Loans without payroll

Online loans that we can request without payroll or endorsement

List of quick loans without payroll with which you can get quick money without payroll and without the need to guarantee any type of home or property . These credits are mainly focused on the self-employed and the unemployed, or pensioners, who are currently collecting the benefit.

As an alternative, if you do not have income of any kind, you can obtain a loan without a payroll using a vehicle as collateral or a home as collateral

USE THE SEARCH FILTERS TO FIND THE LOAN YOU NEED
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Credit Quantity and term Terms
Younited Credit
Since
9.39%
Maximum APR
19.957%
€ 50,000 from 1,000 7 years from 6 months
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Cost of € 50,000 for 84 months: € 17,588.92
  • Fixed interest rate
  • They require little documentation
  • Necessary stable income
  • They charge management fees
More info See Offer
Fixed and stable rate Entity: Younited Credit Maximum first loan: From € 1,000 to € 50,000 Repayment period : From 6 months to 84 months Response time: 48 hours (From the arrival of the complete file) Time to obtain the money: 7 days approximately Is the first credit free? NO Cost: € 50,000 for 84 months: € 17,588.92
(APR 9.39%)
Characteristics and requirements: No payroll No endorsement Credit Checker not accepted Minimum age: 18 years Does it allow early cancellation? YES, total or partial. Is there a possibility of an extension? YES (Expenses: Fees) Ways to receive the money: Bank transfer
Credit
Since
24.9%
Maximum APR
381.28%
€ 5,000 from 500 3 years from 2 months
  • Without payroll: They accept freelancers according to income, unemployed according to solvency and pensioners according to solvency
  • Cost of € 5,000 over 36 months: € 1,907.32
  • Flexible loan
  • Installment payments
  • Minimum income € 700
  • Early cancellation with interest savings
More info See Offer
Line of credit up to € 5,000 Entity: Creditea Maximum first loan: From € 500 to € 5,000 Repayment period : From 2 months to 36 months Response time: Immediate Time to obtain the money: 15 minutes if banks coincide, otherwise 24 / 48h Is the first credit free? NO Cost: € 5,000 for 36 months: € 1,907.32
(APR 24.9%)
Characteristics and requirements: No payroll No endorsement Credit Checker not accepted Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Fees + initial amount of the loan) Ways to receive the money: Bank transfer
Mini-credits without payroll
That good
Since
0%
APR
Free / No interest
200 € from 1 30 days from 1 day
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Cost of € 200 for 30 days: € 0
  • Savings with early cancellation
  • Money in 10 minutes
  • No need to send documentation
More info See Offer
Free first mini-credit Entity: QuéBueno Maximum first loan: From € 1 to € 200 Return period: From 1 day to 30 days Response time: Minutes Time to obtain the money: 10 minutes Is the first credit free? YES Cost: € 200 30 days: € 0
(APR 0%)
Characteristics and requirements: No payroll No endorsement Credit Checker not accepted Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? NO Ways to receive the money: Bank transfer
Vivus
Since
0%
APR
Free / No interest
€ 300 from 50 30 days from 7 days
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Cost of € 300 for 30 days: € 0
  • Money in account in 15 minutes
  • Possibility of extension with cost
  • Has Instantor
More info See Offer
First free credit in 15 minutes Entity: Vivus Maximum first loan: From € 50 to € 300 Return period: From 7 days to 30 days Response time: 15 minutes Time to obtain the money: Between 24 / 48h Is the first credit free? YES Cost: € 300 for 30 days: € 0
(APR 0%)
Characteristics and requirements: Without payroll Without endorsement Does not accept Credit Checker Minimum age: 21 years Does it allow early cancellation? YES Is there a possibility of an extension? YES, 7, 14 or 30 days (Expenses: Interest generated) Ways to receive the money: Bank transfer
Prestamer
Since
350.4%
Maximum APR
6.500%
Accept Credit Checker
300 € from 50 21 days from 5 days
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Cost from € 300 to 21 days: € 69
  • Immediate money once approved
  • No guarantees or guarantee deposit
  • The service works 24 hours a day
  • Approve up to 90% of applications
More info See Offer
