The less a person has money, the more it will of course be needed. For unemployed people who only have to make do with the minimum to live, it is particularly bad. There is no money left to settle important bills or make new purchases. Before unemployment, maybe a car was financed or insurance was taken out. These things must continue to be paid during unemployment, but then there is no money left. Many think in this situation about an instant payday loan despite credit bureau, because so all bills could be paid. Unfortunately, one must say at this point that there is no instant payday loan despite credit bureau. No bank lends out a loan to the unemployed because it involves too much risk.
Why is no instant payday loan awarded despite credit bureau?
If you want to apply for a loan, you need to have collateral before a loan can be approved. Unemployed people can not provide any collateral. You have no permanent job and therefore no fixed income. The money from the office is not counted as income. The social benefits that an unemployed person receives are just enough to live on, so there is obviously not a penny left to repay a loan. So if you do not have money, you do not have any money to repay a loan. Therefore banks do not grant instant payday loans despite credit bureau! Foreign banks, which also grant credit to German citizens, always demand a fixed and attachable income. Although not working together with the Schufa, but also the income as security is no bank abroad to do without!
What should be done in an emergency?
The best way and also the most difficult is to find a new job instead of thinking about an instant payday loan despite credit bureau. Those who fail to do so can only ask their friends and family members if they are prepared to lend a little money to the unemployed for a certain amount of time. So at least the most important bills could be paid. If you have a life or pension insurance, you can try to borrow it. But not all insurance companies participate in this, this is not impossible, but very difficult. There are hardly any other possibilities. Providers who advertise on the Internet to grant a loan to the unemployed should not even be considered! Behind these providers are often people who only want to sell insurance. They offer credit, but only when insurance is taken out. In this case, the applicant will never receive money, only the bills for insurance that the applicant never wanted.