Loan despite Schufa for advance payment? Hands off
You urgently need a loan and come across offers like 'loan without Schufa, guaranteed approval'? Caution: as soon as money, insurance or a paid home visit is demanded in advance, it is almost always a scheme. Reputable loans have no advance costs.
Reach your next steps and the matching ready-made texts in just a few minutes, free of charge:
Check the offer →Your chances of getting your money back
What you should do now
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1. Pay nothing in advance
Never pay in advance for a loan, neither a fee nor insurance nor cash on delivery.
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2. Check the provider
Is there a complete imprint, a license (BaFin/trade license) and reputable contact channels? Pressure and time pressure are warning signs.
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3. Already paid? Reclaim it
Reclaim amounts paid, withdraw from any additional contracts concluded and stop debits via your bank.
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4. Report it
Report dubious providers to the consumer advice center; in case of loss, file a complaint.
How to spot the scam
- 'Guaranteed' loan approval despite Schufa.
- Advance fee, mandatory insurance or a paid home visit.
- Loan documents only by cash on delivery.
Frequently asked questions
Do I have to pay something in advance for a loan?
No. Reputable loans and brokerages demand no advance payment. A fee for brokerage may generally only arise in the event of success, not as a 'processing fee' in advance. As soon as money is demanded in advance, the utmost caution is required.
I already paid a fee, what should I do?
Reclaim the money in writing, withdraw from any additional contracts (for example insurance) and have debits reversed via your bank. Report the provider to the consumer advice center and, in case of loss, file a complaint.
Take action now
We put together the ready-made texts and the right places to contact for you.
General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.