On this page we present the easy loans and how to get them, analyzing the different ways offered updated to 2019. Let’s see what are the best loans that can be obtained even without guarantees to be presented to the bank. Let’s find out who these particular products are for and how to request them.
Easy loans: how to obtain unsecured financing in 2019
If you are looking for a personal loan and if you need money urgently, the main problem that you will have to face is certainly that linked to the guarantees required by the bank. As is known, all companies in order to grant an easy loan claim claim that the person making the request for a loan has certain requirements, without which the loan application is rejected. For this reason it is not always easy to access the amount of money we need. The request for guarantees, however, is essential for any credit institution, as the company we turn to is having to anticipate a sum of money more or less important, from which it will get a certain gain at the time of repayment, obviously based on interest rate. In the event that the client receiving the loan is not able to complete the reimbursement, there would be a loss of money for the bank, considering that the number of monthly and annual requests for loans becomes quite important if the insolvency rate is high.. Although the company has legal rights to obtain full reimbursement, the interest of the company is certainly to offer financing exclusively to those who guarantee a refund respecting the deadlines.
The countermeasure adopted by the banks in order to avoid non-repayments is precisely that of asking for guarantees. Each company defines its own regulation, with the basic requirements that the applicant must possess. The guarantees requested by each bank can therefore be more or less restrictive depending on the bank to which we address. For this reason, the choice of the ideal loan form for our needs is strongly influenced by the required requisites. If we have just said that all banks require guarantees in order to receive a loan, why does the title speak of easy loans without guarantees ? In fact, it is wrong to think that you can receive money on loan without the presentation of any guarantee, and in a sense the name given to these loans is not correct. In any case, the reason why loans are easy to obtain even without guarantees is that there are formulas that allow us to obtain financing much more easily than “classic” loans. In some special cases it is possible to obtain the sum of money we are looking for even without possessing the requisites usually requested.
Leaving aside the usual requirements such as residence in Italy and the age limits allowed to submit the application (with the maximum threshold that will be more or less high based on the company we rely on), the guarantee mainly required is the paycheck. Who has a permanent job and therefore can guarantee to the bank an insured income every month from which to retain the repayment installment agreed can in any case receive the desired loan. In this case, for employees, we can talk about a loan without guarantees as it is sufficient to present the last paycheck to receive the desired loan. This means that in order to present the request, it will not be necessary to possess property guarantees or to mortgage a property owned as in other cases. As for employees so you can easily talk about easy loan, considering that there will be no difficulty in obtaining the desired money.
It is not only employees who are able to receive loans without further guarantees. In fact, the same treatment rests with pensioners, who will only have to present the last pension slip in order to receive easy loans. In these cases the product that is proposed is the so-called transfer of the fifth. This form of financing is characterized by a retention of monthly installments that do not exceed one fifth of the salary or net pension received. Therefore, when it comes to loans without guarantees, it is evident that alternative guarantees are provided. For this reason, if surfing the internet you come across someone who offers unsecured funding, we invite you to pay attention to what is proposed to you and to the relative regulation. Because if it is true that there are easy loans on the market it is not so true that these loans are offered to anyone without minimum requirements. In the next paragraphs we will see what are the financial products in which we can talk about easy loans without guarantees, so as to guide you in choosing the perfect financing for you.
Best easy loan of 2019
What is the best easy loan ever? As we said it can happen to be in the situation of needing a certain sum of money, but not to own the paycheck or not to have a guarantor that can sign, thus ensuring for us with the risk of having to take charge of our repayment installments in case we were not able to complete the payment by the fixed expiration date. Usually if we have no major guarantees to present to the bank, the easiest solution is represented by small loans. Obviously in the event that the amount we are going to request is not particularly high, the guarantees that we will have to provide to the bank will be less restrictive. As we will see, there are alternatives that will allow us to receive the desired financing without guarantees or almost.
Small easy loans
The small loans, which usually allow us to receive a sum of money up to about 3,000 euros, may be the ideal option for those who have to face an unexpected expense like that for the mechanic or for dental treatment. Small loans can also be requested without a paycheck and are therefore considered easy loans to receive. In addition, you can often apply for funding directly online, through the website of our bank or, for some companies, also via the App.
