Where can I get a cash loan without official employment. In which bank can you get a loan for an unemployed

Official employment and income statement are a guarantee that the borrower will fulfill his obligations in good faith. The less evidence that an individual has money to service a debt, the less likely it is to get a loan. Informally working citizens consistently face bank refusals. Let us analyze the current chances of those willing to borrow from the “gray sector”.

How to get a loan for informal workers

Still, working, albeit unofficially, is better than not working at all. Easier than getting it if there is no source of income at all. The bank will certainly refuse to take out a loan if you are not a client of the premium segment or a rentier of a more or less average hand.

Will they give you a loan if you work unofficially?

The main difficulty of citizens who want to get a loan if they work unofficially is the lack of confirmation of income and work experience. If banks can exclude the last requirement from their programs, increasing the percentage, then a certificate is required to be presented in almost any PKU.

Filling the employer of a certificate in the form of a bank for an unofficially working employee does not guarantee that a loan will be issued. Check tax deductions and insurance premiums will not be difficult, an individual will permanently lose his reputation as a bona fide borrower, and the employer may be administratively punished.

Do not apply for a loan from a bank, the conditions of which strictly establish confirmation of income with the help of certificates, and work employment - with a work book. There is a 99 percent chance of being rejected.

Please note in some cases confirmation of income can be carried out:

• Bank statements or pension fund statements;
• Rental contracts;
• statements from the broker on the level of the client's investment profit.

The surest way to borrow money is to contact a bank that provides a loan with a minimum package of documents, or to attract a solvent co-borrower.

The inability to provide documentary evidence of their employment significantly reduces the chances of obtaining a loan in financial institutions... However, there are banks that are ready to issue loans on such conditions, but with individual requirements. The correctness of the application and confirmation of financial stability guarantee 100% approval.

Proof of income

No bank will issue a loan based on its own preferences, considerations or personal interests. Exists special assessment the client according to the level of his financial position.

Thus, you can confirm your income without a certificate of income, but in other ways:

• payment utilities and taxes;
• motion account statements Money with the designation of incoming transactions;
• documents on property and real estate insurance services;
• an agreement confirming the receipt of funds by the borrower;
• receiving interest on the deposit;
• class entrepreneurial activity;
• freelance work;
• renting out personal real estate

If the client is not officially employed, this does not mean that he is unemployed. Many companies, in order to avoid taxation or layoffs, prefer to draw up a contract or a short-term, fixed-term agreement without a corresponding entry in the work book.

Recipient requirements

The borrower must meet a number of requirements

The borrower must be ready to submit not only a passport, but also a second document at the request of the bank.

Conditions for obtaining a cash loan without official employment?

Financial institutions offer following conditions lending:

• the possibility of obtaining a loan up to 1 million rubles;
• minimum requirements with the presentation of a passport or a second document;
• transfer of funds to a card account or cash withdrawal;
• issuing a credit card;
• the ability to fill out an application in online mode or at bank branches.

The more the borrower submit documents, the lower the interest rate will be, and the loan amount will be higher.

Video: Can I take

Banks

Without formal employment the client can be credited in the following banks.

A client is much more likely to get a loan if there is something in the property, as well as an impeccable credit history.

IFIs

Micro financial institutions only a passport is requested from the client, but the approved amount does not exceed 50,000 rubles.

The interest rate can be up to 750%. Interest is accrued daily.

This type of lending is rather simplified, but also interest rates some of the tallest.

Receiving options

If you need to get a loan without having official employment, you can use several ways:

• apply to banks that lend to clients using this passport or a second document;
• fill out an application online;
• pledging property - a decrease in the interest rate and an increase in the loan amount;
• issuance of a credit card with a grace period of service and a refillable limit;
• credit broker services;
• microfinance organizations with short terms return and receive money within an hour.

Each method of obtaining a loan has its own advantages and disadvantages. Inflated interest rates, service fees and no debt to other financial institutions.

Credit cards

A popular banking product with the following features:

• instant issuance without the need to confirm your employment;
• registration is possible both at a bank branch and via the Internet;
• it is enough to fill out an application form on the bank's website to get a preliminary decision;
• the card is received at a bank branch or by sending it via mail;
• the credit card has a predetermined, refillable limit, minimum amount payment.

To pay off the debt on the card, it is enough to make the amount of the minimum payment in advance set time... Part goes to pay off the principal debt, and the other goes to interest on the loan. Also, the credit card has a grace period of 55-60 days, when the credit can be used without interest.

