Banks usually only grant a loan if the required conditions are met. This includes a permanent employment relationship, which must be proven with a salary or payslip. Many of these documents, a loan request is simply rejected. The bank then has no options for testing. Nevertheless, a quick loan without payroll is possible. How this works, we will show you below.
If no other option is possible, then a guarantor can be responsible for the loan amount. Many banks opt for a loan when a guarantor signs the loan agreement. This is of course a very big risk for him, which is why this step will be very well considered.
A quick loan without payroll can also come about if the borrower has other collateral. For example, this can be real estate that the borrower can offer. If there is no guarantor or if there are no other collateral, a quick loan without payroll will hardly be approved.
Many believe that a loan through Swiss banks would be possible. As for the negative private credit, that’s right. However, foreign banks generally do not lend money without proof of income. A payslip or salary certificate must be submitted in each case in copy. Without this proof, a request is useless.
friends and acquaintances
If all else fails, then we can still help friends or acquaintances. Often family members are also able to help with financial resources. Even if they are friends, acquaintances or family members, the loan should always be recorded in writing. It should also include the terms on which the loan was granted. For example, the amount of monthly installments or interest, if any have to be paid.