Loans Without Payroll or Guarantees: Online Financing 2019

Are you a student, an unemployed person, a housewife or a self-employed person looking for information on Loans without a paycheck? The request for information for this type of financing is increasing. For this reason we thought of creating this updated guide to 2019, where we will write all the information on online financing.

Obtaining a Loan from banks or financial companies if you do not have a paycheck is very difficult, but as you may already know if you have alternative guarantees, everything is much simpler.

What are payday loans?

What are payday loans?

As the name suggests, the Loan without paycheck is a type of financing that the credit institution grants to the user who needs liquidity, but does not have a paycheck that proves ownership of an income, as in the case of workers. employees.

There are other ways to obtain the necessary liquidity, such as unsecured bills of exchange or other forms of personal financing. In Italy, the situation regarding unsecured loans has improved a lot in recent years. Read on and find out all the details.

How to get them

How to get them

Loans without online paychecks or guarantees can be requested by all those who are not in possession of a paycheck or without demonstrable income but who wish to obtain immediate online loans. Fast online loans, there are various types of this type of financing:

  • Loan to Housewives
  • Loan Without Guarantees
  • Loan Without Income
  • Loans to unemployed

In applying for a personal loan without a paycheck, the fundamental requirement is to have guarantees, for example in the loan assignment of the fifth, the salary or pension is guaranteed as the installment is withheld directly from the paycheck or pension.

In targeted loans, i.e. all loans aimed at the purchase of an asset, a car, a motorcycle or a simple household appliance, the guarantee is represented by the asset itself.

Loans Without Pay slip and guarantor: what guarantees are needed?

Loans Without Pay slip and guarantor: what guarantees are needed?

How to get fast loans without guarantor? Since there is neither a salary with an envelope nor a purchased good, you must have different guarantees, a property owned, on which you can affix a mortgage or a person willing to act as guarantor by signing the contract as Coobligent, something well seen from banks and finance companies.

In the case of the need for loans without income, another possible guarantee could be the presence of a policy on the life of the applicant. All these elements that represent guarantees make the bank have a lower perception of risk and therefore are more favorable to grant loans without guarantor and without a paycheck. At your disposal there are online loans without guarantor.

Having one of these guarantees it will be possible to apply for a loan without having to have a paycheck, which must be repaid through monthly installments.

Main characteristics of the loan without paycheck and without guarantor

Main characteristics of the loan without paycheck and without guarantor

The online loan without paycheck has the same characteristics as personal loans, therefore: constant installment and duration for the entire contract term, fixed or variable rate even if in some cases there may be limitations on the amount that can be requested which could go as far as at $ 5,000.00.

Young and unemployed

Young and unemployed

For young and unemployed people, there should be a separate discussion as there are many concessions such as Loans without paycheck and without guarantor. In fact, especially for young people, it is possible to find loans online without a paycheck and guarantees if they are required to continue their studies.

For these two categories: “young and unemployed” there is a dedicated form of financing, or non-repayable loans, such as ” honor loans “.

Offers personal loans without paycheck 2019

Offers personal loans without paycheck 2019

Let’s see together where you can apply for a loan without a paycheck. Currently on the Italian market there are many financial companies that offer loans without paychecks such as Cleopar or Poste Italiane. Below we see what are the main options of online loans, fast loans without paychecks.

Cleopar

Compass

Loans without Cleopar paycheck: typical example of a loan without Cleopar paycheck with the YOUNG loan, dedicated to young people up to 32 years of age where the installments grow steadily from year to year. Thanks to this mechanism you will have the possibility of having extremely low installments in the initial phase. Another proposal concerns the agos loan without a paycheck.

Italian post

Italian post

For lower figures, i.e. with a maximum of $ 1,500.00, we find Italian post which through SpecialCash Postepay, an offer reserved for cartapostepay holders, gives the possibility of obtaining three different amounts, 750.00, 1,000.00 and 1,500.00 USD.

This is the summary table of the three plans available:

Total credit amount 750 USD 1,000 USD 1,500 USD
Contract duration (monthly installments) 15 20 24
Fixed monthly commission for disbursement 4.50 USD $ 6.00 $ 9.00
Monthly installment amount 54.50 USD 56.00 USD 71.50 USD
Total cost of credit * 85.50 USD 138.00 USD 234.00 USD
Total amount due 835.50 USD 1,138.00 USD 1,734.00 USD
Fixed TAN 0,00% 0,00% 0,00%
APR 18.21% 16.51% 15.46%

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