In general, a loan despite salary garnishment by the banks and other credit institutions is not approved and you get no credit. Unless you can deposit a good guarantor as security. Although many credit intermediaries advertise with the slogan: Also to give loans in difficult cases, as it would be for a loan despite salary garnishment, but also there the success is not particularly large.
Such a loan for difficult cases would be a credit free loan.
Although no inquiries or information from the credit are requested or obtained, salary statements are also required in the processing of a loan despite salary garnishment. Then comes the obstacle: On every salary statement, it is registered, if an amount is seized by the salary and then you have the problems again and also gets such a credit-free credit, does not speak a loan despite salary garnishment. So every lender or credit broker gets out, if you have a salary or pleasure pad, without him asking the credit.
So with a German lender you have little chance to get a loan despite salary garnishment. People who really earn a lot of money and the salary lending amount is well below the seizure limit may also have a minimal chance to get a loan despite salary garnishment, since the lender or credit intermediary sees on the payroll that still receives enough money to settle the installments. But then it will be checked with certainty exactly, why it came to salary garnishment.
The foreign credit
If you have a foreign loan, you have a slightly better chance of getting a loan, because they never get any information from the German credit and these foreign loans are often given as personal loans and then also free of debt. In the case of loans abroad, insurance is usually taken out as collateral. But one should calculate exactly whether one can really pay the credit and the insurance premiums, since the debit amount by loan repayment and insurance amount is correspondingly higher than if one would only pay back the credit installment.
For foreign loans, you should do accurate research on the Internet, there are very different offers and there are also black sheep among the credit intermediaries or lenders – these are called loan sharks. But you can find enough information about foreign loans on the Internet, which are also serious and acceptable. There are also serious credit intermediaries who can tell you in advance with just a few details, whether you have a chance to get a loan despite salary garnishment and make an application. Serious information is always free.
Avoid salary garnishment
In order to avoid this difficult situation “credit despite salary garnishment”, one should only accept so much in costs, which one can pay again and again without problems. You do not just have problems getting a loan, it’s also embarrassing to the employer if a salary or a garnishment from a landed at the boss. Of course it can happen that you get into such a situation, without own fault such. In the case of unfaithful disputes or involuntary unemployment. Then you should collect the due maintenance, so you do not get unnecessary trouble.