Not always comes at a bank without further notice to a loan. Often you get to review a denial of one's own credit rating or simply gets an offer with a disproportionately high cost of credit guaranteed. Thus many consumers looking for alternatives to traditional bank credit.
A good way to get out of the banks is the way the private loan . Borrow at such a private personal loan from other individuals their savings. Objective of those who lend money here is of course an attractive return. Consumers who borrow the money again, come to mind are interested in something cheaper than a loan from the banks, or even somewhere to get cash.
But a personal loan is not a free pass that you always and unconditionally receives a loan. Even those who are here to give money very interested in security and access to accurate information about the borrower. This is also classified into different risk classes - and it is not always safe from a possible Schufa query. The only difference here is that you may the personal loan even with negative credit reports obtained when the lender agrees. Finally, there is no solid banking rules, but you can convince the lenders personally as a borrower.
To this end, there are platforms for personal loans often also profiles in which one can describe what you have with the money from and why it is able to take advantage of a loan to have. So then everyone to get an idea and consider whether he wants to borrow some of the money of the person or the entire sum required.