Loans without payroll

The market of loans to individuals has grown exponentially and, above all, alternative financial services to banks, following the economic crisis that began in 2009 and lasted for five years.

To overcome the situation, the Central Bank lowered interest rates, with the result that the availability of liquidity for companies is much greater and, therefore, they are interested in lending money to make it profitable, given that having it in a fixed-term financial institution means losing value.

In this specific case, consumer loans are a way to stimulate economic activity through the purchase of goods and services, which interests governments and economic regulators. Parallel to the recovery of economic activity, the possibilities of unpaid loans offered by specialized financial services companies in this market niche have increased.

In addition, and at a domestic level, we have to indicate that we Spaniards are homologoating ourselves more and more with the countries of our environment, and we opt for loans without payroll to face specific expenses or, simply, response to an unforeseen event. In 2016, the record of consumer loans for individuals was broken, with more than 10 million contracts signed, 14% more than in 2015; Even so, there are countries in the European Union, such as France, where personal loans are more common.

Another reason for the increase in the hiring of unpaid loans with specialized companies is that your relationship with the company is limited to the agreed loan, while with banking entities it is somewhat more complex, since they try, in many cases, to sell you a linked product that you do not need. The old technique of cross selling, common in all shops, is also used in banking and, in fact, on many occasions, to contract the loan you will be forced to take another financial product in the pack.

Competition in the sector is allowing new products with more competitive interests to be hired, and today we can say that it is not necessary to be a potentate to have a loan without payroll. The most common is to use the money to buy cars, appliances, to spend the holidays or pay for events, such as a banquet.

Online loan without payroll

Online loan without payroll

A quick loan is usually used, above all, for the purchase of a durable good or for the financing of specific expenses. In this case, a payroll is usually requested as a guarantee or a stable source of income. It will depend on your medium-term economic response capabilities, but you can hire up to 5,000 euros to repay in 48 months.

Of course, in this case you will have to describe what is the good you want to acquire, as well as your market valuation so that you can approve the operation. It is a medium-term operation, but it must be said that the market trend in Spain is to lengthen the payment periods, being the most usual to opt for return periods of between one year and five.

Who benefits the loans without payroll?

Who benefits the loans without payroll?

Unpaid loans have become a great way to request easy money, fast and without third-party guarantees. However, because it is a risky financial transaction, the banking entities that grant them rely on the personal assets of the lenders (credit beneficiaries) and, in the event of default, activate the collection mechanisms through the attachment of goods (present and future), until paying off the debt with the generated interest.

Are you thinking about requesting one? Perhaps your qualities as an applicant for credit, in the usual financial and mortgage channels, do not meet the sufficient guarantees required by the banks. You have reaped negatives over and over again. They do not lend you You are facing an economic emergency, you need to face an unforeseen payment. A unique opportunity has arisen and, once again, you do not have enough money to fulfill your dreams. Unpaid loans can help you.

Who are the online loans for without a payroll?

Who are the online loans for without a payroll?

Citizens unemployed or without permanent work

Although online loans without payroll are subject to higher interest than mortgage loans, the amount, as small amounts of money, does not increase excessively, if the installments are paid in a timely manner. This benefits, especially, those workers who, without having a regular income (unemployed people, workers with contracts for work and service or temporary), need money urgently and without too much paperwork.

A fine of traffic, obligations with the Treasury or the payment of bills (electricity, water, gas, telephone …) could motivate you to request a loan without payroll to get out of step. In these cases, the immediate payment of your responsibilities is of great interest. And, if not comply with these obligations, the amounts owed could be transformed, in the case of a fine, from 60 to 120 euros (double), in a very short period.

Included in delinquent listings

Have you stumbled on the “no” when you went to apply for a mortgage or installment financing of a high-end mobile phone? The reasons may be diverse and one of them could be that you are part of a list of defaulters. In Spain, the reference lists are Financial Credit Institutions, RAI and Cribe, which, according to Law 5/1992, notify by registered letter to those affected their integration in them.

The dreaded Financial Credit Institutions has been a workhorse for millions of people, but those of us who know how big companies work, know that being included in the file of defaulters is not equivalent to owing money. The increasing complexity of economic activity also implies complex situations in which not everything is black or white.

It may be that we have become confused in the payment of an invoice for a change of address and that, after a few years, the bank denies us an operation because we are registered as defaulters. It could also be that we have refused to pay an invoice for supplies that we considered abusive and that, in retaliation, the company has included us in that file.

Although, until 2009, financial institutions relativized the importance of this blacklist, with the arrival of the Great Recession, the risk departments of banks became stricter to avoid increases in delinquency and one of the consequences was to close the credit to those people who were included in the list.

Fortunately, today there are several financial services companies that are aware of this problem and offer loans to people who are in Financial Credit Institutions but can demonstrate the ability to return it.

The non-payment of a debt, a fee or a receipt chases you and can bring unexpected consequences. Therefore, online loans without payroll benefit you, especially if you belong to one of these lists, which, unlike banks, do not rely on this information to grant or deny a credit.

Money calls money and credits, sometimes, are often necessary to rebuild and build. Weigh the advantages and disadvantages of this financial product and for all!

