Need urgent money without credit

Pay quickly and without credit?

Pay quickly and without credit?

I can not continue without fresh money. – Do you have to pay quickly and without credit? Even today, you give money, no matter how, the main thing is money without a bank. There are also situations where you urgently need money. If I need money again in the future, then I will not get more money through immediate payment via your smartphone via app. More exposition at

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Money or your personal information

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Where can I get loan without proof of income

You only get the money if you really need it. I can lose my job if I do not get a loan. – In a normal installment loan, your disposable income is the deciding factor. Jump to When do you get a loan approval? cheaphowever how to get a loan without income.

Credit without proof of income? Thats how it works! – Without income 

Credit without proof of income? Thats how it works! - Without income 

is only possible in exceptional cases or via certain channels. If this requires more than your own existing equity can provide, a loan must be completed. However, this usually requires a proof of income as collateral to underpin your credit rating. But what if there is no income at the time and thus no proof of income?

Even in such a constellation there is the possibility to get a fair and adequate loan without proof of income. However, this often happens without the intervention of a house bank, but through other services. If you want to claim a loan and have no proof of income, there is a problem with the application to the UB.

The latter provides the creditworthiness data of the Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht, private credit). Credit institutions do not grant loans without them. Ie. Without a good result from the Sheufa query, no credit is obtained. The confirmation of a current remuneration is one of several influencing partners. A loan without proof of income is therefore not really possible if you contact a house bank.

The requirement of proof of a regular salary can not be compared to the assumption that one has no income. This situation is mainly related to the intended regularity and income security. Thus, a return can arise, without this being sufficiently documented and thus not recorded by the credit institutions.

Get a loan without any income

Get a loan without any income

It is therefore difficult to get a loan without any income, just like a loan without income. However, there are very good and reliable working methods that do not require proof of income and a good private credit rating, eg via online platforms such as Auxgeld. You can find more information about the possibilities of employment that remain without income in the section “Where can I issue a loan without proof of income?

Above all, two groups of people are faced with a seemingly insurmountable task, namely students and residents of the home. Both have no regular and secured capital and therefore can not present such securities. Even the Hungarian government can not determine and hand over security at these locations. A loan for students without salary and a loan for housewives without salary will be difficult to obtain if you go to a house bank.

Online platforms, especially those where loans are provided by private investors, are a very good choice for credit institutions. Find out more about this and how a loan can be made for income-less students or household wives. What proof of salary is provided? The proof of income, which can be demanded by the credit institutions or which can be demanded when applying for a loan, comes in various forms.

The most common use case for a source of income is the remuneration from an employment relationship. In contrast to a loan without proof of income on an online platform, two presentation and security documents are recorded in this constellation. Income from the annual financial statements for the last two years and / or income tax assessments from these years may be verifiable.

Where can I get a loan without proof of income? The focus of course is the question: where can you get a loan without having to provide income proof? Therefore, some basic points are explained here, so that you can then make good progress towards your income-free loan. Who grants a loan without income?

The logical approach to applying for a loan is to go to the house bank. But which of the banks grants loans without proof of income? If you do not have a steady income, it’s hard to find a house bank. Although it is sometimes possible to grant a loan with a guaraantee, ie to register a guarantor as collateral, a loan without proof of income is much less likely than a regular salary and job.

You can find more loan offers here. Loans without proof of income and income statement and use of Sufa possible? In the last few years, for example, large portals have been created on the Net that provide personal loans without proof of income and in accordance with the law and with due regard for the interests of all those affected. A loan without proof of income, without private creditische and without guarantors is only possible because the loan amount taken up by loans from private co-financed.

Nevertheless, you and others have a secure and clear security system that provides collateral not only to investors but also to you as a borrower.

Risks in case of unpaid consumer credit loan


Consequences of an unpaid consumer credit

Consequences of an unpaid consumer credit

From the first unpaid monthly payment, the credit institution must send a letter warning of the risks incurred. From the second monthly payment, the borrower is entered on the Personal Credits Incident File. This follows each credit application when looking for credit for five years.

The lender is then entitled to claim the lapse of the term and immediately demand the outstanding capital, interest and late fees. Judicial recovery may be claimed in case of non-arrangement.

The district court then decides according to the situation of the borrower and can assign the full refund. The lender enjoys a two-year foreclosure period to sue.

Predict his Tom Wilcherments to avoid an unpaid consumer credit

Predict his Tom Wilcherments to avoid an unpaid consumer credit

When a future borrower does not want to be exposed to the risks of unpaid consumer credit , it is important to think ahead of his Tom Wilchers. Indeed, it is necessary to provide, at the time of signing but also for the coming months, enough funds to repay the deadlines requested. It is for this purpose that financial advisors and other consumer credit subscribers check the creditworthiness of the future customer.

