Each bank awards loans. But the individual offers differ from bank to bank. This already starts with the APR. But other things are to be considered. Is there the possibility of free special repayment, a residual debt insurance must be completed and much more. To get an overview of the many offers, there are a number of comparison portals, on which the consumer can inform. At a glance, he receives all relevant data. For most banks, it is even possible to apply directly for a loan without advance payment.
Credit without advance payment
The banks do not require advance payment for a loan request. Everyone has the opportunity to ask as many banks as necessary for a loan. There is nothing to pay for it. A bank comparison made available on the internet is also free. Only dubious intermediaries require advance payment on highly questionable grounds. Such offers should be avoided in any case, because the goal of these providers is simply to pull the money out of people’s hands.
Loan request to foreign banks
A credit without advance payment is also possible with foreign banks. There are no fees for either the so-called Swiss loan or a loan request from another foreign bank. These only happen when a loan agreement has been signed by both sides. Many banks are now waiving this processing fee.
However, all but the Swiss banks have one thing in common: they check the creditworthiness of the applicant and find out about his income. If there are no complaints, the way is clear for a credit without advance payment. Only the banks in Switzerland do not ask about the credit rating. They have different guidelines for lending.