Online loans without payroll for freelancers, housewives and students
The 3 things to know:
- Requirements: the ability to return the money obtained must be demonstrated
- Categories: self-employed, with VAT number, housewives, students
- Compare the loans and choose the one that best suits your needs
Personal loans: get up to € 75,000 Calculate the installment »
Buying a car, home, renovating or traveling to Caribbean destinations is not a dream reserved only for those who work indefinitely. Everyone can apply for specific personal loans, even those who are not employees, that is freelancers, or students, to pay for master’s degrees and other studies. What matters when you apply for loans without pay slip, with VAT number and other special cases, is to demonstrate the ability to return the money obtained to subsidize the bank or the financial company. The loans are divided into categories (loans for those who are not employees, for those who do not have a pay slip, for housewives, loans for young people) and the offer of banks is wide and personalized.
You can get a small sum of money through a microloan to take a vacation, buy appliances or furniture, alternatively request a revolving card by paying all in small monthly installments with a debit to a current account. With the disbursement of medium-high amounts, on the other hand, you can buy real estate, perform small and large restorations. How to apply for loans without a pay slip, with VAT number and other special cases is explained in this guide.
Loans for self-employed and freelancers
Self-employed workers with a VAT number and freelancers who do not receive pay slips must present the last or latest tax returns to the bank, as well as the tax code and identity document. Of course the payment of the requested sum depends on personal income, which must be such as to allow the repayment of the loan. If income permits, these categories of workers can obtain loans even without a guarantor, loans for self-employed workers and loans for freelancers.
For the most important purchases, in the real estate sector for example, the support of a guarantor and the institution of the mortgage on the house can be requested instead. As for mortgages, in addition to the income documents, it is necessary to have identified the property to be purchased and to present to the bank the compromise, the cadastral papers and other specific documents.
Loans for housewives
Even housewives without demonstrable income can obtain financing, the important thing is to have a minimum fixed income deriving for example from rents, from the management of an occasional b & b between the domestic walls, or from occasional works performed with generic receipt. In these cases the disbursement of loans without payroll is almost always subject to the support of a guarantor and the amount received is of a small average amount.
To obtain a loan for housewives, it is necessary to present the following documents: identity card, generic receipt block, income tax return, list of transactions with credits received on the current account, rental contract or declaration of commencement of activity in the case of bed & breakfasts, indication of ‘owned property on which to put the mortgage and specification of the guarantor with working and income documents of the guarantor.
Loans for university students
What has been said for home loans is for young and under-age loans to finance studies, in which the figure from the guarantor is essential. We are in the field of purpose financing, including car and travel loans. This type of loan requires the indication of the reason for the request; these are modeled loans, tailored to customer needs, as can be mortgages or other types of financing, so just look for the cheapest bank with flexible repayment plans and minimum interest: to find the best deals, use our comparator loans.
Loans for protesters and loans with delegation
More complicated is the situation of the protesters and the bad payers, who can still obtain loans through the assignment of the fifth, or by giving their own TFR as a guarantee. This is a solution suitable for pensioners or employees, however suitable for those with demonstrable income. The protesters can also take advantage of the loan delegation through the employer, or take advantage of the institution of the surety with guarantees of a third subject, to deepen the topic, read our guide on loans for bad payers.