Apply for a loan without payroll fast and online. The best loans without payroll for this year 2020. Loan without payroll, without paperwork and without explanations. Money loans with no fixed income! Consult all the information that we provide here before contracting any loan and / or use our loan comparator to see the offers of credits without payroll in 2020.
Get credits without payroll quickly, easily and transparently
In these difficult economic times, fast online payroll loans are the ideal solution to solve any problem that arises.
Fast payroll-free credits have their advantages and disadvantages, which largely depend on the situation of each applicant. Therefore, before requesting them, it is necessary to verify what the real needs and conditions are to pay.
Quick loans without payroll or endorsement
The lenders we work with here offer quick online payroll loans and mini payroll loans ranging from 50 USD to 1,000 USD, although there are also some that can offer up to 80,000 USD in personal loans. These urgent loans without payroll are requested through the form found at the top of the web.
Find the best payroll-free loans at Good Lender. Here you can have fast loans regardless of payroll, without endorsement and being in Credit Financial Institution. Apply for personal loans without payroll and property and receive the money in your account today. Decision instantly. Access your updated list now and ask for the best loan without payroll for you. Fast, easy, safe and 100% online money.
Who are good candidates for quick credit without payroll?
Generally they should be those people who do not have a payroll and who either earn nothing or earn more money than they spend, but who need extra money to solve a specific need in order not to affect their family budget.
This especially works when you have to meet some unforeseen expense and you do not want to be too limited of resources, such as paying a medical bill, buying a spare part for the car, etc.
Those people who are used to spending more than they earn are not candidates for any kind of online credit, much less those who are quick, because this money is very tempting in their hands and they will surely not be able to pay on time.
It must be remembered that loans without payroll, due to their immediate access, usually have interests and requests for guarantees that do not have the usual bank loans. And so those who are always in debt must put their finances in order and undergo financial discipline before opting for a loan without payroll.
Characteristics of credits without payroll
Almost all companies that offer quick loans without payroll usually ask for guarantees to reduce the risks and guarantee that the money loaned will be returned to you.
One of these guarantees is a financial balance or a work certificate, that is, the applicant must demonstrate that he has a fixed monthly income and show how much he earns monthly to guarantee the quick payment of credit online without payroll.
However, this requirement is impossible to fulfill for those people who are not anyone’s employees and have their own means of earning a living.
Many small merchants, artisans, technicians, private tutors, plumbers or people doing home repairs, caregivers, cleaners, etc. fall into this category here.
These people could present a balance guaranteed by a public accountant that certifies how much money they earn monthly, but there are other companies that offer the form of loans without payroll, that is, they do not need to have a permanent job or demonstrate it to be able to access financial aid..
Payroll-free credits, subcategories:
They are those loans that are granted to independent workers who, although they do not have a formal job, maintain a monthly income of enough money to be able to pay any loan.
These can demonstrate it as we have already commented through the presentation of a financial balance endorsed by an accountant, or through any other reference, such as a pension, that shows that you do have sufficient monthly income to pay the loan.
Credits without payroll or guarantee
They are those loans that are given to those people who are not on any formal payroll nor do they have a way to present a guarantee that they receive money monthly.
This type of personal credit usually has fewer requirements, but many times lenders may ask for some type of payment guarantee.
Payroll loans with Credit Financial Institution
Just as there are lenders who grant fast loans online without payroll or guarantee, there are also those who can make loans with Credit Financial Institution.
This is because many people have appeared on this list of defaulters when they really do not deserve to have been there, as for example there have been cases of people who have been late with the payment of a fee for electric or mobile phone service and inexplicably have have been included in Credit Financial Institution.
This practice is common in many companies and they do it to pressure the person to pay the past due fee, although this practice is really unfair, not to say another stronger qualification, since many people have been punctual in paying for their services. of electricity, water, gas, telephone, etc. But it is only enough that it has been delayed by a month to appear on the Credit Financial Institution list.
Appearing in Credit Financial Institution can affect the line of credit with any bank in the country. But not with online fast credit companies, which are aware that not all people with Credit Financial Institution deserve or should be on that list. So they only ask for certain basic requirements to approve quick credits online without payroll.
What are the basic and general requirements to opt for a credit without payroll?
- Be over 18 years old.
- Present the NIE or National Identity Document that guarantees you as a Spanish citizen.
- Have residence in Spain.
- Have a bank account where the money will be deposited once the credit without payroll has been approved.
- Provide a phone number and email address.
If necessary, present a guarantee or document that certifies the monthly income, such as payroll or the collection of a pension. This requirement does not apply to those lenders who do not request it.
It should be clarified that some companies offer so-called loans without payroll or credits without payroll free or without interest, at 0% interest if the payment conditions have been met.
For example, if you get a free loan of $ 50 to pay them in one month and the beneficiary meets the payment in the agreed time, you will not pay interest. But if the time is exceeded then you will be charged interest, including late fees.
This type of free credits without payroll are usually to attract the attention of many people, but you must read the fine print of the contract very well to verify that the lenders are not going to offer money without obtaining some type of profit.
Online non-payroll credit companies also have their own payroll to pay and their owners also have their own expenses to pay, so it is normal that they want to make some kind of profit from the service provided.