Loans without guarantees: is it possible to obtain them?


Can I get loans without guarantees ? Or without having a pay slip or a proven income, or without something (a real estate) or someone (a guarantor) that protects the funding body? Very difficult but maybe not impossible.

Usually when a loan is requested from a bank or a financial company, the appropriate guarantees must be presented: payroll, pension or a demonstrable income. In the absence of these requirements, the matter is already starting to get quite complicated, and it becomes almost impractical if you don’t even have any other income or if no person.

Usually a close relative, can guarantee with his assets in case of insolvency of the applicant.

 However, there are a couple of possibilities for obtaining loans without guarantees . The first contemplates the so-called loan of honor , a particular form of financing designed almost exclusively for secondary school or university students, preferably deserving, who do not have the economic means necessary to complete a valid course of study. In general, honorary loans are granted by institutions affiliated with individual schools or universities without the need for any guarantee and in very favorable conditions (flexible installments, minimum rates, etc.).

There are the loans guaranteed by public bodies , which fall within the sphere of microcredit 

It is almost always European or Italian funds made available to certain sections of the population considered to be not weaker (young people, women, unemployed, resident in economically depressed areas and so on) to finance valid business projects. Just like the loans of honor, even the loans guaranteed by the institutions do not require any guarantee from the applicants (which, moreover, given their uncomfortable condition, could hardly present one) and implement a facilitated credit line . Indeed, in many cases they are even lost , in whole or in part.

Loan estimate of 10000 euros

Loan estimate of 10000 euros


Financial: Simple Loan
Product: Personal Loan
TAN Fixed: 4.25%
APR: 4.44%
Loan duration: 60 months
Amount Financed: € 10,000
Total due: € 11.117

Monthly installment € 185 , 28 Feasibility check 

Financial: Logos
Product: Personal Loan
TAN Fixed: 5.16%
APR: 6.70%
Loan duration: 60 months
Amount Financed: € 10.146
Total due: € 11.735

Monthly installment € 193 , 19 Feasibility check 

Financial: Find Loan
Product: “Your Projects” Credit
TAN Fixed: 6.01%
APR: 6.18%
Loan duration: 60 months
Amount Financed: € 10,000
Total due: € 11.602


Compare offers

money loan

Discover the latest financial offers, compare loans online and request the financing that best suits your needs.

  • Personal loans

    Compare 15 financial loans estimate 

  • Car financing

    Save up to € 1,000 Car loan estimates 

  • Employee loans

    Request up to € 60,000 Request for assignment of the fifth 


Leave Comment

Your email address will not be published. Required fields are marked *