Best chances with guarantors
- Start your credit request now (this does not result in a contract).
- After checking your request, the money will be in your account after 4 days.
- All you have to do is accept our offer. If not, then not. No catch, no upfront costs.
Young people often have only a small income to study or teach; if anything. Sometimes they live on financial contributions from their parents.
The banks and savings banks are extremely cautious when it comes to lending, so that a small loan is often difficult to implement for trainees. Banks and savings banks expect security for a loan that is often not yet available to trainees.
How can a loan still be realized?
If a regular income is available, the house bank often grants a small loan. If there is a guarantor who assumes the claim in the event of insolvency, a loan contract can often also be signed. If the guarantor is solvent, shows his ID card and signs the contract, there is nothing standing in the way of small loans for trainees.
A detailed discussion with the bank’s customer advisor can answer any open questions here. It is best to bring the guarantor directly here and explain the project. Often there is an individual way to a loan.
Other credit options
If money is urgently needed, a private loan from relatives, friends and acquaintances is also conceivable. A written contract can also be made here. This can be certified by a notary so that it is not legally contestable and correct.
In the case of a larger sum of money, it may also be possible to ask several people for money and to pay back various small amounts. Sometimes there is a greater chance of getting a loan from an online bank. Interest rates are usually higher here, but banks are often more willing to take risks. A small loan for trainees can often be obtained in this way, even if the house bank may have already declined.