Unfortunately, in 2016 we are still experiencing a crisis that is pushing up demand for loans without payroll. The work situation of young people under 35 is dramatic, precarious work, atypical ivories and unemployment are the order of the day and despite the forecasts the accounts languish. If for the fortunate ones who have earned a fixed-term job there is the possibility of the assignment of the fifth to get a finance, the only alternative for the remaining part of the population is represented by loans without payroll. But is it really that simple to access these loans?
Loans without payroll and the guarantee
Having access to loans without payroll is not impossible. There are many people who go to the bank or to a financial company to request them, but due to their job position their requests are rejected. Undoubtedly, the easiest way to access loans without payroll is to use an alternative guarantee, namely a guarantor who has the requisites that the applicant does not have: permanent employment, securities, real estate, etc.
Loans without pay for everyone
Precisely because of the crisis, however, we have witnessed a proliferation of loan offers without payroll. But not all that glitters is gold, in general many of these offers turn out to be real mirrors for the larks that attract the customer and then ask for other types of guarantees. However, there are loans without a pay slip and without additional guarantees, which, however, make their customers pay dearly for the risk of customer insolvency to which the institution is exposed. In fact, the risk of insolvency for an institution that finances loans without payroll is generally higher than other types. Consequently the interest rate that will require you will be greater, so be careful to note the TAN and APR of the proposals that will make you.
Loans without payroll: who to pay for?
The institutions that provide loans without payroll are numerous, and each one uses different criteria and risk policies that also vary the repayment plan, the monthly payment but above all the maximum obtainable capital. This means that if you need a certain amount of money with a high amount, you need to request estimates to find the bank that can offer us not only one of the loans without a paycheck, but above all the capital we need. Below is a list of the major institutions that offer them:
- Astrofinance. More than loans, it provides credit cards without pay;
- Cleopor. Loans without pay and / or flexible for young people under 33;
- Ease loans. Loans for free prefessionists and self-employed workers.