With active use of the card, the bank increases the limit, reduces the interest rate and offers more loyal credit terms.

There are several nuances to consider when applying for a credit card:

• there is a commission for cash withdrawals, so the card is more suitable for cashless payments when shopping;
• price annual service can go up to 3000 rubles.

The amount of the loan depends on the credit history of the borrower and his solvency. Credit cards often provide all kinds of bonuses, promotions, and a cash-back program with a refund of part of the money spent on the card account.

Loan for two documents

To increase your chances of getting a positive decision on your loan application, it is worth submitting a second additional document:

• driver's license;
• international passport;
• statement of account;
• a plastic card;
• military ID;
• pensioner's ID;
• insurance policy;
• documents on the presence of property or real estate.

Thus, according to two documents, you can apply for a cash loan without official employment. The more the borrower is able to submit documents, the more likely it is to receive a positive decision on the application.

Property pledge

TO collateral can be attributed:

• car or other transport water, air or land vehicle;
• large-sized equipment;
• land plot, apartment, private house, any non-residential premises, dacha.

The appraisal and preliminary cost of a property or real estate pledged object allows you to get up to 80% of the appraised indicator. It also provides for a decrease in the interest rate and the provision of more favorable terms for the loan.

Alternatives

Among other ways to obtain a loan without formal employment, other alternative proposals should be considered:

• loans for pensioners who no longer work officially, but systematically receive a pension;
• bail-out pawnshops precious metals or technology;
• auto pawnshops that issue a loan secured by a car.

These proposals have a much lower percentage than in MFOs, and if it is impossible to fulfill their obligations, the property budget has been implemented. There are no fines or fees. The loan amount will directly depend on the appraised value of the property.

Brokers

Credit brokers work on the following conditions:

• the client goes to the office and states the desired amount;
• then the broker selects the most profitable banks, according to the individual data of his client, evaluating him financial opportunities and credit history.

Brokers know the offers of all the bank, so they can quickly indicate where to contact. For this, the borrower will have to pay up to 15% of the received loan amount.

Private investors

Private creditors can be ordinary individuals who have a certain amount and want to increase their capital.

Credit relations are contractual. In order not to fall into the hands of a fraudster, it is necessary to issue a receipt for the transfer and receipt of funds indicating the details of both parties to the transaction.

When applying for a loan for mortgage of real estate or a vehicle, you can get up to 50% of their market value... It is better if such a contractual relationship will have a loan agreement with notarization and signatures of the parties.

Package of documents

Depending on the desired amount and the type of financial institution, there are corresponding requirements for the collection of documents.

Cooperating with well-known banks, it is better to choose those that are ready to offer more loyal conditions, if the client is ready to submit any second document of his choice and confirm his solvency.

Advantages and disadvantages

This type of lending has its own nuances:

• fast registration;
• minimum package of documents;
• no need to collect more certificates and has official employment;
• registration fees;
• high penalties for late payment.

It is necessary to carefully study the loan agreement, as some commissions and fines are charged illegally.

Getting money without an employment contract is quite simple:

• you should have an impeccable credit history;
• provide as many documents as possible proving the client's solvency and whether he has real estate or property in his ownership.

Alternative methods of lending should be resorted to only as a last resort, given the inflated interest rates.

Since lending is gradually becoming an integral part of the life of a modern person, many people have taken or are just planning to take out a loan. Of course, having a constant stable income and being officially employed, you are unlikely to run the risk of encountering any difficulties during the consideration of your application by the bank. Although today most citizens are still unable to present to the creditor official document about the level of income. Accordingly, such people are at risk of being denied credit. Let's find out, is a loan for non-working citizens still a myth or a reality?

How lenders see the situation

So, let's look at the situation through the eyes of a bank. Today, unfortunately, more than half of working-age citizens do not have an officially registered place of work, and, accordingly, no income. Of course, lenders understand that not all unemployed are in fact such. Moreover, by issuing loans only to officially employed, banks will lose the lion's share of their own income.

People who are officially registered as unemployed can present a certificate from the employment service at the bank.

Conditionally lending organizations divide the problematic part of citizens into several categories. The first includes people who are temporarily unemployed and are officially registered at the labor exchange. The second group is citizens who have workplace and constant informal income. Finally, the third group represents people who do not work and are not registered anywhere. Therefore, the question: "Is it possible to take out a loan if you do not work?" does not have a definite answer.

