Payday loans of up to 1,200 euros

With the microcredits granted by private lenders, minutes, you can get up to 1,200 euros, without a guarantor and without the need to charge a payroll. On this page, we show you which are the best microcredit without endorsement and without the current market’s payroll so you can hire the one that best suits you.

How to contract mini-credits without endorsement?

The guarantee is a type of additional guarantee that lenders request when they consider that the financing applicant does not have enough income to face the return of a loan. However, the companies that grant mini loans offer very small amounts of money and, therefore, easy to reimburse, so they never require their clients to be backed by a third party in view of their concession.

Through these private companies, we can obtain microcredits without the endorsement of up to 1,200 euros in a matter of very few minutes. In addition, these products can be contracted although we do not charge a payroll since companies will also approve our application if we have any type of income that allows us to return the borrowed money and pay the corresponding fees within the agreed period. There are even a few lenders who also grant microloans without payroll, although in this case, they are likely to ask us to meet some additional requirement, such as that the unpaid debt does not come from a bank or does not exceed a certain amount.

Regarding the price, the minicréditos without endorsement usually have an interest that goes up 1.1% daily, without commissions or other additional expenses. The APR of these products usually ranges between 2,000 and 3,000%, but it is not recommended that we look at this measure to know what the cost of a microcredit without endorsement is. The repayment term of the mini loans is usually very short, about 30 days maximum, so the APR (an annual fee) is not a good measure to calculate its price.

Get your micro-loan without endorsement in 15 minutes

During the last years, payday loans via has become a very popular product because of its more flexible requirements and because of its speed of concession. The process of requesting and hiring these products is entirely online, which greatly speeds up the procedures and allows you to get the microcredit without a guarantee in a matter of a few minutes. If we want to get a mini loan at a good price quickly, we recommend following the following steps:

  1. Compare offers and choose the microloan without guarantor that best suits our profile. To find it we must take into account the price, the amount offered and the additional advantages (free early refund, with ASNEF, etc).
  2. Go to the lender’s website and select the amount and term of the mini-credit that we want to hire. To avoid problems of indebtedness, it is advisable that we do not ask for more money than we need and that we choose a term that allows us to return the microloan without complications.
  3. Fill out the application form with our data and send it to the microcredit lender without endorsement. To prove that the information provided is true, we will have to send several documents or we will have to verify the data through the Instantor application.

Precautions when contracting microloans without endorsement or payroll

Microloans without endorsement are perfect to solve small contingencies quickly and easily, but if we do not use them responsibly they can cause us many problems. As its price is high and its reimbursement period is very short, it is only advisable to use them in a timely manner, since its continued use can lead to excessive debt. N UNCA must apply for personal mini credit if we do not have enough income to return because in case of default, the lender we apply a series of penalties for delay would increase our debt considerably.

In addition, it is important that we avoid sending money in advance, that we do not trust any lender who assures us that they can take us out of ASNEF and that we always notice that the URL of the entity’s website includes a green padlock and begins with https: //

Finally, something that can help us when selecting an entity or another is to look at the different experiences and opinions of previous users who have requested a microloan and, at the same time, check if the company we are going to, is registered in an official association, such as AEMIP, although this is not decisive.

What happens if I do not return the microcredit without backups?

By not having a third person to support us since it is micro-credit without endorsement, if we are unable to return the borrowed money when the deadline expires, we will be the only ones responsible for the non-payment. In case of delay, lenders of microloans without endorsement and without payroll may apply the following sanctions:

  • Application of interest and fees for the delay. In addition to increasing the interest that will be applied to our loan, many entities will charge us a commission of between 20 and 40 euros every time they have to inform us of our delay in the payment of the loan.
  • Registration in a file of defaulters. The lender can also enter our data in a list of unpaid debts as ASNEF or EXPERIAN.
  • Hiring the services of a company specialized in recoveries. If the non-payment is prolonged, the company can hire a debt recovery company so that it is in charge of managing the collection of the debt.
  • Judicial claim for the payment of the debt. As a last resort, the lender may file a judicial complaint to recover the borrowed money plus the corresponding late fees and penalties. If we lose the trial, we will have to pay the full debt and we will have to pay the legal expenses.

The guarantee of the mini credits is personal, so if we do not have enough economic capacity to pay the debt, a judge could sentence the seizure of our present and future personal assets (current accounts, a part of our salary, properties that be in our name, etc.).

New offers of mini loans instantly

Since the microcredit lenders arrived instantly to our country, they experienced great success among citizens. So much so that some of them have decided to include advantages and offers in their products to differentiate themselves from the rest and be more attractive.

