Direct lenders for bad credit payday loans – Get a payday loan with bad credit

Winnie offers various types of loans. Everyone should find something for themselves in this company. If, however, you are still wondering whether the proposal of this company will meet your expectations, check what Winnie told us about its customers.

Get more info here and get a payday loan with bad credit

The new customers of this lender will surely be satisfied with Winnie’s timing. They will borrow as much as PLN 1500 for free. Currently, it is one of the largest amounts that can be obtained at no additional cost.

If, however, it is not enough for us, the company can give us as much as PLN 2,000 on the first loan. What’s more, we will have two months to return such a loan. Winnie realizes that putting so much money at the same time can be embarrassing for the client. Therefore, the company has paid off the payment in two installments.

And if 2000 PLN is still not enough for us? Then our company will offer to you bad credit loans. Thanks to bad credit payday loans published on PaydayRelay, you will be able to borrow up to PLN 5,000.

As you can see, the company offers various solutions to the client. So there is a lot to choose from.

Advantages and disadvantages of payday loans at Winnie

Help us to complete this list! Describe your experience with Winnie in the comments below. All customer reviews and stories are read by us and taken into account when issuing opinions about the company.


  • variety of products – payday loans or installments
  • free minute for new customers
  • the high amount of the first minute
  • possibility to pay the maximum payday (PLN 2000) in two installments
  • payday up to 60 days
  • the offer of installment loans with a repayment period of up to two years
  • the option to extend the repayment of the loan
  • reduction of the cost of the loan in the event of its early return
  • payday even up to 10 minutes on your account
  • The hotline is open seven days a week


  • the loan can be extended only for the period for which it was taken
  • high costs of further loans
  • high costs of extending the repayment date
  • high costs of payment orders
  • customer control in the debtors’ registers

Stork Loans – One of the most popular non-bank long-term loans

It is time to present another company providing non-bank loans, the name of which should be perfectly known to those seeking such loans. The stork, like the Nominent company, has been operating on our domestic market for over a dozen years.

And although Nominent has recently made a number of interesting facilities towards the customer in the form of even monthly installments or raising the limit of loans, the offer of Stork has been unchanged for several years.

How much will we borrow in Stork?

How much will we borrow in Stork?

The offer currently includes loans from PLN 300 to PLN 6,000. The loan can be combined in a weekly cycle, so we repay the loan installments once a week on an agreed date and time            (similarly to the Nominent offer in the home option). The loan repayment period can range from 18 to 62 weeks.

Cash or Bank Transfer?

Cash or Bank Transfer?

Similarly to the Nominent, there are two repayment options, namely Cash in the form of repayment of loan installments with us in the flat, for which a company employee will report every week and a bank transfer by means of which you can pay the weekly loan installments, transfer both online and in the post office or in a bank.

Borrow costs.

Borrow costs.

Of course, these two options differ mainly in terms of costs and, as you can guess, the Cash option will be much more expensive to pay. Below we will show this on the example of a PLN 2000 loan with a repayment period of 62 weekly installments.

Cash option: weekly installment: 73.55 PLN, total for repayment: 4560.1 PLN
Transfer option: PLN 44.59, in total: PLN 2764.58

As you can see, the difference is colossal and if borrowing in the transfer option is quite profitable as for a non-bank loan and with a relatively long repayment period (over 1 year), the cash option is not an offer worth recommending due to costs exceeding twice the amount borrowed.

Loan without intermediaries and advance payment

A loan without intermediaries and prepayment is probably the desire of every borrower. And actually one should be able to assume that each reputable credit has these characteristics.

But is that really so? And when does the desire deviate from reality?

What does a conventional loan offer look like?

What does a conventional loan offer look like?

Credit without intermediaries and advance payment – fast, direct & secure

Who takes up his loan without help and also sets fair offers, will always be able to use a loan without intermediaries and advance payment. Because this form of credit is the classic and thus most widely used form of credit.

In our day and age, it is also very easy to find good loan offers without intermediaries and above all without prepayment. Even if the requirements of the borrower are not so ideal.

Anyone who does not get involved in advertising promises and even takes the search into their own hands is always on the safe side. For the search for a loan without intermediaries and advance payment our credit calculator should be used.

It only shows credit offers that do without intermediaries and no prepayment. All offers can therefore be classified as serious and fair.

