You need a 4500 Euro loan because you currently need to make an important purchase? Your car has given up the ghost, and now you need a replacement fast? You finally want to buy a new kitchen, but can't save for months first? You want to escape from everyday life and take a great trip?
Compare attractive 4500 Euro loan offers now without obligation!
You may also be chronically overdrawn on your checking account, and the high overdraft interest rate is causing you quite a bit of financial hardship. Then it makes sense to think about a 4500 euro rescheduling loan, which also reduces the interest burden with much better conditions.
These and numerous other reasons can make a quick 4500 euro loan attractive, and now there are many banks that will pay out an instant 4500 euro loan cheaply and within a few hours. But this was not always the case, because such loans are so-called small loans.
The 4500 Euro loan as a small loan
Traditional banks largely added small loans to their portfolios only a few years ago, which by definition can be up to 10.000 Euro goes, which therefore also includes the 4500 Euro loan. Increased competition – not least from internet banks, some of which operate internationally – and better technology have made it possible to make these small loans more effective, so that many house banks can also offer suitable products.
However, if in doubt, check with your bank advisor first before you go ahead with your purchase. Here's how you can find out if the 4500 euro small loan is even offered by making a quick phone call. If this is the case, there are only a few requirements that need to be met in order for you to submit an application.
Requirements for the 4500 euro loan from savings banks and other banks
Whether you want to apply for the 4500 Euro loan from Sparkasse, Raiffeisenbank, Commerzbank, Postbank, or any other x-any house bank – they all have one thing in common: Namely, that you check whether the minimum requirements are given, which would be:
- The 18. Year of life has been reached.
- you have a current account in the FRG.
- You are not mentally impaired and therefore have full legal capacity.
- Be able to provide proof of regular income that is high enough to pay the scheduled monthly payments.
- The obligatory SCHUFA query results in a sufficiently high score, which confirms your creditworthiness.
For many people who have "normal" incomes, these conditions shouldn't be too much of a challenge. Civil servants and public employees are also among those who are usually considered to be very creditworthy by default, as their job situation can be tracked quite easily. The situation may be different for those who are self-employed.
The 4500 Euro loan uncomplicated for self-employed people
Self-employed people, freelancers, tradespeople and entrepreneurs often cannot easily prove that they are earning a high enough salary, as there are sometimes seasonal fluctuations and income can vary quite a bit from month to month. Many self-employed people also run their business only as a better extra income and do not even earn 1.000, so your credit rating doesn't look so good – at least in the eyes of the banks.
In order to successfully & easily apply for a loan, additional documents are also required:
- Financial statements and balance sheets
- a business management analysis, also called BWA, which you z.B. can get from the tax office
- The last tax notices you received from the IRS
- further proof of income, which z.B. come from rental income
Furthermore, self-employed persons can additionally improve their credit rating, if you espw. Getting a second borrower on board. A guarantor would also be an option, although with the second borrower there is also full liability from the start. This is looked upon very favorably by banks, so if in doubt, they can offer a much better loan – especially if the second borrower has a high credit score.
This circumstance can also take advantage of younger employees and civil servants, if your income is still manageable and they still want to get a cheap 4500 Euro for civil servants. The creditworthiness of the second borrower is virtually also transferred to the original applicant, so that there are best prospects of obtaining the 4500 euro loan cheaply and at top conditions.
Apply for 4500 Euro credit without SCHUFA?
In some cases, loan seekers try to get an offer that completely waives the SCHUFA query, as they may have a bad credit history. Such a 4500 Euro loan without SCHUFA, as it is colloquially called, is not available from German credit institutions. These request the relevant data from the responsible SCHUFA Holding AG in Wiesbaden by default.
The German credit agency specializes in documenting the payment behavior of individuals as well as businesses. This is how z.B. Also recorded omissions that go back to cell phone contracts, lease payments or even other debts. If you have a history of falling behind on payments, this can negatively impact your SCHUFA score and bring your credit score into question.
It may well be that you can get the 4500 euro loan despite negative SCHUFA – because the SCHUFA query is, after all, only one factor in determining creditworthiness. Nevertheless, if you are more likely to seek credit without a SCHUFA query, then relevant foreign offers might be worth considering.
Previously, loans were offered mainly by Swiss banks, where the German credit agency was not consulted. These "Swiss loans" were then often characterized by all the higher fees, and today there are u.a. Banks in Liechtenstein and Luxembourg, which have joined this tradition. Thus offers z.B. Sigma Kreditbank AG to offer such loans.
Be careful if you end up with a provider who, in addition to charging rather less favorable interest rates and fees, also charges "upfront fees" before the funds are even deposited into your account. In such cases, it may well be that fraudsters are at work! If you are in doubt, it may be better to contact the bank you trust.
4500 Euro credit from private
If the 4500 euro loan without Schufa is also not an option for you, then you could possibly look at. Look around in your private. Because sometimes there is an opportunity to arrange for the money to come from a wealthy acquaintance or a well-heeled relative who has some money in the bank.
In very favorable cases, this way you can get a 4500 Euro loan without proof of income or even without interest, since your creditor will waive it! However, you can also obtain a loan from private individuals, who can often be found through relevant platforms on the Internet. But these often retain hefty fees for referrals.
No matter if you get the loan approved by your aunt or a person you don't know – a proper writing of the loan transaction is an absolute must! Even if you should get along well, a proper contract needs to be drawn up so that there are no ambiguities later on.
4500 Euro loan for students and trainees
Students and trainees who have low incomes can also get a 4500 euro loan from some banks. Usually lower amounts are approved, but if there is loan collateral, then the chances should be better.
This is generally an important tip: if the amount of money is invested in a car, for example, then the vehicle can be brought in as collateral.
In any case, specify the purpose as accurately as possible, then the bank employee may be more willing to approve the 4500 euro loan quickly and easily. If you simply want the money to use freely and can't state a clear purpose, that's more of a reason for the bank to give the loan application the benefit of the doubt.
Conclusion on the 4500 euro loan
There are some ways to get a loan iHv 4500 euros from a bank or a private person, with high or low income, with / despite / without Schufa. Experience has shown that you get the best interest rates if you choose a term that is not too long to repay the amount. If, for example, a term of 12 months is chosen, then effective annual interest rates of sometimes less than 1% can be achieved.
However, many borrowers tend to choose a term of 48 or 60 months with a smaller monthly payment, which of course affects the fees or. which costs. You can quickly and easily determine the best deal for your individual 4500 euro loan using an accurate loan calculator. If all conditions are met, then you may even get an instant loan that can be disbursed within 24-72 hours.
The offer for the right 4500 Euro loan is large – compare completely free of charge the best providers, who often offer the complete processing and approval online, so that you can dispose of the desired amount in a short time.