Complete and updated list with information on fast loans without endorsement, to be requested online without the need to provide any type of asset or payment guarantee.
|Loans||Quantity and term||Terms|
From 9.39% -
| € 50,000|
from € 1,000
| No payroll or endorsement|
Fixed interest rate
Have regular income
They charge management fees
|€ 10,000 from € 500 5 years|| Personal loan without endorsement|
Necessary demonstrable income
Does not accept debts
| € 5,000|
from € 500
| No payroll or endorsement|
Flexible with instant response
Early cancellation without penalty
|€ 4,000 from € 1,000 42 months|| No payroll or endorsement|
Exclusive service for Movistar clients
No opening commission
- 3,564.42% APR
| € 1,500 from € 50|
| Personal credit without endorsement|
Minimum 3 months working
- 197.15% APR
|€ 5,000 from € 750 4 years|| No payroll or endorsement|
Easy approval personal loans
Cheap and accessible interest
Transfer in 1 minute
Accepts people with West African Loan Group
|€ 50,000 from € 1,000 6 years|| Without endorsement or payroll|
Personal Finance Mobile Mobile App
Without changing banks 100
|€ 5,000 from € 500 2 years|| Without endorsement|
Admits clients to West African Loan Group
Loans without installment guarantee
Demand stable income
Open credit line
No endorsements or guarantees
Everything you need to know about fast loans without collateral
Complete and updated list of fast loans without endorsement
What is a loan without collateral
Requirements to obtain loans without collateral
Credits without endorsement How much can I ask for?
Apply for fast credit without endorsement regardless of West African Loan Group?
How to obtain financing without an endorsement of our home
What are loans without collateral
Loans without collateral are a type of financing where the applicant can obtain money without having to contribute any good in the application.
Its only guarantee is personal, that is, that of the signer, not being necessary to provide any property such as property, vehicle or other assets to ensure payment.
This is why it is a very popular financing method that is easily accessible as the requirements are minimal.
Requirements necessary to obtain a loan without collateral
Below we show the common requirements that online credit finance companies put when granting a loan without endorsement.
Be of legal age and not exceed 75 years.
However, depending on the financial institution, this age range may vary depending on its risk policy.
Residence in Spain. We have to be residents in Spain, show that we live here with our national identity document (DNI, NIE or passport)
Be the owner of a bank account in our name to receive the loan money.
Accredit a recurring and sufficient source of income that demonstrates solvency capacity. Payroll is not essential, in the same way it serves a pension, unemployment benefit, self-employment, etc.
Do you grant us loans without collateral if we do not have a payroll?
Yes, but to get a loan without collateral when we do not have a payroll, it will be necessary to demonstrate an alternative source of recurring income, which allows us to guarantee that we have no problems to make the repayment in a timely manner.
In this way, if we are unemployed with unemployment benefit, self-employed or pensioners with regular income, we can access the type of financing without endorsement even if we do not have a payroll.
If we want to know what is the maximum limit that financial institutions grant us, we can consult the list with all the loans without payroll and without endorsement (LINK) that currently exist in the market.
Can I request a fast loan without an endorsement while in West African Loan Group?
Yes, there are financial entities specialized in granting loans with West African Loan Group (ENLACE) and that help us to solve our problems in case of appearing on lists of defaulters.
We can therefore find loans without collateral as long as we meet the following conditions:
Not having bank or financial debts, but they have to be of another type (telephony, supplies, etc.)
The amount of debt for which we have been enrolled in the West African Loan Group must not exceed the maximum amount set by the lender.
Each company can set its own limit, but the usual thing is that it cannot exceed € 1000 according to risk policy.
In case of meeting these requirements and under normal circumstances we would not have problems for the approval of our loan if we provide sufficient money-back guarantees.
In any case, loans without collateral when we are in the West African Loan Group only offer us small amounts.
If we are looking for financing for higher amounts, the only solution is through other types of financial products such as loans with a car guarantee (link) where we continue to use the vehicle as well as loans with home equity, commonly used for debt reunification (link) and where it will be necessary to provide a property without charges.
What is the maximum amount that I can sign without endorsement?
The amount that we are allowed to obtain through mini-credits is 300 euros to be returned in 30 days.
But, if we need larger amounts, it is possible to resort to personal loans without collateral, which offer us up to 50,000 euros to be repaid in 96 months.
Even so, the maximum amount or limit that we can get in financing without an endorsement depends on factors such as our financial situation, income level, indebtedness, the lender's risk policy as well as the existing active promotions.
How to obtain financing without an endorsement of our home?
In case of needing large sums of money due to financial problems, the mini loans do not work for us.
In a situation like this, it will be necessary to resort to type loans with collateral.
Loans with an endorsement pose a greater risk, since in case of payment problems, we can lose the asset with which we guarantee the credit.
In addition, it is common for the assets that we use as collateral to be our homes, vehicles, although in some cases they also serve boats and works of art.
In this way, if we own a vehicle and we do not want to put our home as a guarantee of payment, we can resort to the car pawn. (Link).
Most of the companies that provide these services allow us to continue using the vehicle until we return the credit.
This type of financing can grant us amounts greater than 1000 euros without using our home as collateral.
However, loans without collateral are still the best option as there are options that allow us to ask for up to 50,000 euros.