Credit without intermediaries and prepayment – problem solutions

Credit without intermediaries and prepayment - problem solutions

Despite the good conditions prevailing on the credit market today, there are still consumers who do not avail themselves of a loan without intermediaries and cash in advance. Mostly unintentional and out of ignorance, they engage in promotional offers that are expensive in the end and do not allow the individual decision of the borrower.

A few years ago, it was still common to borrow large amounts of credit via an intermediary. The “financial experts” knew the market and could tailor a suitable loan offer.

At that time, there were also no comparison computers on the Internet, which have made a quick overview of the individual offers possible. In addition, borrowing via the Internet was not widespread. The mediator was therefore the convenient solution, because he was familiar with the matter and has worked accordingly.

Why a prepayment?

Why a prepayment?

Even today, there are still loan offers that do not provide credit without intermediaries and advance payment. They are gladly advertised when the creditworthiness of the borrower is bad and therefore he is urgently looking for a loan offer.

The classic way is hardly possible because of the bad credit rating, because the banks do not lend, if the credit rating does not fit. Concerned then cling to each straw.

Even if it is served by a mediator. These mediators – in this case dubious – are promising credit even if their credit rating is poor.

Whether unemployment is present or the private credit is negative through debt – a loan is always possible. In order for this loan to be found, the credit interested party must pay a prepayment to the intermediary.

A trick, because every mediator knows that he can conjure up no credit under bad conditions from the hat. Therefore, a loan that goes hand in hand with intermediaries and prepayments can always be called dubious.

Because in the end there is no credit and the advance payment is gauchsch.

How can this be bypassed?

How can this be bypassed?

To make sure that the offer of credit offered is in any case a loan without intermediaries and advance payment, one should always make sure that there is direct contact with the bank. There should be no cash flow before signing.

Also, the conclusion of insurance or subscription in advance, which should improve the creditworthiness, should not be signed on the advice of an intermediary or consultant. If a residual debt insurance or term life insurance is required, this can be taken out by the borrower himself directly with an insurance company.

There is no need for mediation because every consumer has the right to contact the relevant suppliers themselves. Whoever observes these things and does not rush the selection of a loan offer, will not fall into the trap.

A loan without intermediaries and advance payment is and remains a matter of course and should therefore always be used.

Fast Personal Loans Online 24 Hours

Personal loans allow you to receive money for what you need quickly and personalized. You choose the amount and the return period, up to $ 100,000 and up to 48 months , while we help you find and find the money you need. A personal loan is a relatively small amount, which means that you can return it without fear and without problems.

With Urizen you will receive your first credit without commissions, a true 0% if you have never used our services and you have never received money through our partner lenders. Your answer arrives in 15 minutes and you will have your money in less than 24 hours, requesting 100% online without leaving home. Many people turn to credit cards for their unexpected expenses, but the advantage of personal loans is that you will not have to pay excessive interest.

We offer you personal loans without interest if you are a new client. Urizen is looking for the best credit offer available in the market in a matter of minutes. We function as an intermediary, helping you receive money easily from the leading lenders in Mexico. You just have to fill out your application and we’ll take care of the rest. Requesting today will have your money before the end of the day!

Why choose personal loans?

personal loans

Requesting personal loans is one of the best ways to get money without waiting and without going to a bank. The whole process happens 100% online and you can do it using any device contacted to the network, for example, you can request personal loans using your mobile, laptop or tablet . Your online credit can be used to solve any unforeseen problem or problem without having to give any explanation.

All you have to do is fill in your application, review your credit offer and accept it on the website of the chosen lender. You can choose the term that best suits you to return your money and you can always request another loan once your data is saved under your customer profile. With up to $ 100,000 you can enjoy life , pay bills, solve unforeseen events and treat yourself.

Different types of personal loans

Personal loans adapt to your needs. We look for the best credit offer according to your data and your needs. In the world of online financing there are two types of loans: secured and unsecured loans. Urizen offers unsecured loans, which makes it easy for you to receive your money quickly without any questions, but that also means that your credit can carry interest if you have already applied for loans online in the past.

Our search system looks for a personalized credit offer reflecting your needs. It only takes a few minutes to fill out your application with basic information and information including your bank account (IBAN) where you want to receive your money and your CURP. Then, we send your request to the most recognized lenders in the country, and we will show you the best offer available in the market in real time.

Submitting your application with Urizen is very easy. Normally, your response takes about 15 minutes to arrive and your money arrives directly to your bank account in less than 24 hours after accepting the loan offer offered on the lender’s website.

