An instant loan without a job is not a problem. Income from a job is not a prerequisite for being creditworthy. Working income is just the most common way to qualify for a loan.
Instant credit without a job – that’s guaranteed to work
Only a special loan is not open as an instant loan without a job. It is the advance payment from the employer. All other credit options are linked to proof of repayment ability and credit security. Evidence that ensures repayment ability can come from many sources. A prominent example of this is the pension. The money is in the account on time for the 1st of the month. A work performance does not have to be performed for this.
Pensioners are still considered the safest repayers. You can easily get a loan from practically any provider. On top of that, the loan terms are mostly extremely favorable. Nevertheless, it does not always have to be the pension that is considered safe income. Quite a few people lead happy lives without any work. You own real estate. The income from renting a paid apartment building far exceeds the average income from work. This ensures creditworthiness. They don’t need a job.
Credit opportunities despite low or irregular earnings
Not everyone has monthly rental income or a pension that guarantees regular, secure income. Some people have a bad season. Your regular earnings are low. Examples of this would be farmers or the seasonal unemployment of a roofer. The instant loan without a job does not have to be a problem. The farmer owns property that can secure almost any loan amount in an emergency. He derives the repayment ability from the income in the high season. He pays his installments annually, semi-annually or quarterly.
The roofer works a lot of overtime in high season. A savings contract is intended to provide additional security for old age. Of course the money is fixed. He can’t just take it off. But the savings are sufficient as security for the loan. It is pledged as security. If there are repayment problems, the lender simply dissolves the savings contract and gets his money back.
Instant loan with no income
An instant loan without income or guarantor is unfortunately not so easy to get. Hartz 4 recipients in particular face this problem. Their income does not count towards a loan. It is a social achievement that is tied to need. Other income or high-quality material assets are also not available or have already been used up.
In these cases, the instant credit without a job can only come from the church or a charity as a loan. However, there is no legal entitlement to this. As an alternative, which guarantees an instant loan with cash payment, only the pawnbroker remains.