Who issues loans for bad payers and protested? At one time these categories of users were heavily penalized about access to credit, but in recent years we have tried to meet the needs of those who have had past financial problems, providing capital especially through the sale of a fifth of the salary for workers employees, or pensioners’ social security allowance: below we offer you a guide to online offers of the best loans to bad payers and protesters, taking into account where possible also to report the offers of loans issued and more generally those open also to self-employed workers and freelancers who cannot access the fifth assignment.
Types of financing for protesters and bad payers
Having a negative report in the end-to-end knowledge company register or in the Protest register means you have strong restrictions on access to credit, but in recent years credit institutions and financial companies have loosened the purse strings by granting financing opportunities to those who have had financial problems precedents, and depending also on the seriousness of the credit situation, there are more or less loan opportunities. In general the types of loans for bad payers and protested provide for these solutions:
- Fifth assignment for public and private employees, pensioners
- Delegation of payment (or double fifth) for employees
- Debt consolidation with salary assignment for employees and pensioners
- Loan with guarantor for autonomous, VAT, unemployed and without payroll
- Loan with bills of exchange virtually granted to each category of subjects
- Loan with real guarantees (home mortgage, pledged credit, alternative annuities)
In this guide dedicated to the best online offers of loans to protesters and bad payers you will find above all offers for salary-backed loans, since this is the type of financing that is most and most easily provided by financing institutions on the market, by virtue of the fact that direct withholding on the pay slip or social security check is a sufficient guarantee against insolvency risk, without the need for a double signature. But as we have seen, this is a financial proposal limited to a few categories of subjects, workers with permanent contracts (only some financers provide the assignment even to fixed-term ones) and pensioners with a minimum income threshold above that survival rate net of the installment: other types of financing such as those with guarantor or the loan are little publicized, and therefore it is advisable to inquire with a financial institution or rely on an expert consultant to find out what financing opportunities are envisaged for those who cannot access naturally to the sale of the fifth.
Thanks to the development of digital technologies, the world of finance has experienced a considerable boost, allowing for easier disbursement of loans and mortgages, thanks to a more streamlined evaluation of time and costs during the preliminary phase: the bad paying and protested loans of Ultranix represents one of the most inviting solutions for workers who can access the fifth assignment, to obtain both a brand new loan and a debt consolidation always through this reimbursement formula, for which the monthly payment is withheld directly on the salary for a amount equal to one fifth of the total. Although it is likely to consider a slight increase in interest rates with regard to those reported in registers such as the end-to-end knowledge company, in general we can say that the costs of the Agos loans are very low, precisely because they operate mainly online, with a fixed TAN in the loans of 4.91 per cent at least until the end of 2018. Specifically for the sale of the fifth, we report instead the concessions agreed for both pensioners through the Social Institute agreement and public and state employees administered through the NoiPA system with the MEF’s Creditreps service, the Ministry of Economy and Finance.
Although there are no specific information on the official website, you can try to request through a brokerage firm whether it is possible to obtain also a loan with guarantor or a loan through bills of exchange, the most easily pursued options for those who do not have a wage guarantee, therefore for all the other categories of users that are not included in public and private employees.
Cleopar loans for protesters and bad payers
Even an institution such as Cleopar opens to the possibility of loans for bad payers and protested by the assignment of the fifth, both for employees and retirees, from 18 to 85 years (at the end of the loan) it is therefore possible to request a transfer of the fifth even in the presence of negative reports in the banking system registers. To take a trivial example about the rates applied to loans, from the online simulations a TAN, which ranges from 5.90 to 10.90 per cent, and an APR from 6.80 to 12.15 per cent, based on the depreciation plan indicated for an employee who requires 20,000 euros having salary income of 1750 euros.
