The best private lenders in our free premium list
Here's how I found the best private lenders online. Private lenders can lend you money very quickly. How you can manage to get money in 24 hours with direct banks and private lenders. My story explained with which you can also get cash today!
The personal loan as an alternative to the bank
Quickly you can get into a financial emergency at short notice! You need money urgently and your house bank takes way too long for your loan request.
What now? How and where can you apply for an instant loan with immediate payment? Reputable online banks and private lenders can help you in this situation.
How I managed to get money quickly without any work, and how you can also find suitable private lenders, I'll tell you in this post!
The loan from private persons
You want to borrow money quickly and your local bank has needs 5-7 business days for a response to your loan request? Then let me tell you one thing, private lenders offer a quick alternative for this problem here.
Borrowing money from private persons works, if you know who the right provider or. suitable private money lender knows!
How you can borrow money with an online loan!
A private lender has completely different possibilities and conditions to help you after all. Private lenders usually do not see their potential customers as supplicants and "poor sods"! Like banks you want to get out of the office as fast as you can.
On the contrary, private lenders see their customers as business partners with whom they want to earn money.
For now, you don't need a loan calculator or a loan comparison but someone who will actually help you out with money. Perhaps a short-term mini loan is already sufficient . It counts only: need immediately cash !
ATTENTION: If it should go particularly fast with your instant loan, then use my quick 2-minute loan search in which we look for you the best private lenders!
That's legitimate, after all, and these private money investors offer an instant credit commitment. In many cases also attractive and consumer-friendly conditions.
Loan without collateral
My credit application was rejected, what now, you ask yourself in despair? And to build you up now I tell you, there are incredibly many people, who even after a private insolvency look for a loan with immediate commitment and find this with private lenders also.
And if they manage it, then it should actually be a cinch for you to clear a euro loan. Who will lend me money? need cash immediately , you can finally cross this call for help off your to-do list.
If you need cash immediately and have already been turned down by your local bank, where you also had to answer highly unpleasant questions, you usually come up with the same idea when looking for a personal loan.
I ask nevertheless times my well-situated parents or my nevertheless very wealthy uncle. Basically not a bad idea. It can be assumed that you don't really have to fill out an official form for a personal loan with your own parents or rich uncle now. And if it is about a loan of a few hundred euros, then you will probably be able to collect the cash immediately and you have at your house bank without much effort a snip beaten and run good-humored and whistling past the branch of this bank.
No wonder, you got cash in hand practically immediately, a private loan form didn't come up at all, and you made a promise to the parents or his uncle to pay back those few hundred euros within the next six months.
This is a direct loan or. Express credit par excellence. The clou at the thing: this is the original private lender in the truest sense of the word and you must pay perhaps no or at least only small interest and you can divide the installment as you want also if you think of applying for a loan without income.
You may simply have to settle the loan on a certain date, and by then you are quite self-sufficient and flexible as far as your financial situation is concerned. Of course, it does not get any better than this.
What you can't ignore though, in this case it's only been about a mini loan. But what if you get a whopping 10 from your parents or uncle?.000 € would have demanded ? Then I am pretty sure that your relatives would not have reacted so positively to your request.
As we all know, friendship ends when it comes to money, and since you can't offer any collateral, your parents or creditors naturally have no choice. the uncle justifiably worried that they might never see their money again. In order to avoid big family disputes you will probably hear a "no".
D.h., this most original form of a personal loan is dead for you as well. You're back to zero – but you still shouldn't despair. The easiest way for you has just closed, but still there are other ways to get a nice signature on a loan agreement.
The search for a private lender is simply more difficult and the road is rockier. At this time you must also say goodbye to a possible interest-free loan. Because all the other private investors who might do business with you will of course charge interest. Every private lender wants to make money, so an interest-free loan is possible only among good friends or acquaintances.
Can I apply for a personal loan?
If you are of age, you can start looking for your private loan. Of course, it is advantageous if you have a steady income. It is not the amount of your income that is really important, but the regularity of your income.