Loans with easy approval Entity: Lender Maximum first loan: From € 50 to € 300 Return period: From 5 days to 21 days Response time: Minutes Time to obtain the money: Between 1 hour and 48 hours Is the first credit free ? NO Cost: € 300 to 21 days: € 69
(APR 350.4%)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES, in 7, 14 or 21 days (Expenses: Accrued interest) Ways to receive the money: Bank transfer
Dindin
Since
2,311.26%
Maximum APR
7.219%
€ 300 from 50 30 days from 7 days
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Cost of € 300 for 30 days: € 89.70
  • Early Termination Benefits
  • Return within 7, 14 or 30 days
  • Low cost postponements
  • Maximum age up to 75 years
More info See Offer
First loan € 300 to 30 days Entity: Dindin Maximum first loan: From € 50 to € 300 Return period: From 7 days to 30 days Response time: Instantly Time to obtain the money: Little time associated banks, but 48 hours Is the first credit free? NO Cost: € 300 for 30 days: € 89.70
(APR 2,311.26%)
Characteristics and requirements: Without payroll Without endorsement Does not accept Credit Checker Minimum age: 21 years Does it allow early cancellation? YES Is there a possibility of an extension? YES, 7, 14 or 30 days (Expenses: 19% interest) Ways to receive the money: Bank transfer
Moneyman
Since
0%
Maximum APR
3.113%
Free / No Interest Accepts Credit Checker
400 € from 100 62 days from 5 days
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Cost from € 400 to 62 days: € 198
  • Up to € 400 to be returned in 62 days with cost
  • Cost extension options
  • Response in 15 minutes
More info See Offer
€ 300 to 30 days without interest Entity: Moneyman Maximum first loan: From € 100 to € 400 Return period: From 5 days to 62 days Response time: 15 minutes Time to obtain the money: Between 15 minutes and 48 hours The first credit is free? YES
€ 300 for 30 days
Cost: € 400 for 62 days: € 198
(APR 0%)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES, 7, 14, 21 or 30 days (Expenses: Fees) Ways to receive the money: Bank transfer
Fianceo
Since
199%
APR
Accepts Credit Checker
€ 1,000 from 100 18 months from 1 month
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Cost of € 1,000 to be returned in 18 months: € 1,132.64
  • Solidarity guarantor necessary
  • Few requirements
  • Money in 24 hours
  • Cheaper with early cancellation
More info See Offer
Up to € 1,000 with solidarity guarantor Entity: Fianceo Maximum first loan: From € 100 to € 1,000 Repayment period : From 1 month to 18 months Response time: 24 hours Time to obtain the money: 24 hours Is the first loan free? NO Cost: € 1,000 to be returned in 18 months: € 1,132.64
(APR 199%)
Characteristics and requirements: Without payroll With endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? NO Ways to receive the money: Transfer
Mediators and intermediaries that process loans without payroll
Misolvency
APR
According to entity
Accepts Credit Checker
€ 10,000 from 50 5 years from 5 days
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Unspecified cost
  • Advisory service
  • Few requirements
  • Allow extension
  • Custom offers
More info See Offer
They compare options in minutes Entity: Misolvency Maximum first loan: From € 50 to € 10,000 Return period: From 5 days to 5 years Response time: From 15 minutes Time to obtain the money: From 10 minutes Is the first credit free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: With cost) Ways to receive the money: Transfer
Infocredy
APR
According to entity
Accepts Credit Checker
€ 10,000 from 100 5 years from 30 days
  • WARNING: This entity is charging a commission of € 39.90 just for the service
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Unspecified cost
  • Personalized loans according to profile
  • Available 24 Hours
  • Debt negotiation
  • They are intermediaries, they do not grant loans
More info See Offer
WARNING: This entity is charging a commission of € 39.90 only for the service They charge a fee of € 39.90 for the service Entity: Infocredy Maximum first loan: From € 100 to € 10,000 Repayment period : From 30 days to 60 months Response time: 15 minutes Time to get the money: 48 hours Is the first credit free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Costs generated) Ways to receive the money: Transfer
Finzmo
APR
According to entity
Accepts Credit Checker
€ 10,000 from 500 5 years from 91 days
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Unspecified cost
  • Personal loan in minutes
  • Free service
  • Immediate response
  • They function as mediators
More info See Offer
