A loan without intermediaries and prepayment is probably the desire of every borrower. And actually one should be able to assume that each reputable credit has these characteristics.
But is that really so? And when does the desire deviate from reality?
What does a conventional loan offer look like?
Credit without intermediaries and advance payment – fast, direct & secure
Who takes up his loan without help and also sets fair offers, will always be able to use a loan without intermediaries and advance payment. Because this form of credit is the classic and thus most widely used form of credit.
In our day and age, it is also very easy to find good loan offers without intermediaries and above all without prepayment. Even if the requirements of the borrower are not so ideal.
Anyone who does not get involved in advertising promises and even takes the search into their own hands is always on the safe side. For the search for a loan without intermediaries and advance payment our credit calculator should be used.
It only shows credit offers that do without intermediaries and no prepayment. All offers can therefore be classified as serious and fair.
Credit without intermediaries and prepayment – problem solutions
Despite the good conditions prevailing on the credit market today, there are still consumers who do not avail themselves of a loan without intermediaries and cash in advance. Mostly unintentional and out of ignorance, they engage in promotional offers that are expensive in the end and do not allow the individual decision of the borrower.
A few years ago, it was still common to borrow large amounts of credit via an intermediary. The “financial experts” knew the market and could tailor a suitable loan offer.
At that time, there were also no comparison computers on the Internet, which have made a quick overview of the individual offers possible. In addition, borrowing via the Internet was not widespread. The mediator was therefore the convenient solution, because he was familiar with the matter and has worked accordingly.
Why a prepayment?
Even today, there are still loan offers that do not provide credit without intermediaries and advance payment. They are gladly advertised when the creditworthiness of the borrower is bad and therefore he is urgently looking for a loan offer.
The classic way is hardly possible because of the bad credit rating, because the banks do not lend, if the credit rating does not fit. Concerned then cling to each straw.
Even if it is served by a mediator. These mediators – in this case dubious – are promising credit even if their credit rating is poor.
Whether unemployment is present or the private credit is negative through debt – a loan is always possible. In order for this loan to be found, the credit interested party must pay a prepayment to the intermediary.
A trick, because every mediator knows that he can conjure up no credit under bad conditions from the hat. Therefore, a loan that goes hand in hand with intermediaries and prepayments can always be called dubious.
Because in the end there is no credit and the advance payment is gauchsch.
How can this be bypassed?
To make sure that the offer of credit offered is in any case a loan without intermediaries and advance payment, one should always make sure that there is direct contact with the bank. There should be no cash flow before signing.
Also, the conclusion of insurance or subscription in advance, which should improve the creditworthiness, should not be signed on the advice of an intermediary or consultant. If a residual debt insurance or term life insurance is required, this can be taken out by the borrower himself directly with an insurance company.
There is no need for mediation because every consumer has the right to contact the relevant suppliers themselves. Whoever observes these things and does not rush the selection of a loan offer, will not fall into the trap.
A loan without intermediaries and advance payment is and remains a matter of course and should therefore always be used.