Of course, the approach to each client will be individual. True, you will have to collect a lot of documents and find guarantors in order to lend funds to the bank. For example, the first group of unemployed can provide papers on regular receipt state benefits... Of course, this amount is scanty, but for the lender, this option may be acceptable. It all depends on the purpose and size of the loan.

Moreover, it will be quite difficult to take a loan for a non-working person if he cannot prove his solvency to the bank or offer any property as collateral. This is especially true for citizens of the last two categories. Although, when you do not work and do not have such prospects, perhaps applying for a loan will not be the most the best solution... After all, the money, one way or another, will have to be returned.

Nuances to be aware of

Since we are already talking about how you can take out a loan if you don’t work, let's think about what can affect the positive decision of the bank. According to experts, a borrower with a good credit history in the past increases his own chances of getting a loan. Moreover, when such a person does not officially work. An additional plus will be obtaining and successfully repaying a large loan from the same lender where you would like to lend money today.

Whether the lender refuses you or not depends on how conscientiously and on time you repaid loans in the past.

After all banking system functions in such a way that absolutely all cases of a positive and negative nature will necessarily be reflected in the borrower's credit history. Knowing about this nuance and using it for your own purposes, you greatly increase the likelihood of receiving a positive response from the bank. Of course, when in the past you have already had some problems with paying off debts, most likely, the lender will refuse you without hesitation.

Loan options

Undoubtedly, when issuing a loan to unofficially working citizens, banks are at great risk. However, the current conditions in this field of activity make such a decision forced. After all, the lender must successfully compete in the market with other organizations of this kind. Of course, in the end, compensation for the possible threat of loss of funds will certainly fall on the shoulders of the borrower. Moreover, your ability to get any of the loans offered by the lender will be severely limited.

An indispensable condition for lending for an unemployed person will be a high interest rate, which works as a compensator for the lender's risk

It is quite difficult to increase the likelihood of a positive decision of the bank on your own. To do this, it is advisable to involve a professional - a credit broker. Such an advisor will do everything possible to help the client get what he wants on the most favorable terms for him. Of course, this kind of service is not free. Typically, you will pay the agent a certain percentage of the amount you receive. Of course, this is not very profitable, at first glance, although, at times, this method becomes the only acceptable option to take a loan to non-working people.

Also, one of the options for obtaining a loan will be getting a credit card. Today many banks offer similar services. Moreover, in most cases, you will not even need to leave your home to receive the desired funds. It is enough just to send an online application to the lender. In addition, many banks offer special lending conditions that do not provide for official confirmation of your income.

Quite willingly, loans for informal workers are issued by non-state financial organizations and private rentiers. As a rule, such lenders are completely uninterested in official papers confirming your ability to pay off the loan. They usually take the client's word for it. True, interest rates in this case will be too high, and there is little time to repay the loan.

You should not provide the lender with fictitious certificates and other papers - this can play against you

Some citizens, who are desperate to take a loan from a bank, go to illegal actions. As a rule, they turn to an intermediary who prepares forged documents and certificates for the bank. Of course, experts speak extremely negatively about this method of getting what they want. Remember, such actions are absolutely illegal and fraudulent. Therefore, if forgery is revealed, you run the risk of being imprisoned.

Bank plastic cards

Perhaps the simplest and most effective way to get a loan if you don't work is to issue a credit card. Today many banking structures offer a similar type of loan. At the same time, the average interest rate ranges from 17 to 35% (here a lot depends on the age of the borrower and other parameters). Of course, maximum amounts such loans are limited. As a rule, you will be able to lend no more than five hundred thousand rubles.

The easiest and fastest way out is to get a credit card.

However, nevertheless, the advantage of obtaining plastic card there will be a quick decision by the lender. Usually the borrower receives money on the day of application. At the same time, as we have already mentioned, you can also send a petition via the Internet. True, you need to carefully analyze all the offers of different banks and evaluate what conditions will be optimal for you. It is also worth carefully studying all existing payments for using the card. It often happens that general rate on a credit card reaches 60%.

Special lending programs

Today many people are worried: "I work informally, how can I get a loan?" Note that some banks provide this feature and have developed special programs lending to such persons. These include conditionally groups of inappropriate consumer loans and the so-called quick loan. Of course, you shouldn't hope that the lender will just take your word for it. And since you cannot show him an official document confirming your income, think about how you can prove that you are only officially unemployed.