Immediate personal loan Entity: Finzmo Maximum first loan: From € 500 to € 10,000 Repayment period : From 91 days to 60 months Response time: 5 minutes Time to obtain the money: From 15 minutes to 48 hours Is the first credit free ? NO Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Interest generated) Ways to receive the money: Bank transfer
Your fast credit
APR
According to entity
Accepts Credit Checker
€ 9,000 from 50 5 years from 7 days
  • WARNING: This entity is charging a commission of € 37.99 just for the service
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Unspecified cost
  • Installment loans without paperwork
  • Flexible payments
  • Financial advice
  • They function as intermediaries
More info See Offer
CAUTION: This entity is charging a fee of 37.99 € only for the service to 9,000 € with Credit Checker Entity: Your credit fast Maximum first loan: from 50 € to 9000 € Repayment period: From 7 days to 60 months time answer: On the same day Time to obtain the money: 10 minutes if banks coincide. Is the first loan free? NO Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Costs generated) Ways to receive the money: Bank transfer
Request24
APR
According to entity
Accepts Credit Checker
€ 5,000 from 100 42 months from 2 months
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Unspecified cost
  • Urgent mini-loans
  • You get offers of various loans
  • Online mediator
  • Fast answer
More info See Offer
Installment loan with Credit Checker Entity: Request24 Maximum first loan: From € 100 to € 5,000 Repayment period: From 2 months to 42 months Response time: 15 minutes Time to obtain the money: From 15 minutes to 48 hours The first credit is free? NO Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Fees generated) Ways to receive the money: Bank transfer
Zapo
APR
According to entity
Accepts Credit Checker
€ 1,000 from 50 90 days from 7 days
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Unspecified cost
  • Personalized advice
  • Early cancellation interest savings
  • Available 24 hours
  • Few requirements
More info See Offer
Credits 100% online even being in Credit Checker Entity: Zapo Maximum first loan: From € 50 to € 1,000 Return period: From 7 days to 90 days Response time: 24 hours Time to obtain the money: 48 hours The first credit It's free? NO Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? NO Ways to receive the money: Transfer
Crezu
APR
According to entity
Accepts Credit Checker
€ 300 from 100 90 days from 61 days
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Unspecified cost
  • Money in account, card or cash
  • Required monthly income
  • Immediate response
  • Is an intermediary
More info See Offer
First credit up to 300 € Entity: Crezu Maximum first loan: From € 100 to 300 € Repayment period: from 61 days to 90 days Response Time: 15 minutes Time to get the money: Immediate by banks if 24 / 48h Does first credit is free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Costs generated) Ways to receive the money: Transfer or card
Microcredits24es
APR
According to entity
Accepts Credit Checker
750 € from 50 90 days from 60 days
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Unspecified cost
  • Easy approval mini-credits
  • No paperwork
  • Instant response
  • They are mediators
More info See Offer
Up to € 750 even with Credit Checker Entity: Microcreditos24es Maximum first loan: From € 50 to € 750 Repayment period: From 60 days to 90 days Response time: Minutes Time to obtain the money: 48 hours Is the first credit free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Fees generated) Ways to receive the money: Transfer
Loans online
APR
According to entity
Accepts Credit Checker
750 € from 50 90 days from 61 days
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Unspecified cost
  • It can be requested 24/7
  • Response in 10 minutes
  • Required monthly income
  • Does not grant loans directly
More info See Offer
Online loans on the spot Entity: Prestamosonlineya Maximum first loan: From € 50 to € 750 Repayment period: From 61 days to 90 days Response time: 10 minutes Time to obtain the money: 10 minutes Is the first credit free? NO Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Interest generated) Ways to receive the money: Transfer
Credy
APR
According to entity
Accepts Credit Checker
750 € from 50 30 days from 1 day
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Unspecified cost
  • Response in minutes
  • Necessary regular income and account