D.h. Apprentices or. Trainees, financially weak pensioners, basically people with low income, are predestined for a personal loan, and for them it is often the last and only chance to get a lightning loan or immediate cash.
You are all among those people who are looking for loans from private individuals or are looking for private lenders. Often these loans are forced to be needed even within 24 hours. By the way, unemployed people are also among the beneficiaries of a personal loan. Because they also have a regular – albeit usually quite low – income.
For an unemployed person a loan of 500 € or instant cash can be really necessary for survival. It is doubly important to find a private lender quickly and to be able to conclude the loan agreement quickly. Just think of a rent deposit that has to be paid immediately.
In this case, a loan is almost vital, because all of us know what happens if you do not have a permanent residence. There then the social descent begins to accelerate. Classical banks take in such situations little consideration, insofar private lenders even contribute in some way to the stabilization of the welfare state.
Because they do not insist on the creditworthiness, but are willing to take a higher risk towards their customers, even if it should be about a construction financing but also with a lightning loan. By the way, this also applies to foreigners. Private lenders are also open to them, and the granting of a private loan is highly positive, as long as the "foreigner" can show a regular income.
Requirements for your loan
Now think again exactly how much this loan should be. You must be aware that for every Euro you borrow now, you will have to pay interest in the future. Even if you now only apply for a new credit card without Schufa. Must it now on the spot actually 15.000 € be or would also a short-term loan of 5000 € or perhaps even a mini-loan in the amount of 500 € suffice?
Private lenders want to have an answer to this if possible. Next important point: What do you need this money for??
It is clear that your private lender will want to hear a clear answer to this question. Your credit conditions worsen of course again dramatically, if you indicate that you want to celebrate with the desired loan amount simply only a big party and to your 30th birthday. Birthday on thick pants make. Yes, that is also the case with loans online.
If you on the other hand with the desired and hoped for 5.000 € or 10.If you invest € 000 in your future somehow, then the matter looks different, of course. The chances increase dramatically that you will be able to repay your Euro loan on the agreed terms.
And in return, of course, your chances increase dramatically that your private lender under these special circumstances – because you are a difficult case without appropriate creditworthiness – at all a desired Euro loan granted. Private lenders can then be found relatively quickly, taking all these considerations into account.
Another important point that you should consider very carefully when financing your loan is the term of a loan. You realize that you have to pay interest for every euro you borrow. But it is also clear that the longer you want to borrow this money, the more expensive this matter will be for you.
Of course, a long term has the advantage that your monthly or perhaps quarterly installments are relatively low. In total, though, you'll have to pay back far more money than you would with a shorter term. It doesn't matter whether you sign your loan agreement with the Volksbank, the Raiffeisenbank or a savings bank – or with a private lender.
So how do I get a so-called money lend instant payout? Of course, the term alone does not determine the amount of your charges, but of greatest importance is of course the interest rate that is imposed on you.
D.h., the combination of interest rate and term determines what financial burdens you will face in the near future. So, before you take a sample loan agreement, you need to have carefully considered and calculated these various points.
Speaking of samples, in Germany as well as in Austria or in Switzerland there is officially a credit service resp. government agencies, where you can look at an official sample form for a credit or a loan. You should also do this in advance of a loan search. In this way you will have a rough idea of what to expect and you will know what answers private lenders expect.
If you get to a private lender who then wants to know completely different information, additional information, from you, then a certain caution is required and you must ask yourself whether this lender is the right one for you. Because only a serious private investor may come into question for you.
Even if in this case of a lightning loan or an immediate loan disbursement or of an immediate disbursement the speech is, brakes you one, look again completely exactly at these contract conditions. Especially in financial matters applies: Caution is the mother of china box! So let's summarize again. You are clear about how much money you want to get from your private investor, i.e. how high the loan amount should be.
You have a reasonable idea of what you want to spend this money on. You have decided on a certain term, and you know that the longer it is, the more expensive the matter will be for you. And last but not least, you are clear about the maximum interest rate you are willing to accept.
When you have done all this, sit down in front of your laptop or computer and start a search on the Internet. You will find that there are private lenders who offer their financial services. And it pays to take a closer look. Because these private lenders have also specialized in some cases.
