How to get a quick payroll free loans.

Quick payroll loans are an option for those who need to meet a specific need.

However, at Spin Lender we only offer financing starting at 6,000 USD, because our objective is to respond to draft needs. Therefore, we are not a microcredit company, nor do we cover these types of needs that require little capital.

Our way of proceeding is simple because you only need to have a real estate property, if possible, free of charges. Once we value it evaluating the pros and cons, we will make you the financing proposal. We will grant a maximum of 30-40% of the value of it. In this way, you will know from the first moment what is the amount that you can have. Not surprisingly, one of our priorities is to be transparent with customers. We want you to know from the first moment what to expect so that there is no type of misunderstanding or problem.

Another aspect to highlight is the return period, since you can choose between a return of one to 10 years. On the other hand, the return fees are monthly, quarterly or semi-annual, as it is more comfortable for you. In turn, you should bear in mind that the interests are between 9 and 12%. Considering all these aspects is important because it gives you peace of mind when dealing with payments.

As transparency is essential for us, we will sign the transaction before a notary of your choice. Quick loans without payroll are an option that today does not imply giving up a single guarantee. Not surprisingly, we have the supervision of the Government of Spain.

Why request a quick loan without payroll

Why request a quick loan without payroll

The request for an urgent loan without payroll can be due to several reasons. Here we indicate some of the most common, even knowing that there are more:

  • Administrative fines or penalties. If you have a small business, you may have to pay a fine. In this case, a quick credit without payroll can solve the problem. In addition, you will avoid the opportunity cost of not paying on time and due to lack of liquidity.
  • Restructuring of the company’s liabilities. Although urgent loans without payroll are designed for exceptional moments, it is the alternative when financial institutions do not give money. In this case, you can convert part of your short-term debts to long-term and breathe. If you have no alternative, we can help you restructure the debt to guarantee the viability of the business.
  • Lifting of liens or payment of mortgages. Although this is not the main task, at Spin Lender we offer financing to lift foreclosures. To do this, we will do the calculation and check if it is enough to solve the problem in the short term. Not surprisingly, you have to remember that this way you will gain time and comfort. We must say that this possibility is exceptional and that you will have to negotiate it with us in advance.

The application process for quick loans without payroll

The application process for quick loans without payroll

Quick payroll loans follow an application protocol. First of all, you have to contact us and explain your capital needs.

Subsequently, you have to provide a real estate guarantee and your DNI or NIE. We will assess it to see if it meets the minimum standards of what we provide. Later, we will notify you if the operation is viable and so you can decide whether or not you are interested in obtaining your urgent loan without payroll. It is possible that we indicate a first possibility and that, based on your feedback, we look for alternatives. We will send you a draft and from there we will wait for your agreement.

Once we have your agreement, we will sign the loan at the notary of your trust. Subsequently, we will register the operation in the corresponding Property Registry and we will provide you with the invoices for the operation. The entire process can be carried out in a maximum of one week with all the guarantees.

Who can apply for a quick loan without payroll

Who can apply for a quick loan without payroll

The truth is that there are hardly any limitations when it comes to who can request a quick loan without payroll. In any case, you must be Spanish or a legal resident in Spain and of legal age. You must also have all your documentation updated. From there, the conditions become patrimonial.

Although it is true that we do not ask for a payroll, a real property must be given as guarantee. It can be an apartment, garage, house, industrial warehouse, restaurant or hotel. As we are going to grant a maximum of 30-40% of its value, it would have to be priced above 60,000 USD so that there are no problems.

If you meet all these conditions there will be no problems, in principle, for requesting quick credit without payroll. At Spin Lender we have proposed that whoever can pay has liquidity whenever they want.

When might you be interested in quick payroll credits?

When might you be interested in quick payroll credits?

Most of the time it is asked if loans without payroll are adequate, the answer we have to give is “it depends”. The main elements that come into play is the need for capital and the requirements.