We work with a large number of lenders willing to offer up to $ 100,000 without any guarantee . If what you are looking for is fast money without questions, in Urizen you will find the solution for your problems. Trust us and let us help you.



Do you need a mini loan? In Urizen we have the solution! We adapt to your needs, unforeseen and difficulties. We are a company dedicated to solving personal financial problems. Before applying for one of the loans we offer on our platform, you should know the answers to two questions: how much money do you need? and when can you return it?

Loans: guaranteed and unsecured. Which one suits me?

Loans: guaranteed and unsecured. Which one suits me?

To obtain secured loans it is essential to have some type of guarantee or guarantee . Normally it is not possible to receive a loan without an endorsement, either a person who guarantees to pay your debt in case you can not return the money or a mortgage on real estate. Therefore, by not making your payments related to a guaranteed loan, you run the risk of losing the assets you have given as collateral.

The main advantage of secured loans, besides being able to have higher amounts for longer periods, is that the interest rate is usually lower and can be fixed or variable. The most common uses of secured loans are purchases of high value real estate, such as the purchase of a house or car.

To obtain unsecured loans you do not have to give any kind of explanation and you do not need to present a guarantee . You will not have to mortgage your assets or give any kind of guarantee, but if you do not comply with the payment, you can have other serious consequences.

Applying for an unsecured personal loan is an easy way to receive quick money compared to processes that include receiving a secured loan. Urizen offers you unsecured loans (without collateral) of up to $ 100,000. This is the simplest way to get money instantly. You can return it comfortably, paying in installments, directly to the account of the entity who offered you the loan.

Fast Personal Loans

In Mexico, banks no longer grant personal loans easily and quickly. Getting cash without questions and without documentation has become almost impossible. It is increasingly difficult to resort to a financial institution. Banks ask for many requirements, and if you do not have a fixed income, you can forget about receiving a personal loan without an endorsement.

Urizen offers you an immediate solution: fast personal loans. Simply have a bank account in Mexico and a national identity document such as the CURP in order to make an application and enjoy quick personal loans. We always offer you the best mini credit offer instantly available at that moment in real time, without paperwork and without questions.

Quick personal loans: an effective way to get cash

Our quick personal loans come directly to your bank account in less than 24 hours. This means that you can enjoy your express money through your bank card (for online purchases) or cash, taking money from an ATM. This is one of the advantages of receiving this type of express credit.

Anyone, whether you have a job or not, can apply for one of our fast personal loans online, for whatever. Unlike conventional banks, lenders of fast loans offer an almost immediate response that allows you to know in a matter of minutes if you are eligible to receive a loan online or not.

Comparison of credit: a new way to save

Comparison of credit: a new way to save

Our platform works like a search engine, comparing and reviewing the best credit offers available in the Mexican market. Credit comparison companies like ours help you find and find the best personal loan available in real time.

Our technology uses your data provided in the application to find a personal credit, tailored to solve your problems. In addition, Urizen always teaches you the most important and relevant information to your offer so that you can make an accurate decision without hesitation.

Personal Loans Online

Online personal loans are the easiest and most convenient way to request money. With Urizen you can receive your money without leaving home using any device connected to the internet. You can get your money from the couch in your house! Our platform works with all your devices, including your computer, mobile, laptop or tablet.

Applying for a personal online loan works in the same way as a quick money request. You just have to go to our website and you will see our online loan calculator right away. When you have chosen the amount and the term, click on request!

After filling in your information, you will receive your answer in just a few minutes. If your answer is positive we will show you the offer with the most important information. You will see a summary of the credit offer chosen for you and you will be able to clearly and transparently review the interest rate (or lack of interest) and the repayment term of the loan.

Urizen and personal loans online

personal loans

Being a new client, you can request up to $ 100,000 without interest, a true 0% and return it within a period of up to 48 months. We trust in long-term relationships, so our personal loan adapts to your needs. If after having requested money with us you are happy and decide to do it again we can negotiate higher amounts.

We want to have a relationship of mutual trust and commitment with our clients. For this reason, we commit ourselves to the agreement. In addition, we only need you to be between 18 and 80 years old, a national identity document or residence permit, a contact telephone number, an email address and a bank account in Mexico. As simple as that! Without more complications.

Another advantage that personal loans have online is that it is not usually necessary to present any type of guarantee. We do not need to see your payroll, or have an endorsement or mortgage. Simply by answering a series of questions and filling out our online application, we will evaluate your particular case and give you an answer about your chances of receiving the money you need. By applying now you can enjoy your money before the end of the day.

