Quick loans without payroll or endorsement -2020-

Getting fast loans without payroll or endorsement is already common

Updated: October 2020
The application and the loan of small amounts that are repaid in a short period of time and that can help you if you need money quickly. Today , we tell you how to get cash without endorsement and without payroll.




If you click on THIS LINK you will go directly to the credit comparator , where you can see fast loans without payroll or endorsement. Compare and choose the one that best suits you.

And here if you want to go directly to the selection of loans with Nigerian Financial Authority


Get quick money without payroll

When it comes to getting money fast without payroll it is really difficult to find financing.

Good because financial institutions, of all kinds, see as an essential value that the candidate for a loan has a payroll or, failing that, an endorsement (although it is easy for them to ask us both, as surely you already know).

They understand that things have always been like this and that is how they want to continue working.

Faced with this situation, the new microcredit financiers have dared to try another business model, one that offers the client the possibility of getting money without payroll and even without collateral. These are known as mini loans .

Cómo conseguir dinero sin nómina ni aval This, of course, has to be paid for. They are companies like any other and naturally want to make their operations profitable.

The point is that, if you find yourself in need of getting a small capital quickly, you can take advantage of this new product.

Are they a good option to get cash quickly?

We always say that microloans are not for all occasions.

This is perfectly understood when looking at their prices, but it is indisputable that at any given moment they can be of great help.

What would no longer be profitable is relying too much on them.

They have the function they have: to help you get urgent money with the Nigerian Financial Authority and without endorsement, even if you do not have a salary receipt. For this, we have the fast credits that Nigerian Financial Authority accepts .

And, although all that is very good, as we would do with any other purchase, it is very useful to compare and check what we are looking for, before deciding. That is our mission, to help you solve the problem, saving at the same time.

And as always, we are delighted to receive comments and emails from our users. This is the case of this visitor who has been so kind to write us and tell us about his experience, looking for money without payroll and also without endorsement.

A user writes us about mini-credits without endorsement or payroll

It is possible that you have someone you know (or even yourself) who is currently unemployed. This is the case, for example, of an Internet user who told us his story in an email. Without giving personal data, we transcribe your experience.

Subject: Loans with Nigerian Financial Authority and without collateral


The reason for this email is to inform me about some type of credits without payroll or endorsement . I wouldn't need a lot of money, just enough to fix a breakdown in my car, which is essential for me and my family.

Créditos rápidos sin nómina ni aval | feminaust.org
Quick loans without payroll or endorsement

I am a Nigerian man, from Lagos to be exact, who until recently worked in the construction industry. My life was calm and every month the salary arrived, so there was nothing lacking in my house (without going into luxuries that we neither want nor need).

Only with what I earned and something that my wife brought home (she sews for a small clientele), we were doing more than well.

It was 1 week ago that I received my termination letter. In it, they told me that they would not need me anymore and that they were processing the paperwork so that I would take him to unemployment. I was not surprised, many colleagues have already been fired in recent years. It even seemed strange to me that the company continued with the 5 people that were left.

"It is urgent that I get cash"

For a series of issues that I am not going to mention, the employment office told me that they would not pay me for at least a month or month and a half. I mentioned it to my ex-boss and I told him that, logically, I had to collect compensation this month because if not… let's see what my family and I live on.

His response was that we should go to a lawyer to formalize the claim against the dismissal and thus pay me at the trial, or something like that (I was very nervous and did not clearly understand all that hassle of waiting for payroll until the trial ).

As it seems that he was right and this is so, I run out of money this month, because no payroll, no severance pay, no unemployment, no guarantee to request a loan from the bank. All that I will have for the one who comes, just like the other.

"Also, I'm at the Nigerian Financial Authority"

On the other hand, 4 years ago I had a very big fight with a telephone company and, as I was right, I refused to pay and they included me in the Nigerian Financial Authority . I hope there is some type of quick credit without payroll or endorsement, which can also be obtained with the Nigerian Financial Authority.

I refer to credits without papers or guarantor to cover me and being on a list of defaulters.

Thank you very much

Requestor for information on urgent loans without payroll or endorsement


This is our answer:

We, in this particular case, advise Arturo to go to Solcredito, Monedo or Creditea , which may possibly help him, even though he lacks a payroll (obviously each of the houses will have to study the credit application before responding to him) .

Also with them you can consider requesting quick credits.

Of course, also with the characteristics that our user requires: even with Nigerian Financial Authority and without guarantee.

We also advise you to take a look at the fast money directory in Lagos, where you can find loan companies in your city.