  • These types of operations interest you when you need a lot of capital to face a specific expense. Not surprisingly, as we give a minimum of 6,000 USD, it is a good alternative to get extraordinary financing. Definitely, it is easier than in traditional financial entities, although the interests are somewhat higher (between 9 and 12%). In short, it is an extraordinary resource that, if you know how to use it that way, will be very useful.
  • Depending on the requirements, you can consider this loan. The advantage of urgent loans without payroll is that you do not need work or fixed income. Now, to be able to get the money you will need, at least, a real estate.
  • If you are a rentier, have an estate or have just inherited, this is a good option. In recent years, these types of operations have increased to rebalance assets or pay entity debts.

Therefore, the architecture of this type of operations is designed for people with great capital and wealth needs. If both cases occur, you will be very interested in this type of loan.

Benefits of quick payroll-free loans

Benefits of Quick Payroll-Free Loans

For the person requesting fast loans without payroll, there are several benefits of accessing this financing. Please note that we want to offer speed, quantity and few requirements. We summarize the most important:

  • Speed ​​in obtaining urgent loans without payroll. If you are looking for fast financing, this is a good option because you will not have to wait weeks and weeks to close the operation. This aspect is important because in certain cases this is what makes the difference between a viable operation and another that is not. At Spin Lender we can take very little time to provide you with the money and we are a reference in this regard. Not surprisingly, since you contact the money you receive it can take no more than a week. In the case of these quantities, it is a very short time.
  • Higher amounts than the fast loans on the market. Another benefit of getting urgent loans without payroll from Spin Lender is the amount. At a minimum, we make loans of $ 6,000 and can offer much larger sums. Consequently, this is the best solution to pay large amounts because it combines speed and liquidity. Of course, remember that the main element is going to be the valuation of the property to determine the amount that we will give you. To revolutionize the concept of urgent loans without payroll is to offer amounts greater than what we are used to. Most operators do not give more than 1,000 USD and we want to go where others do not.
  • Possibility of deferred payment. A loan of more than 6,000 USD requires a long repayment period. Fortunately, you will not have problems because you can pay a year, two, five or even ten, if you wish. On the other hand, you have the possibility to settle the debt in monthly, quarterly or even annual installments. Finally, we offer the option of amortizing principal with interest or paying only interest and amortizing at the end. This point is especially important because, in many occasions, there are problems due to the payment period. We have made it easy for you to choose how you want to pay and in what way so that this is not the problem.
  • Legal guarantees of loans without payroll. For us, guaranteeing legal certainty is essential in the face of the proliferation of unregulated entities. For this reason, our work is regulated by the Ministry of Health and Consumption. In addition, we allow you to sign this operation in the notary of your trust. In the long term, you will value this issue because in the financial sector, guarantees make the difference. For this reason, we attach special importance to this issue.

Completion of urgent loans without payroll

Completion of urgent loans without payroll

Quick loans without payroll are one of the best options in many cases. Now, if what you need is financing of a certain amount, we recommend that you request it with specialized professionals. At Spin Lender we offer a range of possibilities for those individuals or companies that need more than 6,000 USD. We encourage you to contact us to better understand all the possibilities at your fingertips. We are sure that you will get what you need.

Mini loan without proof of income

The income of the applicant plays a major role in the granting of loans. Depending on the income situation, it is checked whether a borrower has sufficient creditworthiness to repay the loan. Proof of a regular income is the proof of income or salary, which is required by every Cream bank when applying for a loan. It becomes problematic when you are self-employed or as a freelancer.

It is extremely difficult for these groups of people to obtain a loan because in most cases there is no collateral and there is no regulated proof of income.

Now there are some alternatives on the financial market to get a loan without proof of income. We took a closer look at them and now introduce them in more detail.

How to get a loan without proof of income

How to get a loan without proof of income

Depending on the amount of the loan, there are various ways to get a loan without proof of income. But keep in mind that your chances of getting a loan are very limited and in most cases you will have to expect a higher interest rate compared to loans with proof of salary.

Urgent loan immediate payment without proof of income up to $ 1,500

Urgent loan immediate payment without proof of income up to $ 1,500

If you only want to borrow a small loan amount, then you have a very good chance of getting a mini loan without proof of income through a mini loan provider. With Prida Cash Lender Money, the mini loan from Prida Cash Lender Bank, you have the option of receiving a loan of up to 600 USD for a maximum of 62 days. Prida Cash Lender Bank is based in Malta, and unlike Cream banks, it also lends if the Credit bureau score is not very good. This means that people with a medium credit rating also have opportunities to obtain a loan. No regular income is required for positive lending. The lending takes place solely after the assessment of your credit rating. Besides MyCredit Lender, Prida Cash Lender Money is the only provider who does not request proof of salary for a loan.