What are the advantages?

One of the advantages of applying for a loan through our platform is that we do not need to know what you need the money for, or where you spend it. Personal loans are custom made and we fully trust our customers when processing their applications.

In addition, with Urizen you can receive your personal loan even if you are on the desk and have been rejected elsewhere . To receive your money online you will not have to provide a payroll, guarantee, endorsement or any additional documentation . We offer your loan without questions, easily and quickly.


Loan advice: how to choose the best loan

Loan consultation – choose the best loan

Loan consultation - choose the best loan

A loan consultation can help the client choose the best financing for his needs, comparing the costs and benefits of the practice. Choosing a loan is never so simple: especially since countless online loan offers are available on the internet, it is no longer enough to go to the branch of the trusted bank to access credit. Customers today want to choose the cheapest offer. At the same time, it is easier to get confused between the technical characteristics of the loans and decide which to adopt with confidence. This is why consultants exist, who can act as guides in the complicated world of credit.

A consultancy serves first of all to study which type of financing is best suited to the client’s needs: therefore, there are also more specialized branches, such as that of mortgage consultants who specialize in financing for the purchase or renovation of a property. Once you understand the customer’s needs (for example, wanting to buy a home instead of paying a rent) the consulting firm will be able to examine various financing hypotheses for you, until you find the best loan available.

What to expect then from a consultant? The service would probably start from an exhibition of the best offers on the market: the consultant is more familiar with the sector than the client, given that he is a professional , and can guide him towards the most suitable offers for the duration of the loan, interest rates and repayment of installments. The loan will be calculated directly by the professional, who will then be able to give you a complete and detailed picture even before contacting the bank. Or, you can turn to consulting after having already collected some offers on the market, making them check to avoid unpleasant surprises.

In concrete terms, after this first phase of checking the offers, a loan consultancy can deal directly with the management of all the loan-related procedures, maintaining relations with the bank and avoiding the client wasting time. Furthermore, the professional can give his opinion after checking the contracts prepared by the bank, protecting the client’s interest.

Loan Payment Calculation: Find Out How Much You Pay For The Loan

Any financing is for consideration, this means that a sum of money borrowed from a bank or a finance company must be repaid plus interest costs.

Calculate the loan installment

Calculate the loan installment

But how is the loan payment calculated? What costs do I have to pay for my loan? If you want to calculate the loan installment and the various costs, continue with our article.

In addition to interest, it should be pointed out that normally a loan also includes other costs, although the interest represents the main one. They consist of the costs of preliminary investigation, of sending at home, any notary fees, insurance or technical expertise (see the case of real estate loan), etc.

These other costs can have a profound effect on small loans, ie low-value loans. This is the reason why the APR of a low-value loan tends to be much higher than its TAN.

The first, in fact, expresses the Global Annual Effective Rate, ie it measures all the costs related to a loan. The second, Net Annual Tannoy, indicates only the cost of interest.
To calculate the amount of an installment, you must have three elements in mind:
– the rate applied (we omit, for simplicity, the other costs)
– the capital sum borrowed
– the duration of the loan

On the web there are different sites on mortgages, loans, etc., which guarantee an exact installment loan calculation, inserting precisely these three data, even if it is always better to read carefully the contracts stipulated in the agency and get a statement with detailed costs.

Attention, however, to the type of rate applied. In the case of a personal or finalized loan, a fixed rate is generally applied, ie not variable over time. But if we talk about the particular type of mortgage loan, above all, the real estate one, here the rate could be variable or mixed.

In the first case, this means that it varies with changing market conditions, being tied to the three-month Euribor, therefore, the installment may increase or decrease in the monthly or periodic amount, based on changes in the rate.

In the case of the mixed rate, it is, instead, in the presence of the possibility for the debtor / borrower to pass from the fixed rate to the variable or vice versa, exploiting the opportunities of the market in his favor, possibly within the limits specified in the contract.
In general, whatever rate scheme is applied, each installment will consist of a principal portion and a portion of interest.

The former is growing over time, while the latter decreases. This, because at the beginning the interests are applied on all or almost all the sum borrowed, therefore, they absorb almost all the installment to be paid.

As the repayment takes place, the disbursed capital is paid, therefore, the interest affects a decreasing sum and will have a lesser impact on the installment.