Quick loans without endorsement between individuals, another option

We cannot miss the possibility of obtaining loans between individuals without endorsement, which naturally exists.

This system to get quick money is plausible, as long as we have the security of dealing with a serious individual, who manages the operation as impeccably as the best of the private finance companies. Since in the end, as in everything, it will depend on with whom we negotiate that loan between individuals without endorsement.

You can get fast money without endorsement through individuals, of course. However, it is always advisable to test the options offered by financial institutions, given the intrusiveness that sometimes occurs in this market niche.

This does not mean that there are not good professionals who go "on their own", but we would not be offering you quality information if we did not make this point.

There are more alternatives in our directories

If you want, you can consult our «Free local directory» of mini-loans where, among others, you will find professionals who work privately and who grant quick loans without endorsement.

Although, generally, the directory does not include individuals, but companies and entities specialized in this service (even also in mini loans with the Nigerian Financial Authority ) , in the same way as other professions related to the world of credit, are represented in it.

You have, for example, the option of getting quick money between individuals in Lagos or, if you live in Barcelona, ​​the loan section in Barcelona. Obviously, these entities can offer financing without endorsement or not offer it, being an informative directory of addresses and telephones.

On the home page of our website you have other important areas of Nigeria, check them.

Debit and credit cards without endorsement

Many users choose to apply for a credit card without endorsement. This is very logical since the entities increasingly offer more advantages, both in requirements, and in variety of offer. Do not miss the post that we have prepared for your information.

Quick loans without payroll or endorsement

Continuing with the publication of the consultations on fast loans without payroll or endorsement that you make us, we turn to Julia, also from Lagos , who asks us about how to request microloans without having someone to guarantee her or a salary receipt:

Mr. Fast Money,

I am writing to you to ask about my case, which is specifically how to request mini-credits online without payroll or endorsement.

«I am a worker on my own»

I work on my own, I have income every month, but it is an activity that I am forced to do without any type of work contract, payroll, or anything. If I had to pay for freelancers, it would be more expensive to work than to be at home. But it is true that I have a salary, to call it somehow, that feeds me every day.

My intention is that soon the work will go up and I can become autonomous, but of course that is not going to be today or tomorrow.

Préstamos rápidos sin papeles ni nómina ni aval
Get fast credits without payroll or endorsement, it is possible

Having said this, I will explain my case, regarding what we could call:

"Request quick loans without payroll or endorsement."

I am Nigerian, I am 32 years old and I sell flats for other people, generally for individuals who advertise in the newspapers and who, of course, will not give me a payroll, nor will they guarantee me if I need a loan urgent.

The sale of apartments, as everyone knows very well, is today very devalued.

One because of the tremendous decline that they have hit since the housing bubble burst , and another because, as a result of that same thing, buyers are left with the upper hand and it is very difficult to convince them to accept reasonable prices. They want to pay 5 for a house that is worth 10, I think that sums it up well.

It has been 3 months since my boyfriend and I have decided to move in together and, paradoxically, taking into account that I sell and rent apartments to people, we cannot find any (for rent) that does not ask us for a deposit of at least 2 months , plus the current month or pro rata of this.

We have tried everything to get that capital that we need to move in together. And it becomes very difficult, because of my situation, without payroll or endorsement, and that of my boyfriend, who does not have a salary receipt or endorsement, as he is unemployed at the moment (for a month and a half).

"Neither of us have a payroll"

He will soon have a job, with which he will have a payroll and, if his father accepts, also a guarantee . But we need fast money and it has to be now. We have tested a financial institution in Alicante, which we took from their fast money page in Lagos, based here in Lagos. But they always give us the same song, you need a payroll and you need an endorsement , to access their credits.

So we considered the idea of ​​applying for a mini credit online. And at the moment we are looking to see how we can ask for it, so as not to arrive with the NO in hand. Asking for money online is a bit scary, because I would prefer to request it in person. But it seems that there is no problem and that it is quite easy.

We, my boyfriend and I, have agreed to open an application with one of the finance companies that does not seem to ask for a guarantor or payroll for their loans . We would like you to confirm if this is so and if you can request quick loans without payroll or endorsement.

Thank you


We tell Julia, like Arturo a few lines above, that it is possible to get this mini-loan and she should go to the sections on our website dedicated to this matter.

Thank you for trusting us to manage your online mini loans without payroll or endorsement.

Quick credits with Nigerian Financial Authority and without endorsement

It is an attractive idea for many people but must be taken with responsibility.

