The need for liquidity cannot always be anticipated well in advance. It can happen to all of having to face a sudden and necessary expense, to which however the availability of the moment does not allow to face. Payday loans online direct lenders at https://www.purplepayday.loan/ website is the answer to this type of need.

Payday Loans Online Direct Lenders: A short form, instant decision

For fast loans, in the context of personal loans, we mean a type of financial product that is paid in a short time. In practice, from the moment of the request to the issuance of the loan, little or very little time passes. It is not uncommon to find products such as personal loans in 24 hours that are often offered online. In the case of online, be careful to contact only known persons who are allowed to work in Italy for personal loans. To avoid any risk and be sure to turn to those who offer fast and secure personal loans, one possibility is to use a personal online loan comparator, which will only provide verified and absolutely safe products for the applicant.

The documents necessary for immediate loans

In order to access a fast personal loan, it is necessary to present the required documentation, which also in the case of online loans is not different from that required for a common personal loan. In particular, the financial institution requires the identity card and the tax code of the applicant and the residence permit for foreign citizens to be provided.

It is also necessary to present a paid user (such as a light bill, telephone or gas), payable to the applicant and one or two documents certifying the income, such as a pay slip, the pension slip or the last tax return for self-employed workers.
Especially in the case where the fast personal loan is online, it is recommended to have the documents in digitized format, in order to make it easier to send and then speed up the evaluation of the practice.

Who can apply for an immediate loan

Immediate loans can be theoretically requested by everyone. As for personal loans, even fast loans can access particular profiles of applicants, such as the protested or bad payers, for whom often banks and financial institutions offer fast dedicated loans.

Although fast loans are required by those who have immediate needs to receive funding, it is good to invest a minimum time in the comparison between them of the different types of fast loans available on the market, to be sure to choose the loan that is really the right.
In this sense, a very useful tool is an online loan comparator, a tool that allows you to know the products that correspond to your needs without the need to repeatedly enter the data required for the personal loan.

The advantage of fast online loans

Very advantageous in terms of time savings is the ability to turn to those who offer fast personal loans online. In this case, the whole practice is managed on the net, without the need for the applicant to move from home, not even for signing the documents. In fact, the entire loan application process is managed in such a way that the applicant can view the documentation to be signed directly from the PC or from their mobile device. The signing of documents also takes place digitally, using highly secure systems that are easy to use even for those who are not experts in information technology. The use of the network thus makes it possible to streamline and speed up the procedures for requesting the loan, thus allowing the applicant to obtain an answer in a very short time.

To ensure that the loan is actually disbursed in very short times (in some cases loans can be obtained in 24 hours), it is advisable that those who request the loan comply with all the requests of the loan. In particular, what we must pay attention to is the presentation of all the required documents; the absence of even just one of the documents could lengthen the evaluation time (and therefore the issue of the loan).

Even if you need a loan in a short time, it is good to be careful not to make some very common mistakes when applying for online loans. Here are the five most common, and how you can avoid them.

Bank loans without payroll: unsecured loans for unemployed persons

The Bank Loan Payout Loan is a particular type of loan that can be accessed by all people, even if they do not receive a salary, a pension or a demonstrable income.

To obtain the loan without bank paychecks the basic requirement is the presence of a guarantor, in fact for this loan there are no other forms of guarantees such as real estate. We can therefore state that you can get bank loans even if you do not have a paycheck, provided that the applicant has a guarantor with a good economic and financial situation.

How to apply for a bank loan without a paycheck

Making the bank loan application without paychecks is very simple, simply submitting the following documentation to the nearest branch:

• valid identity document
• tax code or regional health card
• the last declaration of income (as anticipated, in case you do not have the paycheck you will have to present the income documents of a guarantor, or the one who in case of non-payment will worry about paying the debt)

Foreign citizens in order to obtain funding must provide a valid residence permit and must have resided in Italy for at least one year.

In fact, those who wish to apply for a bank loan must be resident in Italy and must be aged between 18 and 70 years.

Comprehensive quote for loans without paychecks or guarantees

By connecting to the bank website, the user can request a quote free of charge. bank with this service offers its customers the opportunity to simulate what could be the installment if you wanted to proceed with the loan request you want. Making the request for a quote does not imply the presentation of guarantees , in fact all those (even users not registered quini not customers bank) who want to simulate the calculation of the installment of their loan can do so without obligation.

