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.

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