Ultimately, as stated above, for a correct calculation of the loan installment, check carefully the documents issued by the financial company or by the bank when the contract is stipulated!

Mini Loan – Small Loan

A mini loan is a small loan, which you can often request without BKR testing. How much can I borrow with a minimum loan? What are the costs of a mini loan? With a minilening money borrowing with BKR registration is also possible. Where do you close a minilening?

Why a minilening?

Why a minilening?

A mini loan is useful for closing for a number of reasons. First, you have the money very quickly on your account, sometimes within a few hours. You can even borrow via email, without hassle. Also a minilening is useful, because often no BKR testing takes place or because one looks further than that negative BKR registration. A mini loan is also flexible, because you can even apply for it on Sunday. Furthermore, the minilening is useful, because the maturity is very short, which means that you are quickly off your loan.

Please note: you must be able to pay off the loan on time, so as not to incur unexpected costs.

How can I apply for a mini loan?

How can I apply for a mini loan?

You can easily request a minilening, for example by email. No paperwork is required for this, because the rest of the application is done online. Borrowing via email can, for example, be with providers such as Zaloan, and at To apply for a minilening you can compare the conditions of the different providers. So you know well what the differences are between providers of minilining and you can make an informed choice for a minilening provider.

Minilening with BKR registration

Minilening with BKR registration

Borrowing money with BKR registration can be done with a small loan through a minilening. Many providers of small minilines offer their minilings without BKR testing, so that if you have a negative BKR registration, they can still borrow from them. If BKR is tested, more is looked at, so your loan is not immediately rejected.

Minilening without BKR testing

Minilening without BKR testing

When you have a BKR registration, it is sometimes very difficult to get a loan anyway. It seems as if no one wants to accept you anymore. Fortunately, you can always apply for that minilening, because BKR testing is often not carried out by providers of minilining.

How much can I borrow at most?

How much can I borrow at most?

With a minilening you can apply for a maximum loan of € 1000 per loan, depending on the provider. It is usually possible to close several minilines at the same time. As a result, you can borrow a maximum amount of money. There are sometimes a number of conditions attached to concluding multiple loans. This is different for each provider.

Zaloan also offers minilines up to 1500 euros with a term of 62 days. You repay the loan amount with the applicable statutory interest rate currently at Zaloan at 13.99%. So you pay back 1525.11 euros.

Apply for Quick Loans Up to € 900


Procredit is an online loan entity where it is possible to get up to € 900 within 48 hours through its fast loans with Financial Credit Institutions. The novelty that Procredit includes in its credits is that the refund is made in weekly installments, being able to return the money within a period of 13 or 26 weeks. In addition, all your quick credits are without endorsement and it is possible to get them without a salary or pension, although you must have a proof of income with which you can justify that you have regular income.

Through fast loans with Procredit Financial Credit Institutions you can have quick money for whatever you want, since they will not ask you about the destination of the borrowed money, and the application is made completely online and without paperwork. Here we show you how to make the application in Procredit, the requirements you need to meet to obtain credit approval and its main advantages over other financial institutions of fast online loans.

How to apply for quick credits in Procredit?

How to apply for quick credits in Procredit?

To apply for quick credits in Procredit you just have to access their online application web page by clicking here and select the amount you want to ask for and the money return period.

As for the amounts to request, it is possible to obtain up to 300 euros if it is the first time you request money in this financial institution, or up to 900 euros the following times. This is so that Procredit can verify that you use your financial product correctly, returning it within the established deadlines. As for the term of return of money, it is possible to return it in 13 or 26 weeks, you choose, and it will be made  in fixed monthly installments, the amount of which you will be able to see at all times when making the request.

Then fill in the form with your personal and banking information. Once the online application form has been sent, Procredit will contact you immediately to request the following documents (you will have to send a copy via email.) The copy can be made with a scanner or with a clear photograph with a digital camera or mobile phone):

  • NIE or NIE.
  • Document where you appear as the holder of a bank account, such as a copy of the card, receipt domiciled in the account or proof of the online bank account.
  • Proof of income, which can be a payroll, pension, benefit or any document that can justify that you have periodic income, such as a bank statement.

Once the documentation has been submitted, you will only have to wait for them to contact you once they have completed the study of the application. They will make a call to the telephone that you have left as a contact to indicate the approval of the loan and the conditions of the same, sending you the money in 15 minutes if you confirm the request.