The offer of Prida Cash Lender Money is therefore very interesting for freelancers and self-employed or other groups of people who have to quickly overcome a financial bottleneck. Taking out a mini loan to buy consumer goods is not recommended.

MyCredit Lender and Capital Lender can offer alternatives. At MyCredit Lender, as a new customer, you can borrow up to $ 600 for 30 days. Capital lender offers you up to $ 500. However, you should consult a guarantor at Capital lender if you do not have proof of income.


One of the oldest forms of credit that does not require proof of income is mortgage credit. Instead of proof of your income, you need a valuable item that you can exchange for money. You can do this at a pawnbroker near you or at an online pawnbroker like Ipfand. The loan amount depends on the value of your item, so you can only take up a large loan amount if you have a correspondingly valuable item. If you would like to trigger the item again later, the entire loan amount plus a fee must be repaid. The mortgage loan is one of the most expensive types of loan and should only be used in absolute emergencies.

Frequently asked questions about credit without proof of income

Frequently asked questions about credit without proof of income

What loan amounts are possible?

Prida Cash Lender Money & MyCredit Lender lend up to $ 600 to new customers without proof of income. As soon as you have successfully received and repaid the first loan, you count as an existing customer. From this point on, you can take out a loan of up to $ 1,500 from both providers.

How long are the terms?

The maturities of the so-called mini loans are very short because they are designed to bridge financial bottlenecks. You can therefore take out the loan with Prida Cash Lender Money for a maximum term of 62 days.

Do I need a regular income?

Prida Cash Lender Money is actually the only provider on the market for which you do not need a regular income. Solely the creditworthiness counts for the Prida Cash Lender Bank, which is behind the offer. Factors such as monthly payment of wages do not play a major role.

For which groups of people is this loan available?

If you are 18 and live in Germany, you can apply for a loan through Prida Cash Lender Money. This means that all groups of people, from the self-employed to freelancers, schoolchildren, students, pensioners, employees and civil servants, have the opportunity to obtain a loan without proof of income.

Is a loan without income also possible?

Even if you don’t have to provide proof of income, you should have a regular income. Mini loans that do not require proof of salary usually have to be repaid in 30 days. Otherwise, high costs arise from reminder fees. A loan without income is therefore not recommended. Only borrow money if you can pay it back in time.

Small loan comparison: who can take one in and where can you get it?

A large proportion of consumers in Germany today use smaller forms of loan. This includes small loans , which can be applied for very easily and are much more manageable than larger installment loans. This has the advantage that you can be paid out very quickly. One speaks here also of a small loan with immediate disbursement or mini loans. You can find out exactly what a small loan is and what you need to know in the following.

Editor’s tip: If the loan amount is at least USD 500, online credit brokers such as Best Bank are more worthwhile than mini loans. You have to pay back the money in smaller installments and from 12 monthly installments – with mini loans, the money must be paid back within 30 days, otherwise there are expensive late fees! Best Bank also pays small loans within 24 hours for Credit bureau entries!

What is a small loan?

What is a small loan?

There is no exact definition for small loans. Especially since there are other distinctions for this term, which we will discuss later. Basically, a loan of a maximum of 10,000 USD is referred to as a small loan. Occasionally, an upper limit of 5,000 USD is also given. In any case, it is a loan with a lower loan amount, which is treated like a normal installment loan.

Small loans are now becoming increasingly popular. According to a study by Credit bureau from 2013, only around 30% of all loans are over 10,000 USD. So the need for smaller loans is increasing. However, small loans are not granted by all banks. Such small sums often do not pay off for the bank due to the resulting fixed costs.

While small loans are capped, the minimum amounts paid out are fairly open. However, a distinction is made here in terms. If a small loan has a loan amount of $ 1,500 or less, it is usually referred to as a mini loan. These behave somewhat differently from the conditions.

What are the differences in small loans?

What are the differences in small loans?

As I said, whether the loan is a regular small loan or a mini loan depends on the loan amount. Mini loans are paid up to a maximum of 1500 USD. Anything above that is a common small loan as long as the loan amount is not more than 10,000 USD.

