Bank loans without payroll: unsecured loans for unemployed persons
The Bank Loan Payout Loan is a particular type of loan that can be accessed by all people, even if they do not receive a salary, a pension or a demonstrable income.
To obtain the loan without bank paychecks the basic requirement is the presence of a guarantor, in fact for this loan there are no other forms of guarantees such as real estate. We can therefore state that you can get bank loans even if you do not have a paycheck, provided that the applicant has a guarantor with a good economic and financial situation.
How to apply for a bank loan without a paycheck
Making the bank loan application without paychecks is very simple, simply submitting the following documentation to the nearest branch:
- valid identity document
- tax code or regional health card
- the last declaration of income (as anticipated, in case you do not have the paycheck you will have to present the income documents of a guarantor, or the one who in case of non-payment will worry about paying the debt)
Foreign citizens in order to obtain funding must provide a valid residence permit and must have resided in Italy for at least one year.
In fact, those who wish to apply for a bank loan must be resident in Italy and must be aged between 18 and 70 years.
Comprehensive quote for loans without paychecks or guarantees
By connecting to the bank website, the user can request a quote free of charge. bank with this service offers its customers the opportunity to simulate what could be the installment if you wanted to proceed with the loan request you want. Making the request for a quote does not imply the presentation of guarantees , in fact all those (even users not registered quini not customers bank) who want to simulate the calculation of the installment of their loan can do so without obligation.
Are you interested and would you like to receive a certain loan amount? Before you make an appointment at the insurance company branch, we recommend that you simulate the loan payment, doing it is very simple.
Connected to the bank website, you will find a tool at your disposal, where you will need to enter the following information:
- the desired amount (attention must be between 5,000 and 20,000 euros)
- the duration of the loan, or the number of monthly installments within which the loan is to be repaid.
After entering the two required data with a simple click you will instantly receive the amount of each installment and the interest rates Tan and Taeg applied at that time, the sum of these values will also allow you to get the total cost of the loan .
Provision and repayment of the loan
Regarding the method of payment and the related timing, the bank insurance company is very quick, in fact in some cases they are able to pay the Loan by a check or bank transfer also on the same day. The customer can make a refund using the bank compatible bulletin at the Sisal receivers, at the authorized QuiPay points, at the Lottomatica points of sale, at the post offices, or else he can choose to make the payment by direct debit of the sum postal or bank account.
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