Hi, I’m Dominik – founder of this blog! Together with a small (but fine) team of financial journalists, asset managers and stock market experts, I provide you with the best content on the topics of finance and investments.
The links marked with the symbols * or >> are so-called affiliate links. If you purchase or make a purchase via such a link, I receive a commission from the online shop or provider concerned. This does not change the price for you.
Thank you to all my readers for your support!
Sigma Kreditbank is a well-known and popular provider in the area of “loans without Schufa.”
However, some people ask themselves the question: Can you take out two loans at the same time from Sigma Kreditbank? Are multiple loans possible?
After all, the loan amounts at Sigma Kreditbank are not very high yet!
This article shows you what options you have for taking out two loans at the same time – and how you can best do this.
Here are the rules of Sigma Kreditbank on the topic “2 loans at the same timeg“
- Exactly one loan per person is possible at the same time at Sigma Kreditbank.
- The loans are available in amounts of €3,500, €5,000 and €7,500.
- Anyone who has previously only borrowed €3,500 or €5,000 from Sigma Bank can increase the loan to up to €7,500.
- To do this, simply apply for a new loan from Sigma Bank via this subpage >> (e.g. over €7,500) and thereby top up your existing loan.
- If the amount of €7,500 has already been exhausted: In order to receive a second loan from Sigma Bank, the first loan must have been repaid in full. You can only receive more money from Sigma Bank by “topping up”.
- If you have exhausted the €7,500: Then you have to look for an additional credit provider for the second loan: For example, the Ferratum mini loan up to €1,500 >> or the loan broker Bon-Kredit up to €300,000 >>.
Link to the Sigma Kreditbank loan application (new customers & existing customers): https://maxda.de/sigma-schufafrei
– Apply for a new loan there (e.g. in the amount of €7,500).
– This will increase the old loan – because it is not possible to have two loans from Sigma at the same time.
– A second (“additional”) loan can only be obtained from additional credit providers such as Ferratum (up to €1,500) >> or Bon-Kredit (up to €300,000) >>.
Solution: Two loans at the same time – this is how it still works!
Having two loans running at the same time is not that unusual – some savings banks also report this:
“Applying for a loan despite already having one is nothing unusual. Just think about it: if you finance a property, pay off your car at the same time and then use your overdraft, you are already servicing three loans.”
… and if you have good credit, a second loan is no problem at all:
“If you have good credit, getting a loan is not a problem despite having an existing loan.”
… below are the options for taking out a second loan. Alternatively, you can take out a “large” loan with immediate payment instead of two loans at the same time.
Option 1: Schufa-free loan
Instead of two small loans, you can simply take out one large loan! Or if you already have a loan, you can simply apply for an additional “Schufa-free loan”.
Overall, providers often recommend so-called “loans without Schufa”. This can be particularly advisable if your Schufa rating is bad.
However, these brokers can also arrange “loans with Schufa” – you can simply choose the offer that is most favorable for you personally.
Overview: Credit brokers (for loans without Schufa)
Option 2: Take out an additional small loan of up to 3,000
Small loans or mini loans are a popular way to take out a second loan – after all, they allow you to get money quickly.
A mini loan (small loan) does not require a particularly high income. However, mini loans are subject to a Schufa check, which is why people with a very bad Schufa rating should look for another alternative.
Mini loans are available from €50 to €3,000 and with a term of up to 90 days.
Overview: Popular providers of small loans
Conclusion: This is how you can still get a large loan amount
So if you want to get a second loan or a large loan amount, you have several options.
It is not possible to get “2 loans at the same time” directly from Sigma Kreditbank. However, there are other providers that you can use in addition!
Link to the Sigma Kreditbank loan application (new customers & existing customers): https://maxda.de/sigma-schufafrei
– Apply for a new loan there (e.g. in the amount of €7,500).
– This will increase the old loan – because it is not possible to have two loans from Sigma at the same time.
– A second (“additional”) loan can only be obtained from additional credit providers such as Ferratum (up to €1,500) >> or Bon-Kredit (up to €300,000) >>.
Also for large loan amounts and as a second loan: Bon-Kredit instant loan (Schufa-free) >>
– Loans are awarded 100% without Schufa checks.
– Immediate approval: Approval is given within a few minutes after application.
– There, credit is not granted based on your SCHUFA score.
– There is neither a SCHUFA query nor a SCHUFA entry.
– Minimum income: €1,300 net per month.
– Very high probability of being granted credit.
– Data entry in just 3 minutes: With immediate approval.
– In your account within 48 hours.
– Instant payout from €1,000 to €50,000
