In this article we will see how the inhabitants of the Lazio region can access personal loans even in the absence of a paycheck that can be presented as a guarantee of constant income. We will discover in general how these loans work and we will make some examples of banking institutions that offer this service in the Lazio region.

Loans without a paycheck are dedicated to all

Those who cannot enjoy a fixed salary, but guarantees are required in any case. Usually these types of loans do not concern very high figures since banks are hardly willing to offer large sums of money to those who cannot give them concrete guarantees. Obviously banks and credit institutions do not offer loans with a total absence of guarantees, so if a paycheck or pension is not presented, a valid alternative will have to be found, such as the presence of a third party, a guarantor, who takes charge of paying the debt firsthand if the loan holder is unable to do so.

In the Lazio region, but also in the rest of Italy, the main categories of subjects applying for loans without a paycheck are: students, housewives, irregular workers, entrepreneurs especially if young, craftsmen, the unemployed, students and self-employed and freelance workers. Sometimes employees also request these loans but they have a paycheck already occupied by other ongoing loans that take away from 35% up to 50% of their net salary.

Loans without an envelope in Lazio are given both by normal banking institutions but also by financial companies. Since it is a type of financial product that can vary from bank to bank, it is advisable to evaluate different offers, compare and then decide which is the best for your economic needs.

Loans without paychecks with a Guarantor

Loans without paychecks with a Guarantor

The famous Italian group for example has decided to provide loans for subjects without a paycheck through the presence of a guarantor (also called a guarantor), or it is a subject that officially decides to repay the monthly installments of the loan without a paycheck to the place of the holder of the loan in case he is not able. In order for the loan application to be accepted by the institution, it is mandatory that the guarantor enjoys a good financial history and economic reliability, such as, for example, he must not be a protested, a bad payer or a reported to the Crif.

Loans in Lazio without paychecks with Bank Credit and Special Bank

Loans in Lazio without paychecks with Bank Credit and Poste Italiane

Bank Credit grants the loan called Credit Mini in the Lazio region, dedicated to all those who are not in possession of a paycheck. This loan is repaid in a maximum of 36 monthly installments starting from 168.2 USD each, with Tan of 12.90% and a Taeg of 15.83%. It is a non-finalized loan that serves to cover small unexpected expenses, they are granted from a minimum of 1,500 USD up to a maximum of 3,000 USD.

The Special Bank is a  company that has also decided to grant extra credit in Lazio to all those who are not in possession of a paycheck through a special product called Special Cash. For all those who are holders of a postepay or postepay evolution card, this type of loan is available in no time.

The amount granted has a not very high amount, in fact it is equal to 1,500 USD to be repaid in a maximum of 24 installments equal to 71.5 USD each, with a Taeg equal to 15.46%.