Archive April 2019

A payday loan without income statements

A loan or loan without income statements is now available at your fingertips. It is enough to submit an application for such additional cash via the Internet.

Once, going to the bank for a loan or a loan, without a certificate of employment or income, we did not do anything. And is it possible to get extra cash now without this piece of paper? It turns out that the most, and moreover without having to walk around the outlets and without having to leave the house.

Of course, this applies mainly to situations where we do not care about a large or gigantic amount. However, if we need cash to 10 or even 20 thousand zlotys, there is a good chance that we can get it without collecting additional documents from the place of employment, and perhaps even without leaving home. Loans without earnings certificates on the ID card are available mainly among companies, banks and institutions that allow you to borrow additional cash via the Internet.

Internet payday loans without income and employment certificates

In the case of this second option, everything depends on the bank in which we submit the application. In the case of those typically focused on granting loans via the Internet, such as mBank, iGotówka, Smart Bank, it will be possible. If we care about an unpaid amount of credit, we have a chance to settle online formalities. The entire process will be limited to filling out a loan application online. We will carry out the verification call over the phone and then send the documents to the bank that will confirm our income.

In the case of the latter, it will not have to be a certificate of income from the workplace. Usually, the account statement is enough for us. This is a document that we can download in an electronic version (pdf) if you log in to our bank account. It can be an extract documenting our income from the last 3 or 6 months (depending on the bank in which we submitted the application).

However, I must point out that the final decision on granting the loan is made by the bank. It is him who has the last sentence, whether he will give us credit without additional documents and whether he will bother us with an additional visit to the bank. It depends mostly on the history and creditworthiness we have. In short, if we earn not a little and previously we had no delays in paying off other loans, then the bank is not likely to make us uphill.

Loan without certificates in installments

It is worth knowing that we will also receive loans without certificates in many companies providing non-bank loans. In their case, in principle, all formalities are dealt with online and without unnecessary formalities. Thanks to this, you need cash, you can find your bank account instantly. To obtain such loans without certification, we will only need a bank account, a mobile phone and internet access. All companies require, of course, that the person applying for the loan should be an adult or have completed a certain age, eg 20 or 21 years.

What also speaks in favor of loan companies is lower requirements. These companies calculate the creditworthiness of the client differently than banks. If, for example, the bank refuses our loan application because of low creditworthiness (low income), it is very likely that the loan company will accept such loan application. Of course, here it is very important to pay attention to the costs of such loans. If the bank refuses to grant us a loan, do not go to the first lending company. Thanks to the Internet, we can verify costs in many different companies where a loan is available without any certificates. Using the virtual calculator, which can be found on the website of most of this type of companies, we can see the exact or approximate cost of such a loan. Even before submitting the application, we will know the amount of the loan installment, its total cost and the APRC interest rate. Therefore, it may turn out that the cost of a loan over the Internet without a certificate will be similar to a loan taken in a bank. That is why it is worth analyzing at least a few such offers and choosing the most favorable one.

If you received a loan or loan with no certificates without unnecessary certificates and documents in any bank, we encourage you to share your opinion with us in the comment.

Immediate and Instant Payday Loans

Find an online financial institution in Spain that approves payday loans at the moment is not easy but analyzing the different existing offers, I have selected those that do deliver money in less than 10 minutes, once the request has been approved through its website.

Do not kid yourself: the amounts they lend you are small (between 50 and 900 euros) although it is a solution when you need a loan to get out of an economic slump. It is more frequent than it seems, we have to face situations where we lack money and do not know who to turn to.

The mini credits instantly without paperwork are granted by lenders or financial entities that work only online so that users have the money instantly, reaching in many cases to be transferred the requested amount in less than 15 minutes, from the moment that is approved, hence they can be classified as money payday loans instantly.