Those who cannot access the fifth assignment could try to request, in addition to any personal loan with guarantor, a credit line known as the MiniCredito Cleopar, which offers a maximum ceiling of 1500 euros which is naturally recharged every time one refunds a fixed rate of 50 or 100 euros per month. In the event that it can also be granted to a bad payer, given the modest amounts that could theoretically meet the requirements of the institution’s risk policies against insolvency risk, we report a table with the costs and expenses related to the Mini Credit Cleopar:
|Mini Credit Amounts||Interest rates||Total expenses|
|Total amount € 1,500.00||Fixed TAN: 16.00%||Monthly installment: € 50 or 100|
|Annual loan available for € 20||APR: max 23.30%||Stamp duty € 16.00|
|Charges for sending periodic communications € 1.00 on paper – free online|
|Where applicable, stamp duty on periodic communication € 2.00|
Loans to bad payers Financialor
With loans to bad payers and protesters Financialor agrees to disburse a capital through the sale of the fifth Quintocè or a consolidation of debts with Uno transfer also to those who had financial problems in the recent past, having the opportunity to request and simulate the installment amortization through the instruments made available online by the financial company. In particular, we want to focus our attention on debt consolidation, a tool that allows us to consolidate all past debts in a single monthly installment of more sustainable amortization by extending the repayment period, having the opportunity to receive additional liquidity: for example those who have a residual debt of 3,000 euros by paying an installment of 220 euros, with a Uno loan through the sale of the fifth can get € 10,000, with an additional liquidity of € 7,000, paying a monthly amortization of € 196.41, with fixed TAN 8.90% and an APR of 10.49% for a repayment period of 65 months. The total amount to be returned will therefore be 12,993.65 euros, including 100 euros of preliminary investigation costs.
Astrofinance, what funding for protesters and bad payers?
Among the financial companies that mostly operate online is Astrofinance, thanks to an efficient and secure system that allows you to accompany the user on the Net at every stage of the loan, from sending the application to signing the contract by digital signature. Periodically Astrofinance offers financing offers at advantageous conditions, which can also be evaluated for employees and pensioners registered in the register of bad payers by using the instrument of the sale of the fifth: this time in the context of the loan to bad payers and protesters we focus our attention on pensioners, who can count on special benefits reserved for Social Institute pensioners, including former Inpdap and former Enpals. The speed of delivery is guaranteed thanks to the simplified preliminary inquiry and management process with immediate transfer of the transferable quota, online notification and online approval acquisition. This simplified procedure is also ensured in the event of the renewal of the fifth sale transaction.
An example of a sale offer for the fifth Astrofinance for pensioners valid until November 25, 2018 shows a plan in 120 monthly installments on a loan of 13,000 euros, with TANs and APRs fixed at 5.33 and 5.46 per cent respectively, paying an installment of 140 euros, for a total owed of 16,800 euros. We remind you that Astrofinance basically provides for a reduction in costs related to financing, in particular:
- Zero brokerage fees and practical management
- Zero stamp duty for periodic communications
- Zero practical preliminary commission
- Zero stamp / replacement tax
that make this financial company one of the most attractive for the variety of offers and conditions proposed, even for those who have been reported to the end-to-end knowledge company.
RTI Bank offers for the reported
Another financing solution is the loans to bad payers and IBL protestors through which one can request the assignment of the fifth also in the form of a delegation of payment, ie the double fifth of the salary reserved only for employees authorized by their employer. The features of the IBL loan are:
- Monthly installment cannot exceed two-fifths of the salary
- Amortization plan between 24 and 120 months
- Insurance coverage against life risk and employment risk through an insurance company affiliated with IBL
- Possibility of early renewal of the loan by recovering the interest not accrued
- Delivery methods by check or bank transfer
This loan can also be granted to those who have had financial problems as long as they have a sufficient paycheck since the total withholding is equal to 40 per cent of the net salary. Regarding the sale of the normal fifth, Dater Credit allows you to have a fixed TAN from 4.45 to 5.25 per cent, depending on the required capital, and a fixed APR from 4.72 per cent to 6.14 per cent, therefore being extremely convenient.
