Bad credit loans -Instant decision, Request a guaranteed small loan bad credit

Bad credit loans -Instant decision, Request a guaranteed small loan bad credit

Instant decision, Request a guaranteed small loan bad credit

Financial companies or banks that have oriented part of their offer to online subscriptions can opt for three types of “access”:

  • 100% online procedure which mainly uses the digital signature system ;
  • procedure for online loans without going to the branch but using the paper forms;
  • initial online procedure and then meeting in the agency or branch to formalize the request and deliver the documents.

The latter modality is the one that is becoming less and less frequent as it reduces the concrete and real advantages related to the convenience of a request for financing from home or from your smartphone on the move.

The 100% online procedure has the advantage of being safe and fast (for example there are no waiting times linked to the sending of paper forms) and it is easier to follow the process of the request guaranteed small loan bad credit.

Safe procedures

When proposing a 100% digital online loan, the lender must make use of the digital signature. This represents a strong, secure and reliable system for the identity of the applicant to be recognized and does not require possession of a Pec or a service card.

In providing this type of instrument there is a certain difference depending on whether it is a loan proposed by a bank, which sees the provision of financing as an additional or “ancillary” service to a current account or whether we refer to a financial company or even to a bank that mainly offers loans.

In the first case, the procedure to be followed starts and is managed within the specific area of ​​the internet banking service. In this way, the bank will already have information on the certain identification of the applicant at the start (the digital signature is as if it had been affixed upstream).

It is a method that can also be used outside the private financial circuit. In this sense, we find an example with the small loan of public employees that can be requested directly within the personal area.

Instead, in the case of financial companies or banks that focus on the offer of loans even to those who are not current account holders, the ‘real’ digital signature is used in very simple ways.

Do all online banks offer them without going to the branch?

The logical connection between “online bank” and the offer of a loan entirely on the web comes almost spontaneously. In practice, however, it is not said that the situation will be exactly this way. One of the largest online banks such as Lite bank, for example, offers the Orange Loan with a request for a quote and an online loan, but still wants the documentation to be sent in paper form.

Therefore, before proceeding with a loan request, it is necessary to check the type of procedure that will be followed not only in the application phase but also in the subsequent ones. Obviously all this must not be misled by the need to keep the attention paid to some very important aspects related to the actual convenience such as:

  • Tan and Taeg ;
  • ancillary and other costs;
  • compulsory or optional insurance costs;
  • methods of crediting and refunding;
  • presence of possible conventions such as Social Institute for pensioners;
  • conditions of any promotions or timed offers.

Credit for self – employed persons without credit rating

A loan for self-employed persons with no credit rating is not available from any reputable bank. This statement does not only refer to local banks or savings banks, but also includes foreign banks.

Loan for freelancers

Loan for freelancers


Self-employed people who have no secure income or positive credit information should ask themselves critically whether they really have sufficient financial means to repay a loan properly, completely and on time. If this is the case, a reputable credit broker or a private lender would be the right contact.

Credit Providers

Credit Providers

Many local or foreign credit intermediaries offer their services on the Internet. Anyone who has been working in this area for many years has extensive specialist knowledge and can also help in difficult cases. However, even the best credit intermediary cannot guarantee that a loan for the self-employed without creditworthiness will actually be made.

Anyone who claims this is most certainly dubious. In addition, no one should pay any upfront costs before a loan approval and payment has been made. Reputable lenders include the costs of applying for a loan and during the loan term in the monthly repayment installments.

Private lenders

Private lenders

There are several ways to take out a personal loan. Anyone who registers on a credit brokerage portal on the Internet can set their credit request there and wait until a lender is found who would be willing to pay out a loan for self-employed persons with no credit rating. However, the concern of the borrower must be presented convincingly. If this is the case, several lenders can also contribute a partial sum to the total amount. This is a very significant advantage of a loan brokerage portal that does not exist with a bank loan.

The terms of the loan and the repayment of the loan are made by both contracting parties. This also applies in the event that a personal loan is taken out among friends or relatives. Once agreements have been made, they should be strictly adhered to. Otherwise a lot of trust can be lost, which is difficult to repair, especially in the private sector.