Are you interested and would you like to receive a certain loan amount? Before you make an appointment at the insurance company branch, we recommend that you simulate the loan payment, doing it is very simple.

Connected to the bank website, you will find a tool at your disposal, where you will need to enter the following information:

• the desired amount (attention must be between 5,000 and 20,000 euros)
• the duration of the loan, or the number of monthly installments within which the loan is to be repaid.

After entering the two required data with a simple click you will instantly receive the amount of each installment and the interest rates Tan and Taeg applied at that time, the sum of these values ​​will also allow you to get the total cost of the loan .

Provision and repayment of the loan

Regarding the method of payment and the related timing, the bank insurance company is very quick, in fact in some cases they are able to pay the Loan by a check or bank transfer also on the same day. The customer can make a refund using the bank compatible bulletin at the Sisal receivers, at the authorized QuiPay points, at the Lottomatica points of sale, at the post offices, or else he can choose to make the payment by direct debit of the sum postal or bank account.

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Transfer of the Fifth INPDAP

In this article we want to give you some information on the sale of the fifth INPDAP , information updated in September 2018.

The assignment of the fifth INPDAP is a type of loan dedicated to public, state and retired employees.

Since 2011, INPS has been managing not only the provision of loans to retirees and employees, but also that of the assignment of the fifth Inpdap.

How does the assignment of the fifth INPDAP in 2018 work?

The assignment of the fifth Inpdap ( former Inpdap loan ) is a non-finalized loan , ie it is not necessary to communicate the motivation of the loan application.

The repayment of the loan is regulated monthly, you can get an assignment of the fifth INPDAP that can vary from 24 to 120 months, the installment will be deducted directly from the applicant’s paycheck or from the pension.

The installment to guarantee the minimum survival, can not exceed one fifth of the monthly net value of the salary or pension.

The assignment of the Fifth INPDAP can be defined as a convenient loan because the applicant, will not have to remember to pay the installment monthly, in fact this process takes place automatically when the user receives the credit of the salary pension on the current account.

A special feature of this type of product is that it can also be requested by the user considered to be a protested and / or bad payer, this is a very important advantage.

How to calculate the installment

Loans inpdap calculation: thanks to several sites you can calculate the transfer of the fifth online, this allows you to know the maximum installment that will be equal to one fifth of the salary or pension.

Calculation assignment of the fifth inpdap: Before proceeding with the calculation of the installment with the assignment of the fifth Inpdap it is necessary to have certain conditions:

• the calculation is made on the net of the pension, deducting the tax and social security deductions
• at net value, apply the di limit
• keep the amount of the minimum pension , therefore applying the loan installment the pension value must not be lower than the established threshold.
• if the applicant receives more pensions, the latter will be accumulated and the calculation of the installment will be made on the sum.

Examples of installment calculation (transferable quota)

CASE 1
gross pension	596.50
withholding taxes	0.00
net pension	596.50
minimum pension	502.39
transferable quota	94,11
* with safeguard of the minimum pension (€ 502.39 for the year 2015), lower in this case the amount of the fifth = 119.30

 

CASE 2
gross pension	1,200.00
withholding taxes	300.00
net pension	900.00
1/5 of the net	180.00
transferable quota	180.00
* with safeguard of the minimum pension (502.39 for the year 2015).

Who can request a fifth INPDAP assignment

To be able to make the request for transfer of the fifth Inpdap it is essential to satisfy some requirements :

• belong to the category: state employees, public administrations, state bodies, civil servants and pensioners Inpdap
• be aged between 18 and 64
• be Italian citizens
• the employees in force must have a minimum working age of 2 months
• being part of the Unitary Management of credit and social services, this fund is used by the Inpdap to provide loans directly and also through authorized financial companies

Very often, there is a request from banks or financial companies that the employee applicant is in possession of a permanent contract .

In the event that the applicant should have a fixed-term contract, the total duration of the rate should not exceed the period specified in the employment contract.

How much money can be requested with the assignment of the fifth

In the fifth transfer loan INPDAP there is no maximum amount of liquidity that can be requested. In fact the amount of the sum that can be requested is variable and depends on the net of the pension or salary received and also on the duration to be requested.