  • It is an intermediary does not grant loans
  • Free online service
More info See Offer
Quick response and with Credit Checker Entity: Credy Maximum first loan: From € 50 to € 750 Return period: From 1 day to 30 days Response time: 15 minutes Time to obtain the money: Before 3:00 p.m. on the same day if It is workable. Is the first credit free? NO Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Fees) Ways to receive the money: Bank transfer
Prestamon
APR
According to entity
Accepts Credit Checker
€ 1,000 from 100 120 days from 91 days
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Unspecified cost
  • Money in 24 hours
  • No additional costs
  • In 15 minutes
  • Is an intermediary
More info See Offer
Personal loan up to € 1,000 Entity: Prestamon Maximum first loan: From € 100 to € 1,000 Repayment period: From 91 days to 120 days Response time: 15 minutes Time to obtain the money: 24 hours Is the first loan free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Interest generated) Ways to receive the money: Transfer
Pezetita
APR
According to entity
Accepts Credit Checker
€ 1,000 from 100 90 days from 61 days
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Unspecified cost
  • Free online service
  • Response in minutes
  • Few requirements
  • It is an intermediary does not grant loans
More info See Offer
Up to € 1,000 regardless of Credit Checker Entity: Pezetita Maximum first loan: From € 100 to € 1,000 Return period: From 61 days to 90 days Response time: Minutes Time to obtain the money: 48 hours Is the first credit free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Costs generated) Ways to receive the money: Transfer
Credit Party
APR
According to entity
Accepts Credit Checker
€ 1,000 from 100 90 days from 61 days
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Unspecified cost
  • 100% online and paperless
  • Immediate response
  • Money in 2 hours
  • They do not grant loans directly
More info See Offer
Loan up to € 1,000 instantly Entity: Fiesta Credit Maximum first loan: From € 100 to € 1,000 Repayment period: From 61 days to 90 days Response time: 15 minutes Time to obtain the money: 24 hours Is the first credit free ? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Interest generated) Ways to receive the money: Bank transfer
SunCredit
APR
According to entity
Accepts Credit Checker
€ 1,000 from 100 120 days from 91 days
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Unspecified cost
  • 100% online process
  • Required minimum income
  • Response in 15 minutes
  • They do not grant loans directly
More info See Offer
First loan up to € 1,000 Entity: SolCrédito Maximum first loan: From € 100 to € 1,000 Repayment period : From 91 days to 120 days Response time: 15 minutes Time to obtain the money: From 2 to 24 hours Is the first credit free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Fees generated) Ways to receive the money: Bank transfer
AndaCredit
APR
According to entity
Accepts Credit Checker
€ 1,000 from 100 90 days from 61 days
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Unspecified cost
  • Fast online loans
  • Money in account or in cash
  • They function as mediators
  • They do not charge for the service
More info See Offer
Up to € 1,000 in 5 minutes Entity: AndaCrédito Maximum first loan: From € 100 to € 1,000 Return period: From 61 days to 90 days Response time: 5 minutes Time to obtain the money: Immediate according to banks but 24 / 48h Does the first credit is free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Interest generated) Ways to receive the money: Bank transfer
Hello money
APR
According to entity
Accepts Credit Checker
€ 1,000 from 50 31 days from 5 days
  • Without payroll: They accept the self-employed, the unemployed and pensioners
  • Unspecified cost
  • Request in 5 minutes
  • Necessary ID and mobile
  • Is a mediator does not grant loans
  • Possibility of extension
More info See Offer
Up to € 1,000 in 31 days Entity: HolaDinero Maximum first loan: From € 50 to € 1,000 Return period: From 5 days to 31 days Response time: 15 minutes Time to obtain the money: 15 minutes if banks coincide but 24 hours . Is the first credit free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 21 years Does it allow early cancellation? YES Is there a possibility of an extension? YES, 30 calendar days (Expenses: Interest generated) Ways to receive the money: Bank transfer
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Not sure which loan to choose?