There is a very clear difference in the term. A small loan is just a normal installment loan. Usual terms here are between 12 and 36 months. A mini loan, on the other hand, is considered to be a bridge to the next salary entry. Accordingly, the terms are usually 15 or 30 days.

Small loans then differ in terms of interest or costs in general. Small loans below 1500 USD usually have significantly higher interest rates, which can well be in the double-digit range. Due to the very short runtime, these are not so clearly noticeable. With a small loan with a longer term, the interest rate is at a common level for installment loans. The cost of mini loans mainly arises with the additional services. Immediate next day payment or a 2-installment option are offered for an additional fee, which can make such a small loan very expensive.

When is which small loan suitable?

When is which small loan suitable?

Based on the different conditions, the various small loans are sometimes more and sometimes less useful. A normal small loan is suitable, for example, for medium-sized purchases, such as expensive electronic items. But always compare the possible offers. In some cases, a hire purchase can also be a cheap option. The small loan can also be used for debt rescheduling, for example to compensate for the credit facility used or to replace other loans.

The mini loan, however, is suitable for short-term financial bottlenecks. You should not use this small loan to purchase consumer goods. This does not pay off in terms of the conditions or a corresponding consumer loan is much more sensible in this case. Mini loans are intended for when money should run out at the end of the month or an unforeseen bill goes into the house, as well as for short-term repairs.

Who grants a small loan?

Who grants a small loan?

There are now numerous providers for small loans. There are slight differences depending on what you want exactly and how high the loan amount should be. You can get an ordinary small loan in installments from many larger banks, for example from Good lenders. There are also special providers for mini loans that specialize purely in this loan offer. At other banks, you are unlikely to receive such low loans, at least not on these terms. The best-known providers of mini loans are Good credit company, Fine Bank and Instant Care Bank.

Editor’s tip: If the loan amount is at least USD 500, online credit brokers such as Best Bank are more worthwhile than mini loans. You have to pay back the money in smaller installments and from 12 monthly installments – with mini loans, the money must be paid back within 30 days, otherwise there are expensive late fees! Best Bank also pays small loans within 24 hours for Credit bureau entries!

Instead of going directly to the bank, you can also get a small loan through a credit intermediary such as Cream Bank or Best bank. They have cooperations with various banks and, based on your financial situation, look for a suitable loan offer for you. A small loan can also be financed by private individuals. There are also credit marketplaces like Best Bank or Agree Bank. Here you describe your loan request, and when enough private investors have been found, the loan will be paid out to you.

Is there a small loan without Credit bureau?

Is there a small loan without Credit bureau?

When lending, German providers are legally obliged to check your credit rating. This is usually done with the help of Credit bureau, so as long as you obtain a loan from a German bank, regardless of which provider, Credit bureau will always be checked. Weak negative characteristics do not automatically lead to rejection. With such small amounts, some are overlooked. For example, this is the case with some providers of mini loans.

However, it is more common for small loans that the taking up of such a loan is not reported to Credit bureau. You can therefore obtain the Credit bureau-neutral small loan without it having any influence on subsequent loans, for example. Mini loans or small loans from private to private are usually not entered in the Credit bureau.

If you really want to have a small loan without Credit bureau check and registration, then you need to contact a credit broker. This then mediates to a bank located abroad, such as in Switzerland or Liechtenstein. Credit bureau is irrelevant to banks based there. Your creditworthiness is assessed in another way. Here, the evaluation criteria, for example in relation to your income, can be much tougher than for loans with a Credit bureau examination.

What are the requirements for a small loan?

The requirements for a small loan are much lower than for a larger loan. Above all, less collateral is required from the bank. The basic conditions are:

  • Minimum age of 18 years
  • A permanent and permanent residence in Germany
  • A regular income

Income is particularly important here, since in most cases it is the main security for small loans. Depending on which form of small loan you apply for, the amount of the minimum income required will be higher or lower. In the case of a small loan through a credit broker, an average of $ 1130 per month is required; with a mini loan, $ 700 is often sufficient.

