There may be many reasons why it is important to get the loan you want without a guarantee. After all, a guarantor is charged exactly the same loan as the borrower. This means that the guarantor is a contingent obligation that can become a problem at the latest if he wants to become a borrower himself. Many potential borrowers have already provided someone else with a so-called friendship service without knowing the consequences.
Therefore, everyone should try to get their loan through without a guarantee, because a guarantee is only charged, even if it is not actually used.
Those who are correspondingly creditworthy, that is, have no negative entries in the Credit Bureau, are not burdened with other obligations and are then still employed, have relatively good cards to get the loan applied for without any guarantor. However, if the income is too low, the employment contract is temporary or the borrower is employed by a temporary employment agency, the chances are much worse for the loan without a guarantee.
It is similar if all the criteria are met, but the income is insufficient for lending. After all, there are many people who, despite working all day, hardly get more than Hartz 4 recipients from the state because there are no minimum wages in Germany. It is almost hopeless for this group of people that they can get a loan from a bank without a guarantor. Unless they are able to provide other guarantees. For example, this could be life insurance with a corresponding surrender value.
Anyone who has made several attempts to get a loan and has repeatedly failed should contact a credit agency. The credit intermediaries work with many banks at home and abroad and are usually much more able to find a bank that is willing to forego a guarantor. However, it must then be expected that interest rates will be somewhat higher than usual, because this will offset the higher risk.