Joonko’s participating banks do not offer loans without a credit score check (e.g. Schufa check). Loans without credit score check are usually associated with higher risk of non-payment. Therefore, you will see higher interest rates and a lack of flexibility in terms of the loan amount and duration. If your credit score is rather low, we suggest you talk to your house bank as they know your financial situation really well and are therefore in a good position to assess your creditworthiness.

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