Payday loan: what is it?

You, a registered employee, have certainly heard of payday loans, right? It is a much less bureaucratic way of obtaining loans. But do you know how to calculate the consignable loan margin?

It is necessary to understand that there is a discount limit on your pay stub, for loans. This is called the consignable margin. That is, if the consigned margin is already committed, it will not be possible to obtain new loans – at least until the settlement of the outstanding installments and release of the margin.

In our post today you will learn a little more about the payday loan, for whom it is indicated and how to calculate the consignable margin.

Who is the payday loan indicated for?

Who is the payroll loan indicated for?

Unlike other loan lines, which are available for different profiles, the payday loan is especially dedicated to civilian and military civil servants (active or inactive), pensioners, retirees and employees of private companies that have an agreement with some banking institution.

The payday loan is characterized by the discount of the installments directly on the payroll or benefit of the applicant . Thus, the creditor reduces, even if not in its entirety, the default risk.

The guarantee for the receipt of the payday loan by the lender results in a considerable reduction in the interest rate. It is a rule: the lower the risk for the institution, the lower the interest rates applied.

Can domestic workers obtain payday loans?

Can domestic workers obtain payroll loans?

When talking about the possibility of payday loans for registered workers, there are some professional groups that, even with the proper registration, do not obtain advantages in hiring the resource. Domestic workers are a clear example.

It is worth saying that through the regulation of this professional category by the Constitutional Amendment 72, of 2013 – which protected access to all labor rights, such as vacations, 13th salary, FGTS and a 44-hour week, for example – domestic professionals have total proving income and, theoretically, they would be able to apply for payday loans.

However, even with all acquired rights, domestic employees still encounter some resistance from banking institutions. These, in turn, do not evaluate this group of workers as potential, denying – in most cases – personal or payday loans. The lack of an agreement between the financial institution and the employer is one of the technical impediments that results in the negative.

If you fall into this situation, both on the part of the employee – who does not feel comfortable asking for a loan from the bosses – and the employer – who cannot commit the budget with outflows of money not foreseen in his planning – we have a solution!

Main advantages of the payday loan

Main advantages of the payroll loan

When opting for a payday loan, you, worker, enjoy some advantages and benefits that are not available in other lines of credit. See some of them:

Without consulting private credit checker

As the loan installments will be discounted directly on the sheet, the lender is not at risk of lending the amount. Therefore, even those with name restrictions can easily access the credit line .

Reduced interest rates

With the guarantee of the payroll discount, the institutions are assured of the monthly payment of the installments. Therefore, they are less at risk. In this scenario, interest rates become much more attractive than in other modalities, such as personal credit.

It is worth noting that even lower interest rates differ according to the applicant’s employment relationship. You can check them out here .

Faster approval

In payday loans, the amount is released in a short period of time. As external evaluations are not necessary, since the information for consultation is available on the banking network itself, the amounts are credited to an account between 24 and 48 hours .

The term depends, exclusively, on what was entered into in the contract, in the institution’s internal policy or in the annotation – which is the acceptance of the paying institution and authorization of the discount in the paycheck or benefit.

Cash credit without Credit Bureau immediately

In some moments in life, you can’t wait long for a bank to process your loan application. You don’t need the money in your account, you need it paid out immediately – for example, if you urgently need to buy a new computer to work, or your car needs to go to the workshop. In such a situation, you cannot wait for the protection association for general credit protection (Credit Bureau) to give the green light, since this would also only take up unnecessary time. You need a cash advance without Credit Bureau right away. There is good news and bad news in this regard. The positive message is: it is quite possible to get a loan. The negative: you have to live with some restrictions.

Take cash credit from a bank without Credit Bureau immediately

Take cash credit from a bank without Credit Bureau immediately

The best chance of how you can get a cash loan without a Credit Bureau immediately from a financial institution is through your house bank. They already know you there and therefore no longer have to check your income. However, you have to reckon with the fact that you will be suggested to extend your overdraft facility by the loan amount, because this is the quickest to implement administratively. You will then simply receive your money at the nearest ATM.