Below, we show some of the main benefits we can obtain with microcredit without endorsement:

  • Free microcredits: some companies have chosen to offer to finance without interest, that is, we will only have to return the amount they have granted us.
  • Discounts on fees: on the other hand, some lenders will apply interest discounts if we introduce some type of promotional code.
  • Deadlines exceeding 30 days: taking into account that the return of these products should always be done in a month, some companies have chosen to extend this period and offer the option of repaying the capital in monthly installments.
  • Loyalty programs: finally, we should highlight the loyalty programs of some companies with which we will obtain advantages and bonuses that will be of great help.

It is important that we know that to be able to enjoy these advantages it will be necessary that we comply with the requirements demanded by the lenders. As well as being new clients, repaying the capital in advance, being old clients, etc.

Loan with Pay Pouch indefinitely 3 Solutions to get it!

Image result for online loanLoan with indefinite payroll. Are you looking for a loan with a permanent contract ? Are you a salaried employee ? Do you need a loan ? With Globalfin you can get all the liquidity you need and make your dreams come true! Just fill in the form and one of our consultants will be at your disposal to provide you with all the details of the best personal loans with paychecks . If you consider it advantageous , even for the investigation of the loan practice up to ‘ disbursement .


Permanent payroll loans

For those interested in obtaining permanent payroll funding, the solutions are:

  • personal loan with payroll
  • employee loans
  • delegation of payment
  • loan changed

The first loan includes some requirements, including:

  • be registered , or have already made other funding
  • do not be excessively indebted
  • not having made recent requests in the last 30 days
  • to have obtained the last loan at least 12 months ago
  • not be the guarantor of other badly paid loans

For all other solutions on the list, the possibility of obtaining credit is much simpler. Are you interested in more information? Contact us now, free consultation.

Partially indeterminate payroll funding

Is a loan with an indefinite part-time contract possible?

Rosa contacted us and wrote us: “I have a part time for an indefinite term contract and are interested in funding. I asked Agos for a loan of 25,000 euros , but I was not accepted. To date, I have an active revolving card of agos , a car loan made with findomestic . I would like to make a debt consolidation , but I turn out bad paying. Do you think there is the possibility of having a loan for part-time contracts ? I could do everything even with only 20000 euros, thanks “.

We set an appointment with our agent in Rome , the city where Rosa lives and after an initial consultation we understood why he encountered difficulties in obtaining new liquidity , namely the debt consolidation financing he was looking for.

In addition to being registered with Crif for late payment, Rosa receives a part-time payroll income. The net monthly income amounts to € 834 and therefore, taking into account current commitments, it is not possible to demand such a high sum.

At this point we opted, in agreement with Rosa, with a loan with a permanent contract for the partial consolidation of the debt, going to extinguish the two revolving cards that weighed them on a monthly basis.

Rosa has a permanent contract with a horizontal part-time paycheck, that is, she works (by contract) every month of the year, but less than 8 hours a day.

In other cases, the part-time payroll is linked to a ” verticalemployment relationship, so the employee has a contract that expects to work not every month of the year (for example, those who work in schools can be hired with a employment contract from September to June).

With a part time contract, obtaining a loan is not easy, except through a guarantor .

Protested loans with paychecks

If protested it is possible to make a loan , obviously in the presence of a permanent contract, then with a pay check.

In these cases the solutions are:

  • employee loans
  • delegation of payment
  • loan changed

Contact us for more details!

Minimum paycheck for financing

The request for a loan is tied to income received in a payroll; we can identify as a minimum value € 600 net monthly. Below this threshold, it will not be easy to access the credit .

Payroll financing, in-depth analysis

Image result for in depth analysisBad payer loans with paychecks

Again you can get the desired loan easily and conveniently. In fact, if an employee hired with a permanent contract, we offer a loan by assignment of the fifth and / or delegated payment.

Can a hypothetical loan of at least € 20000 be granted to a person with permanent employment?
It is not very easy, especially if the subject in question is young. First of all, the current occupation of the person will be evaluated, how long he has worked, what income he receives, then he assesses whether personal loans have already been incurred, what amount, with what installments.

Also important is the punctuality in paying the installments, or if there have been foreclosures and / or delays in payments etc. When these methods are present, for a young person, the presence of a person as a guarantor (a parent) will still be required.

If an employee makes a request for a large loan, without ever having made other loans?

When loans have never been requested, it is difficult to obtain one. It is as if a person did not have a history as a payer, so it could be considered as not really trustworthy, so the funding body could not issue a loan with a high sum.