Banks' express lending programs can also be a way out

Most lenders practice calls to the ones you specify. phone numbers employer. That is why you must be prepared for this turn of events and notify your manager in advance. It goes without saying that you should not give the lender fictitious numbers and addresses.

Remember, banks study such information in great detail, and if a forgery is revealed by the lender, you will receive a refusal and a negative note in your credit history.

Another nuance of this kind of loans will be increased interest rates. And this is quite understandable - in this way the creditor insures his own possible losses. Therefore, calculate in advance total amount overpayment (in some cases it exceeds the amount of the loan itself). This will help you decide how appropriate this method of receiving money is for you. Remember that such a decision should be made only after thoroughly studying the positive and negative factors of the type of loan offered to you.

We take a loan from individuals

Judging by the numerous reviews of borrowers, this method should be the last of all really possible. It is not necessary to assume such obligations without special need. Of course, the convenience and speed of issuing such a loan captivates many with its seeming simplicity... However, few people pay attention to the fact that the interest that will be offered to you is indicated for each day of using the loan. That is, the overpayment will be enormous.

Applying for a loan from individuals or MFIs is not the best solution due to the huge overpayment

In addition, without special guarantees, and, as a rule, it is the valuable property of the borrower, you are unlikely to receive a positive answer. Of course, in most cases, a lot depends on the amount of the loan, but the practice of collateral is quite common here. Therefore, you should not start looking for a lender, focusing on such lending organizations. Especially since you get today credit card easy enough.

When other people are ready to vouch for you

As practice shows, the chances of getting a loan will increase significantly if you can find guarantors. Of course, these people must fully comply with the requirements of the bank. That is, it is mandatory for the creditor to present the 2-NDFL form and a certain level of their income. True, this will not always guarantee a loan to you.

The ability to find a guarantor will significantly increase your chances

Also, your willingness to provide them with your own property secured by a loan will increase the likelihood of a positive decision by the lender. Moreover, the lender will consider this offer, even when you only partially have the right to own this property.

Usually, in such situations, real estate or a vehicle becomes a collateral. True, his age must be less than three years old. In addition, you can offer your own open bank deposit accounts as collateral, securities or other things.

As you can see, it will not be easy for a non-working citizen to take a loan, but in principle it is possible. The main issue here is to increase the base interest rate for lending and reduce the terms of use of the loan. Of course, it is up to the borrower to decide whether you agree to such conditions or not. However, we will try to warn you against hasty and rash conclusions - do not be too lazy to clarify in detail all the nuances of obtaining such a loan.

A cash loan is quite popular because it allows you to get a large amount of funds for almost any need, including the purchase of expensive items, including cars, jewelry and equipment, as well as real estate.

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But in order to obtain loans, it is usually necessary to comply with a whole list of conditions that are put forward by the bank to the borrower. They relate to income, age and, of course, employment.

But people often work without official employment, but a loan is still required for any purpose.

In this case, you just need to figure out how to get a cash loan without official employment in 2019.

Some banks provide such an opportunity, but more often you can find out about it by the postscript “loan without certificates” in the conditions of the bank.

But it should be understood that this increases the risks of not returning money to the bank, and increases credit interest to huge values.

General aspects

A cash loan is usually easier to obtain than a mortgage or, as there are two types. issued for a specific purchase, for example, a prominent representative is a loan, which can be issued directly in a hardware store, furniture and others.

In this case, the percentage may be even less than the market average. But if funds need to be received urgently and without refusal, then it is consumer credit will be the best solution even for difficult situations.

Important concepts

Credit	This is the lending of a certain amount of money, on the terms prescribed in the contract. Banking organizations can issue loans individuals- consumers who are not associated with business activities and legal entities- companies and organizations
Credit agreement	This is an agreement, which is a paper confirmation of the conclusion of the transaction.
Proof of income	This is a procedure for providing documents that indicate the presence of permanent income in the form of cash from the borrower.
Loan application	This is a special form, the main purpose of which is to provide information about the loan and the borrower. It can be in paper or electronic form. Based on these papers, the loan is issued

Photo: a single loan application to all banks

Proof of income

Most banks issue loans only on the basis of confirmation of the presence of a permanent stable income from the applicant for a loan.

Such documents can be:

Based on these documents, the bank makes a conclusion about the borrower's solvency. But in the case when the loan amount is small or the borrower has provided other confirmations, these papers may not be provided.

