A loan in a difficult phase...

If a SCHUFA record stands in the way, it's almost impossible to get a loan. Be careful on the Internet - there are many black sheep who try to sell you insurance when you apply, or who charge a fee regardless of whether you get the loan or not. If you apply for the loan here, they will quickly and seriously check if a direct payment is possible. You will not incur any costs - take your chance now!