According to the usual regulations, it is requested that the amount of credit maturities does not exceed one third of the monthly fixed income of the borrower.

Insurance to avoid the risks of unpaid consumer credit

To compensate for unforeseen events and to guard against risks in case of unpaid consumer credit , it is possible to take out insurance.

If these are not mandatory to obtain a consumer credit, they are however strongly recommended.

They may allow to suspend repayments for a time in case of:

  • Job loss: unemployment insurance deals with deadlines during the period of inactivity
  • Long-term illness: Credit is suspended as long as illness prevents the borrower from working
  • Invalidity: the credit is suspended
  • Death of the borrower: the insurance reimburses the heirs for the remainder of the principal due.

Recourse in case of unpaid consumer credit

consumer credit,loan

In case of unpaid consumer credit , there are two important remedies:

  • The over-indebtedness commission : after a filing of a file, a plan is proposed and the commission deals itself with the creditors,
  • The grace period : at the district court which offers a payment period of two years, or a modification of the conditions of repayment.

What is a consumer credit?

Consumer credit is either an unallocated credit or a credit allocated to the purchase of a good or service, but their operations remain rather close. The consumer loan guide guides you for your project.

Consumer credit: definition

The consumption credit is a credit granted to an individual by a bank or credit institution. Also called conso credit, it can finance everything you want (excluding real estate). It has been for some years strictly regulated by the law in order to limit any abuse (Lagarde law then Hamon law among others). Its amount is between 200 € and 75 000 € with a minimum duration of 3 months. Several loans for consumption can be cumulated, it is not necessary however that the totality of the monthly installments of credit of the borrower (immo and conso) is greater than 33% of its incomes to protect it from the over-indebtedness.

Consumer credit has two distinct categories:

  • The credits allocated for the purchase of a specific property
  • Unrestricted credits for free use of the borrowed amount

Which consumer credit to choose?

The choice of your consumption credit must be made according to your project. It depends on the amount to be borrowed, the desired duration or simply the type of project.

Credit consumption affected

Credit consumption affected

The appropriated appropriation is intended for the financing of a good or a service indicated in the contract. The assigned loan has the particularity of being entirely dependent on the property to be financed and conversely, one can not exist without the other. It is nevertheless important to indicate on the sales contract that it is conditioned to obtain the credit in order to avoid any problem.

When the borrower takes out an assigned credit, he gets a guarantee with this one:

-If the good or service is failing or not delivered the borrower does not have to start repaying the loan, the sale and credit can be canceled.

-If the credit is refused, the borrower is not required to honor the promise to purchase and therefore does not find himself with a good on the arms that he can not pay.

The credit affected has the disadvantage of being attached to a service or property but the advantage of obtaining credit and good or neither.

  • Motorcycle loan

The auto-moto loan is the most widespread affected credit. Often representing a large budget for households, the use of a credit for the purchase of a vehicle is very common. It allows the borrower who does not have savings or who does not want to use it, to start repaying his credit when he is delivered from his vehicle.

  • Ready works

The credit works can be assigned or unassigned, it is very often affected when the borrower uses professionals and for consequent work.

Non-earmarked consumption credit

Non-earmarked consumption credit

The unallocated credit allows the borrower to use the borrowed amount as he or she wishes. This is a very flexible financing solution since it does not require any justification for the destination of the funds. The obtaining of the credit and the purchase of the good or service are thus here completely independent. This independence has the advantage of freedom but the main disadvantage is that in case of dispute with the seller and non-delivery of the property for example you are required to repay your credit under the terms of the contract. In addition, if you do not get your financing and you have already signed a purchase order you will be unable to pay the property if you do not have savings aside.

  • Revolving credit

The revolving credit is a type of unrestricted credit, since it consists of a reserve of money made available to the borrower, which he can use as he wishes and when he wishes it in one or more times.

  • Personal loan

The personal credit can group different appellations under its name. This is a non-earmarked credit but can sometimes be called a wedding credit or travel credit so as to talk more to the consumer, but the amount of money can be used by the borrower as he or she does. wish it. It can therefore be financing of property, service or cash or other things (excluding real estate).

Consumer credit: how does it work?

Consumer credit: how does it work?

Consumer credit is characterized by:

  • Amounts between € 200 and € 75,000
  • Duration of 3 months minimum to a few years
  • A little binding

Like any credit, the consumer credit is a contract between a lending institution and a borrower, where the first agrees to lend a set amount of money and the second agrees to repay.

Consumer credit includes:

  • A sum borrowed: capital
  • APR (the annual percentage rate of charge) which is the rate to be used for any comparison
  • Duration, amount and number of monthly payments
  • Guarantees and any insurance
  • The total cost of credit

Conso credit is governed by the Consumer Code and provides the borrower with a right of withdrawal of 14 calendar days.