Procredit offers quick loans with Financial Credit Institutions

Procredit offers quick loans with Financial Credit Institutions

Procredit offers quick loans with Financial Credit Institutions or RAI, as long as the client owes the debt owed to a company that is not a financial or banking entity. In addition, the debts you have written down in these listings should not exceed 1,000 euros. If you are in the Financial Credit Institutions lists and do not meet these requirements, we recommend that you visit the Financial Credit Institutions loans section of our website to check the list of financial institutions that offer this type of loans.

Necessary requirements to obtain fast credits in Procredit

Necessary requirements to obtain fast credits in Procredit

In addition to being able to obtain quick loans with Financial Credit Institutions or RAI, Procredit offers loans without payroll or pension, as long as you can justify that you have regular income, so that you can repay the loan within the established period. On the other hand, fast loans with Procredit’s Financial Credit Institutions are unsecured loans, that is, there is no need for a guarantor or guarantor to obtain loan approval.

The necessary requirements to request fast loans online in Procredit are the following:

  • Be 18 years of age, with residence in Spain and be in possession of an identity document such as DNI or NIE.
  • Have a phone, which will be used to get in touch with you.
  • Have a bank account where you appear as the owner, where you will receive the money.
  • Have a debit card, which will be used to make the return of the loan money.
  • Have demonstrable periodic income through a payroll, pension, benefit or any document that justifies said income.

Return of borrowed money

Procredit is differentiated from the rest of fast online credit entities in that the term to make the return of the money is greater and that this refund is made in weekly installments, so that you can return the money in a comfortable and transparent way. To do this, when making the request you can choose between returning the money in 13 or 26 weeks, the one that best suits your needs. In addition, you also choose the day of the week that you want to carry out the charge, so that the loan is better suited to you.

The refund of the money is made through the debit card that you have to indicate when making the request, so that Procredit every week charges you the weekly fee through it. In the event that you do not have funds in your bank account at the time of the return of a fee, Procredit will retry said return until 48 hours at no cost. At this time, if you have not been able to collect the weekly fee, you will be charged 20 euros for non-payment.

Advantages of quick loans with Financial Credit Institutions of Procredit

Advantages of quick loans with Financial Credit Institutions of Procredit

The main advantages of fast loans with Procredit’s Financial Credit Institutions over other financial institutions of fast online loans are that the term is longer and that the refund of the money is made in weekly installments, so that it is transparent and comfortable. You can request up to 900 euros to return within a period of 13 or 26 weeks and return it in convenient installments through your debit card.

Another advantage of Procredit loans is that it is possible to obtain fast loans with Financial Credit Institutions, since they accept clients who are in said list as long as the debt contracted is not with a bank or financial entity and this is not greater than 1,000 euros. All your loans are without guarantee and it is possible to get them without payroll or pension provided you have a proof of periodic income such as a bank statement where the movements can be seen.

The application for fast loans with Financial Credit Institutions of Procredit is made through the Internet and by filling out an online application form with your personal data. They will carry out the loan risk study and will contact you by telephone to indicate the acceptance of the loan. In the case that the request has been accepted, they will send you the money within 15 minutes of accepting the conditions. The average time it takes to get the money when applying for loans online in Procredit is around 48 hours.

The return of fast loans with Procredit’s Financial Credit Institutions is made through the debit card, so it is an advantage, since you only have to worry about having money in your bank account at the time you charge the weekly fee. You choose which day of the week you want to be charged and if you do not have money at the time of charging, they will try to charge you for the next 48 hours at no cost.

Finally, Procredit has a customer service with which you can contact from Monday to Friday from 9:00 a.m. to 6:00 p.m., where they will try to solve all your problems.

In Creditosrapidosnet you have all kinds of financial products, such as fast loans with Financial Credit Institutions from Procredit that offer you up to € 900 in 48 hours. Select the type of loan that best suits you and compare financial institutions with fast loans, credit cards, microcredits or personal loans online.

How to Get Small Loans Without Payroll Online

Small loans without payroll

Small loans without payroll

The growth of small loans without payroll reflects the economic difficulties of many citizens and traditional banking institutions. On the one hand, in fact, the last decade has seen an increase in the number of people who have to apply for funding without being able to present adequate guarantees. On the other hand, banks and other financial institutions have further tightened their own criteria by which they establish who is worthy of receiving credit, making the possibilities of many unemployed or casual workers even more complicated. For this reason many companies have been created that offer loans from the non-excessive entity (usually up to 5,000 euros) without requiring too heavy guarantees: many of these institutions operate online.

