Bon-Kredit is one of Germany’s biggest loan intermediaries on the Internet. I had a meeting with Mr. Hegenauer (Bon-Kredit) in order to find out for our readers, how to proceed best to get a loan.
I have worked out all important statements for you – for your loan application – on this page. Moreover, I was allowed a peek into a confidencial statistic from which you can learn that about Euros one million in loans is paid every day. Therefore, one has a realistic opportunity to get the necessary financing through Bon-Kredit!
Do you fulfill the requirements for a successful loan application?
- at least 18 years old
- income of Euros 1,300 per month or more
- main place of residence in Germany
- current account for the payment of the loan
If you do not have a current account in Germany yet, you can open one within only 2 minutes.
… Start a loan form parallelly to this page!
With this application, no costs incur – it is a non-binding request. In the best of cases, you receive a loan offer and can decide later, whether you accept it or not. The decision is yours!
Payment in 24 to 84 hours
In order to receive the payment within 24 hours, all steps must be completed quickly:
- fill online application completely
- proof of income (e.g. send salary slip via e-mail/data upload; also possible by mail, but payment date postpones)
- legally required legitimating via PostIdent (later also VideoIdent possible)
- state account number for the payment.
Calculation of the possible loan
At best, you state exactly the amount in the application form that you want as a loan.
If one estimates that a higher loan amount would be possible because of your creditworthiness, then you will be informed about that. Also, if one would pay you a loan with a lower amount.
In order to make the calculation, one queries data at the Schufa once with the note “condition loan request”. If you make a self-query at the Schufa, you can see this query for 1 year. Other loan providers see this only for 10 days. This query-mode is creditworthiness-neutral, if one makes it once … in contrast to the note “loan application”, which is often made by bank branch offices.
As soon as the loan offering is calculated for you, you will be informed regarding all further details about the payment.
Important to know: What does “Schufa-free loan” mean?
A Schufa-free loan is not entered at the Schufa after the payment. For other banks, it looks like that you do not have a loan!
Through Bon-kredit, Schufa-free as well as normal loans are possible.
At a Schufa-free loan, however, the loan interest is hifher than at a normal loan. You do not have to worry about this now. The application form for the calculation of the loan is the same. As soon as your “loanability” is calculated and several options are available, you are asked, whether you want to choose a favourable loan with Schufa-entry or a little more expensive one without Schufa-entry.
After the loan caluclation, a loan consulting via e-mail and/or phone takes place. You have enough time to make your decision. Until the payment of the loan, everything is free of charge for you! The costs for the loan are included in the loan interest.
Questions on the loan application through Bon-Kredit?
Our editorial or I would be pleased to answer your questions through the comments box at the end of this article.
“Here, Euros 1,000,000 are paid daily”
… Start loan application now
Last but not least ? Retrievable loan amounts:
- Loan with Schufa: Euros 100 up to 200,000
- Loan without Schufa: Euros 3,500 up to 7,500
- With the online application, your “loanability” is calculated and then the currently maximum possible loan amount is shown. Agreed?