Credit despite running loan

This has certainly happened to many consumers as well: Just recently, they took out a loan and now, of all things, the car breaks down. A repair is not worth it anymore and it has to be a new one. But what if there is no money for it? Is there a loan to buy a car in spite of running credit?

What is the creditworthiness?

What is the creditworthiness?

The problem is not just with the car. This is just one example of a situation that happens frequently. Now the question arises whether a loan is possible despite running credit. First, the bank advisor will examine the financial situation during a personal conversation. Has something sustainable changed? In the meantime, the borrower has become unemployed and the installment loan installments have always been paid on time.

If all is well, then a new loan can be granted. If this is applied for at the previous bank, then this will replenish the old one. This may have advantages. First, as before, only one monthly installment is due. For a second loan, two installments must be paid. Thus, the borrower would have the bottom line, much less money a month available. Second, it may be that interest rates have fallen in the meantime. A loan increase would benefit the borrower.

Unfortunately, if the financial situation is not enough for a second loan

Unfortunately, if the financial situation is not enough for a second loan

The creditworthiness does not only depend on the credit rating. Whether a loan is possible despite running credit is also determined by the income. A second loan also means higher installments, regardless of whether they are payable in one sum or in two amounts. However, it becomes problematic when the income is no longer sufficient. The bank is obliged to check whether there is enough money left to pay after paying the installments. Often that is not the case. Then a bank is guaranteed to reject another loan despite the current loan.

Credit from abroad

If there is no possibility for a loan in Germany and the loan amount is limited, then the way abroad is worthwhile. In Liechtenstein, a bank also lends to Germans. For this you have to prove a permanent employment. This must already exist for a year. This must be proven on the basis of the employment contract. Likewise the income. The proof must be provided in the form of payroll. It’s enough copies. If the employment relationship is temporary, there is no hope for success.

The loan amount is limited to a maximum of 5,000 euros. This also applies only to good earners. There is no review of the credit rating. A credit is not reported to the private credit. A loan from abroad is thus the last chance to compensate for a financial shortage. For the purchase of a computer or a small used car, he should just be enough. But first the question should arise, is a second loan really so urgently needed? From time to time you should be able to renounce instead of being in debt hopelessly.


Successfully paid out loans

One of our credit experts was once asked by a friend why he had chosen exactly this job. The answer came from a gun fired: “Because I can help people with this work and because I make people happy!”

There is a lot of truth in it – after all, every day a large number of consumers with credit-credit is often the long-desired loan. Not infrequently, borrowers have previously failed with various attempts at other providers and various banks. At Gandalf, for the first time, they feel taken seriously and cared for really comprehensively.

“Where others stop, let’s just start” – this is much more than just a slogan for Gandalf. The sentence describes the reality. In fact, our credit counselors often find a loan even if the house bank and other major banks have declined a loan. For example, negative credit score traits are often not a problem – if you have the right banking partner.

At Bon Loan, nobody is just a “number” – you get the personal and friendly service you deserve. This also means that you get a direct contact who puts a lot of effort for you. He negotiates with different banks for you to find the best conditions. And he is only satisfied if he can present you the optimal offer.

As soon as the final “ok” comes from the bank, it is not just the borrower who enjoys it. Our credit advisor is also happy because he was able to help with the fulfillment of a loan request.

Many customers then enthusiastically thank, write mails or send photos. Some borrowers have invited us to post their pictures on Facebook – so that other people can see what is possible with Gandalf.

Meanwhile, a whole series of beautiful pictures has come together, which we have now bundled on a new page. You can take a look at all the photos and information on the loans that have been successfully paid – or visit Gandalf experiences on Facebook .

And if you also want to fulfill your wish, then get your free loan offer right now.


Consumit Loan How to Get Another Loan!

Bad payer Consumit. How to Make a Loan?

Loan Consumit, realize your projects! The Consumit loans will allow you to get new liquidity, new credit and you can spend your money as you see fit.

If you are looking for an alternative, discover the Financemm benefits. You can get a loan online quickly and easily, even if you are a bad payer. To find out more fill out the contact form and soon a colleague will call you for a free consultation with no obligation. The result of your request will be immediate.

Do you have anything you would like to clarify? More information or talk to us about your specific case? Write a comment to this article now, using the form at the bottom of the page. We will reply promptly.

Loan Consumit: How to apply?

Loan Consumit: How to apply?

Mps Consumit personal loans guarantee flexibility and a wide range of choices. The minimum duration is 24 months, but you can repay the loan up to 120 months. 

You can request an online consumer loan and check all the opportunities offered by the Mps group. Consumit is in fact a company of the Monte dei Paschi di Siena group. Do you already know Carta Unica? Find out the details.

Bad payer Consumit. How to Make a Loan?

Do you already have a loan in progress? Do you need new liquidity and do not know who to turn to? Too many installments to pay? With debt consolidation you can get a single installment. Thanks to this loan you can combine all your installments into one, increase the repayment schedule and get a monthly savings of up to 37%! New liquidity and fewer installments to pay.

Are you a bad payer?
If you are an employee or a pensioner, you can apply for a loan through:

  • employee loans

Only for employees, on the other hand, it is possible to have a new loan through:

  • delegation of payment
  • loan changed

These loans will allow you to get a new sum of money repayable up to 120 months.