However, these institutions require some form of guarantee, although it is lower than those that the more consolidated banks expect. A bank, before granting a loan, will request a series of documents attesting to the personal and economic situation of the applicant, in order to assess the level of risk for the bank itself. The financial situation is assessed through the presentation of the latest pay slips, to show that you have a constant cash flow, and the tax return or the unique model / 730. If a person cannot present a recent paycheck, they will hardly have access to credit.

One of the first alternative possibilities is to mortgage a property. This could convince the financial institution to grant the loan, knowing that, in the event of insolvency (that is, if the debtor fails to repay the amount received), he could always retaliate against the property through the mortgage. Obviously, this guarantee is only possible if another mortgage does not already apply to that house, for example if you have used a mortgage to buy it. A similar solution, but of lesser magnitude, is to commit a valuable asset.

Another possibility is the presentation of a guarantor : in this case, the contract that establishes the loan is also signed by a second person, who undertakes to intervene with his own assets, if the first signatory is not in a position to repay the loan.

Finally, small loans without pay checks are often also designed directly for unemployed young people, who cannot present the conditions required for a normal loan. In their case, not only should funding be available, but facilities could also be provided, in the form of more advantageous rates.

Different Needs, Different Loans

The car pawn can be used for a variety of purposes, from financing a new business, to buying an engagement ring for your girlfriend.

But with all the different types of loans that exist out there, which one is the best? In this article, we will show you through a list some of the most popular types of loans, as well as their characteristics and their usefulness to meet the financial needs of consumers.

We’re also going to talk about the option to pawn your car when it comes to getting fast money.

Personal loans

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These loans are offered by most banks and the product can be used for virtually any expense (from the purchase of a new stereo system to the payment of a common invoice). Generally, personal loans are not guaranteed and vary from a few hundred to a few thousand euros.

As a general rule, lenders typically require some form of income verification or proof of other assets of value at least as much as the individual is borrowing. The request for this type of loan is usually only one or two pages in length (Approvals or rejections) and is usually granted within a few days. The disadvantage is, that the interest rates on these loans can be very high.

The other drawback is that sometimes these loans must be returned within two years, so it is impractical for people looking to finance large projects. In general, short personal loans (despite their high interest rates) are probably the best way forward for people looking to borrow small amounts of money and who are able to repay the loan within a couple of years.

Credit cards

When consumers use credit cards, which are essentially to take a loan with the understanding that it will be paid at a later date. Credit cards are a particularly attractive source of funds for people (and businesses), since they have been accepted by many merchants as a form of payment.

In addition, to obtain a card, all that is required is a request for a page. The credit review process is also quite fast. Written applications are normally approved (or denied) within a week or two. Online loans are often reviewed in a matter of minutes.

Also in terms of its use, credit cards are extremely flexible. The money can be used for practically anything these days, from the payment of college tuition to the purchase of a drink at the local bar. There are definitely traps, however. The interest rates that most credit card companies charge reach up to 20% per year. In addition, the consumer is more likely to accumulate a credit card debt (unlike other loans) because they are widely accepted as a bargaining chip and because it is psychologically easier to give someone a credit card than to deliver it to them. amount of cash.

The loans with mortgage guarantee

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Homeowners can borrow against the value they have accumulated in their home using a home equity loan. In other words, the homeowner is carrying out a loan against the value of his house.  A good method to determine the amount of capital in the property available for a loan would be to take the difference between the market value of the home and the amount remaining in the mortgage.

Loan funds can be used for any number of reasons, but they are usually used to build home expansions, or for debt consolidation. The interest rates on home equity loans are very reasonable. In addition, the terms of these loans usually range between 15 and 20 years, which makes them particularly attractive to those who seek to borrow large amounts of money.

But, perhaps the most attractive feature of the home-equity loan is that the interest is usually tax deductible. The downside of these loans is that home equity loans are particularly dangerous in situations where only one family member is the breadwinner and the family’s ability to repay the loan could be hampered by the death or disability of that family. person.

Even a 1% increase in interest rates could mean the difference between losing and keeping your home if you rely too much on this type of loan. But if none of these tips is what you’re looking for, you can try to pawn your car.

It is clear that they will not give you as much money as they would give you in a bank for a loan, but when you pledge your car the money they give you will be immediate.

If you follow the guidelines and pay monthly and religiously, you will not have any problem getting your car back.