If you first got into RKI it is not a good idea to apply and apply for more loans online . Therefore, we cannot help you find a loan here.
If you are NOT registered in RKI, you can take a look at our regular mortgage loan overview:
Loan Info despite RKI: An individual credit rating of the consumer’s credit rating is required before entering into a credit agreement
Loan despite RKI (requires guarantor)
We do not guarantee that you will be allowed to take out a loan as there are many different factors that come into play, but it is an option.
If you have been so unlucky to be registered in RKI, it can be difficult to be allowed to borrow money again. There may sometimes be some banks / loan providers that have the door open and somehow have the opportunity to help you.
Loan despite RKI 2020
When you want to take out a loan, the bank or loan provider will typically do a credit assessment of you. This means that they will assess your ability to repay the loan. In the bank, the credit rating is quite extensive. Here you look at both your income, which must be documented, your expenses and your debt. As a rule, it is not as comprehensive to be rated by private providers. And in some places, you can totally avoid a credit rating, which means you can also take out a loan despite RKI . You can get an overview of the loan providers here on this page.
There is no guarantee that you will get a loan approved, although you can in principle take out a loan despite RKI registration. But the possibility exists with these providers, as opposed to the other payday loan providers, who have in their conditions standing that no loans are offered to people who are registered in RKI .
Loan despite RKI registration with guarantor
If you stand in RKI, you will be considered poor payer. The loan company therefore takes a chance if they lend you money because you have previously defaulted on one or more loans. They can avoid the risk of lending money with a guarantor. This means that someone you know has to guarantee and thereby take over the loan if you fail to pay yourself. This guarantor will typically have to be rated and not be in the RKI.
Loan despite RKI without guarantor
If you do not want to impede friends or family with your desire to borrow money despite RKI, you can also borrow some places even if you are registered as a poor payer. You must be aware that it may be more difficult to get approved, and you must prepare for the fact that the majority of all loan providers will reject your loan application if you do not simultaneously have a guarantor to take the loan with you. We always recommend:
- If you are in RKI you should NOT apply for another loan
- Think carefully
Mobile loans despite RKI are not possible
If you are in RKI, it is not possible to get mobile loans – also called SMS loans. These are typically small amounts of loans with a short repayment period, but the terms do not allow you to borrow unless you are registered as a poor payer. With most loan providers, you need to apply for loans through Easy ID, which gives the loan provider access to a number of information about you.
With SMS loans, you do not use Easy ID to search and you are not automatically credited. Such a loan is also a fast loan despite RKI as you get quick response; typically within a few hours and you will usually get the money deposited into your account the same day – it can only be done with a guarantor if you are in RKI.
Do not re-register in RKI
Being registered in RKI is a burden that can follow you for many years. The registration makes it impossible for you to lend money to the bank, and therefore you cannot buy real estate, and the private loan providers will typically only lend you less amounts.
Therefore, you should be careful if you are in RKI and are considering borrowing money again. Of course, your situation may have changed, but be sure to only take out loans that you have the option of repaying within the agreed framework, lest you end up with another RKI registration.