Loans in 24 hours without paycheck: what are the current offers
Personal loans without a paycheck are a very advantageous solution for those who do not have a demonstrable job or income but need immediate liquidity. They are provided both by banks and to be financed. Unlike “finalized” loans, personal loans are free from the figure of the partner: there is no need to justify the expenses derived from the loan. The consumer without a paycheck is free from the obligation of destination and can obtain sums, even if not too high, to be used to their taste and liking. These loans are aimed at those who are unable to certify an income resulting from dependent work, or rather a large slice of society: unemployed, young workers, students, self-employed workers and housewives. So wanting to buy a new car, for example, even if you don’t have a job, or wanting to make an extra purchase for a housewife, or wanting to keep your studies without weighing on the parents’ shoulders, is no longer a distant dream: with the personal loans without paycheck you can.
Fast loan in 24 hours: Guarantees necessary to obtain it
If the paycheck is no longer a problem for the consumer, there is still a need for other guarantees to obtain the loan in order to reassure the lender about the ability to repay the debt. It is clear that this type of financing must adapt to the needs of a large number of categories of citizens, consequently also the type of guarantee requested changes according to the consumer requesting it. It should be underlined that it is in no case admitted to be ” bad payers ” to the CRIF (Central Financial Risks) neither for the direct consumer but for a possible guarantor.
What are the guarantees required to get a fast loan in 24 hours? Having a Guarantor or Guarantor: a guarantor is a person who officially undertakes to pay the debt if the direct consumer is no longer able. The subject in question must have an excellent credit profile, or in turn must have solid guarantees to face any repayment to the bank. Mortgage guarantees or pledges : the mortgage on a property owned can be a valuable aid in obtaining the financing that is needed.
But be careful: for small loans it is very difficult for the loan to be granted, since a “partial” home mortgage is not very convenient for the bank. In most cases it cannot cover the full repayment of the debt. Pawn as collateral : Pawn credit is ideal for consumers without a paycheck. Owning valuable assets such as jewelery or precious stones to be committed can yield immediate good liquidity. The Single Model : for self-employed workers, the Single Model, or the ordinary model for the declaration of debts which attests, even without a paycheck, regular income in recent years (better still, declarations of at least the last three years) can be an excellent guarantor for the assignment of the loan by the credit institution.
Alternative annuities : for those who do not have a paycheck but an annuity holder, there are still good chances of obtaining a loan. This is the case, for example, of unemployed and divorced wives who receive a monthly maintenance allowance from the spouses, or of those who have invested a small amount of capital that earns constant income.
Bills of exchange : for loans with exchanges, the bank may decide to seize the assets in the event of bad payment of even one installment, for an amount equal to the amount of the installment or installments missed. No legal action is required in this process, such as a conviction or injunction.
Loan offers in 24 hours without paycheck in progress in 2018
There are various and valid offers to consider for loans without paychecks in 24 hours.
Here, based on the recipients and based on the guarantees chosen, a list of the most convenient loans of 2018:
Findomestic : is a company that is part of the Intesa BNP Paribas Group and allows you to apply for the loan also online with the digital signature option. The loan granted can go up to 30 thousand USD to be repaid within 10 years. The guarantee of the guarantor is approved as an guarantee: an ideal loan for young people, students, or for those who own a property. With Findomestic loans without paychecks, it is also possible to change the payment method of the online installment in case of difficulty in paying.
Astro finance loans without paychecks : it is a very flexible credit agency in terms of installments and debt relief. The financing granted also in this case can go up to 30 thousand USD. There are various types of concessions on the installments offered by Astro finance: Jump method, or the possibility of skipping an installment once a year; Total Flex option that allows you to reduce one installment and skip another, once a year; Round Digit method which allows you to agree on the amount to be paid for all months, including acquittal costs. This type of loan can be very convenient for self-employed workers or online freelancers, even for artists and creatives.
Cream bank : is an Italian financial company that operates in the credit supply sector and creates tailor-made loans for both unemployed and students. The guarantees accepted for the sale of the loan are: Guarantors or Guarantors; Model 730 showing bank movements in the previous year; properties or other values that can act as a “pledge”. You can read more about Cream bank loans without a paycheck in the appropriate section.
Capital Lender : it is a company that deals with the management of the postal service in Italy, but is also operating in the financial sectors. The loan granted by the Capital Lender Office even without a paycheck and guarantor is the Best bank Mini Loan: to request it, you simply need to be a Postepay Evolution holder and present the Model 730 that certifies an income. The sum is credited directly to Postepay but the amount is somewhat contained: it starts from a minimum of 1,000 up to a maximum of 3,000 USD to be returned within 22 months.
However, keep in mind that a loan without a paycheck in 24 hours will generally require an interest rate higher than a finalized loan.
Loans in 24 hours: beware of scams
In times of economic weakness, you know, prevention fades and recklessness can take over. But we must immediately realize if we are faced with a prejudicial situation: scams with loans, practices that are widespread especially online, have been an increasingly growing danger for consumers in recent years. To safeguard yourself, you need to evaluate the type of offer that is proposed:
- First of all be wary of a type of offers that are too easy and convenient.
- Be wary of offers with too low interest rates.
- Be wary of simple offers but with too high interest rates that could be out of business or usurious.
- Have a written quote, consult the information forms and carefully view the contract.
After reading this article, the consumer has all the tools to choose the loan that suits him and that best suits his needs. It must always be kept in mind that the choice to make a loan must not be rash or taken superficially. After an analysis of the type of loan to be requested is made with confidence and lucidity, with greater serenity you can take advantage of immediate liquidity and thus realize a small dream that previously did not seem possible.