Non-payroll loans are those loans that can be granted without providing a payroll. Normally, banks refuse this type of loan because they do not have a clear guarantee of repayment. Credits without payroll can be granted; You need to provide the guarantee of a property to get it.
How can I get a loan without payroll
In Astro finance we are specialists in the granting of loans without payroll and we have extensive experience in the processing of fast loans with guarantee. In Astro finance we believe in you and in your project.
- We can grant you loans without payroll from $ 6000 if you leave us as a guarantee real estate.
- The maximum amount that we can grant you is approximately 30% of the value of said property, which can be a house, a flat, an industrial building, an apartment, etc.
- To be able to grant the loan without payroll quickly and conveniently, the ideal would be for the property to be free of mortgage charges and 100% of your property. If the property were under a mortgage loan we could consider granting you a loan to cancel it.
- You can also leave us as collateral for your loan without payroll other things like a vehicle – car, motorcycle, van – works of art, or even your taxi license (with the permission of your town hall). In Astro finance we put everything on our part so you can access the financing you need.
- In Astro finance we grant loans without payroll with interests that usually vary between 9% and 12%.
Flexibility of loans without payroll
The ease of return with our customers is our standard and we let you choose the type of amortization and payments:
- French-type amortization, with equal installments throughout the life of the loan that include principal and interest.
- American-type amortization, with interest-only repayment fees plus a single final interest and capital payment.
- Payments tailored to what you find most convenient: monthly, quarterly or semi-annual.
To be able to study your loan application without payroll, all we need is to assess your property and to send us a simple note from the Property Registry so we can verify that you are the owner of the property that supports you.
To transmit total peace of mind and transparency, your loan without payroll will be signed before the notary of your choice.
Astro finance has years of experience in the granting of fast, safe and with all guarantees payroll loans: we are legally registered and regulated by the Ministry of Health and Consumption of the Government of Spain.
Credits without payroll or for the unemployed
If you want to get a loan without a payroll, you must bear in mind that the payroll is one of the first guarantees that banks seek to assess whether that person who is requesting the loan will be able to repay the borrowed money. For that reason, if you do not have a direct payroll, you have many numbers so that our loan application is denied. To cover that market gap that traditional credit institutions have set aside, private lenders have appeared.
Private lenders are nothing more than people who act as private equity lenders. If your bank has denied your loan application, a particular lender may be the solution to your financing problems.
Types of loans without payroll
In Astro finance we grant many types of loans without payroll, taking into account the client’s repayment capacity and the type of guarantee that he leaves us to guarantee his loan application. Normally we will give you an answer to your loan application in just a few days, so as not to delay your need for financing more than strictly necessary.
Let’s see what three types of loans without payroll are the most common in Astro finance :
- Home equity loans. This is a loan without payroll in which you leave as collateral a property of your property (house, apartment, industrial building etc).
- Loans with vehicle. In this type of loan we will use for the calculation of the capital granted a vehicle that you provide as a guarantee of return (a car, a van, a truck etc.) provided you are not more than 10 years old and have all the documentation in order.
- Loans with credit institutions. The most effective and instantaneous way to be removed from the credit institutions delinquent registry is to pay the debt. For this reason, this type of loans without payroll is used by many clients to pay the debt for which they have been included in the list of delinquent credit institutions quickly. In this way, credit institutions will not cause problems when accessing classical financing through banking and credit institutions in the future.
Advantages of payroll loans
The main advantage of the loans without payroll is the flexibility at the time of processing your application. You can provide as a guarantee a property, a car, works of art or even in some occasions your taxi license. The jewels cannot be used as collateral since we cannot trace their origin first (or determine it would be very complex and time consuming) and also the value of some jewels is very subjective and unreliable. In addition to assessing jewelry consumes a lot of time that would end up ballasting our agility when studying loan applications that come to us.
Another advantage of non-payroll loans is the speed with which we can give you an answer to your loan application: in just a few days (in 90% of cases less than a week) you will know if you have access to our financing and by what amount.
Return of a credit without payroll
In Astro finance we offer several ways to return your loan. We try to be as flexible as possible so you can find the way to repay your loan that best suits your family or economic situation.
- Choose the terms: we let you repay the loan in a period that can range from one to ten years.
- Choose the payments: and decide that the fees are monthly, quarterly or even semiannual.
- Choose the type of repayment: of the French type (the same installment during the entire life of the loan returning interest and capital at the same time) or of the American type (small installments where you only return interest and the capital is returned suddenly in a final final installment ).
In Astro finance we are specialists in the granting of loans without payroll. Contact us now and we will study your loan application quickly to give you an answer in a few days.