If you are looking for a loan without Credit Bureau information with immediate approval, you should contact a credit broker. He knows the German and international credit market and can weigh up the opportunities and risks of lending against each other. However, this only applies to a reputable credit broker who can be recognized, among other things, by the fact that he does not require any upfront costs for advice and credit brokerage.
Even if a credit broker insists that he wants to visit the customer at home, special care is required. It would always be better to look for another alternative here. There are enough reputable credit intermediaries who will try to help their customers as well as possible and provide them with a suitable loan. However, no one can guarantee that a loan without Credit Bureau information with an immediate confirmation will be obtained even in extremely difficult cases.
In Germany, no credit is granted without Credit Bureau information with immediate approval. An exception are personal loans, which are not only available from your own circle of friends, but also via a credit brokerage portal on the Internet. The portals do not act as lenders, but bring supply and demand together. Registration is required for this.
The loan request can then be set and the search for a suitable lender started. If the loan amounts are large, there may well be several lenders who are willing to contribute a partial amount to the total amount. Credit Bureau information generally does not play a role in a personal loan. However, lenders can insist that the borrower provide proof of income or other security. Each lender decides on the basis of which criteria he assesses the creditworthiness of the customer. There are no clear legal regulations here, as they exist at the banks.
Anyone who contacts a credit broker must also expect the creditworthiness to be checked. Foreign banks require a regular income and a permanent employment contract. They do not provide Credit Bureau information because they are not permitted to obtain Credit Bureau information from German bank customers at all. If the loan is paid out in cash, there is a chance that it will remain secret and in no way affect the creditworthiness.