Age limit and repayment plan

The legislation does not provide for any age limit . Surely there are situations where there are restrictions or even deny access to credit (for example on subjects aged 65 or over).

In the case of premature death of the client, thanks to the insurance coverage the family members and any heirs will be protected, in fact the insurance will cover the missing installments.

Regardless of the insurance coverage, the reference institution reserves the right to evaluate and possibly not accept the practice , because the insurance coverage could be high as well as the probability of premature death.

The repayment plan can be divided into two categories of installments:

• 60 months
• 120 months

Contrary to the convention, a payment in installments of 36, 48, 60, 72, 84, 96, 108 and 120 months is envisaged.

Do you have other financing in progress? Such as the sale of the fifth or small inpdap loans? Contact an affiliated bank, so as to consider a renewal of the assignment of the fifth or possibly a second deduction eg. the delegation of payment.

	Twiter	CONVENTION BANK
Age limit	60 years for women and 65 for men	Men and women within 85 years of age
Repayment plan	60 or 120 months	36, 48, 60, 72, 84, 96, 108, 120 months
Other Loans	No	Yes

Delivery times with the transfer of the fifth Inpdap

Assignment of the fifth inpdap rates: requesting financing through the transfer of the fifth Inpdap allows the applicant to obtain liquidity with certainly very advantageous interest rates .

Usually the waiting time to receive the loan is approximately approximately one work week after signing the contract. Only in the most complicated cases will it be necessary to wait even for 2 or 3 weeks to get the desired sum.

With the assignment of the fifth Inpdap, the times of loan disbursement may vary, in fact many factors influence, for example, the possible agreement between Inps or the financial chosen by the worker or the pensioner, as well as the various timing of the Inps offices.

Do you urgently need to get cash through a loan? We advise you to evaluate the solution of transfer of the fifth Inpdap in agreement.

Interest rates assignment of the fifth INPDAP

Below we will indicate the average rates applied by banks and financial institutions and also the corresponding usury threshold.

For retirees:

• Age at the end of the loan: 18-65
• Age on loan expiry: 65-80
• Age at the end of the loan:> 80 years

For employees:

• Interest rates for employees

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The demand for paychecks is one of the first steps that banks and financial institutions make for a personal loan . But what happens when the person requesting the loan does not have a paycheck? We analyze all the possible cases, considering the possibility of access to personal loans without a paycheck .

Personal loan without a paycheck, but with a demonstrable income

The paycheck is the simplest way to demonstrate the perception of an income , but it is not the only one. In fact it is not said that those who are not in possession of a paycheck is not however a recipient of income. The most common case is given by self-employed workers and by VAT numbers in general. In this case there is no demonstrable income through a pay slip, but access to personal loans without a paycheck is subject to the possibility of proving the presence of an actual income . In the case of self-employed workers and VAT numbers, the financial or loan provider requires the submission of the last tax return . The number of required income documents could however be greater (for example two), above all for the activities started recently or for the lower incomes. In this case the provable income is equivalent in all respects to a pay check and the applicant can easily access personal loans dedicated to this specific category of people.

The particular case of pensioners

One could be induced to include pensioners among those who do not receive a paycheck. Even if this is true, it must however be considered that the perception of a pension allowance is in all respects a fixed income , which makes it possible to equate pensioners to a public or private employee. For this reason, as well as dedicated specific products, pensioners can also access the request for a personal loan with a paycheck, whose feasibility is evaluated in a manner that is not different from what happens to other subjects.

Personal loans without a paycheck in the absence of income

Unlike retired and self-employed, there are also categories of people who do not have a paycheck or other income. The most typical examples are those of the unemployed , young people , students or housewives . However, the absence of an income does not imply the automatic exclusion of personal loans from the market. In fact, payroll loans are also aimed at these groups of people, with loans specifically formulated for the specific categories to which a subject can be traced. Even in the absence of income there are different situations that can arise: we analyze what happens in the absence or in the presence of guarantees.

Personal loans without a paycheck but with guarantees

In the absence of a paycheck, the possibility of presenting guarantees in support of their personal loan application without a paycheck is considered very positive. The most widely accepted guarantee is the presence of a guarantor , ie a person who signs the loan together with the applicant, assuming responsibility in the event of impossibility of payment. In addition to the guarantor can be used as a guarantee of the applicant’s personal assets , such as real estate, but also movable property, such as life insurance or pension insurance that will be perceived in the future.