We help you totally free and without obligation to find the credit that best suits your needs.

Loans without payroll using a vehicle as collateral

We will need to have a vehicle in our name (it can be a car, a van or a truck) that we can continue to use while we repay the loan installments.

If we do not have regular income, or we are in Credit Checker, it can be a very good alternative to loans without payroll and without endorsement.

Credit Quantity and term Terms
Credit without payroll from Gedescoche 50% vehicle value
10 years
  • Without payroll and with vehicle as collateral
  • Never mind Credit Checker
See

Loans without payroll using a property as collateral

Normally the last option and, surely, the most common option to obtain money without payroll if we do not have some type of income that guarantees the repayment of the loan.

Although the interests are usually cheaper , it will be necessary to take accounts by adding the commissions and the opening and cancellation costs .
They are also used for the reunification of debts .

Credit Quantity and term Terms
Sofkredit credit without payroll 30% home value
20 years
  • APR: 3%
  • Without payroll and with endorsement
  • Never mind Credit Checker
See
Credit without payroll of Capital Loan 40% property value
15 years
  • APR: 15%
  • Without payroll and with endorsement
  • Never mind Credit Checker
See

Who can apply for a loan without payroll?

Many people

Although loans without a payroll do not require monthly income from a payroll , to get one of these loans it will be essential to be able to prove that we have a regular source of income sufficient to face its repayment.

We can request a loan without payroll and without endorsement, if we can prove that we have a source of fixed and sufficient income, with which to be able to face the repayment of the loan.

Therefore, if we are unemployed with benefits , pensioners or self-employed who have regular income , we will have no problem getting our application approved, even without properties or guarantees .

The online loan market offers financing alternatives for all credit histories, offering us adaptable financing conditions according to the amount we need, and its repayment term.

In addition, that we do not have a payroll will not be an impediment to access this type of credit , even without properties or guarantors who respond for us.

Situations in which its use is recommended

Although getting a loan without income, a priori it seems a complicated process, nowadays we have more and more loan offers that allow us to obtain the credit we are looking for regardless of the fact that we do not have a payroll .

This type of loan, characterized by offering flexible financing conditions, does not ask questions about the reason for applying for the loan.

Loans without payroll help us to face situations as varied as the ones we collect below:

  • Get up to date with the payment of a receipt or late invoice,
  • Urgent home appliance repairs that require major outlays when we least expect it,
  • Take our vehicle to the workshop to solve any breakdown,
  • Assume payments for medical, school or personal contingencies.
  • Finance trips or altruistic projects that require financing.

In short, any type of unforeseen event that needs quick money for its solution .

Characteristics of fast loans that do not ask for payroll

The credits without payroll and without endorsement that we can get through the internet, offer the advantage of granting fast loans without the need to accredit a payroll as the main source of income. In other words, it is a type of financing that does not need us to show that we are working .

However, the latter does not mean that we can obtain loans when we do not receive income of any kind. In fact, in order to obtain approval from the entities it will be necessary for us to be able to prove that we receive sufficient monthly income to meet the payment of the debt incurred.

The amounts that we can get with this type of loan without payroll or income , range between € 300 and € 5,000 to be returned in a single payment or in installments . If we need it, it is also possible to opt for higher amounts by directing our request to the entities on our list, which indicate that they offer amounts from € 10,000 to € 50,000 .

This type of loan, characterized by the facilities it provides to its clients, results in the application of a high rate of interest, expenses and commissions .

As for any type of online loan, before hiring a loan without payroll, it is recommended to pay attention to the financing conditions that they offer us.

Without payroll, loan conditions get worse?

Although the interest rate applied to online loans is sometimes high, it is not true that loans without payroll are characterized by having a much higher cost for this reason. In fact, it is possible to find free no-payroll loan offers on the first application depending on the lender.

To know the interest rate applied in each situation, we will have to compare each of the offers of the different companies, and decide what type of loan is the best according to our situation.

In the list of loans without payroll on this page we can check the cost of each loan .

How to apply for a quick loan when we are unemployed?

Although each financial institution has different requirements as a consequence of its risk policy, whether we are pensioners, self-employed or unemployed with benefits , it is not usually inconvenient when it comes to getting quick money , as long as we have a source of fixed income.

Therefore, even if we do not have work, we can obtain a quick credit , if we are able to demonstrate that we are solvent to comply with the return. Therefore, if we urgently need a loan, and we do not have work that justifies our income, we can get the money we are looking for by requesting a loan without payroll .

In the event that we are unemployed, we can prove as our source of income the receipt of our own unemployment benefit.

The fact that we are in a situation of unemployment will not mean that the credit companies apply different financing conditions to those of other clients.

The same will happen with the steps to follow to process an online credit application:

We will have to access the lender's website , select an amount and term, and send the online application form with the required bank and personal details . In some cases, entities without instant verification systems may require us to send the documents they need to verify the information provided in our application .

The decision to grant the credit will be linked to the risk study carried out by the companies, and what is not linked to the fact that we are unemployed.

Will they grant me a loan without payroll or income?

To get approval for a loan without payroll, we must have another type of income with which to justify our solvency capacity . Therefore, if we need to resort to one of these credits and we do not have any type of income , and we also do not have guarantors or properties , our request will hardly be attended by any lender .

Online credit institutions that accept applications without payroll require that we have a fixed income.

Loans without income are a financing alternative that requires having some type of guarantee.

If I do not have monthly income, is it necessary to present a guarantor or guarantor?

To get an online loan without payroll it is necessary that we can justify monthly income that is: periodic, demonstrable and sufficient.