Request an online loan without payroll

Request an online loan without payroll

Traditionally, to get a loan for consumption they used to ask for a payroll. Now, it is possible that you have alternative sources of income important enough to face it and that the financial institution, depending on its risk policy, denies it. In fact, many people have encountered this situation in the wake of the economic crisis.

Unpaid loans respond to a popular certainty that, it seems, many financial entities are not yet aware: not having a payroll does not imply lack of economic resources. A paradigmatic case is that of the self-employed who work on their own but have easily demonstrable income through quarterly IVA or IRPF settlements.

One of the advantages of hiring an online loan without payroll is immediacy. If you apply for a credit to the bank, it probably takes several days for it to be granted, not counting the waiting time in the office. Instead, the internet offers an answer in a few minutes, from the comfort of your computer.

Secondly, online loans without a payroll can be used to cover unforeseen expenses, such as a traffic ticket or fees that you have to pay without losing time. You can ask for up to 800 euros to be paid in six weeks, enough time to be able to face the payment and return the money.

To be able to contract an online loan without payroll you only need a demonstrable source of income, be between 18 and 65 years old and a mobile phone in which you can receive the notification. Once the transaction is approved, in a few minutes you will have the money in your bank account.

Are There Mini Loans Without Requirements?

Many people wonder if it is true that there really are so-called mini loans without requirements. It is very likely that you also ask yourself this question if you are looking for funding, since there has been a lot of talk about this type of financial services but at the same time there are many doubts about it. Next, we will answer the following question: is it true that mini-loans exist without requirements? Let’s see.

How to get mini loans without requirements

How to get mini loans without requirements

Mini loans that do not have any kind of requirement do not exist. However, there are some quick loans that have virtually no requirements. In fact, the few they have tend to have very low demands.

Therefore, even if you hear about loans without requirements, what people really mean is that compared to bank loans, they have almost no requirements. Do you want to know what you must meet to apply for one of these loans?


To apply for one of these loans it is necessary that you have, at least, the age that the lender requests. Generally this age is in the 18 years. However, because many lenders do not want to lend their money to people who are too young, you may find yourself with some entities that increase this age up to 21, 25 or even 30 years.

On the other hand, in many cases there is also a maximum in age. In the same way that the minimum can be found in 18, 21 or 25 years, the maximum can also vary. Generally, you can apply for this type of loan up to 70 years. Sometimes, this age can be higher (for example, 75 years) or lower (65 years).

The residence

In order to apply for one of these loans with few requirements, you will need to be a resident in Spain. This means that if you are Spanish, but live outside of Spain as an official resident, you will need to apply for a loan in an entity in the country where you are living.

On the other hand, if you are not Spanish but you are residing legally in Spain, that is, you have a NIE that identifies you, you can request this type of loan from any of the entities that you can find here.

Therefore, in order to access these loans you need a valid Spanish identity document, regardless of whether it is a DNI or NIE.


Another requirement that you need to meet to apply for a quick mini loan is to have income. But these revenues must meet three characteristics. Let’s see what they are.

  • Regular This means that the money you earn must enter your bank account on a regular basis. For example, once a month. Therefore, if you receive a certain amount of money from time to time but it does not happen again in a long time, that type of income would not make you eligible for the loan.
  • Demonstrable This money must be demonstrably legal, so it must come from a legal source, such as a declared job or some type of benefit or pension. You can also use the rents if you are a rentier. However, if you work earning money in black, that is, without going through the bank and a record is left, you will not be able to access the funding no matter how high the amount you earn per month.
  • Enough Although it is obvious, sometimes it is necessary to say it too. The amount of money you earn each month should be enough to pay off the loan once the return period ends. If the income you count on each month meets these three characteristics you can request a mini loan without requirements. Therefore, it is not necessary that you have a payroll. You can access this financing having another type of income, such as the income generated by your work as self-employed, an unemployment benefit or a pension that meets all three characteristics.

Contact method

The entity to which you apply for the loan needs to have a contact method to be able to talk with you about their conditions and communicate the different notifications that you need to make. In many cases it will serve you simply by including a phone number or an email in your application.

Remember that you must have some type of contact method since, being a service that is provided online, the company will send you the documents for you to sign, as well as the loan contract through one of these means.

Bank account in your name

In order for the company to transfer the money you have requested, it is necessary that you have a bank account in your name. This means that if your wife or husband is the owner of the account, it will be he or she who has to put their name on the application.

This condition, which can often seem insignificant, is very important and basic. In fact, if you do not have a bank account of which you are a holder or co-owner, you will not be able to request either this type of financing or, in general, any other.

Not being in Financial Credit Institutions

Financial Credit Institutions is the National Association of Financial Credit Establishments. This association manages a file that includes people who have debts with entities or companies.

There are some lender companies that allow you to request this type of fast loans online even if you are in a file of defaulters, such as Financial Credit Institutions. However, this is not always the case. There are other companies that will not accept your application if you are in one of these registers.

Undoubtedly, this is something that you should keep in mind since in case you are in Financial Credit Institutions one of your simplest financing solutions are the mini loans. But you must go to a company that accepts clients in your situation.

These are the basic requirements that you can find in mini-loan companies without requirements. These may vary from one company to another. However, the great majority of fast-loan companies have the norm to include these conditions. If you are looking for this type of financing, do not hesitate to take a look at our website. You can find the financing you need in a few minutes.