Even if some providers overlook weak negative entries in the Credit bureau, you should not be able to show any hard features. This includes, for example, private bankruptcy, an affidavit or a garnishment of wages. In such cases, no provider will grant you a loan. Even small loans without Credit bureau are then not possible.

Who gets a small loan?

Who gets a small loan?

As a permanent employee, you always have a very good chance of getting a small loan. As long as your income is within the required range and you have no hard negative characteristics in the Credit bureau, nothing stands in the way of the loan. For many banks, assignment of salary is sufficient as additional security. With a mini loan, this is even eliminated.

Mini-loans are very easy to obtain for the self-employed and freelancers. When it comes to loans, banks always have a hard time with this group of people. Nevertheless, a normal small loan on installments for the self-employed is also possible. Since assignment of salary is not possible, the assignment of life insurance is used as security, for example.

It will be a little more difficult for the unemployed. A small loan without income is not easy to obtain. If in doubt, this is only possible with the help of a guarantor. Offers that advertise unemployed people with a small loan should be viewed with skepticism.

Small loans for students and trainees are also possible as long as you have a corresponding income. A small loan for pensioners can also be applied for in some cases. Credit intermediaries such as receipt credit have no limit on the maximum age. Elsewhere, however, a co-applicant or guarantor is recommended if you want to get a small loan as a pensioner.

Do I get a small loan with a fast payout?

That all depends. Many of the offers for small loans are applied for online. This speeds up some processes when applying, which is why a small loan with an immediate approval is not uncommon. However, this does not mean that the small loan is transferred to the account immediately . It can take a few working days for an application to be fully processed and the money paid out.

You will only receive a small loan with immediate payment if the provider enables a fully digital contract. This makes it possible for you to complete the loan online. You can find out from which providers you get a quick loan in our small loan comparison above.

Banks offer urgent private loans.

When requesting a loan or accessing financing, time is a very important factor to consider. Normally, banks take a long time to study a loan application since they request a lot of documentation, such as:

  • Payroll
  • Working life REPORT
  • Last tax declaration filed
  • Income and expense report (in the case of being self-employed)
  • Endorsements
  • They consult the most common defaulters databases such as Financial Credit Institution

Collecting all this documentation, studying it, and evaluating the client’s risk profile can take weeks. This means that if money is urgently needed, going to a bank is not the fastest option.

Urgent private loans allow you to obtain financing in less than a week from the first contact with the company.

Requirements for our urgent private loans

Requirements for our urgent private loans

To access one of our urgent private loans you must meet two essential requirements:

  1. Request more than $ 20,000. We do not work on granting loans for amounts less than that figure.
  2. Have a real estate property. We must protect in some way the private provider that leaves you the money in a private capacity. The real estate property will act as guarantee in case of non-payment.

Crediting: urgent private loan specialists

Crediting: urgent private loan specialists

At Spin Lender we are specialized in urgent private loans. We have a wide portfolio of private lenders who will be ready to lend you the money you need quickly and comfortably.

We are not a fast and instant loan company that deposits money into your account instantly and without asking questions: we have a financial and real estate team in charge of evaluating each request individually to offer the best conditions and the best possible payment plan to each client.

Terms of our urgent private loans

Terms of our urgent private loans

All urgent private loans we grant follow the same timeline, which is as follows:

  1. The client submits the loan application, as long as it meets the two mandatory requirements that we have seen above.
  2. We study the feasibility of the operation: a financial advisor will contact you within 24 hours to find out your financial situation, if you are in Financial Credit Institutions, if there is a process of seizure and auction for any unpaid debt in order to know the status of your finances or those of your company.
  3. Once all the information has been collected, the consultant will study the feasibility of the operation and will contact you for the next 72 hours (3 days). If we see that the operation is feasible and you are not in a dead end, we will start looking for private providers who will leave you the money.
  4. We will sign the loan before a notary and within a week you will have the money in your checking account. At the same time, we will have planned a payment plan adapted to your needs and abilities so that repaying the loan does not mean sacrificing your personal economy.

Apply for your 4000 dollars credit net loan amount covers costs

Financial bottlenecks can become a real problem. Sometimes this problem can be solved by taking out a lightning loan. The amount you need depends on your current situation. The 4000 dollar loan offers a good measure. The net loan amount covers costs. However, the repayment does not take too long. With Infra Bank you can quickly and easily apply for an online loan without any processing fee. This enables you to find the offer with the best effective interest rate and the greatest flexibility.

