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Loan Without Payroll: Opinions and Reviews


Do you have a paycheck and need a loan? Do you think it’s impossible? Perhaps there is hope for you, let’s see together what to do to get a loan even if you can’t guarantee a paycheck.

In our guide today we go to see how the free loan works : we will illustrate the limits and the advantages and the different alternatives that the group allows to have and also how to request a quote for not having surprises at the end.

Personal loan without a paycheck

Personal loan

If you need a personal loan, here are the requirements you need to get it: the group allows its customers to choose from a wide range of loans that can be adapted to every need.

The first option addressed to individuals without payroll is to simply present to the bank the last tax return through which it will assess whether or not to grant the loan.

With the tax return, it is also possible to have a trace of how much the amount of the monthly payment that can be sustained will be. It is also possible to understand the maximum amount that can be requested based on the economic solidity and the duration of the chosen installments.

Another option that makes available to individuals without a pay slip is the loan request through a guarantor, who must be able to act as a guarantee and, by signing a contract, will undertake to pay the installments not reimbursed by the applicant.

However, the guarantor will have to have a paycheck and it works a bit like insurance.

A final way to get a loan without a pay slip is to give a guarantee through the mortgage of a property. A homeowner can work as a guarantee for a loan without a paycheck.

In the event that you are unable to pay the installments, the bank will be able to take possession of the property and beat it at auction to obtain the sum necessary for repayment.

Estimate without payroll

If you need a loan without a pay slip, we advise you to request a quote first. Through the estimate, you will be able to know and understand all the different characteristics of the loan, without binding yourself in any way.

To calculate the monthly payment, all you have to do is connect to the official Agos website and click on the area of ​​personal loans where you can make a budget for loans even without pay.

Simply enter the amount you need and the number of installments you wish to repay. The estimate may vary based on the change in rates. Furthermore each case is different and for this reason the rate can vary and be evaluated differently.

With the online quote you can get an idea of ​​the amount of the expense and the cost of the monthly installments. Thanks to the budget, it will also be possible to focus on the duration of the loan. For an Agos loan without a pay slip of 10,000 euros, generally the repayment term is between 12 and 120 months.

Let’s start by saying that the more months the loan is repaid, the more the monthly installment goes down, but consequently the interest payable increases. For this reason, we advise you to evaluate the payment period well to avoid wasting too much money on interest.

Options from 48 up to 60 months generally have installments of around 250 euros or less and have fairly advantageous interest rates. To fully understand all the characteristics of a loan without a pay slip with Agos, we recommend requesting an appointment from a representative.

Documents to get the loan

To obtain the loan without a pay slip it is necessary to provide:

  • An identity document;
  • The pension slip or the last tax return.

There is no need to provide other documents initially, Agos will take care of the other operations.

How long to get the loan?


Generally, it takes no more than 48 hours to apply for a loan online to get the money directly into the account, but since it is a special case (without pay), it is not always possible to get the loan so quickly.

Therefore, if a loan is requested at the branch with an Agos representative, the person in charge will directly indicate the waiting time for the loan.

Interest for the loan

Interest for the loan

Both with the online quote and for the budget made in the branch, you can see the interests then the TAN and the APR. The TAN is the interest rate, the APR instead is the synthetic index of the total cost of the loan, or the cost of the commissions to be paid for the request.

In order not to have any surprises or problems at the end, we advise you to check the TAN and the APR to get the cheapest and lowest rates in the loan application.