In bad economic times in particular, Swiss credit is increasingly used for advertising. This may be advantageous for one or the other household if the banks in Germany refuse a loan. However, this loan from Switzerland is only reserved for people who are employed. Unfortunately, there is no Swiss loan for the self-employed and freelancers. There is a reason for that.
Even if the banks in Switzerland are not affiliated to private credit checker, they do not waive collateral. The banks are paid an acceptable salary or wage because in an emergency they can get their money back in the event of a garnishment. Things are different for self-employed and freelancers. Their income is subject to fluctuations. It can happen that their income is below the garnishment exemption limit and the bank goes empty-handed. For this reason, freelance or freelance workers cannot use this loan.
Depending on what is reported in the private credit checker, there are other ways for a credit for this professional group. There are also banks in Germany that do not grant Swiss credit to the self-employed, but are definitely willing to lend it. These include the Cream bank and the Agree bank. There is also the Centi loan market square. Here it is not banks but private individuals who lend money.
Freelancers and the self-employed are often seen here as customers. But here too the private credit checker is checked. Those who have negative entries can only hope for a loan by the amount of the interest. In contrast to the usual loans, the borrowers determine the annual percentage rate. If this is high enough, one or the other loan can be realized.