Free credit request With a net loan of $ 4,000 and a loan of 72 months, 2/3 of the new customers receive in advance. an eff. Interest rate pa of 7.9% or less (born debit rate 6.45% pa) Important: In your own interest, please do not make any further credit inquiries, as multiple inquiries (also from other providers) can lead to irritation and the blocking periods can be imposed by the banks in question.

4000 USD credit with Infra Bank

4000 USD credit with Infra Bank

  • Loan contract drawn up by the professional on the situation
  • Free inquiry and processing with social responsibility
  • No additional contracts like family insurance, credit card etc.
  • Celebration purpose

Things don’t always go as planned in life. If you find yourself in a financial shortage, it is helpful if you can access the desired amount within a short period of time. A net loan amount of USD 4000 is no longer considered a mini loan, but can be seen as a small application. The loan amount is of course relevant here. Depending on the loan provider, the loan costs may vary. It is therefore important to us at Infra Bank that you find the right installment loan.

As a credit broker and comparison portal, Infra Bank can draw on a network of different lenders for you. In this way, you can find the right loan for the loan amount of 4000 USD.

If you need a lightning credit, you can apply for it through us.

So you benefit from a 4000 USD credit from Infra Bank

So you benefit from a 4000 USD credit from Infra Bank

A 4000 USD credit from Infra Bank can be applied for quickly and easily. Your request will be checked and forwarded without processing fees. This enables us to optimally implement a lightning credit. With an instant loan you can settle liabilities or you are financially more flexible.

Infra Bank has years of experience as a credit intermediary. We know how important it can be to get a loan amount quickly. If you cannot take out a personal loan, an installment loan is still the best option. With a good effective interest rate, you can pay it back in a suitable monthly rate. You can check the repayment, for example, using a loan calculator. Here are non-binding offers for you.

Do you need an immediate payment? Do you already know exactly what your loan rate should look like or in what period you want to pay off? With credit types like the 4000 dollar loan, it is very practical if you can be flexible. That’s exactly why Infra Bank is looking for the best offer for you.

An immediate acceptance is of course particularly practical. This requires a fully completed loan application via the website. We are happy to support you.

When will the 4000 dollar loan be paid out?

When will the 4000 dollar loan be paid out?

How quickly the money from your 4000 USD Fast Loan is needed depends, of course, on what you want to use the money for. With a renovation loan, there may be a little more time than with a debt rescheduling or even a car loan. Extensive paperwork is therefore not particularly helpful.

The credit decision for your desired amount is made within a short time via Infra Bank. After you have submitted your loan request, we will check it and send you the loan offers. Once your decision has been made, the loan can be granted.

Legitimation is necessary for this. This is used to check your identity. A PostIdent or a VideoIdent procedure can be carried out here. The video version works without paperwork and going to the post office. After the examination, the money can be transferred. This usually happens within a few days.

Does Credit Bureau play a role in a 4000 dollar loan?

Does Credit Bureau play a role in a 4000 dollar loan?

If you make an inquiry to Infra Bank, it will be treated neutral. When lending itself, however, the Credit Bureau is an important factor. It doesn’t matter whether you take out a renovation loan or a modernization loan or just want to use a classic installment loan. A quick loan can also be helpful for debt restructuring.

With a query at Credit Bureau, a lender checks your solvency and your reliability. The loan offer for the net loan amount is then created depending on the credit rating. Some providers also provide a credit-independent loan or a loan despite Credit Bureau.

A query is also carried out for a loan despite Credit Bureau. However, you can get a loan even if your Credit Bureau score is not as good. If you have any questions about these options, you can contact Infra Bank.

What do my offers look like?

What do my offers look like?

The basis for the offers for your loan request is the Price Specification Ordinance. Here it is noted that all costs must be presented transparently for the borrower. This applies to the preliminary costs as well as to the credit costs. The effective interest rate must be recognizable so that you know the fees before borrowing. The donors for your desired loan list everything. So you can carry out a comparison in peace and see which offer suits you best.

Tip: Do you want to reschedule? In this case, the loan should be particularly low-interest so that you can also make savings if you want to replace another loan.

