If the credit rating is negative, the score shows the credit as a risk. Banks are only allowed, according to the law, to grant secure credit.
The associated comparison shows loans that are also possible in border areas. In order to make full use of the software, immediately submit a non-binding application.
The credit comparison then only shows suitable offers.
The car - the German favorite child is an integral part of everyday life. Often nothing works without a car.
The way to work is not possible, the self-employed worker cannot visit his customers or the self-employed taxi driver or driver has a problem without a car. Before banks agree to auto financing, however, they check the creditworthiness of their customers.
In addition to checking the income, this also includes asking the Schufa: If negative entries are noted, there will be no credit.
But not only the bad Schufa is a reason for exclusion, but also the insufficient income. If the creditworthiness is generally poor, the bank may not approve a loan.
If you plan to buy a car, you won't do it overnight. Usually, the purchase is preceded by a longer preparation time.
If you now know that the Schufa is car finance no credit check negative or the income is small, you should first check your income and expenses. The expenditure is compared with the income and in the best case results in a surplus.
Only then should car financing be tackled. It is also recommended to obtain information from the Schufa before car financing.
It has often happened that incorrect data has been entered in the Schufa. If this can be revised, the credit rating increases.
Free self-disclosure can be requested once a year. However, if the entries are correct, it can be seen that there can be a risk of default.
As a result, auto financing can only be realized via a risk loan despite the negative creditworthiness.