Many people are faced with the need to ask for a loan, but for many different reasons, lifelong banks deny them financing. In this article we want to talk about loans with debtors list and without payroll. They are a very interesting financial product for a typology of users who, most of the time, see how banks include them among the risk profiles without even doing the pertinent studies.
What are loans with debtors list and without payroll?
Loans with debtors list and without payroll are those that are granted to people included in a defaulters file and that, in addition, do not receive a payroll monthly. The debtors list list is the best known defaulters file in our country, although not the only one. When a user is included in it, it is almost impossible to obtain financing from traditional banks. It is for this reason that, in recent years, these types of financial products that offer loans with debtors list and without payroll through alternative financing have proliferated.
Because it is difficult to get credits with debtors list and without payroll
Getting loans with debtors list and without payroll is complicated by the requirements that most banks impose on their applicants. Among them, you can not appear in these lists, they are like a blacklist that they consult and if they find you, you are excluded.
Most of the people included in listings like debtors list or RAI are convinced that they have lost all their opportunities to get financing. Lifelong banks have very strict policies when it comes to excluding this type of customer. They believe that anyone on the debtors list list has an unreliable credit history and will have difficulty repaying the borrowed money.
Another requirement to meet to apply for a loan is to demonstrate our creditworthiness. In this way the entity ensures our ability to return the monthly payments. Traditional banks tend to ask for a payroll that is in line with the amount requested, in addition to a fixed employment contract that supports our ability to return the money.
It is clear, then, because it is difficult to obtain credits with debtors list and without payroll. Anyway, if you want more details about the requirements to request a loan, do not miss this article from our blog.
But, can you get the loans with debtors list and without payroll?
Fortunately, and as we said at the beginning of the article, loans with debtors list and without payroll are the order of the day. In recent years, alternative lines of financing have emerged to banks through which to request them.
Despite the requirements that traditional banks require to request a loan, we all know that the reality can be very different and that a person’s ability to pay depends on many factors. In addition, it should also be borne in mind that there is no minimum amount established for you to be included in debtors list. This means that by failing to pay a minimum invoice to a service company, we can state this file, and for that reason we will no longer have the capacity to repay a loan. In this article you can discover more about how to know if you are in debtors list .
Luckily, there are private equity financiers , who grant loans with debtors list and without payroll. We leave aside the credit history of these users and go a step further in providing financial solutions.