Small personal loan: how to get it quickly
The term small loan means a small amount of financing provided quickly and with small installments accessible to anyone: private individuals, public, state, parastatal and retired employees.
How to get it?
To access the small loan it is necessary to have minimum requirements, among which there is normally the presence of a demonstrable income (pay slip, Inps pension, government agency, etc.) and a good credit reputation, or not to be protested or bad paying. In the latter case, if you are a pensioner or an employee, you can still use the salary-back salary.
How to do without payroll
If on the one hand, despite the figure to be requested is obviously modest, obtaining them without pay is possible. Therefore, an income documentation attesting to the ownership of any income (even those “different” from financial products, rents, or self-employment, or apprenticeship) that replaces the pay slip can be accepted.
Is it possible without guarantees?
Any form of protection must be granted to the lender, so in an absolute sense, the loan application will be rejected without guarantees. But alternative solutions can be found, such as the one based on the pledge, or, in the final analysis, to use a guarantor.
Delivery times: are they fast?
These are small loans, the amount of which is generally between 500 and 5000 USD. Generally they are provided through revolving credit cards for amounts up to 3000 USD (which are practically immediate and ready to use), while for amounts between 3000 and 5000 USD the use of personal loans is preferred, and more rarely also with delegation and salary-backed loans. But the report “modest sum, speed of concession” is not always true, but depends on the type of credit policy applied by each bank or financial institution. It can in fact go from a minimum of 24 hours to a maximum of 48 hours. However, there is always a distinction to be made between personal and purposeful ones.
Better personal or purpose loans
The answer to this question is strongly conditioned by the type of use to be made of the amount requested. However, the approval times make a huge difference, given that in the case of a loan required to purchase a good or service (thus aimed at a specific purpose) the answer can arrive within a few minutes, with an analysis that is not too fussy. .
Small loans government agency
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This is a specific type, which indicates a sum of money that the government agency makes available to members of the unitary management of independent credit and social services, both employees and public pensioners, on the basis of matured minimum seniority and emoluments that they receive monthly. In order to obtain this type of financing, it is not necessary to present cost documentation, medical certificate, or provide any justification.