Loans for protesters and bad payers Postal service Italy
Analyzing Postal service Italy’s proposals as a loan for bad payers and protesters, we have the Fostal Bank for public employees and pensioners: we report a promotion valid until November 30, 2018 as an example for employees: with a net monthly salary of 1,300 euros you can get a net loan of 22,518.36 euros without additional expenses, with a fixed TAN of 6% and an APR of 6.17%, having a monthly repayment installment retained on the envelope pay of 250 euros for 120 months, arriving at the end of repayment to repay a total amount of 30,000 euros, with interest equal to 7,481.64 euros in addition to the disbursed capital.
For other possibilities of personal loan or Fostal Bank Mini Loan intended for holders of a Postepay Evolution Card, it is advisable to inquire at any post office located in the area about the actual possibility of access even to protesters and bad payers.
Onecredit for bad payers and protesters
What does a credit institution like Onecredit propose for bad payers and protesters ? The sale of the fifth reserved for employees presents slight differences for the public or private sector: for the former the maximum disbursable capital is 72,000 euros, while for private individuals the maximum amount payable drops to 47,000 euros. Interesting is the Onecredit proposal of credit on pawn, which can therefore also be requested by other categories excluded from the assignment of the fifth, using a real guarantee as a valuable asset to be committed to obtain a capital. In this type of financing, appraisals are carried out about the value of the asset after bringing the object to be pledged, and then the money estimate is paid, and no further bureaucratic requirements are required in the preliminary phase.
Fincance: sale of the fifth and loan delegation
Among the loans to bad payers and protested paid online the proposal of Fincance is characterized by very convenient interest rates in favor of employees who require the assignment of the fifth and delegation of payment, with TAN at 3.95 percent, having the possibility to request up to 75,000 euros. We remind you, however, that there are limitations especially with regard to employees of private companies that require the delegation of payment or double fifth of the salary, for which it is necessary to have an adequate severance pay and a corresponding seniority deemed sufficient to access the loan. Furthermore, it should not be forgotten that, unlike the normal fifth sale, the payment delegation requires the authorization of the employer to proceed.
With Financemm, you can also obtain loans with exchange notes
Those who cannot access the fifth assignment can try to apply for loans with bills of exchange to financial companies such as Financemm, a financial intermediary that aims to help the client find the most suitable financial solution, so even protesters and bad payers can turn to that company to find together the best possible financing solution. Once the online funding application has been made, a consultant is called to evaluate the offers that are convenient and practicable depending on one’s financial situation, and possibly even schedule an appointment at home. Not only loans with bills, but also assignment of the fifth and delegation of payment can be evaluated for those who have had financial problems through Financemm.
Small loan changed with CreditPose
Another loan offer with bills comes from CreditPose, which offers a small loan to protesters and bad payers in order to obtain a figure between 2,000 and 5,000 euros to be repaid over a period of amortization that can reach a maximum of 36 months, while the minimum amortization is 3 months. The loan is payable to employees and retirees aged between 18 and 75, while they are exclusive self-employed workers, temporary or temporary contract employees, supplementary employees, freelancers, and even pensioners who only receive a disability check or check social.
On the Net it is possible to find numerous proposals for loans for protesters and bad payers : for example, Dynotell also offers loans with bills, but mainly assignment of the fifth proposing loans to protesters and bad payers with these characteristics:
- Amounts from 2,500 to 50,000 euros
- Installment at fixed interest rate
- Possibility to pay an advance within 24 hours
- No additional costs
Cession of the fifth with Dunkin Tally
Dunkin Tally offers fast loans to protested, reported in foreclosures, with the possibility of requesting the lowest possible installment and an advance deposit: like all online companies, the estimate is requested via the web and the application can be made or the visit received of a home consultant for all the information on the matter and to find together the most suitable financial solution for your specific case.