A big advantage of small loans is the timing of disbursement : these will be significantly lower than personal loans for higher amounts and in some cases the disbursement will be even immediate. The alternative guarantees to the paycheck are always the same, that is the presentation of a relative or a friend who acts as guarantor or the mortgage of a property, but not only. As for self-employed workers, it is in fact possible to receive the desired loan by simply submitting the last tax return.
Easy and fast honor loan
Another form of loan easy to obtain without guarantees is that of the so-called loan of honor. In this case we will not ask for any paychecks or income guarantees, as the recipients of this form of loan are young people between 18 and 35 years. In particular, university students are able to access credit through this financial product provided by various banks. These loans are particularly beneficial for all young people who need a certain amount of money to meet university expenses or to start an innovative project. An example of a loan for undergraduate students is Unicredit’s Credit Express Master, which helps young students pay the expenses for the Master. The amount that can be requested ranges from a minimum of 2,000 euros up to a maximum of 15,000 euros.
In addition to the interest rates that are usually cheaper than those applied for classic personal loans, the main advantage of honor loans is repayment arrangements. Unicredit, for example, provides for a repayment term of up to 8 years, which therefore guarantees monthly installments that are not excessively high. Furthermore, as noted on the bank’s website, for the first 3 years the student can decide to pay only the interest accrued annually. This will allow the young person to complete his studies without the problem of having to pay the monthly payment every month. Subsequently, once completed the studies and (hopefully) have found a job, it will no doubt be easier to meet the costs of the funding previously received.
The guarantees required to receive a loan for university students are significantly different from those provided for personal loans. The requirements as we have said will not affect income or assets, but the performance of the student. In particular, a vote in the diploma of at least 75/100 is required and must be enrolled in a three-year or master’s degree program (single-cycle). For those enrolled in the master’s degree (from the fourth year) a grade of at least 100/110 is required for the three-year degree. Finally, members of a language course with a minimum duration of 6 months and those enrolled in a doctorate program abroad (but recognized in Italy) may have access to credit for a minimum duration of 3 years.
Loans changed, easy and without guarantees
One last solution that we would like to briefly illustrate is that of loans that have been changed. This is a financing option for those who do not have particular guarantees to present. As underlined by the name of the product itself, the main feature of this form of financing is that it provides for a refund through the payment of bills. Alternative guarantees may vary based on the customer making the request. Very often, loans that have been changed are recommended to those who have been reported as bad payers. The loan request is often rejected by the latter.
For example, if you own a home, you can choose to mortgage it to access the loan. The bill is in itself a guarantee for the bank, as it is an official document through which the bank can appear before a judge to demand reimbursement. For this reason it is certainly an excellent opportunity, but also a risk as it could lead to the loss of the property in case we were not able to complete the reimbursement. If you are looking for a loan without guarantees, this is probably the option that will be offered by several banks.
Easy loans without a paycheck: like having them in a few hours
If you are looking for quick and easy loans without paychecks, there are some products that are definitely right for you. It is good to specify that the forms of loan that provide for an allocation in just a few hours are united by the fact that the amount that can be requested is not particularly high. In fact, for important sums of money, it is necessary to carry out all the necessary checks, as the risk for the bank is not indifferent. For small amounts of money there is instead the possibility of request even without a paycheck, and especially with immediate disbursement. So let’s see how easy and fast loans can be received.
The type of loan that best meets the two characteristics we are looking for is without doubt the so-called pledge credit. This form of financing is probably the simplest in circulation, as it provides for immediate payment and does not require any guarantee. The pledge credit has as a sole requirement that the applicant must be in possession of any object having a market value higher than the amount he wants to request. How many of us have objects in gold or jewels with precious stones that perhaps belonged to their parents or to their grandparents and therefore, besides their material value, they have enormous emotional value.
In case you need money with a certain urgency you could think of selling these items, but if you are particularly attached to them then the solution that suits you is precisely that of credit on pledge. But how does it work precisely? It’s very simple: at the moment of the request you just have to bring the object you want to leave as a pawn with you. An expert of the company will be in charge of estimating the market value of the object, and based on this will determine the maximum amount to which it will be possible to access based on the interest rate applied. Considering that the credit institution will remain in possession of our value object until the repayment term, it will not have any problem to proceed with the immediate payment of the amount of money that we are going to request. Our object will be stored in extremely safe places, and therefore once all the repayment installments have been paid, we will finally be returned.