Credit inquiry online without pre-payment and without credit bureau


Insist on the condition request

Insist on the condition request

You have agreed to a credit conversation with a bank adviser? Inform the advisor that he should submit your request to the credit bureau as a “condition request”. As a result, you do not have to fear any negative consequences.

The way to the credit inquiry

Are you looking for a loan? Before you make a credit request, you should have obtained information about the terms. Please also inform yourself about the following details:

  • The purpose of usage
    The amount of interest and credit opportunities can often depend on the type of loan. So a car loan is suitable for the purchase of a new car. If you opt for a loan with a purpose, you may benefit from special offers and conditions. Note, however, that the sum taken may only be used within the scope of the intended use – if a car loan is taken, the money can not be used to renovate a dwelling, finance a holiday or make another purchase.
  • The loan amount
    Think in advance how much money you really need. Do not take more money if you do not need it.
  • The financial scope
    Perform an analysis of your finances in advance so you know what your monthly loan installments are. For the determination you can use a household calculator.
  • the period
    How long do you want to pay off the loan? Opt for a short term so that interest costs remain as low as possible.

Using loan calculator for financing

Using loan calculator for financing

You know what the loan will be used for, how high it should be and have chosen to run it? You have all the important data you need for the next steps. Now you can use the loan calculator of clear credit!

  1. Type the loan amount in the given field, then select the term and decide on the purpose. Click on the orange button – the loan calculator starts. Subsequently, you will get an overview of which loan offers are currently available.
  2. Now compare the different loan offers. Pay attention to the monthly loan installments and check the total loan amount – ie the total charge at the end of the repayment term. If you have found a suitable offer, click on “continue”.
  3. Next, post your personal details and income and submit a credit request to the bank you are looking for. You will then receive an offer.

The request has no effect on your credit rating – the loan calculator of clear credit also causes no costs! If you receive the offer of the bank, it is also not a contract!

The offer has arrived

After the offer has been submitted by the bank, you should check the conditions again. The loan offer has already been pre-checked by the bank on the basis of your submitted data. It is not a contract!

You agree with the terms? Then sign the submitted documents. Then print out the PostIdent coupon. You need the coupon for the identification of your person, which is confirmed by a post office worker. You will need a valid passport or ID card for this process. If the post office employee has confirmed your identity, the coupon and the loan documents will be forwarded to the responsible bank.

Which documents are needed?

Which documents are needed?

For the loan approval, it may happen that the bank needs more documents. Thus, the bank may demand proof of income or account statements. Furthermore, it is possible that the bank also wants to have evidence of other credit obligations.

The documentation checklist

The documentation checklist

  • Proof of income: Submit copies of your salary letters
  • Statements of account: The bank may request the account statements of the last three months
  • Evidence of current loan commitments: Enclose copies of current loan agreements
  • Copies of passport or identity card
  • Two borrowers require two credentials

Two borrowers

Two borrowers

If there are two borrowers, they must legitimize themselves and provide proof of income as well. As a rule, two borrowers have a higher chance that the bank will approve the loan application.