It is very difficult to get a loan without German citizenship. Even if the seeker is registered in Germany and has a permanent residence here. How the loan can be implemented in spite of all, they learn here.

That’s how it looks right now


A loan without German citizenship seems almost impossible at first sight. The banks simply require German citizenship when borrowing. It must be proven with the help of an identity card or passport.

Despite all this, citizens without German citizenship can apply for credit here in Germany. And the banks and savings banks must not refuse this application from the outset. Because that prohibits etiquette. But in the end it usually comes down to rejection, which of course is always very hard for those who really need it.

But there is also a bright spot. Because a little bit always decides the country from which the loan seeker comes from a lending. For example, those who are domiciled within the EU must be able to borrow in Germany. That is what EU law provides. But those who come from a country that does not belong to the EU have to make do otherwise or hope for the favor of the banks.

Credit without German citizenship – requirements

Credit without German citizenship - requirements

In order to be able to benefit from a loan at all, foreigners must be able to meet the same strict conditions for borrowing as all other potential creditors. This means that in addition to the permanent residence in Germany always a German bank account must be presented. In addition, the prospect must be at least 18 years old.

It is also important that a fixed income is given. The employment contract should be indefinite, so that optimal conditions are met. The same applies to the residence permit in Germany. Again this must be indefinite, so that sufficient time for the repayment of the credit exists.

Credit without German citizenship – loan options

Credit without German citizenship - loan options

If a credit due to the wrong citizenship is not possible, it can only be started with a little trick. It would be possible to arrange the loan with the help of a second applicant. However, this second applicant must have German citizenship and be solvent on top of that. Good friends could therefore help to ensure that the desired loan can still be set in motion.

It would also be possible to simply borrow the loan as a consumer loan from a dealer. Such installment payment agreements are provided in large numbers via the Internet. The traders only check the address and the private credit, and if there are no abnormalities, the loan can be taken out. Even if no German citizenship exists. Because this is not checked.

A difficult way

A difficult way

It is therefore relatively difficult to get a loan without German citizenship on the way. But with a few tricks and adjustments everything is possible.

Our tip: Small loan amounts are always easier to implement than large loan amounts with a long term. Therefore, as a loan seeker, you should always show modesty and not ask for more than you can. This increases the chances of a loan and secures the planned project.