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SCHUFA first: our route →
The free report, reading the score, cleaning errors — before applying.
Preparation: What the Bank Sees in You
Credit follows history, not passports: SCHUFA, job tenure, stable income. With a year of history it is realistic; on your first contract, barely.
✓ Verified: 15/08/2026
WHAT TO DO
› Details and tips
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Max recommends:
Probation is a stop factor: banks want to see the contract after Probezeit. Applying after 7 months of employment instead of 4 raised my approved limit by half.
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Lea recommends:
Ask the purpose question first: for holidays and gadgets credit is a bad habit, for furniture after a move or a work car a tool. German rates allow it.
FREQUENTLY ASKED QUESTIONS
How much loan can I afford? ▾
The banking rule: all debt payments under 35–40 percent of net income. Your own rule should be stricter: calculate from net minus rent and fixed costs.
Will I even get a loan with a residence permit? ▾
Banks compare permit length with loan term: a 2-year permit and a 5-year loan is a frequent rejection reason. Permanent residence and Blue Card work almost like a passport.
Does a second borrower improve my chances? ▾
Yes: a second borrower or guarantor with stable income and a secure permit clearly raises approval odds — especially with a short residence permit. Both are then jointly liable for the full instalment.
Why do probation applications fail? ▾
Probation means two-week dismissal notice — unstable income to a bank. Most banks wait it out; applying during probation near-guarantees a rejection plus an inquiry trace.