However, you should carefully consider whether you really want the overdraft facility. After all, the interest rates for this option are huge. You pay in double digits. The borrowing costs are huge. As a tip: do not forget that later, if you have the time, you can reschedule a installment loan. So you can contain the loan costs again.

If you would like to have another corresponding loan with instant cash payment and are not lucky with your house bank, you will probably have to contact a credit broker to get appropriate contact with a money house. It doesn’t work for nothing, your credit costs will increase in this case too. Do not forget that the intermediary, if he is reputable, will not ask for advance payment. It is paid as soon as the loan agreement for the cash loan without Credit Bureau has been successfully signed with immediate payment.

Cash credit without Credit Bureau immediately from a private individual

Cash credit without Credit Bureau immediately from a private individual

The best alternative to a Credit Bureau-free cash loan that is currently paid by a bank is the private individual. After all, you won’t find many money houses that make instant cash withdrawals without Credit Bureau control. You can search for suitable private individuals in your area. If you don’t find anyone here to give you the money, the alternative is to consult one of the loan platforms where private lenders and borrowers get together.

However, due to the limitations of the technology, you cannot expect an immediate payment here. If the money is urgently needed, however, you can try to defer payment with the loan promise. Most money recipients are likely to agree, after all, now they see that they don’t have to wait long for the money.

You can also try this trick if you can only get a lightning credit from a bank that does not provide for an immediate cash payment. In general, however, you always have to expect that the loan amounts are severely limited – mostly in the three-digit range.

Loans with low interest rates – You can easily find cheap interest rates

Today, many consumers are placing greater emphasis on low-interest, secure borrowing. Loans with low interest rates can be found today with numerous providers. The online banking business in particular has stimulated the credit business very strongly in the past. The competition between the individual providers has led many banks to rethink and improve their terms.

Today, consumers can benefit from low interest rates and attractive conditions. In addition, the credit products have improved significantly, particularly in terms of the flexibility of the contract. However, the large variety of offers makes it increasingly difficult for consumers to compare credit, a comparison is no longer possible today without the Internet.

Find loans with low interest rates and save a lot of money

Find loans with low interest rates and save a lot of money

Loans that can convince with a low interest rate can actually be found in every market segment today, so cars, real estate and other consumer goods can be financed at low interest rates.

If you want to save money on borrowing and want to permanently secure the best interest rates, you should definitely pay attention to the effective interest rate when comparing. The effective interest rate is of enormous importance for the total cost of the loan, the effective interest rate covers all costs associated with borrowing.

In addition to the borrowing rate (which is often used for advertising purposes), the effective interest rate also takes into account all other costs, such as processing and administration fees, etc. as a percentage. The effective interest rate is influenced not least by the individual requirements of the borrower on the loan. Both the term, loan amount and use influence the effective interest rate, and last but not least, the creditworthiness of the borrower also plays a key role in determining the effective interest rate.

If you want to benefit from the cheapest possible loan, you should choose the shortest possible term and a low loan amount. A short term and low loan amounts pose a lower risk for the banks, which means that credit products with short terms and low loan amounts are offered at particularly favorable terms. Short terms are always associated with a high liquidity burden, those who have a low income should proceed carefully here and plan the repayment carefully. Short terms and high repayments significantly increase the credit default risk.

Find low interest rate loans in comparison

Find low interest rate loans in comparison

Loans with low interest rates can be found today in a direct comparison of several offers. Loan calculators on the Internet enable a comparison of several offers, taking certain parameters into account. Information on the loan amount, duration and use make it possible to limit the search significantly and to find the best offer for each individual. Online loan comparisons are quick, easy, objective and often free of charge. A comparison can reveal potential savings and save a lot of money in the long term.

Lightning credit for self-employed

A lightning credit for the self-employed is not easy to obtain. This is especially true if the loan is to be used for private and not for business purposes. The self-employed do not have a fixed income that can be used as collateral.

Requirements for lending

Many banks make their personal loans available only to employees and exclude self-employed and freelancers from lending. For this reason, there is only a realistic chance of a lightning credit for the self-employed if the persons concerned can find a bank that would be willing to take the risk that would be associated with an irregular and sometimes significantly fluctuating income. In addition, the Credit Bureau information should be in order. If the self-employed person has not paid any bills in the past or if another loan has been canceled due to arrears, a loan cannot be granted.

