But, is it possible to receive payday loans without a guarantee or without the lender previously consulting the bureau? In Credimash we explain it to you.
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Why does this question arise when we want to apply for a loan? Basically, because most of the companies that offer loans, energy supply companies or telephone companies are affiliated with these listings. And certain companies, such as banks, do not offer loans of any kind without a bureau. If, when consulting this list, they verify that the potential client has outstanding debts or does not have a correct payment history, the loan will most likely be denied.
However, you will not always have this problem when seeking financing. In Credimash, for example, we trust our clients and offer all types of loans. Both loans without collateral and loans without bureau.
Some lenders, such as Credither, do offer loans without collateral and without bureau to their clients. In fact, studying a client’s credit bureau is not a mandatory condition at the legal level to grant a loan. Instead, companies decide to use this information to avoid possible problems of default with their future customers. To such an extent that there are more and more companies that distrust loans without a bureau. This reduces the chances of obtaining liquidity for certain profiles that need it and can respond to debts. Not having to offer an endorsement or relying on the credit bureau offers more financing possibilities to all types of audiences. Hence, companies that do not use these elements as indispensable characteristics have become the solution for many users when it comes to getting a loan.
We advise you to try this website, because there you may apply for an easy online direct payday loan. In our site, you will find also interesting information about these loans.
How payday loans work without collateral and without bureau
The main characteristic of this type of payday loans is that the possible outstanding debts of the applicant do not prevent obtaining a new credit. That is, it is an excellent financial option for those people or companies whose economic situation is not the most appropriate at any given time. Or they have gone through a complicated economic streak that has been reflected in the credit bureau.
This type of credit allows access to financing all profiles, regardless of their current or past credit history. This alternative, however, is not available in traditional financial institutions. Such as our lifelong bank.
Today, financially more unstable profiles have the same opportunities to obtain liquidity as the rest. And this is achieved thanks to this type of payday loans. With these credit opportunities, all types of users have the opportunity to improve their financial situation through a product that is reliable and safe for them.
Documentation needed to apply for these loans
One of the most interesting features of this type of credit is its ease of management. In Credimash you have the opportunity to send all the necessary information to request your loan through our website. You only need to fill in the contact form or call us at the number of phone you will find on our page. Our company is regulated by the Ministry of Health and Consumer Affairs. That is, it is a product that complies with current regulations.
The requested amount may vary depending on the company that offers it. In general, it can range from € 50 to over € 3,000. But it all depends on the agreement reached with the lender.
Among the documents necessary to confirm the veracity of your application are the following:
- Photocopy of the ID. In this way we can confirm the personal data of the credit applicant.
- Bank account statement. In this way we will have your checking account to make the requested capital income and collect the agreed monthly payments between both parties.
- Documentation with which to demonstrate the existence of stable income. It doesn’t have to be a payroll. If you are receiving unemployment benefit, some kind of subsidy or even pension, it will be enough. If you are autonomous, your last quarterly VAT would help us to verify your income.
In order to apply for this type of payday loans, it is necessary to meet some prerequisites. These may vary depending on the company to which the credit is requested. But as a general rule they are usually the following:
- Be of legal age.
- Reside in Spain.
- Have a bank account in our name. Essential to be able to make the deposit and the subsequent monthly payments.
- Have an email account. Which will be necessary to process the application and deliver the required documentation.
Provided that these four requirements are met, the personal loan without guarantee and without a bureau is usually secured.
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