When you have an activity as a freelancer it can be difficult to get access to credit, as most lenders consider the paycheck as a reference point for solvency. This is a difficult but not impossible goal, as payday loans with VAT are available.
Loans to those who have a VAT number: what are the alternatives?
Those who are looking for solutions related to payday loans with VAT number can consider various types of products, among which the promised loans stand out. These loans, which do not require the presentation of an expense voucher, are characterized by the obligation to sign bills.
Bills of exchange are executive securities with a forced nature, which are characterized by the possibility of a conversion into cash. Their forced nature allows the institution that issued them to intervene by retaliating against the customer’s assets in the event of insolvency.
Loans changed: what is needed to request them
Loans changed, excellent alternatives when it comes to payday loans with VAT, can also be requested without presenting the paycheck. However, credit institutions and financial companies ask for another type of guarantee which, in the case of freelancers, takes the form of the presentation of a life insurance policy, which must have been active for at least two years.
This is undoubtedly a comfortable solution, which however has a counter linked to the rate. The interest, in fact, is higher than that of the cash loans since the promissory notes, accessible without the need for a paycheck and also in the event of credit problems with registration with the Crif, are considered products at risk.
Loan with guarantor: a solution for those who have a VAT number
Payday loans with VAT number can be requested by resorting to the guarantor solution. If you have a relative or friend with a fixed paycheck willing to present yourself as guarantor, a large part of the route is already done. What matters is the attention to some rules, for example to the fact that the intervention of the guarantor is of an extraordinary nature, unlike what happens with the co-obligation.
Pawn loan: how does it work?
The last solution that we take into consideration regarding payday loans with VAT number is the credit on pledge. In this case the only guarantee is the good that the customer decides to commit and that is evaluated by an expert. On the basis of his opinion, the requested amount is then disbursed.
Once the payment of the installments has been completed, the customer has the opportunity to redeem the asset, upon presentation of a bearer policy which is delivered at the time of signing the loan contract.
The lien on credit, which is made available by entities such as Unicredit, also provides for the payment of custodial costs.