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Loans for the unemployed without documented income
For many people, losing a job can be a greater or lesser personal tragedy. While it is possible to exist without permanent employment for some time if you have some savings, an empty account creates an almost automatic feeling of threat. Lack of financial liquidity is often synonymous with increasing financial arrears. Unpaid bills, delays in repayment of loan installments and other liabilities - all this causes... The life of an unemployed person becomes more and more stressful every day. Self-confidence is also not increased by the fact that the lack of a permanent job almost automatically excludes the possibility of applying for a loan or a bank loan. If your employer terminated your contract overnight, you fell victim to company restructuring or lost your job for other reasons, you can apply for support in the non-banking sector. There are many companies that provide online loans to the unemployed - only for ID cards.
Who is an unemployed person and can he get a loan?
According to the Central Statistical Office, at the beginning of 2019, just over one million people were unemployed in our country, i.e. 6% of all adult Poles. Of course, we are only talking about people registered in district labor offices. From the banks' point of view, this means that over a million adult Poles have no chance of receiving any loan or credit due to the lack of permanent employment. It is therefore not surprising that a niche has emerged in the non-banking sector, which in many cases does not require its clients to provide proof of employment or documented income from the employment relationship.
Verification by BIK covers the full spectrum of financial products. In addition to non-bank loans, entries may concern, among others: credit and debit cards, loans for which you are a guarantor, limits on bank accounts and all types of cash, mortgage, revolving or student loans. Importantly, the office collects both negative and positive data regarding your liabilities.
- is over 18 years old
- does not perform any paid work, despite the ability and willingness to do so
- does not study at a vocational, secondary or higher school
- is registered at the employment office appropriate to the place of residence.
Loan without employment – is it possible?
One of the basic elements of the loan process is documentation of permanent income. Unfortunately, the unemployed cannot provide proof of employment or earnings, which is often the reason for refusing to grant them a loan. So what should a person who doesn't work and wants to arrange money for current expenses or repay arrears do? Apply for a non-bank loan from one of many loan companies. Entities of this type provide financing to unemployed people by lending in installments. Moreover, these types of financial products are widely available to everyone, without leaving home. This is because most non-bank institutions allow you to take out a loan completely online. The entire procedure for granting money without documented income may take only a few minutes. It takes place online, so if you want to borrow cash in this way, you do not have to go to a stationary branch of the company. All you need is an ID card, a computer with Internet access, a smartphone or a tablet to receive a credit decision in a few minutes. The time saved in this way should be used for much more enjoyable things than trips to loan companies.
Loan with ID card – what does creditworthiness verification look like?
Unlike classic payday loans, non-bank loans without BIK or installment loans, financial products addressed to unemployed people may be slightly more difficult to obtain. However, getting such a loan is not impossible. The best situation is for the unemployed who, despite the lack of permanent employment, receive other income, e.g. allowances, pensions, alimony or other benefits. For the entity providing financing, regular monthly inflows to the account guarantee repayment of the debt. This proves that financing without permanent employment is relatively easy to obtain, but without regular, documented income, obtaining it will most often involve additional requirements for the borrower.
Loan with ID card for an unemployed person – standard requirements
The detailed conditions under which individual financial institutions grant loans to people without permanent employment may, of course, differ from each other, but as a rule, regardless of the loan company, a person applying for a payday loan as proof of unemployment should meet the following criteria:
- minimum age: 18-22 years (not all entities serve customers from the age of 18)
- having a valid ID card
- an open savings and checking account (account) in any bank
- creditworthiness and stable monthly income (benefits, pensions, alimony, occasional work)
- mobile phone with an active number
- Polish citizenship and permanent address in the territory of the Republic of Poland.
As you can see, the list of criteria for unemployed people is not very difficult to meet. It's hard to imagine an adult today who doesn't use a telephone, the Internet or a bank account. If you add income from sources other than work, which you can document, the path to obtaining an online ID card loan becomes really simple. You don't even need to have the Internet - you can complete all formalities at the nearest branch of a financial institution.
Non-bank loans for people with a bailiff
While the financial situation of an unemployed person in the context of a chance to receive a payday loan is difficult, but not hopeless, people who have been unemployed for a long time and whose bank account has been seized by a bailiff will have to meet several additional conditions to receive such a product. First of all, most lending companies will require appropriate security for the repayment of such an obligation. If you have a car or other asset that the bailiff has not seized, you can use it to secure your loan. In many cases, you will need the help of another person - a guarantor, who will also take responsibility for the loan you received. You must take into account that the person who will guarantee your payday loan will be checked in BIK, BIG, KRD or other registers. If her credit history is assessed negatively, she will probably not be able to become a guarantor. An opportunity to increase your creditworthiness may be benefits such as 500+, alimony or other benefits that the bailiff has no right to seize.
Payday loans as ID without income – how does it work?
It will be much easier for unemployed people to obtain a payday loan than a non-bank loan for a larger number of installments. This is primarily due to the nature of individual financial products. A payday loan is most often a short-term loan, granted in the amount from several hundred to a maximum of several thousand zlotys. The final amount of financing provided by a non-bank company depends on your creditworthiness. Such amounts are usually loaned for a month or two at most. An installment loan allows you to receive more money - up to several dozen thousand to be repaid in fixed monthly installments. However, not every unemployed person will receive such cash. Much depends on the amount of documented inflows into the account and whether they are transferred to the bank account regularly.
Loan ranking for the unemployed – choose the best online offer
The market for non-bank products addressed to people without permanent employment is systematically growing. Other institutions are becoming interested in this form of financing, granting payday loans with ID cards, online loans or offering cash without BIK or KRD certificates. However, you should be aware of the fact that even despite such a wide range of available products, receiving money without any documented source of income may prove to be very difficult. The advantage of online loans is certainly their easy availability and the ability to compare individual offers thanks to appropriate, free tools, such as loan ranking. So if your current boss decided to terminate your contract or you left your job of your own free will, do not despair, just check out the available offers of payday loans for the unemployed with an ID card.
- How to find the best loan offer without documented income?
On our website you can find basic information about installment loans for the unemployed. Each company has different requirements and conditions for granting payday loans without documented income. - Can any unemployed person apply for a payday loan?
Typically, entities offering loans without documented income accept applications from all clients, regardless of whether they have a permanent job or are temporarily unemployed. A payday loan is a product for every person in a difficult financial situation. - What documents should be sent to the loan company?
Just provide your details, number and series of ID card, indicate the amount needed and the repayment period. There is no need to provide proof of income. - Where to complete the necessary formalities?
Currently, an installment loan for the unemployed can be arranged online, without leaving home. As a result, the availability of payday loans has significantly increased and can be used by customers who have unexpected difficulties in repaying other liabilities. - Does the lending company check customers in debtor databases?
In companies listed on the website, you can get a loan without documented income and without verification in BIK, BIG, ERIF and KRD. It is worth reviewing all the information we provide and comparing individual proposals.
Need additional information?
Take advantage of contact form or arrange a telephone conversation. Our consultant will advise you on the best solution.
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