To qualify for a loan without payroll or guarantees, we will have to accredit alternative fixed income that will be: periodic, demonstrable and sufficient.

These are the characteristics of the type of income that we have to receive in order for our application to be approved:

  • Alternative periodic income: It is income that we receive on a monthly basis for a precise minimum period to face the return of the money that they have lent us,
  • Alternative demonstrable income: We must prove an official document that proves our income,
  • Sufficient alternative income : Our income has to allow us to face the payment of our debt, without causing an imbalance in our economic situation.

Don't forget that ...

When we cannot justify recurring income, we will have to have guarantees that guarantee our solvency capacity, and thus avoid possible situations of default.

Can I get fast loans without payroll or property?

To get an online loan without payroll when we do not have properties, we will have to have enough regular income that allows us not to depend on guarantees .

If we prove that we have any property that supports our request, we will be able to obtain the financing we request without having a payroll or fixed income ”.

On the contrary, if we do not have any property , and we also do not have sufficient income to face the payment of the credit with solvency, the only alternative for the financial companies to approve our application will be to resort to the guarantees or guarantors , so that they respond for us in situations of non-payment with companies.

Non-payroll loans with property do not need us to justify a minimum income , to approve our request . In this case, it will be the good that intervenes as a guarantee of the credit that responds as a guarantee of payment.

What conditions must I meet to obtain a loan without payroll?

To get a loan of this type, we have to meet the requirements of the lender , which are usually the following:

  • Be of legal age or be between 21 or 25 years old depending on the risk policy of the lender,
  • Be a permanent resident in the United States and be able to prove it by delivering the DNI or NIE,
  • Have a recurring source of income to meet the payment,
  • Have a bank account that you own,
  • Provide a telephone number and email address as means of contact,
  • Being in Credit Checker can be an impediment to get a loan without payroll in some entities, however there is a wide range of entities specialized in granting loans, regardless of whether or not we are registered in delinquency files.

Despite the fact that these requirements are the most recurrent among fast loan companies, the approval or rejection of our request will depend on the result of the credit analysis , which is performed individually on each client by the companies.

Documentation necessary to apply for a loan without payroll

document and fountain pen

Although the application for a loan without payroll is characterized by offering an easy and fast processing without much paperwork, some companies need us to send the documents that prove the data that we provide in the application.

Regarding the most common documents requested to verify the data provided are:

  • Documentation that proves our identity: National Identity Document (DNI or NIE),
  • A proof of income,
  • Bank statement with the latest movements.

We will send these documents as attachments to the application form, or by email, and we can also use ordinary mail if we prefer.

Some companies require sending the necessary documentation to verify the data of our request.

Other entities , however, allow a quick paperless loan application online . These are companies that have online verification tools, such as Instantor, which do not need to resort to the traditional sending of documentation, thus speeding up the response time of entities.

Can I request a loan without payroll or endorsement only with the ID?

If we are interested in requesting a loan without papers , what allows us to have the money without carrying out many procedures avoiding the sending of documents, we will be interested in knowing more about loans only with ID , and how it works.

We only need to prove our personal identification, through the DNI or NIE number , by sending our request to an online credit institution that uses online verification systems .

These entities verify our identity through the data of our online banking by means of completely secure authentication platforms.

Don't forget that ...

One of the essential requirements to apply for a loan of this type is to have a valid DNI.

How long will it take for me to have the money in my account?

Loans without payroll are characterized by offering immediate responses. However, the time that passes from the sending of the request until we receive a response may vary depending on aspects such as: the amount of money we request, whether we are clients or not, and mainly whether data verification systems are used. in real time.

Loan entities without payroll or guarantees that offer answers at the moment, use real-time verification systems such as Instantor.

In this sense, the money transfer is issued as soon as the entities confirm the approval of the requests .

The period of time that elapses from its issuance , until the transfer becomes effective in our account, will depend on the type of relationship between our bank and yours.

Loans without payroll offer immediate responses in an approximate period of 15 minutes, which allow you to have the money in your account in an interval of 24 to 48 hours.

Can I get a loan without payroll and with Credit Checker?

Yes. Even if we do not have a payroll and are listed in Credit Checker, we can get the financing we need if we justify other sources of income.

In addition, to qualify for this type of loan , they will demand that our debt is not a bank debt, and that its total amount does not exceed the amount stipulated by the company .