It makes a difference if you are still an apprentice and therefore looking for a loan for apprentices. It also makes a difference for these lenders if a company needs a loan or if it is a private person. If you have made it this far, then I would advise you to look long and very hard.
Because you are in a bazaar, in a market. There are buyers and sellers and you finally want the seller (= your private lender) who offers you the best conditions. At the end of the day, or at least the next day, you should find several offers in your mailbox.
Grab your girlfriend or a good friend, if possible provided with a good financial mathematical mind, and check through the various offers until you or. you have found the one that offers the best conditions. And there are still some things to consider. Because it would be a shame if you miss out on some of the advantages of a personal loan.
Make sure that your loan is as flexible as possible. D.h., you must not accept the interest rates, or the monthly installments, or the term proposed to you by your private lender too easily, but you should definitely still negotiate here. Believe me, in most cases there is still a margin that will save you money in the future.
For example, what if your financial situation deteriorates again in the short term and you are unable to pay the next loan installment due?? How does it look then with a deferral of payment? But let's not always assume the worst. What if you were to suddenly come into a nice chunk of money, for example through an inheritance, and you now had the opportunity to repay your loan either in full or at least to a large extent??
Is such a special repayment possible? That would be great, of course, because it would save you money and you could be debt-free before the end of the term. You have already considered in advance which term would be best for you. Try to negotiate with a lender until you get the desired term from him.
And there is pretty much everything possible, from a few months to several years. Of course you have to negotiate hard on the interest rate! You would not believe the differences that can exist. There it is often not about a half or one percent. Even such a difference can amount to a huge sum with a correspondingly long term.
But imagine that you pay 3, 4 or maybe even 5% more interest with the one private lender than with the competitor. And believe me, such differences can be the case. So if you're not careful, you may be giving away a small fortune. What was the most unpleasant question when you asked for a home loan??
I am sure it was the question about your collateral. Because you probably simply did not have any collateral to offer. And at the latest then you are always pierced by the looks of the bank employee and you would like to crawl under the chair. Well, even in the case of private lending, such questions can arise.
The emphasis is on the word "can". With a little luck you will be spared these requests. A private loan is characterized by the fact that in many cases no further collateral is required. Lending from a bank is always connected with the fact that all your personal data will be requested and revealed.
With private lenders, of course, you also have to disclose some of yourself, but you retain a certain anonymity. Because the desired and required data are not transmitted directly to the private lender but "only" to an intermediary credit institution. The lender, whom you don't know at all, has to calculate his own risk himself.
Need 60.000 €
Well, this is not exactly a mini-loan to get fast money. Is there any chance that you would come to that amount of money? Yes, in the field of personal loans this is also possible, a real estate loan in this amount remains no utopia.
Even with a refinancing. With a classical bank such a demand would have elicited only a tired smile from the bank employee. Financing would be completely out of the question. In the field of personal loans, on the other hand, it may well be that a lender will not agree to lend you the whole sum, though.
But maybe he will be willing to lend you a partial amount. And there is nothing to prevent you from taking out several smaller loans with several private investors. Logically, you must then conclude a separate contract for each individual lender and, much more importantly, you must of course have calculated for yourself whether you can afford to repay several – albeit smaller – installments.
After all, the same applies to private lenders as to a traditional financial institution: in the end, everyone wants to have their own capital, their own money back again.
And if you have signed a contract, private investors will not hesitate to use all legal means to get their money back.
Serious possibility for a re-start
If you have taken all the above points into account, then private lenders will be looking for you, and it is a really good and serious way to get out of a financial bottleneck, without having to completely give up the standard of living that you are used to.
Private lenders have long since established themselves in the vast sea of financial investors and money lenders. Financial regulators regularly scrutinize intermediaries and private lenders. These checks ensure that you are in a legally compliant space with this type of financing. So there's nothing to stop you getting back on your feet with the help of a private lender, and enjoying life again with plenty of fun and pleasure.
Which private lenders you could consider in search of your private loan or your lightning loan, you will find following this article.