Legal regulation

Since the majority of cash loans are provided by banks, it should be understood that this area is subject to certain laws. Russian Federation.

The main one is a legal act numbered, which specifies the main points of the banks 'work, gives a description of such institutions, and also says how the bank should work with clients' credit histories and collect debts from clients who have made a mistake.

If the questions relate to the contract, then this aspect is detailed in detail as in Civil Code and him, and in.

If the client is not sure about appearance of the contract, the correctness of its drawing up, or wants to find a reason for termination, he can easily find out about all this by looking at Law 353-FZ. Sample loan agreement can .

But not only the contract, but also the interest is given in this law. Everything related to the maximum interest rate, its accrual and possible reduction, is also collected in the law on consumer lending.

To get a loan without any problems, you should read all the main legal acts, and require the lender to comply with all conditions. Only then will the client be able to protect his rights and protect himself from illegal actions of the bank.

Where to get a loan without work

If the borrower does not have a permanent job, this is not a reason to give up the idea of ​​getting a loan. There are many organizations that are ready to issue a loan even without proof of work.

Such programs exist for many banking institutions Russia. Therefore, first of all, it is worth contacting there. After all, banks offer the most favorable interest rates and maximum amounts.

It is possible to arrange enough profitable loan and through others credit institutions... For example, through microfinance institutions, pawnshops.

Their conditions will not be so simple, but the loan is still possible. However, in rare cases, they require confirmation of the existence of a job, length of service or income.

Borrower requirements

Each banking organization can put forward its own set of requirements to the borrower. It can contain both small and global requirements.

Basically, they are aimed at establishing the solvency of the borrower. Indeed, for a bank, this is the main factor in approving a loan application.

If a banking organization issues loans to people without an official place of work, then the list of requirements should include the following indicators:

Citizenship of the Russian Federation	This point is dictated by the legislation of Russia, since it is impossible to issue a loan to a foreigner within the country
Registration in the region where the bank operates	So that the organization can freely communicate with the borrower
Income	It can be shown in the form of a certificate of receipt of extra-credit funds on the account, which indicates the presence of unofficial income
Borrower age	Must be between and up to 70 years old - in some banks the minimum threshold reaches 21 years

If all the requirements of the bank are met, you can count on a quick positive decision on the loan. In addition, it is important to collect a complete package of papers and quickly transfer them to the bank. This will also help to make a pleasant impression on the bank employee.

Which bank gives a cash loan without official employment

On the credit market of the Russian Federation, there are many offers for those who cannot confirm official employment.

Many banking organizations issue loans without requiring the provision of various certificates. Including about employment or the level of wages.

If you need to issue such a loan, you should familiarize yourself with the following proposals:

Bank's name	Amount and term	Percentage, per year%
	up to 1 million for 60 months	14,9
Moscow credit bank	up to 2 million for 15 years	12,5
SKB-Bank	up to 300 thousand for 36 months	27,1
	up to 100 thousand for 60 months	from 19.9
	up to 200 thousand for 60 months	63

Photo: online application for a loan at the Post Bank

The borrower should understand that the lack of proof of employment immediately raises loan rates and reduces the maximum loan amount. This is due to the fact that the creditor does not receive sufficient guarantees of debt repayment.

Required package of documents

To apply for any loan, it is imperative to provide a package of documents.

Based on the fact that most often banks are interested in the borrower's income, then in the absence of this requirement, the list of securities will look like this:

1. Passport of a citizen of the Russian Federation. Since for foreign citizens there is no provision for the issuance of consumer loans.
2. Insurance.
3. Foreign passport, driver's, student's or pensioner's license.

These documents are necessary so that, on their basis, the lender is convinced that the borrower can provide at least some guarantees of repayment of the loan.

In addition, some banking organizations allow the provision of a statement of the movement of extra-credit funds on bank account... Therefore, unofficial income is also used to account for solvency.

What is the percentage of this loan

In order to get the most profitable loan, you should pay attention to the interest rate indicator in the case of this type of loan.

Bank	Maximum rate,% per year	Minimum interest, per year%
Post Bank	29,5	14,9
Moscow credit bank	28	12,5
Renaissance Credit	27	13,9
SKB-Bank	27	27,1
Ural Bank for Reconstruction and Development	27	63

It must be understood that interest rates always depend on several factors:

• amounts;
• maturity date;
• individual indicators of each borrower;
• minimum and maximum rates at a specific banking institution.

