Bank loans: even without a paycheck?

The financing proposed by Lite bank focuses on the rapidity of evaluation and on the flexibility of management. This is especially true for the range of personal loans that have flanked that of targeted loans and revolving credit cards. However, if you are looking for Lite bank loans without a paycheck, keep in mind that the chances of obtaining them depend strictly on:

  • presence of other guarantees that may be offered among those accepted by Lite bank spa;
  • presence of a guarantor with a source of income accepted by the financial company;
  • possession of a certified income other than that of an employee.

Requirements needed

Requirements needed

In order to apply for one of the Lite bank loans you must have minimum requirements which are:

  • residence in Italy;
  • be at least of age;
  • have a certified income document.

This document can be the single model for self-employed workers, or the pension slip for pensioners. Therefore Lite bank loans can be requested without a paycheck but on condition that there is in any case an official document that proves to receive an income which, during the preliminary investigation, is considered satisfactory to decide to approve the loan request. The same argument possibly concerns the presence of a guarantor. This can be included in a financing practice when:

  • there is no demonstrable income;
  • you have a demonstrable income considered not high enough.

Furthermore, even with the presence of a guarantor, additional additional guarantees can be requested, as is clearly specified on the official Lite bank website.

What changes for small loans?

What changes for small loans?

Among the various types of financing, Lite bank also provides for the proposal of small loans, which can be used to sustain contained expenses (such as travel, purchase of household appliances, the rechargeable loan, etc.).

However, the application procedure, as well as the requirements, are the same as those for higher loans (remembering that the maximum amount that can be obtained is 30 thousand USD). So you can not think of starting the process of requesting a small loan without having the requirement of an income demonstrable directly or through a guarantor. The only way forward in this case may be to request one of the revolving cards issued by Lite bank itself.

In depth: Is it possible to obtain a revolving card without demonstrable income?

How do you make the request?

How do you make the request?

The request for loans with Lite bank can be conveniently made online, without the need to send paper documents thanks to the digital signature. To allow the progress of the preliminary investigation phase it is logically necessary to upload the necessary documents via the web. For this reason already at the moment of the request it is necessary to have the documentation ready including the income certificate. In case of doubts or for particularly complicated practices (especially recommended if one or more guarantors must be used) it is also possible to proceed with the request through the agency by setting an appointment at the toll-free number 800.12.90.10 which is active:

  • Monday to Friday from 8:30 to 21:00;
  • on Saturday from 08:30 to 17:30.

If you deliver all the necessary documentation you do not necessarily have an extension of time depending on whether you make a request without a paycheck or with a paycheck. Obviously, the complexity of evaluation can lead to more or less long times, while the timing for crediting the sum requested always takes place within 48 hours from the moment in which the loan application was accepted.

Example of online request

Example of online request

One of the positive aspects related to Lite bank loans is given by the installment calculator which allows you to make simulations online at current rates, without the need to be registered or logged in. Anyone can use the calculator being able to make a number of unlimited simulations and only when the most suitable one is found can one decide to proceed, starting from the visualization of the estimate. However, there are no differences if you apply for a loan for self-employed or for employees.

In a nutshell, if the process ends with a positive opinion, even if you have a request without a paycheck (but with other proven income) there is no ‘worsening’ of the interest rate applied. As we can see in the example with a request of 5 thousand USD we will find ourselves in front of a situation like:

It is therefore possible to choose the amount of the installment according to the duration and the proposed Tan and Taeg rate. The first step is to download, view and keep the real quote by clicking on ‘View and print SECCI’. Once you have made your final selection, you can click on ‘Request now’ and then follow the guided procedure to proceed with the paperless online request.