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Home » Loans without payroll in this 2023: What are they? How do they work?

Loans without payroll in this 2023: What are they? How do they work?


As you can imagine, the vast majority of banks will reject any loan application if the requesting client is unemployed, but even so, there are some exceptions. In other words, outside of the immense range of traditional banks, there is also a space for financial products that do not require payroll, especially in online credit institutions.

If you find yourself in a situation of unemployment and you think that your possibilities of being able to access a loan are limited, it is very possible that you will be interested in knowing what the loans without payroll are like in 2023. If you have ever wondered what the requirements are for requesting a loan or if you can obtain a loan without payroll, continue reading and discover how to do it.

What are loans without payroll?

Loans without payroll are a type of alternative loan focused on a type of user without a job, but also on self-employed or retirees who do not have a fixed payroll. In this type of loan, the user pays a higher interest in exchange for not contributing the payroll and being able to obtain money urgently.

Microcredits or loans without online payroll are also a very good option for those people who have seen their loan applications rejected due to insufficient income. In addition, many of them not only do not require payroll, but also do not require a guarantee, one more facility to access money that seems urgent without the need for external support.

Loans without payroll or endorsement, only DNI

As you have been able to verify, there are loans without payroll and without endorsement. However, there are a series of requirements that we will have to provide instead, such as the National Identity Document. In any case, the documentation to be completed will be minimal and of a purely informative nature.


Many people are concerned that entities do not request a greater amount of documentation when evaluating their particular application for fear of being rejected. But right therein lies the advantage of this type of product: fast and simple, but no less secure for that. In addition, even if they are not regulated under the regulations of the Bank of Spain, the companies must meet transparency criteria.

When delivering the documentation, in addition to the current ID, we will have to provide:

  • Name and surname
  • Birthdate
  • Contact information such as mobile phone or email
  • Checking account number

Then, you just have to enter the amount of money you need and the period of time in which you plan to return. The system will take care of evaluating the request and in a matter of minutes a message will be sent to the phone or email, provided in the contact, with the approval of the request. From that moment on, that money can be used.


How to get a loan without payroll

First of all, and following our classic advice, compare. Comparing several options before making the decision is essential to make the best choice. Plus, it’s free. You will simply have to take a look at the loans available online, mainly, looking at the advantages and disadvantages of each product. It is important to use the filters to find, if required, loans without endorsement even with ASNEF.

Once you have it clear, choose the amount of the loan without payroll that best suits your financial situation and fill out the form with your personal information. Then, the lender will study your situation and after analyzing your data you will receive a response as soon as possible.

If everything goes according to plan, you will receive pre-approval for the loan with the contract. Read all its clauses carefully and, if you agree, sign and send it back. After this step you will quickly receive the money in the account you have specified.

What income can I contribute in a loan without payroll?

To strengthen your request and facilitate the decision of the lender, in addition to the basic documentation of the client, you can present income that does not come from the payroll in question. Among them:

  • Unemployment benefit: the most common user of this type of loan, but not the only one who usually accesses them.
  • Pension: as we have commented, not only the unemployed are part of the target audience for this product.
  • Personal income tax or VAT declarations: an alternative that focuses on the self-employed.
  • Income from renting an apartment: the money you receive from being a landlord of a property can also be presented in the loan process without payroll.
  • Scholarship income: these grants also allow you to boost your candidacy.

Are loans without payroll safe?

The main advantage of this type of online processing loans is its speed and the little documentation required to carry them out. Now, it is understandable that this may denote a certain insecurity, but this is not the case. Mainly because entities have to comply with transparency and consumer protection standards.

Summary and conclusions

In short, loans without payroll are a more than interesting alternative, which not everyone knows about, and which are increasingly requested in online credit institutions. If you find yourself in a complicated situation or you simply need access to money to start a project after retirement, this alternative can help you.

If you are in a peculiar economic situation and have difficulties obtaining financing for your business, from the blog we recommend reading our article Nobody gives me a loan, what could be the reason?