Bankate loans without payroll: even without guarantor?
Bankate has expanded its offer over the years, which has become more complete both for the personal loans section and for the loans, which flank the historical credit card section (also revolving), with the addition of the insurance sector.. Obviously the granting of loans, even those for which the online quote is requested, takes place after a preliminary investigation phase.
Among the financial competitors, Agos is not among the fastest, placing itself in an intermediate position, with all in all normal timing. The fact remains that, in addition to some minimum requirements, ‘additional’ guarantees can be requested, which vary according to the amount requested, the duration and the type of loan.
With or without guarantor?
The possibility of being able to make use of the signature of a guarantor, considered solid from the income point of view, and with a good credit reputation, can simplify the evasion of a cumbersome practice, but can also allow, to those without payroll and without income, to still get the go-ahead (see also Loan for students ).
This does not mean that Agos makes loans without a pay slip and without any kind of guarantee, but you can agree on the type of guarantee you are willing to accept.
What are the income requirements?
It is not wrong to claim that Agos makes loans without pay in an absolute sense. In this regard it is enough to think of self-employed workers who need personal loans. The important thing is that you have a demonstrable income, even if in the case of those who do not have a dependent job, instead of requesting only the last pay packet and the cud and / or 730 of the previous year, the last two Unico models presented are requested (a common practice also for other banks or financial institutions, due to the component classified as “business risk”).
This does not therefore limit the possibility of accessing finance, but requires that alternative guarantees be obtained (see also Loan with pledge ).
How to log in?
Whatever funding is requested, you cannot avoid the agency transfer. However, by downloading the Agos app (compatible with Android, Windows Phone and iOS) you can make an appointment from your smartphone.