Here, however, there would be the possibility to commission a private credit broker. However, he should be reputable and under no circumstances demand any upfront costs. In this case, the self-employed person could assume that there will probably never be a loan brokerage.

Application and approval

Application and approval

Regardless of whether a self-employed lightening credit is granted by a private lender or by a bank, the borrower should assume that he has to submit various documents when applying for creditworthiness and personal income. For a commercial enterprise, this could be the business accounting (BWA) and for a freelance person, the profit and loss account or the income surplus account.

The lender will also request the bank statements of the past three months and / or the last two income tax returns. If all the requirements for a loan are met, the instant credit for the self-employed will be transferred to the borrower’s checking account within 24 hours.

Repayment of the loan

Every loan approval is accompanied by the signing of a loan agreement that specifies exactly how the loan must be repaid. A lightning credit for the self-employed is characterized by fixed monthly repayment rates and clearly defined terms. The installments must also be paid if the income drops significantly or is not at all. Anyone who does not do this would face serious consequences, which can range from various reminders from the bank to the termination of the loan.

For this reason, any self-employed person who gets into payment difficulties at some point should seek a conversation with the bank in good time. The bank often shows understanding of the situation and can accommodate the borrower to a certain point. For example, monthly payments could be temporarily reduced or deferred for a while.

Lightning loans without Credit Bureau

Many consumers dream of the quick money dream. Often, however, they cannot get the quick money from their work and have to obtain it through a loan. No problem, as long as you can meet all the requirements as a borrower.

In particular, the creditworthiness and the Credit Bureau associated with it must be extraordinarily good for a loan. Anyone who is negatively biased here will find it difficult to find a good and worthwhile offer. It is true that advertisements are often made with quick loans without a credit check.

But behind it often only lure offers from windy providers hide, which sometimes pave the way into deep debts. It is therefore better to look very carefully before concluding such a loan, who provides the offer and what conditions are associated with it. Because lightning credits without Credit Bureau are not always serious.

Advertising is one thing – facts another

Advertising is one thing - facts another

The advertising can promise a lot and talk beautifully. This is well known. Despite this, more than 400,000 consumers are looking for lightning credits without Credit Bureau every year, and many of them are very disappointed in the end because the desired loan was unsuccessful and the advertising promises were not kept.

If things get really thick and agency fees are due, the disappointment and anger are even greater. If you really want one of the lightning credits without Credit Bureau here, you have to look very closely with whom you are signing a contract.

Tips for lightning loans without Credit Bureau

First you should get very precise information about the providers. Which bank actually offers such a loan? How is it financed and what collateral is required? Who has problems with the Credit Bureau or even the creditworthiness can offer only a few guarantees. That is why it is particularly important to meet the taste of the bank here.

In addition, one should urgently try to take out the loan without intermediaries. It only costs money and sometimes achieves less than you do when you contact the bank directly. One rule says that loans with bad conditions usually come from abroad.

So you should orient yourself accordingly from the outset and contact the banks abroad. This saves time and also saves many cancellations from German banks, which will not approve a loan under these conditions anyway.

The annuity loans are also called redemption or repayment loans


Annual loans are the most commonly agreed form of loan today. An annuity loan is a classic form of real estate financing with regular and constant payment amounts. The annuity loan is the classic form of real estate financing.

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Annuity Loan: French “English” German


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Annual fees loan

Annual fees loan

The annuity loan is the standard solution among real estate financing products. This is how an annuity loan works: A constant monthly or quarterly installment payment (the annuity) is paid, which results from the target interest portion and the repayment portion.

In the case of annuity loans, the target interest rate is set for a certain target fixed interest period. As the repayment proceeds, the target interest portion contained in the annuity decreases, while the repayment portion increases accordingly.

The repayment period can be set to a maximum of 15 years. Only then will you start repaying your loan. When financing your property, you should ensure constant interest rates with regular repayments for over 30 years.