If an employee makes a loan request with a foreclosure situation?

The best solution is a loan by assignment of the fifth salary, as it is a guaranteed loan with the repayment of the maximum 20% of the payroll and the TFR set aside from the time of the request and in the future.

Flavio, one of our customers in Milan, wrote to us: “… are findomestic loans with paychecks ?”. The answer is yes, always through personal loan with pay check , transfer of the fifth, delegation of payment or loan.

Loans to bad payers with permanent contracts

In these cases, in the presence of reports for late payment reported in the database as Crif, there are 3 solutions:

  • assignment of the fifth (for employees and pensioners)
  • delegation of payment (for employees)
  • loan changed (only for employees of private companies)

Applications to control your expenses: a necessary help

Are you one of those who arrive at the end of the month asking you where most of the budget has gone, and no matter how much you think, you do not get to know it? Do not worry, it happens to a lot of people. This happens mostly to those who use the card to pay everywhere.

It usually happens that we are making our lives, without thinking too much about the small expenses of the day to day, the receipts are going by and we are buying things and we do not realize the immense expense that we have done until the time comes to do accounts in order of a month.

That’s why, since a few years ago, there are Apps to control our expenses. A great help for all those who have a hard time remembering what they have bought and when.

The best Apps to control expenses

Apps to save Find out which is the hole where you escape the euros is the task of these Apps of control of expenses. We assure you that they do it very well since they will help you to reduce the expenses that you do not need, making you have more money for what is necessary. Then you can discover all the secrets of the best expense control applications.

Perhaps the best known and most used, since it is even advertised on television.
Fintonic will help you to control your expenses, to know how much you enter and in what and how much you spend your money. You will not miss anything since the interface is super intuitive so you do not miss out on detail.

When installing the App, you will only have to enter your bank accounts, being able to choose between many entities and configure what information you want to show and notify you.

In addition, one of the advantages that this App of control of expenses offers you is that it informs you of if there is a duplicated charge, discoveries or commissions. In addition, you will group your expenses into categories, so you can know at all times what you spend more.

It also works as a financial optimizer, because after analyzing your FinScore (which is neither more nor less than the note that you have as a good customer facing financial institutions) will recommend ways to improve it in order to have better conditions at the time of contract a financial product.

Arbor is a mix of application to control your expenses and application to save. Why do we say this? Because apart from showing you all the movements of your accounts, Arbor allows you to set saving rules. You only have to register and add both an account of origin (in this case, the one that you receive the payroll or other income) and a destination account, where you want to be transferred what you save. These savings rules are:

  1. Rounding: this option rounds your purchases that you make to the next euro. For example, when you spend € 2.30 on a breakfast, these € 0.70 are sent to the savings account. If it’s € 3, Arbor will transfer € 1 to your other account.
  2. Temporary Challenge: you must choose the number of weeks you want for the challenge (12, 24 or 52), after this, Arbor will transfer 1 euro the first week, 2 euros the second, 3 euros the third … If you choose the 52-week challenge, you will save € 1378 after one year.
  3. Periodic transfer: choose the amount you want to be transferred to your savings account, both monthly and weekly. For example, you can choose to be transferred 100 euros every Tuesday.

Undoubtedly this is one of the most interesting expense control applications since it allows you to use saving methods that will increase the amount of money in your account without realizing it.


 App of control of expenses very similar to the others, but that includes functionalities as interesting as the location of the establishments where you have paid, whether products or services. Never again will you forget where you have spent your money.

With its intuitive interface, you can have at your fingertips all the movements made with your accounts, in detail. 


Not everyone likes to link their bank account to an App. It is totally understandable, and that is why there are alternatives such as Monefy, an expense control App that instead of automatically updating with your bank account, you will have to do it yourself manually, adding those expenses and income you have. After this, the application will show you as much data as the other alternatives in which you do have to link your bank accounts.


An expense control application that has been with us for several years. Used by millions of users, Mint is a reference when it comes to making inquiries about your movements and knowing why you are not saving or why you are saving less than stipulated.

In addition, Mint automatically catalogs your expenses and shows them in very intuitive graphics so you do not miss any kind of detail about your economy.

Another advantage offered is the reminder of payments, so they do not catch you off guard and you stay with an overdraft in the account.

 As you can see, there are many options that will allow you to know exactly what you spend the money, perfect options to know that you should NOT spend that money if what you want is to save a considerable amount each month. Still, tell you that there are other alternatives like car loans- Visit

Go ahead and control your expenses and you will be surprised!