Instant loan without proof of income

 Instant loan without proof of income

An instant loan without proof of income is difficult to realize, not only in Germany. Those who first think about being able to claim a loan without Schufa will also be disappointed.

So the question is whether one can even apply for an instant loan without proof of income.

  • Proof of income is the basis for creditors, indicating whether a loan can be repaid.
  • Although Swiss banks waive the Schufa information, but also demand proof of regular income.
  • If you can not or do not want to provide proof of income, you must present a guarantor or co-applicant.

instant loan broker, Crediter, has no income limits, but a regular income must be demonstrated. If this is not possible, the loan can only be requested if a co-applicant is included in the contract that meets these conditions.

Loan without proof of income. A prerequisite is, however, a co-applicant, who can provide just this proof.

  • So if you find a co-applicant, instant loans of up to € 100,000 over a term of 12 to 120 months are possible.
  • Requirements are also of age and a residence in Germany.
  • What speaks for Crediter, is that the processing times are usually very short. If a loan application has been successfully verified, it usually takes only a few hours for the money to be in the account.

With credit-credit, a loan without proof of income is possible, but then has to serve a second applicant. However, this is basically possible with all banks.


  • Also maxcredit offers the possibility of a loan without proof of income, however, a liquid guarantor must be consulted here as well.
  • Then a maxcredit loan of up to € 25,000 is possible, should the loan without Schufa information be paid, € 5,000 can be requested. The maximum term of the loans is 84 months.
  • maxcredit is one of the largest financial service providers and enjoys the trust of many customers.
  • A prerequisite is also the age of majority and residence in Germany. The applicant or the guarantor must be able to prove a regular income of over € 1,070 per month.

Maxda in the overview

Express credit

  • Also Express credit is a possibility for a loan without proof of income. Instead, the credit protection can run through a private guarantor or the Zaloan, with which xpresscredit works together.
  • The biggest benefits of xpresscredit are its quick work and the opportunity opened up by new online applications to turn the entire process into a loan without paperwork. For example, the loan agreement can be sealed by online signature and the identification can be made via Verify-U.

Instant credit to apply, without providing proof of income, is only auxmoney possible, but the chances of success are low. All other players in the financial services sector either demand a salary or a guarantor or co-applicants.