Personal loan: how long for what amount?


Before subscribing to a personal loan, it is essential to calculate the monthly payments that will have to be made. This is the condition sine qua non for budgeting the repayment of the personal loan. Applying the appropriate calculation method makes it possible to know which amount to borrow according to the desired duration. The repayment of a personal loan involves taking into account one’s own credit possibilities.

How to calculate the monthly payments of a personal loan?

How to calculate the monthly payments of a personal loan?

To calculate the monthly payments (m) of a personal loan , several data are to be taken into account. The following simplified mathematical formula should be applied:
M (monthly payments) = c * t / (1 – 1 / (1 + t) ^ n)
* symbolizes multiplication and ^ power

Take the following example:

Borrowed capital (C): € 4,000
Annual rate (T): 3% (or 0.03), which is a monthly rate (t) that is equal to T / 12 (0.0025);
Duration of credit (power n or ^ n): 48 months
In this case, each monthly payment will be 89 €.

The repayment of a personal loan takes into account, for the calculation of the interest on the loan, the capital remaining due. This decreases over the months since each monthly payment consists of a portion of the interest and a fraction of the capital borrowed.

Use a credit calculator

credit calculator

The refractory to mental arithmetic or mathematical formulas have a reliable and quick solution to calculate the monthly payments depending on the duration of the desired personal loan and the amount borrowed. The borrower must be able to support until the last deadline the financial burden that the credit represents.

The online personal loan calculator takes into account the borrowed capital, the interest rate and the duration of the loan. It also takes into account the capital left over in order to provide the user with a result that is as accurate as possible.

Thus, it is possible to know what credit duration to choose according to the desired capital, and this in a few seconds. It is therefore fast to build different scenarios before finding the best ratio amount/duration that is.

Online banks generally have their own calculator available, which allows the consumer to compare what the banks are offering in terms of the amount to borrow against a term. Just specify:

  • The desired amount of credit;
  • The interest rate ;
  • The duration of the credit, generally between 12 and 60 months.

After validating his choice, the user can have a comparative of the cheapest personal loans of the market. It is then sufficient for him to opt for the solution that suits him best, that is to say for the one that is most suited to his ability to repay.

Leisure loans: we finance your purchases

At Multi crédit, we believe that a loan must be flexible and adaptable to all situations, whatever your plans and desires. With this in mind, we can offer you a simple leisure loan offer tailored to your needs. Entrust us your file and profit from the best rates of the market.

Ease, security, simplicity

leisure loan

A leisure loan is an easy solution to finance your private or family activities. Focusing on transparency and simplicity, we take care of your file to offer flexible financing that adapts to your projects , whatever they are:

  • Purchase of recreational equipment: watercraft, computer equipment
  • Financing of sports vehicles: mountain bikes, racing bikes, motorbikes, quads, sailboards, …
  • Etc.

Your request in just four steps

Your request in just four steps

Applying for a loan to finance your private activities has never been easier than with Multicredit! Apply for a leisure loan in just four steps:

  • Contact us by phone or through our online form to apply
  • Send us the necessary documents to study the file
  • We contact you quickly with a non-binding proposal
  • In case of agreement, receive your money within 15 days

Solution for all


Whatever your situation, our advisors are available to analyze your borrowing capacity and offer you, if possible, an advantageous offer that fits your budget as well as your needs . Borrow freely any amount from 3’000 to 300’000 Chf over 12 to 84 months with a favorable interest rate. Do you wish to benefit from an individualized offer? Do not hesitate to contact us to benefit from a free and confidential offer.

Business loan: finance any investment

Are you looking for cash to finance investments for your company? Discover our Business loan solutions! Simple, fast, convenient, our investment loans will allow you to provide your company with the necessary budget to prosper!

A solution for every situation


Each company being unique with its own needs, we offer individualized solutions. Thus, our Business investment loan offer adapts to your needs as well as the repayment capacity of your business:

  • Flexible terms : You determine the amount to borrow needed for your investments. Get a loan of 10,000 to 300,000 over a period of 12 to 84 months.
  • Fixed monthly payments: regardless of the expected repayment period, we offer fixed monthly payments with a very advantageous interest rate.
  • Simple, fast, convenient : with Multicredit, you get an offer very easily and without any administrative complication. Our team will take care of everything so you can focus on your projects !
  • An ideal loan for your Business loan investments: whether you need to renovate your premises, purchase equipment to maintain your business to the best of its competitiveness, or cash to inject into your cash, we can make a suitable proposal to your needs!
  • Customized solutions : we also offer debt redemption solutions related to your company.

A Business loan offer made easy


Do you manage a company and seek a Business loan for future investments? Do not hesitate to contact us to benefit from a confidential offer that does not commit you to anything! Make your request by phone, via our form, or contact us for an appointment with one of our advisers!