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“I’m almost 18 and have no idea about taxes, rent or insurance. But I can write a poetry analysis. In 4 languages.” – Stop it!

Most people learn how to earn money in their professional lives during their training or studies. But no one teaches you how to actually handle money properly. And since finances and insurance are not the most exciting topics anyway, people rarely deal with them privately and even more rarely in detail. We can understand that, because after years of earning little money while studying or training, you want to enjoy your new salary first and not think directly about your pension, which won’t come for 40 years anyway.

The topic is more important than ever in 2023. And the sooner you deal with it, the quicker it will be off the table!

What do I need to know about finances, pensions and investments?

Which insurance policies should I have when I start my career at the latest and which ones are simply unnecessary?

What do I have to pay attention to when I compare financial and insurance products?

And what do human capital, assets, liabilities and the German pension system actually have in common?

We cover all of these questions and topics in our webinar followed by a Q&A, of course in a refreshing way! 🍋

Credit advice: Get a loan without SCHUFA

Do you want one Loan without SCHUFA information? Then you are exactly right here! At our online event you will find out everything you need to know to get a loan without SCHUFA. Our experts will give you valuable tips and tricks on how to increase your chances of getting a loan, even if your SCHUFA report is not optimal. Don’t miss this unique opportunity to improve your financial situation and make your dreams come true! Register now and be there!

Basic information about SCHUFA

SCHUFA is the leading credit agency in Germany. It stores data about credit transactions and financial obligations. If you have negative entries, it can be difficult to get a loan from conventional banks. But there are ways to get around this problem.

Alternatives to the house bank

1. private lenders: There are numerous platforms that bring private lenders and loan seekers together. These lenders are often willing to lend money without a SCHUFA query.

2. Loans from abroad: Some countries offer so-called “Swiss loans” for which there is no SCHUFA query.

3. Pawnshops: Here you can deposit items as security and receive a loan in return. When the loan is repaid, you will get your valuables back.

What to pay attention to

* Reliability of the provider: There are many black sheep in the industry. Compare the providers and read reviews.

* Conditions: Even without SCHUFA, interest rates and conditions should be fair.

* Hidden costs: Some providers entice you with cheap offers that then contain hidden costs.

How can I improve my SCHUFA score?

There are also ways to improve your own SCHUFA score. Here are some tips:

1. Pay open invoices immediately: Even small outstanding amounts can have a negative impact on your score.

2. Cancel unnecessary credit cards: Too many credit cards can have a negative impact on your score.

3. Correct incorrect entries: Sometimes SCHUFA entries are not correct. Check your data regularly and have any errors corrected.

Conclusion

According to the credit experts at Kreditriese.de, a loan without SCHUFA is possible, but requires care when selecting the right provider and the conditions. Find out more, compare and choose the best offer. With the right approach, you can enjoy financial freedom, even if your SCHUFA score is not optimal.