Due to the crisis that has plagued our country for years, the number of requests for loans without payroll and guarantees is increasing. We will see in this post how to find them, which to choose and how to get them.
Let’s start by saying that although there are some loans without payslips and guarantees provided by some institutions, these are extremely difficult to obtain and only rarely disburse substantial amounts, in short, they are forms of financing suitable for covering small expenses and small costs.
Furthermore, to apply for loans without payslips and guarantees it is essential not to be reported as a bad payer, insolvent, protested or distrained at any of the databases that register these states. An excellent “debit curriculum” will be fundamental, to put it shortly a high number of loans requested and paid within the deadlines will facilitate, and not just, the request for one of the very few loans without payroll and guarantees available on the market.
What are loans without payroll and guarantees?
We have said that with this type of financing it is not possible to obtain a high amount, which are difficult to obtain and that not all institutions provide them. The loans without payroll and guarantees available on the market are essentially of three types: loan repurchased, loan finalized and loan through revolving cards.
- Loans that have been loaned, such as loans without payroll and guarantees, are undoubtedly the easiest to obtain. In fact, although they generally do not require any income document or other guarantees, they are issued with bills of exchange. And it is precisely the bill of exchange, which, being an enforceable title that represents the guarantee for the creditor. Among the loans without payroll and guarantees, the loans issued are those that pay the highest amounts;
- The targeted loans, such as loans without payroll and guarantees, are generally loans aimed, precisely, at the purchase or payment of a good or service. These are loans for small amounts, which rarely exceed 3,000 euros, and which can be requested directly when they are purchased. The finalized loans are granted in a very short time and are among the simplest to obtain.
- Loans with revolving cards, such as loans without payroll and guarantees, are undoubtedly a novelty in the world of Italian credit. These are credit cards that give the possibility of having a credit line, agreed in principle, always with you and just a click away. Obviously, not all revolving credit cards can be used to provide loans without paychecks and guarantees, however, once obtained, if the guarantees and the pay packet are lost, they will continue to provide credit.
How to find loans without payroll and guarantees available?
We have already said that this type of funding is not provided by all institutions. For example, as regards the disbursement of loans without finalized paychecks, Astrofinance is certainly the queen. On the contrary, instead, as far as the loan is concerned, it will be preferable to go to the branches of Banks and credit institutions.
The golden rule for asking for a loan without pay and guarantees will be patience. Look for the ideal solution in every institution, knowing that this type of financing has much higher costs.