If you have already gone to relatives, friends, bosses, credit cards , etc. and you still have not gotten the money that urges you what you can do is compare the different fast online payday loans that exist in the market.

index of contents

  • 1 Loan List instantly online
  • 2 Characteristics of instant payday loans online
  • 3 Why are Credits instantly requested online?
  • 4 Online credits with immediate response?
  • 5 Personal Mini payday loans: Elements to be taken into account so as not to be scammed:
  • 6 Who grants a credit issue of minutes without paperwork?

Loan Listing instantly online

Loan Listing instantly online

Like insurance comparators or travel comparators, I have created a comparator or list with the best online credits   based on the opinions of consumers who have already been customers so that you have all the information collected in one place   and do not go crazy navigating the internet and consulting countless pages without knowing who to listen to.

Some miniprestamos can be obtained for free, this is, without paying interest , it is a type of promotion or offer to be made known to potential clients.

The amount of money that can be obtained is about 300 euros and they only grant them without interest if it is the first time you borrow them.

I have selected 8 lenders who have launched this offer and you can find them in the free credits section and on each of these mini credits I have analyzed their advantages and disadvantages.

Characteristics of instant payday loans online

Characteristics of instant payday loans online

They are characterized by being processed online to respond to the applicant who needs their availability on the spot and precisely this feature is what differentiates them from the credits granted by traditional banking that can take days and even weeks to grant them, although the quantities are minimal.

 The other characteristic of the immediate loan is that it is frequent that the applicant does not have to provide documents or receipts , that is, it is not necessary to fill in paperwork or submit payroll or endorsement, and taking this characteristic as a reference, I have made a selection of the best known Quick Credits without Documentation – payday loans without 1 Click Paper that you can find on the internet.

Why are Credits instantly requested online?

These small credits of immediate availability have very diverse destinations and it would be very extensive to relate all of them, so I will only give you some examples:

  • The expenses of uniforms or books in the return of children to school.
  • To go on vacation. We all need to disconnect from work and routine once a year and if you do not have money at that time, you can borrow it.
  • Buy the Christmas kings: In Christmas times the expenses skyrocket and it is when there is more demand for microcredits.
  • Pay a traffic ticket (if you pay it before 15 days you save 50% of the amount)
  • To pay tuition for university studies
  • To overcome the January slope (I would add and the February one!)
  • To celebrate the baptism or the communion of your child (Only celebrated once in a lifetime …)
  • To fix the car (if once you repair the car you do not pay the bill, the workshop will not let you take it)
  • To make reforms or repairs in the house
  • To fix or buy new appliances, for example the washing machine.

Online credits with immediate response?

In all cases it is necessary that the money is delivered instantly because otherwise, it is cheaper to go to traditional banks although they require more requirements and take weeks to approve the line of credit.

From experience, I know that one of the decisive factors is the speed with which the money reaches your power once the request for urgent money has been approved , hence all companies strive to streamline the procedures by banishing paperwork. unnecessary

The immediate availability of money in personal payday loans is next to the inexistence of presenting guarantees or solvency guarantees which makes them popular with consumers because nobody wants to risk their properties by asking for a loan of 300 euros.

More and more users are requesting money online to solve financial problems, without having to explain to anyone what the money will be spent on. The boom in recent years of the immediate online payday loans is such, that they are monopolizing the sector having banished the habit on the part of the consumers to go to the banks of the neighborhoods.

The amounts of the applications oscillate between 50 and 1,500 euros and between 5 and 45 days the term to return the borrowed amount and if applicable the interest (amount that appears automatically in the same form where you indicate the amount of money you want and the period of time you want to return it).

The amount of money approved immediately is 1,000 euros, followed very closely by the microcredits of 100, 200, 300 and 500 euros.

For more information about this type of mini personal payday loans, I recommend that you visit each one of the official websites collected and processed from there your request.

Do not be fooled, the only valid information is that provided on your website by your customer service department, which are responsible for answering your questions about the conditions and requirements.

