Minicréditos without payroll for small financings
It is common to think that an essential requirement to obtain financing is to have a payroll. However, there are several alternative sources of income that, today, can be valid to apply for a loan for self-employed without the need to attach a payroll.
If we need a little money urgently because we have some financial unforeseen and, being self-employed we have no payroll, we can weigh the idea of hiring one of the minicréditos without payroll offered by the market. Although we are autonomous, we can ask for this type of financing as private individuals. Here are some of the best examples:
|Lender||Maximum amount||Cost of € 100 to 30 days||Advantage||I’m interested|
|Wonga Minicredit||Up to € 300 (offer for new customers)||€ 0||Free the first mini credit||
|Minicrédito Vivus||Up to € 300 for new customers||€ 0||First free mini-loan||
|Minicrédito Québueno||Up to € 300 for new applicants||€ 26.73||On promotion a 10% discount with the code helpromo17||
These small loans for freelancers, therefore, we can hire without problems even if we do not have a payroll as long as we have a remuneration that meets these characteristics:
- Periodic: that has an antiquity and a continuity in time
- Sufficient: that allows us to make the return of our credit quickly without this causes us problems of liquidity
- Justifiable: that the legality of the income that we obtain can be demonstrated
If our remuneration is not given by a payroll, but meets these three maxims, we can apply for the mini credit for freelancers perfectly, of course, without forgetting that the following month we will have to return it in a single installment.
Loans to finance self-employed XL
Another possibility, if we need financing for self-employed people for our particular projects (outside of our business scope) and we need it more, is to resort to a personal loan. This type of credit for self-employed workers is more conventional and is offered by banks and private financial institutions. The amount that these offer ranges between 500 and 60,000, normally, although it depends on the entity in question.
The repayment term for this type of loans for self-employed workers usually ranges from a minimum of about 3 months to a maximum that can be up to 10 years, depending on the financing requested and the monthly payment that is paid.
So, if we want financing for the self-employed, before requesting it, we will have to give an approximate figure to our need and start comparing the types of financial products that are in the market that suit us best.