Personal loans without pay and without guarantees

However, when applying for personal loans without a paycheck, it is not always possible to provide an additional guarantee. This does not mean that the possibility of accessing loans without payroll is compromised. In fact, banks and financial institutions have created loans specifically designed for this eventuality, thus also granting those who do not hold a paycheck an opportunity to access credit.

An example of this type of personal loan is given by the changed loans (for specific details of this loan refer to the dedicated card on the site) or by the loans granted to the students or the unemployed, even in the absence of any type of guarantee .
Also significant is the presence of small personal loans, granted for small amounts and to which access is usually easier than larger loans.

Loans without paychecks: compare to choose the best

Regardless of whether there is a guarantee to protect the loan provider, it is always advisable to compare the largest number of personal loans, to find the loan that does not suit your needs. Very useful from this point of view is the possibility given by the online comparators , effective tools in the search for each type of personal loan, including online payroll loans.

 

Is it possible to obtain a personal loan in the absence of income ? If so, what do you need to do to access it without difficulty? Let’s find out with the help of this guide.

Personal loans? Even without income

Being in possession of a paycheck is the simplest condition for accessing a personal loan. This does not mean, however, that in the absence of an income it is not possible to have a loan. We will not consider here those who do not have a paycheck but have a demonstrable income, such as self- employed workers or pensioners ; for more information on these two profiles of applicants, refer to the guide on loans without paychecks.
Instead, we return to talk about loans with no demonstrable income considering the profiles of the most common applicant (with the possibility of access to credit).

Protestants and bad payers : for persons reported to the central risks as profiles at risk of insolvency, obtaining a loan without income is possible, provided that we can present guarantees of different types. For this purpose, banks and financial institutions offer dedicated personal loans, such as those involving the presence of a guarantor or the signing of bills to guarantee the sums disbursed.

Students and unemployed : we share these two profiles because they have similar characteristics as regards the absence of a demonstrable income. Students and unemployed have the possibility to access loans without income and guarantees, usually thanks to agreements stipulated by local or state agencies. In many cases this type of loans fall into the category of fiduciary loans, although this type is not the only one accessible for these profiles of applicants.

Workers with payroll but indebted: in this case the presence of a paycheck is not very significant, as a further personal loan is usually judged as unsustainable by those who assess the practice of access to credit. In these cases it is possible to access the loans without income, usually proposed for figures that allow to understand in a single installment the payment of the loans previously stipulated (this is the so-called “debt consolidation”).

Loans without income: looking for alternative guarantees

Often those who do not hold a paycheck or a demonstrable income are led to think that their income situation does not allow to present guarantees . This is only partly true, because as a guarantee various goods can be presented, which allow access to personal loans designed specifically to meet the needs of those without a paycheck. One of the types of loans without income is that of loans with bills of exchange , usually offered to those who have a previous financial situation compromised. In the presence of real estate it is possible to provide as a guarantee the mortgage of the asset; in this case the specific product referred to is the mortgage loan, so called because of the presence of a mortgage.

What we have just described are just some of the possibilities of accessing personal loans without income and guarantees, but bear in mind that very often banks and financial institutions have set up special products, with very different characteristics. For this reason it is always recommended to carry out a thorough research (perhaps using an online comparator), to find the financial product that is right for you.

Personal loans without income: attention to costs

After describing how to borrow personal income without income, we consider a non-indifferent aspect in accessing credit, that is, the costs of personal loans. In fact, it is not rare for loans without guarantees and paychecks to be charged higher than comparable products for employees or those with demonstrable income. Refer to the guide on the site for details on the valuation of interest rates of a loan. Here, however, we remind you that the simplest parameter to consider in order to evaluate the convenience of a loan is the APR interest rate, which makes it possible to understand the actual costs applied to the personal loan.

It should be noted that very often loans without paychecks , without guarantees or intended for specific categories of applicants, such as bad payers or protestors, have a higher APR than a secured loan. However, even in these cases the differences between the conditions applied between a product and the other can be considerable, so it is always advisable to evaluate two or more different products before signing a personal loan without income (but a similar argument applies to all personal loans).