KSV query is performed, but the rejection criteria are significantly lower than with banks. In addition, the interest rates are not as high as with private providers. Therefore, cashper.at represents a good middle ground between low-cost banks and simple private providers.

However, in the case of loans without credit rating, you need to pay attention to some factors. The risk of the lender is very high. Therefore, often overpriced conditions are required. With a Loan with instant approval without credit rating you have to be aware that higher interest rates will be charged. Reputable providers will not grant loans without creditworthiness anyway, as the risk then becomes incalculable. It's best to stay away from these offers, because it can happen that you only have to pay fees without ending up with a credit to be obtained. 

In the case of loans despite negative KSV, one must beware of dubious offers. If the lender demands a high advance payment because of the bad credit rating, alarm bells should ring.

Loans in very difficult cases

Wenn man für die Banken als schwieriger Fall gilt, das private Umfeld keinen Kredit ermöglichen kann und auch ein Minikredit 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. Zum Beispiel, nachdem man sowohl bei der TF-Bank* als auch bei Cashper* bereits abgelehnt wurde.


*Affiliate Link: If you go through one of these links from my website to a provider, I may receive a commission. There will be no additional costs for you. For the use of these links a ?? HEARTFELT THANK YOU! ??