Credit without identity card – alternatives to identity card

A credit card without credit may seem a bit strange at first glance, because you actually always have to identify with a borrowing.

Nevertheless, there are ways to circumvent the presentation of the card. We would like to point out these possibilities at this point.

Reality meets wishful thinking

Reality meets wishful thinking

The conditions for borrowing are usually quite narrow. As a borrower, for example, you have to be able to identify yourself in order to receive the financial support. After all, the bank wants to know who it is dealing with and which person is hiding behind borrowing.

Unlike online contracts, which can be concluded, inter alia, for Internet or telephone contracts without a passport, the banks require a credit card for a loan. Now, however, there are borrowers who do not have a passport or do not want to or can not present it.

The reason for this can be very different and therefore should not be further specified. How do such consumers behave? Do you have a chance of getting a loan without an ID? Or do you have to search for another variant of the fundraising?

Where is the credit without ID?

Where is the credit without ID?

It is not common to look for a loan without a passport. After all, everyone knows that there is no such type of loan. Despite all this, the presentation of the ID card can be prevented with a few legal tricks.

So it is possible to use your own Dispo to provide the desired money in the short term. If the dispo is already set up, you no longer need to audition as a borrower at the bank, but can directly dispose of the money. Therefore, no identity card must be presented. A fast variant for a credit without ID.

Installment agreements with merchants on the internet can also be considered as a credit without a badge. If you order something from a mail order company and pay for the ordered items with the aid of a installment, you usually do not need to present your ID. The input of personal data and the query of credit bureau are sufficient.

At local dealers, however, this looks different. They always ask for a bill of exchange to verify the identity of the borrower.

Is also the passport?

Is also the passport?

If the loan is to be searched without a passport because no current passport is available, the loan can also be taken up with the help of a passport. The passport contains the same personal data as the identity card and thus represents an official identity document. If the identity card is about to disappear or out of date, the passport can be used.

Many banks even accept temporary identity cards. Where the ID has expired and the new ID has not yet been made, a temporary ID can be requested. This is issued directly by the registration office and serves as a bridge.

Compare offers and check options

Compare offers and check options

It is therefore worthwhile to compare different offers and to see if they can be used as a credit without a pass. Often there are more possibilities than expected.

With the help of a loan calculator different offers can be called up. In the details of the respective offers can then be read, which conditions must be provided for the borrowing. This also includes how the identification has to be done.