In any case, if we are on a list of defaulters, the approval of our loan application will depend on the risk policy of the financial company from which we request the money.

We can find more information about fast loans with Credit Checker and other financing alternatives to know how to get money with Credit Checker when they do not grant us fast loans.

How to make the return of a loan without payroll?

The lending companies make the following forms of payment available to us to make the repayment of the loans:

  • Bank transfer: We can make the return by transfer to any of the bank accounts that the lender makes available to us to facilitate payment,
  • Cash payment: This payment option allows us to enter the refund money in the account provided by the entity,
  • Card payment: We will be able to make the payment by credit card through the lender's online platform,
  • Direct debit: In this case, it will be the lender who passes the charge to our account when the payment is due.

Before requesting a loan without a payroll, we must make sure that we will be able to repay the credit without problems.

In the case of not being able to face the payment of the return on time, we should not avoid them, the best option is to contact the lender and request an extension of the payment.

Advantages of online loans without payroll

Below we highlight the main advantages of loans without payroll , intended for the unemployed without income, who do not have guarantees or properties and need to cover contingencies urgently.

The main and most characteristic of its advantages is that it allows you to carry out your hiring without payroll . That is, it will not matter if we are unemployed, or we do not have a payer that proves that we are working.

For this reason, loans without payroll are a source of financing adapted to all types of work situations , regardless of whether we are unemployed, self-employed, or collect a retirement, as long as we can demonstrate that we receive fixed income with which to guarantee payment of your return.

Secondly, loans with online payroll allow you to avoid paperwork associated with a long application response, which facilitates immediate responses a few minutes after sending your application.

They also offer the advantage of allowing us to contract fast loans when we are in Credit Checker, we have debts or we live in default situations.

In short, loans without payroll are a financing alternative that allows us to face urgent contingencies, without payroll or guarantees.

Risks of requesting fast loans without payroll

Although there are many advantages that this type of credit offers, before resorting to any type of financing on the internet, we must be cautious to avoid taking unnecessary risks .

To begin, before starting the procedures to request a loan without payroll, it would be important that we keep in mind the reason that pushes us to resort to your application . With this focus in mind, we must assume the request for an amount adjusted to what we will need to ensure that your return will not pose any problem to us.

You can expand information on how to avoid assuming risks associated with fast loans , and follow their advice before hiring a loan on the internet.

Tips for getting a loan without demonstrable income

Below we collect a series of useful recommendations when we are looking for a way to obtain a quick loan, and we do not have demonstrable income such as a payroll:

  • Before requesting a loan without payroll, we must analyze all the financing options at our disposal to make sure that a quick loan is the most convenient alternative,
  • In the event that we are looking for a recurring source of financing, requesting a loan without a payroll is not the best option. We can expand information about the operation of credit cards to analyze their conditions and characteristics before making a decision,
  • Although to obtain a loan of this type it is not necessary to have a payroll, we must not deceive ourselves, we must have sufficient capacity to secure its return,
  • It is recommended to read carefully the terms and conditions of the loan before deciding on its hiring.

Although this type of loan does not need to credit a payroll as a source of income, before requesting a loan of this type we must make sure that we can face its return .

Failure to do so would plunge our economy into a spiral of debt with negative consequences that we must avoid.

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Comments and opinions

Lucas 06/09/15
I have already requested a couple of credits with one of the companies that you mention. And in general, all of them are fast, they fulfill what they promise and give you the safe and discreet service that we all want to have. The question of not being asked for a payroll is very good because if you are unemployed or working for hours and charging a pittance, you can access these mini loans. I asked for the last one in one of those that you have in the list, on the page www.creditomovil.es and the truth is that it is very good. I asked for a little, 300 US dollars. But it is what he needed a small amount to get out of a pothole he was going through. I recommend these credits.
fatima 07/26/15
Well, I get it and they ask me for proof of income
regbiomed.com 08/27/15
Hello Fatima, everyone will ask you for a document that proves that you can return the money. It does not have to be a payroll but you must have some source of income.
Khadija 12/04/19
Hello, I would like you to help me get the loan, please
RegBio Loan 05/12/19
Hello Khadija, in our listings you can find different loan offers that can help you. If you need more information you can contact our chat service from Monday to Thursday from 10am to 7pm and Friday from 10am to 3pm. You can also contact us by phone 91 060 85 48 at the same time.

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