With Metalcrest you can also get debt consolidation
Not only the sale of the fifth but also a consolidation of debts for the foreclosed parties with the same reimbursement formula through direct deduction of the salary installment, so as to eliminate the attachment and also obtain new liquidity: it is the strength of the Metalcrest proposal, also agreed to apply for the loan
For those interested in obtaining direct advice, local offices are present at:
Fast online loans with Setrem
Setrem Bank also prepares a series of loans designed for those who have had negative reports in the registers such as the end-to-end knowledge company, with the assignment of the fifth, delegation of payment for employees and debt consolidation. For more information, you can also contact the institute directly via chat support, and find out what effective funding options are for your individual case.
Cession of the fifth to protesters and bad payers with Creditsode
Another loan opportunity for protesters and bad payers is Creditsode, which offers the sale of the fifth online with a APR which can reach a maximum of 18.76 per cent, while the minimum is 5 per cent: to assess the extent of financing costs, we assume for example the situation of a pensioner who wants to get € 15,000 in 120 repayment installments. In this case the monthly repayment installment will have an amount of 176, 79 euros with a TAN of 6.13 per cent, and the APR at 7.59 per cent, and the amount to be repaid at the end of depreciation will be a total of 21.214, 80 euros.
Funded to protest with Presconti
Considering the difficulty in finding access to finance, the online protest loans offered by Presconti are an attractive opportunity, with rather affordable interest rates considering the criticality of those who are registered in the Protest Register. On the home page of the intermediary company you will immediately find the form to apply for a free quote: just as an example we report a fifth assignment for a forty year old with 16 years of seniority, who paying an installment of 300 euros in 120 months including management fees and 2 insurance policies on employment risk and early death, could get over 27,000 euros with TAN 5.527 percent and APR 5.980 percent. In general, the APR on the proposed loans, ie the Annual Global Effective Rate including all costs to be borne by the customer, varies according to the characteristics of the applicant, and can be up to a maximum of 19.2 per cent up to € 5,000, and 17.48 percent over 5,000 euros.
Finimprest offers fast loans to bad payers
It is all about speed related to online loans to Finimprest bad payers, which meets the needs of employees and retirees who need immediate liquidity by proposing a salary assignment, also included in its double fifth or payment delegation formula, for exclusive use of employees. The proposed funding for bad payers they provide the insurance obligation against life and employment risks, and present these peculiar characteristics:
- Reserved for state, public, private and retired employees
- Fixed rate for the entire amortization period
- Repayment times from 24 to 120 months
- No proof of expenditure
- Evaluable even in the presence of protests and foreclosures
- Also available with other loans in progress
- Early repayment with a penalty equal to 1 percent on the residual debt
Loans with bills of exchange from Xeta
In addition to the assignment of the fifth and delegation of payment, Xeta proposes loans with bills of exchange to meet the needs of protesters and bad payers, even without pay, but having a property at their disposal. In these Xeta online loans the mortgage on the building to guarantee the loan is not always required, but only in the case of certain very high financed amounts, or in the presence of particularly delicate situations from a financial point of view. In any case, both for a loan with bills of exchange without mortgages or mortgages, the required documentation provides for the assessment of the property through the deed of origin, ie the deed, and the cadastral plan of the dwelling.
By filling in the online request you can get all the information you want and the free estimate about interest rates and financing costs for a loan with bills.
Beware of scams
We have therefore seen in this overview of offers some of the innumerable financing proposals for protesters and bad payers that can be found on the web: we want to emphasize the importance of caution when signing an immediate online loan since the risk of finding yourself scammed is always lurking. The suggestion is to always rely on financial companies and credit institutions that have a recognized reputation, or who have had as their customers people you know and who have enjoyed themselves. In particular, we must be wary of offers that appear to be too cheap, with very low interest rates and few or even no guarantees required during the preliminary investigation phase: when you have water in your throat, you can be easily duped, so beware to proposals that do not appear convincing or too easy. Loans for bad payers and protesters have precise rules related to risk policies, so the easier it is to obtain credit, the greater the risk of incurring a scam, in opaque financing proposals from which it is better to stay away.