Those who already have negative entries in Schufa or preferably simply credit without Schufa to stand by in case of doubt, no entries should be interested in Swiss loans. Because they provide a high degree of reliability and are cheap compared to German offerings without Schufa Anyone who meets certain conditions, can therefore apply for such a Swiss credit immediately. First, such loans can only ask, who is a German citizen and employee, is also on a permanent basis. Of course, the applicant must be of legal age, and on the other hand, there is a maximum age. This is 58 years, and applies to the new states a limit of 55 years. For young male applicant, there is a special criterion. Who is under 23, must prove either that he has completed his military service or alternative military service or are under an exemption from military service must be provided. This is to prevent decreases significantly by feeding the current income for military service and so aRepayment of the loan would be jeopardized. The employment of the person who applied for a loan without Schufa, must also be under notice and open ended. Only those criteria provide moderate interest rates and repayment terms reputable. The applicant must be employed also at least one years with his current employer and are the salary received must be demonstrated. This salary must also be attachable, that is, it must have a minimum height. Adam Roseman This depends on the tax bracket, living in the household and the number of child allowances. This begins for a person with tax class 1 at 1.070 euro, with 5 people in tax class 3 would already be 2350 euros. Detailed tables from the providers here give information whether you are creditworthy, with his income. The limit for credit without Schufa is, however, five people.