Quick and easy financing: are they possible even without a guarantee?
Getting loans in 24 or 48 hours is now possible (very often even if you go online), but getting easy without pay or a demonstrable income, except for very few borderline cases, is a very complicated undertaking. What are the real alternatives available?
Option 1: the pledge
Pawn loans are the fastest and easiest way to get immediate liquidity. The advantage is therefore the speed with which you get the sum you need (provided that the good given as a guarantee has a sufficient value). Disadvantages include:
- a maximum duration of the loan of 12 months (which is the last deadline by which to repay the sum requested plus interest including custody costs);
- an assessment however lower than the real value of the asset itself.
However, if the sum is not sufficient for the repayment upon expiration, you can try to renew the contract for a few more months, or let the bank put the pledged asset up for sale to find satisfaction of the credit it boasts.
In both cases, the defaulting customer does not go through foreclosures or other proceedings, and there is no notification in the system (Crif). A practice granted only by fairly large banks, such as OneCash.
Option 2: the loan changed
Between friends, relatives and acquaintances, banks, etc., nothing prevents at the legal level the loan with bills of exchange is granted (see also Loan exchanged at home ). The important thing is to pay attention to the interest rate applied, which can be excessively onerous, and to the seriousness and reliability of the lender.
Moreover for tranquility (also from the fiscal point of view) it is useful to also make a contract or at least a private writing, which certifies the loan between private individuals. The credit reputation can be taken into consideration, but above all it looks at the asset guarantees that the applicants have to offer and that the lender can attack in the event of insolvency.
Option 3: installment payments
There are two systems that allow you to pay in installments. The simplest one is represented by the revolving cards (see also Best revolving cards ), looking at those that are granted even without payroll, by virtue of maybe a continuous and correct relationship that has lasted for a long time (former financial companies like Findomestic, or specialized companies in the provision of credit as Cleopar or Bankate can be consulted). The second is the one that uses the checks as a guarantee: upon payment of each installment, a new check must be made, for an amount less than the sum returned, and continued until full repayment.