Based on this, the exact loan rate is calculated separately for each borrower.

How to pay off debt

To repay a loan, banking organizations offer their customers different sets of methods. The most convenient, of course, is the transfer of funds from the card of the bank in which the loan was taken.

This option allows you to save money on commissions. You can also set up automatic debiting of funds from the account.

Among the less popular methods are:

Conditions for receiving in Moscow

Most of the country's banking organizations are concentrated in Moscow. Therefore, it is very easy to get a loan without confirming your income in the capital.

For those who want to receive small amount, it is worth considering the proposals of such banks:

Banking organization	Amount, rubles	Maturity, months	Interest rate per year,%
Asian-Pacific Bank	up to 300 thousand	48	15 and 30
Sauber Bank	up to 100 thousand	36	17
Transcapitalbank	up to 250 thousand	60	20
	up to 500 thousand	60	14,9

But for such offers, the rates are quite high, since the loan amounts are small.

The largest number credit offers for those who cannot confirm their income in Moscow with Renaissance Credit Bank:

All offers are expected to mature within 60 months.

Alternative options

You can get a loan without proof of income not only in banking organization... As banks offer the most profitable terms, then their requirements are high.

But there are also such organizations in which you can get a small loan on quite adequate terms. But the loan term will be much shorter:

Reading time ≈ 4 minutes

Answer: Quite a few banks offer loans under two documents. It would seem that you need to go where you will not be asked for a 2-NDFL certificate. And that's all. But is it really that simple?

Even large banks such as Sberbank and Raiffeisen can issue a loan or credit card under two documents. As for credit cards, most banks issue them without unnecessary inquiries.

But the lack of a certificate is one thing, and the lack of official employment is quite another. If you are listed anywhere formally, your chances are high. Since your formal employer still makes the minimum tax deductions on your behalf. Remember, maybe someone works for your labor (godfather, matchmaker, brother)? It's time to use this to your advantage.

Real income can be confirmed by a free-form certificate. Or just personal data - if an application for a credit card or in a loyal bank that does not require a heap of documents. With a positive credit history, this will allow you to take even a significant amount of credit.

But even if you are not formally employed in any way, it's okay, everything is fixable.

What not to do

Contact a major bank and submit false information that you are officially working. Even if your boss is ready to confirm it upon a call. This data breaks through instantly... Taxes are not deducted.

IMPORTANT! Suppose you have been working unofficially for a long time, receive well, and plan to take out a large loan. For example, a mortgage. Or just consumer, for your own purposes. To make it less problems with receiving a large (and very large) amount, you can do this:

Agree in advance (3-6 months in advance) about formal employment at your current place of work with the minimum official salary. At least part-time. And the main income, as before, is to be received unofficially.

This will increase the chances of getting a loan on attractive terms. And if you also form a positive credit history through small loans, you will become a welcome client of any bank.

A little secret for those who take targeted loans and who work informally

This is when the bank gives money to:

• home purchase,
• car
• or even a washing machine.

With a large down payment(from 50%) questions to your employment in terms of confirmation, length of service and the like ... there will be much less!

In the case of a washing machine, they may not exist at all. You may even be considered for individual conditions for a mortgage. If, for example, you officially registered at your own unofficial place of work just 1.5-2 months ago specifically to get it.

The terms of a commodity loan allow you to get money in cash without breaking the law.

Although the loan is targeted. To do this, you will need to negotiate with someone who plans to buy large household appliances, an expensive phone, or something else for cash. It is better to negotiate with relatives or friends, as the risk of running into a scammer is great.

All you need is to get a loan in the store and give the same washing machine to those who already planned to buy it.

And everyone is happy:

• you have money and a schedule for their return;
• they have a washing machine and a box of chocolates for getting into position.

A similar service is offered by some brokers, but they charge much more for it than a box of chocolates. There are intermediaries who demand up to 20% of the amount received. There are also those who count on half. But they can already be counted among scammers.

Do not forget that at your own percentage you will be charged:

• Intermediary (aka broker)
• Insurance (there is a high probability of imposing life insurance)
• The store itself, adding the cost of additional services to the loan.

The money turns out to be quite expensive. But a person who urgently needs them is rarely stopped.

If you need a small amount, then you should not bother so much. Any microfinance organization will be happy to loan you. The place of work can be indicated directly unofficial, this will not become an obstacle.

But it is worth noting that such a loan will be significantly more expensive than a bank loan. But the money will be given out immediately.