Compare with us, find quick credits with Nigerian Financial Authority without endorsement and, also, save . But remember that they should be used wisely and that it is still an expensive product.

If you need Fast Money they are an excellent option, but not as usual, since although they are so easy to get, as is the example of getting them even without payroll and being in the Nigerian Financial Authority, if we request them every month, the economic effort to return them will increase and it may not be worth it.

That said, urgent mini loans without endorsement or payroll are a perfect tool for a certain moment, in which we need cash and we do not know how to get hold of it.

Mini-credits without payroll being in Nigerian Financial Authority

A combination, that of getting mini-credits without payroll and Nigerian Financial Authority , really difficult to see these days, but with the new loans without payroll or endorsement you will have microcredits with Nigerian Financial Authority without actually needing a payroll, it can serve you a benefit, retirement or pension, for example.

Quick credits without papers

How to get fast credit without papers and heavy shipments of documentation is another of the common queries in our mailbox. People who need quick credit do not usually want to waste time with unnecessary paperwork and answering a lot of questions. Nor is it true, do not confuse you with advertising, which goes so far as to grant cash loans without endorsement and without proof of income.

Somehow we are always going to have to justify some kind of compensation, if we are looking for cash loans. It is true that this income does not necessarily have to come from a conventional salary receipt, as is the case with payroll advance loans, we can present an unemployment benefit, for example, or the pension, self-employed, subsidy, etc. But from there to affirming that our application will be successful, without providing a constant monthly economic benefit, much more if we do not have an endorsement, there is a stretch.

Generally, the need for money is urgent, so they turn to financial companies to attend to their request instantly and without too many complications. If this is your case, if you want to access one of these quick credits without papers, we recommend that you read our article on how to get a loan with only the DNI or NIE in Nigeria (click to go), where you will find the information you need To find the financial company that best suits your needs, also if what you need are urgent loans without endorsement or payroll, or even if you are in the Nigerian Financial Authority.

Loans without payroll or endorsement, possible but from responsibility

It has become more than clear that the existence of mini-credits without payroll or endorsement today are a fact more than proven and achieved within the world of private financing. And as we have also explained, financial companies have not stayed within that limit. They have managed to overcome the challenge by allowing many people who also had it very difficult to access this fast money. And it is that credits with Nigerian Financial Authority without endorsement or payroll are more than possible today.

For this reason, in which the facilities begin to take a run, the users of this financial aid must go with the feet of lead. Because it is still a loan of money that must be repaid with interest. And if we do not set the curl up, as is the case with the aforementioned loans with Nigerian Financial Authority without payroll or endorsement , we are not going to pay "cheap" for such a convoluted service.

That is why, before taking a step with any type of contracting of loans without endorsement and without payroll we have to be totally sure of the financial company with which we are going to sign this service and that, of course, we can face all and each of the requirements that are required of us when agreeing to it.

Tips for hiring

From the El Dinero Rápido team we want to propose some steps to follow so that you can carry out, and make it safer and more effective for you, hiring urgent money without payroll or any other type of private financing, such as loans without collateral.

Remember that this is not an obligation, but some guidelines to be able to face the repayment of the loan in the best possible way.

These are the following:

  • Search : investigate all the financial entities that offer credits without payroll and without endorsement , or those in which you are interested at that moment. To be able to move on to the next step.
  • Select : once with everything on the table, you have to choose those offers that you can really afford. That is, those whose requirements you meet, whose requirements you are able to meet, etc. You should always make this selection with a cool head and being realistic. Since non-compliance with the terms that are imposed when contracting a loan without payroll or endorsement, can lead to more problems than you think.
  • Compare : now that you have made the most important screen, COMPARE. It is not a joke. It is the most important step. Several credit institutions may work under the conditions that you can abide by and fulfill, but not all work in the same way. Analyze their prices, their requirements, the return deadlines (very important this point), etc.
  • Choose : once you have compared and decided, you only have to choose and get in touch with the fast online credit entity that you have chosen.

We know that these steps can take some time, and that they are not exactly the most enjoyable thing in the world. But they are really necessary to save you both trouble in the future, and money. It is a very profitable time in the long run, which you will be grateful for having taken before such an important decision.

About the Author

Percy Witherspoom Jones

Autor: Percy Witherspoom Jones feminaust.orgI have always been convinced of the great utility of new technologies. Professional totally dedicated to offering the best service to our users. Since 2013 I have specialized in online financial products. My job is to find the best way to inform you, offering you reliable, updated content that meets all your expectations. I am an administrator at feminaust.org


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