A loan with no cost and negative Private Credit sounds difficult, but is feasible. All you need to know is where to get the loan and what requirements must be met. All this and much more we show you here.

Preliminary costs and negative Private Credit – a symbiosis?

Preliminary costs and negative Private Credit - a symbiosis?

The credit offers that can be found in a negative Private Credit, very often come from dubious credit intermediaries, which stoke hope where there is actually no hope. They promise loans that can not work under the circumstances. For this they require a prepayment, which will not be refunded even if no credit is taken.

Therefore, it is quite true that the negative Private Credit and initial cost of borrowing are very closely related. Unfortunately, not in a positive sense.

Therefore, if you are interested in a loan with no pre-cost and negative Private Credit, you should always make sure that you take it directly from a lender and not through an intermediary. Use for your search our comparison calculator, which will provide you with optimal offers. So you are always on the safe side and do not have to worry about unnecessary costs.

How negative is the Private Credit?

How negative is the Private Credit?

A negative Private Credit is always a bad sign. It indicates debt that is either current or existing. For the banks always a sign that lending is not the best idea.

Despite the negative entries, however, a distinction must always be made according to the value of the entries. Completed entries weigh less heavily than entries that are still open and can not be served. Not only the banks are paying attention to this. Even you as a borrower should pay attention.

If you have high debts that are unlikely to have the potential for dissolution, then it is not recommended to take out a loan without any initial costs and negative Private Credit. In all likelihood, he will not help you and only further aggravate your situation.

However, if the debt has already been settled and the entry has not been deleted, nothing speaks against borrowing. Just make sure that you do not take on the loan and that there is enough financial scope.



You can move a lot with a guarantor. Use this, for example, to take out the loan without pre-cost and negative Private Credit directly here in Germany. At a regular bank on regular terms. This is possible if the guarantor is solvent and supports the borrowing in full.

Collaboration with a guarantor always pays off if no serious credit offer is made in other ways. Sometimes it even pays to put the guarantor in the foreground when borrowing. If he takes the credit alone, a prepayment is irrelevant. And also the Private Credit should not be a problem.

Provided, of course, that the actual borrower and guarantor understand each other well and the guarantor is solvent. Only then can he advance the borrowing and work out optimal conditions.

Foreign credit – non-advance and negative Private Credit credit

Foreign credit - non-advance and negative Private Credit credit

Without pre-payment and without the inquiry of Private Credit – so foreign loans can be recorded. One of the most popular points of contact for a loan without pre-cost and negative Private Credit abroad is Soulcredit Bank in Liechtenstein. The small principality is known for its banking.

The Soulcredit Bank offers Private Credit loans up to a loan amount of 7500 euros. If the loan is taken without an intermediary, there are no pre-payments. The repayment is strictly regulated. All related conditions can be viewed before applying for the loan. The bank makes these available on its website.

As a borrower, you can decide before you apply for the loan offer or not. To be eligible, you must meet the following requirements:

  • Steady income
  • Fixed employment contract
  • Residence in Germany
  • German bank account
  • Minimum age 18 years – maximum age 62 years

Pay attention to the interest

Pay attention to the interest

Whether you opt for a loan with no deposit or negative Private Credit with a guarantor or in the form of a foreign loan: you should always keep an eye on the interest rates. They show how much extra money you need to take in repayment.

Foreign loans are often accompanied by a higher interest rate. They can be used even if no guarantor is on hand. Take advantage of a loan offer that works with the help of a guarantor, then regular offers can be used.

But beware: the guarantor is not just for decoration. He vouches for the complete loan amount and has to take the repayment if the actual borrower does not feel able to do so.

Both options therefore have their advantages and disadvantages. Therefore, choose the route that suits you the most and make sure that you always pay attention to the interest and the conditions associated with the repayment of the loan without any cost of pre-emptive or negative Private Credit.