Obtaining personal loans with ASNEF is no longer an impossible mission. The current financial market gives you a multitude of options and financial alternatives and, among them, to get personal loans with ASNEF and without guarantees. Compare for free and get the credit you are looking for no matter what is in these files:
These are personal loans with ASNEF and without guarantees
Get personal loans with ASNEF and without endorsements: traditionally, perhaps we are talking about one of the most arduous tasks that were within the world of finance until very recently. However, the financial market has changed so much that, at present, the offer of financial products is not only broader, but it is much more varied than it was a few years ago.
On the one hand, it was difficult to obtain financing (either for personal projects or for commercial purposes) if we were enrolled in any file of defaults. The banks, which practically monopolized the national financial market, asked us the same question when requesting financing with defaults: NO.
In turn, the guarantees were the most usual requirement with this class of entities. His position has not changed, although the market has changed and he has done so much that there are several entities with which we can contract loans with ASNEF and without guarantees in minutes.
The easiest option to get personal loans with ASNEF and without third-party backups is to opt for those known as mini-loans with ASNEF, which are still low-value quick loans for people with outstanding debts in which the guarantee of payment will be only our present and future assets. These credits will allow us to get up to 750 euros in just 15 minutes, without commissions, without links and without being previous clients. Its cost is around 1.1% daily and has a maximum period of up to 30 days.
The role of guarantees currently in financing
We can think that the fact that they do not lend us financing having outstanding debts is normal (although there are companies that do grant them because some people are in files due to disagreements in bills, for example, and not because they are insolvent). However, we may be more surprised that they do not give us personal loans with ASNEF and without housing because they do not have someone to back us up. Even so, banks traditionally, in addition to the personal guarantee, used to demand until recently that we present an endorsement.
However, the arrival of private equity financial companies in our country has radically changed the picture, since they are very flexible and allow us to obtain financing without having to involve third parties in our requests. Therefore, banks have become more flexible in their requirements in recent times and no longer require so many guarantees when granting personal loans, except when the amounts are very high or the profile of the applicant is not very solvent.
Requirements to obtain credits with ASNEF
Payday loans direct lenders https://www.paydaychampion.com/direct-payday-lenders/ are characterized by the few conditions that must be met in order to access them. However, we do need to comply with a minimum of requirements so that the entity considers that we will be able to repay the loans without problems. Although each entity will determine its own conditions, the vast majority coincide in the following:
- Be of legal age, in some cases be over 21 or 25 years old.
- Reside permanently in Spain and have a valid DNI, NIE or passport that verifies it.
- Have a demonstrable, sufficient and periodic income. It does not necessarily have to be a payroll, the income of freelancers, scholars, unemployed and pensioners, among others, will also be considered valid.
- That our debt is not related to financial entities, that is, it can not come from a non-payment of a credit or a credit card in a bank, for example.
- That the debt does not exceed a limit determined by the entity, this amount is usually around 200 euros, although according to the lender could reach up to 1,000 or even 2,000 euros.
As we can see, to contact any of the personal loans with ASNEF and without guarantees offered by the market, we will not have to have a payroll. These loans personal loans with ASNEF and payroll or without it or are without it are another sign that attests to the flexibility of this class of financial companies. Documents such as a pension or benefit, among many others, will suffice.
Internet and personal loans with ASNEF and without guarantees
As to how and where we can get one of these personal loans with ASNEF and without guarantees, we must mention another of the major advances that have occurred both in the world in general and the financial market in particular. That is none other than the Internet and everything that has derived from it.
The vast majority of private lenders that market personal loans with ASNEF operate through the online world with a simple, fast and convenient process for users. Although the petition process usually varies, we will only have to choose the term and capital we want, fill out a form with our data, send a little documentation in case we pre-approve the credit and sign the contract. In a few minutes, we can have our personal loans with ASNEF and no mortgage for what we want, because they do not require third parties in the contracts and do not ask for explanations about the purpose of the same.
On the other hand, the speed of this financing with ASNEF and without endorsements also influence new technologies applied to finance, such as banking data verification services (Instantor, Kontomatik, and Pich are well-known, reliable and safe examples) that employ not only private lenders but also conventional entities.