The banks and savings banks generally require quite extensive documentation when granting loans in order to be able to assess the creditworthiness of the loan applicant. Nevertheless, a loan without a bank statement is possible.
Because the information provided by the bank statement can also be provided in other ways.
Apply for bank statements – informed quickly
- Not every bank requests statements for credit checks
- Compare yourself in the connected credit calculator via product details
- Check comfortably and quickly at what conditions you personally receive credit
- Apply for – right now – your online loan with instant confirmation
How is borrowing?
Loans are awarded thousands of times a day. Also loans without bank statements. The selection is large and the overview of the offer is therefore quickly lost.
Credit without bank statement – secure & convenient from the net
Fortunately, when applying for a loan, there are exact guidelines that are followed. So every interested party knows at least, which requirements he has to bring with him for borrowing.
As a rule, the banks look to the creditworthiness of the prospect. It shows exactly how the economic conditions of the borrower are presented and how high the credit risk is.
The lower the default risk, the better the chances of a cheap loan. The good credit rating must be documented by various documents.
On the one hand, the bank wants to find out about the income of the prospect. On the other hand, the issues are also interesting. Income and expenses must be matched in such a way that there is enough money to settle the loan debt.
Also exciting is the Credit Bureau of the prospect. Only if this presents itself positively, a borrowing is possible.
And how does this look in detail for a loan without bank statements?
Bank statements are an important source of information
For banks, bank statements are an important source of information. They show all income and expenses without having to study extensive documents.
This allows the credit check to be carried out quickly and effectively. A loan without bank statements is therefore less popular with the banks.
But there are some potential creditors who can not submit bank statements. The reasons can be different.
For example, a loan without bank statements could be requested if the bank statements were misplaced. The loan without bank statement would be possible even if the borrower is not at his place of residence, if he wants to take out the loan.
Therefore, he also has no access to his bank statements and therefore can not submit them. You are therefore looking for a credit without a bank statement, which comes from the same reputable source as all those loans for which bank statements have to be submitted.
To implement the loan without a bank statement into action, it requires a little negotiating skills. On top of that, there should be sufficient documentation, which will also prove without a bank statement, what income and expenditure the creditor has and what his general economic situation looks like.
Only then will the bank soften and agree to a loan without a bank statement.
Credit without bank statement – the preparation
The inclusion of a loan without bank statements should be well prepared. On the one hand, a bank must be found, which in addition to the bank statements and alternative documents for credit checks.
Alternative documents would be for example the employment contract, payslips, lease, insurance documents, documents on telephone contracts and so on. Lots of paper, which ultimately allows borrowing.
If all documents are together, the search can begin. It is recommended to use a comparison computer for the search.
He spares the individual queries of all banks. In addition, the comparison calculator leaves no traces in the Credit Bureau.
If you were to be asked directly at the bank, the bank would prepare an offer, which is always accompanied by a query from Credit Bureau. Doing this as a loan applicant several times in the shortest possible time, this can weaken the credit rating.
A loan without proof bank statements could quickly become an even more difficult task. As a rule, the selected offer can be ordered directly via the comparison calculator.
The computer automatically connects to the provider, with which all credit-related processes are then carried out.
Credit without bank statement – Allow a little time
A credit without proof bank statements is usually not an instant loan. The more extensive examination of the documents does not allow very fast processing.
Despite all this, the delay should not be too big. After all, the banks and savings banks are concentrating their examination on the key issues.
This would be the income and the Credit Bureau, and all expenses will be roughly rolled over. If the prospect has a positive Credit Bureau, there are no debts.
This means that the prospect can do very well with his earnings.
Credit without account statements – Our tip
Anyone who takes the loan without bank statements at the house bank saves a lot of trouble and a lot of paperwork. The house bank just has to take a look at the account of the prospect to assess their creditworthiness.
Extensive documents must therefore not be submitted. As a rule, the desired credit without bank statements is available within a few hours.
Either by a transfer of the money to the account or by a cash payment. Depending on where the house bank is based and what opportunities arise from it.