How to obtain private loans in Spain.

Spin Lender leads private loans in Spain for having a wide portfolio of private lenders that adapts to the needs of all applicants.

History of private loans in Spain

History of private loans in Spain

The 2008 credit crisis changed the credit, banking and financial landscape in Spain and around the world. We went from a total credit opening, with the banking sector ready to grant loans to almost any person or company, to see the tap of financing closed almost automatically. Also for investors the blow was hard, as they saw the performance of bank products fall due to an unstoppable drop in interest rates. In this scenario of lack of financing for families and businesses and lack of performance of financial products for savers and investors, private loans appeared in Spain.

Private loans in Spain with private investors

Investors who did not get a return on their savings from bank products became lenders to families and businesses that were rejected by banks. This is how both parties came out winning and this is how private loans appeared in Spain. Spin Lender is in charge of connecting both parties, studying the applications for private loans in Spain that come to us online completely telematically and in less than 72 hours.

Conditions of our private loans

Conditions of our private loans

Spin Lender manages and studies financing applications only if the applicant meets the following two requirements:

  1. Have a real estate property in your name. It can be any type of property: warehouse, apartment, house, apartment, premises.  We need to protect the interests of the provider and that property will be the guarantee. We will assess it independently to know the maximum amount that we can grant you (normally 30% of the total).
  2. Order more than $ 20,000. For amounts less than this figure, all the study and opening of private loan lines in Spain are not profitable for Spin Lender

Characteristics of our private loans in Spain

We work within the entire Spanish territory, regardless of the geographical area where the applicant is.

We are not a fast-use credit company, which delivers the money to the checking account without asking questions and then demands abusive interest, but in addition to requesting certain guarantees from the claimant, we also do everything possible to facilitate the repayment of the loan.

Our work method and structure of decentralized consultants allows us to work as follows:

  • The applicant, if his loan application is approved, can sign it before the notary of the autonomous community and city that he chooses.
  • We advise the applicant on the best way and the most comfortable terms of return based on their ability to pay, although he always has the last word. You can choose installment, payments and type of amortization.
  • We are regulated by the Ministry of Consumer Affairs under the regulations that regulate loans between individuals. No cheating or cardboard.

24h / 7 loan – is a 24-hour loan a good solution?

A 24h / 7 loan is a good solution when we need a quick inflow of funds. Companies that specialize in granting loans are financial institutions that operate similarly to bank branches. The most common of the questions about loans are:

Although many questions about the terms of the loan agreement could be exchanged, the most important thing before submitting an application is to set a date within which the application will be considered and the money transferred to the applicant’s account

How quickly is your application processed?

How quickly is your application processed?

A 24-hour loan is an offer addressed to people who have free time at non-standard hours and on non-working days. The loan application system works online 24 hours a day, seven days a week. A 24h / 7 loan is a payday loan that is easy to get because the application verification procedure is very simplified and short-lived.

The application may be processed even within fifteen minutes. The payday loan, which we can receive at any time every day, is an offer tempting with high maximum amounts that we can borrow. Depending on the speed of transfers between institutions, we will receive money quickly.

Who is the loan for 24 hours?

To have a chance for a quick loan, with formalities done online, you must avoid debt and annotations in the database of indebted persons. You must have Polish citizenship and appropriate age (you must be of legal age).

You must also have a bank account, created in your own name and Polish telephone number. A quick online loan, which can be obtained regardless of the time of submission of the application, is possible for people who undergo verification and demonstrate their repayment capability.

24-hour loan – how to pay back without any problems?

24-hour loan - how to pay back without any problems?

The loan that we take out at a financial institution that does not have the status of a bank is usually a payday loan which must be repaid once, on the required short notice. The loan repayment is not split into installments, and the time required for repayment does not include delays.

Failure to pay the loan within the deadline may mean a recovery procedure initiated in this case. If the temporary loan was taken because of late payment by the employer, after receiving your salary, you should pay immediately so that you do not fall into the debt trap.

If the financial situation is difficult, before the repayment deadline expires, the lender should be asked to extend the repayment deadline. It is important not to exceed the required deadline. An extension may involve additional fees, but the debt collection procedure and associated interest are certainly more expensive.