If you are unemployed, you will probably ask yourself: can I apply for personal loans while unemployed? The truth is that obtaining financing in a situation of unemployment is not something very common, since most financial companies ask for a job as a requirement.

However, today it is possible to obtain credit without the need for employment, through online financial companies that offer fast loans for the unemployed. Unlike banks and other entities, these finance companies do not ask you to be on a payroll . Instead, they ask to have periodic income to show them that it can be in the form of unemployment benefit or unemployment benefit.

Now, this does not mean that those who do not have regular

income cannot apply for credit. In fact, there are entities that grant loans without payroll and without recurring income , in exchange for a guarantee that supports their return.

Most of the unemployed usually resort to this type of 직장인대출 when they need to pay off a debt or cover an unforeseen expense. Their biggest advantage is that they can be processed completely online and receive the money quickly in a matter of minutes .

It should be noted that the entire process is very transparent, since from the first moment you know the interest rate, the commissions, the terms, the installments and other details of the financing.

What are the requirements to request a loan without a job?

  • Although it is true that each entity establishes its own requirements to opt for financing, there are some basic requirements common to most of them. These are:
  • Being over 18 years.
  • Reside in Spain.
  • Have a valid DNI or NIE.
  • Be the holder of a bank account.
  • Have demonstrable regular income.
  • Have an email and a mobile phone number.

In addition to these conditions, some entities may ask you for additional requirements to grant you an unemployed loan, including:

To be solvent, that is, not to be in any delinquent registry .

Have a guarantee that serves as a guarantee for the repayment of the credit.

Loan options for the unemployed

From our platform, you can access a variety of unemployed loans, with conditions that adapt to your needs and possibilities . These options vary in terms of the amount, the return period and other characteristics that we will see below.

Online microcredit

Online microcredits correspond to quick loans that range from €50 to €1,000 and are designed to be repaid in the short term , usually in a single payment .