Loan without pay slip Good Bank for young and old: possibilities and alternatives
It may be more complex for young people to be able to obtain personal loans, or loans aimed at buying a car or even goods of lesser value or value. Given the history of the Italian Post Office, which are still not seen as a company with private participation (compared to the version of many years ago of a wholly state-owned company), one might think that one could ask for postal loans without a pay slip and without guarantor, but even in the case of the Special Cash Postepay Loan, you can’t hope to get what you want if you don’t have guarantees to offer.
True or false: is it possible to get loans without payroll?
The pay slip is not the only form of provable income. What matters is that you have an official certification that certifies your income capacity (payroll or Unico). Furthermore, with respect to banks, Post services does not issue loans directly, but passes, depending on the types through Cream Bank, which are the owners of the preliminary stages and are also the institutions that will pay the sum eventually granted, obtaining a refund by paying the installments.
Therefore the particular nature and corporate composition of Good Bank has no importance from this point of view. As mentioned, even in the case of the Special Cash Postepay you must have a demonstrable income considered acceptable by those who carry out the preliminary investigation, without the possibility of derogating from it, where the pay slip can be replaced by a declaration attesting to the existence of a working relationship that exists from at least one year.
The situation changes if there is a guarantor who has a good income capacity, always demonstrable, which very often represents the only alternative for young people or for those who do not have a certified and accepted income. The placement role of Good Bank also limits the option of access to credit through the offer of securities under guarantee, proposed instead by the other banks (especially those that are born or that give a fundamental role to the aspect of investment bank).
If you have neither a guarantor nor a single or paycheck, then you can see if you have the possibility of accessing the loan on pledge, but not with Good Bank which does not provide this kind of solution. This does not imply that if you are a satisfied Post services account holder you will have to open an account with another bank.
The advantage of the pledged loan lies in the fact that there is no assessment of creditworthiness and income, and that no account must be opened, but the sum obtained, based on the valuation of the pledged asset, takes place through a bank draft or transfer to the bank details communicated to the lender.