Mini Personal payday loans: Elements to keep in mind to avoid being scammed:

Mini Personal payday loans: Elements to keep in mind to avoid being scammed:

  1. Do not contract with private lenders , most of them are not governed by any regulations and operate on the dark side of legality.
  2. Take advantage of offers to be a new client : the first loan is granted without charging interest or commissions.
  3. Before signing, find out the total amount you will have to pay back.
  4. Use only a personal loan if you do not have other ways to get the money you need.

In another post I will analyze in depth the fast credits with Asnef (that is to say, entities that lend money to applicants that appear as debtors in lists of defaulters as ASNEF )

Who grants a credit issue of minutes without paperwork?

Answering the question of where they give this type of payday loans has its complexity because you have to value a series of elements to avoid being scammed by unscrupulous people posing as serious lenders.

Based on all the above, I will only recommend those, (some of them in less than 10 minutes), about which there are clients who have positively evaluated their experience and have qualified them as professionals, easy to request and a fast availability, and that’s why they occupy the first places in my ranking.

These types of minicréditos are so agile, that once approved, you will have the money in your bank account in a matter of minutes.

To speak of immediate payday loans is to talk about having borrowed money in a matter of minutes, since speed is essential to deal with emergency expenses and that postponing or delaying payment can only make the situation worse.

My 3 preferred ones are the following:

This has been my analysis of the immediate payday loans , as final advice I will tell you that you must use them responsibly and only in case you do not have another cheaper way to get the money.

Payday loan for start-ups

Only not many banks offer payday loans for start-ups starting from 1 day. However, this is not the only solution that people opening business activity on their own can count on.

When deciding to open our own business, we must prepare ourselves for the fact that it will entail a number of different types of costs. Even the smallest business, one personal activity that would seem that it will not require any large financial outlays from us, can bring a lot of different expenses.

People opening their own business nowadays are in a much better situation than, for example, people opening a company several years ago. First of all, they can take advantage of various types of offers targeted at new companies. The unemployed are in the best situation, registered in the Labor Office. Such persons may receive a non-returnable subsidy to start operations. Of course, the receipt of funds depends on the presentation of our business idea. However, if we are not an unemployed person and we would like to raise additional funds for the development of an enterprise, there is such a thing as a payday loan for start-ups. You can use it from the first day of operation, so immediately after carrying out all the formalities related to the registration of the company.

A start-up payday loan for start-ups

This type of payday loan for the development of an enterprise is offered not by many banks. If you are interested in using such a financial offer, it will certainly find them in the offers of such banks as Idea Bank or Nest Bank. A very interesting proposition for persons opening one-man activity is mBank. We are talking about the limit in the company account , which is also available from the first day of operation. By creating a company account at mBank, we will be able to count on launching a limit in the amount of up to PLN 30,000. And it should be added that this type of limit is a much more advantageous option in repayment than a company payday loan. What’s more, in addition to lower costs, we also have greater freedom in paying off such debt, because we regulate our obligations in the most timely manner for us. For example – at the beginning, when our activity is just developing, we can pay only the minimum amount set by the bank. And larger amounts at a later time, when our business will already bring adequate profits.

Non-bank payday loan for start-ups

Non-bank payday loan for start-ups

Undoubtedly, in companies providing non-bank payday loans, a company payday loan for a start will be more easily available, but it will be more expensive to pay. payday loan companies do not require as many formalities when opening credit as banks. In principle, only an ID card and a bank account are sufficient to run the payday loan. Therefore, no certificates are required to obtain a company payday loan . However, it should be noted that the costs of such a payday loan, especially for larger amounts and longer repayments, may be quite high. Fortunately, every single company that offers such a payday loan in its offer allows you to check the cost of the payday loan before submitting the online application. By indicating the payday loan amount we are interested in and the repayment period, we can know in advance the exact cost of such a payday loan and the amount of the monthly installment. We do not take such a blind payday loan and so we can accurately analyze the costs of such a company payday loan for a start.