10 Top Loans Without Wage Transfer | Payday Loans

Consumer Loans

On this page we will introduce you top 10 credits without transfer of salary and without guarantor too – easy and quick approval. We know that wages are a major source of income for most of us. It provides us with livelihood, covers our expenses for goods and services, and spends it on education, treatment, rest and everything we need for our family and life. If we have a loan – we pay the salary with the salary.

It is important in which bank is our transfer to salary, where we use discounts, preferences, bonuses, bundle programs. The transfer of salary to the bank from which we have a loan is a kind of guarantee, a guarantee to the lender that loan repayment will be easier and more unhindered.

If we delay the repayment installments, if we stop paying, the bank can make a distraction on our salary or secure a priority withdrawal of funds for the monthly installment of the loan.

In the case of a loan without a transfer of wages, the terms of the loan are not so profitable, we can not use bank products and services with better conditions than the standard, we will not have access to specially created banking services, we will deprive ourselves of savings and card products and other.

In order for a wage to be transferred to a particular bank, employer consent is required. We may have good reasons and want to withdraw credit from a bank without transferring salary. We will look at the top 10 credits without transferring salary.

1.NICCREDIT BULBANK – Consumer credit – Fast, credit

 

  • Loan without a wage transfer requirement, applying only with an ID card, online inquiry, by phone or in a convenient office.
  • Amount – credit up to BGN 10000 , repayment term: from 3 to 72 months.
  • No guarantors, no collateral.
  • Answer within 2 hours.
  • A consumer loan with a fixed interest rate for the entire loan period depends on size and term.
  • There is a fee for reviewing the credit application.
  • Possibility to take out insurance with an insurer, a partner of the bank.

2. UBB – Consumer loan with fixed interest rate

  • Loans without transfer of salary.
  • Size – credit up to 20000 BGN, repayment term from 6 to 60 months.
  • Fixed interest rate under attractive financial conditions.
  • No guarantors.
  • Quick and easy relaxation.
  • There are no application fees, there is a credit assessment and an account serving the loan.
  • Required documents: grant application and ID card.
  • Way of repayment – equal monthly installments, you can repay from an ATM of the bank.
  • Possibility to activate an insurance program – “Credit protection”.

3. PIRAEUS BANK – Consumer loan without transfer of salary

3. PIRAEUS BANK - Consumer loan without transfer of salary

  • Credit without transfer of salary.
  • Currency – BGN, loan up to BGN 5,000 , term from 12 to 36 months.
  • Withdrawal of credit with ID card , answer within 30 minutes.
  • Conditions: Bulgarian citizens living and working in the country, not less than 21 years old when granted and not more than 65 years on expiry of the loan.
  • Fixed annual interest rate.
  • There are fees for document review and credit risk assessment.
  • Monthly equal repayments – 15 or 30.

4. TEXIM BANK – Consumer loan without guarantors

4. TEXIM BANK - Consumer loan without guarantors

  • Loans without transfer of salary.
  • Currency – BGN or EUR, up to BGN 7,000 / EUR 3,500 /, repayment term up to 7 years.
  • Applying at the office of the bank, approval within 2 hours.
  • No guarantor.
  • Application conditions: adults, able-bodied citizens up to 68 years at the expiration of the loan, with income from an open-ended employment contract, HCP, free occupation, pension, good credit history.
  • Variable annual interest rate / reference plus fixed allowance.
  • Fees: for reviewing the credit application, approving the credit transaction, opening and servicing the current account.
  • Repayment – equal monthly installments.
  • Possibility for life insurance.

5. RAIFFEISENBANK – Standard consumer credit without transfer of salary

5. RAIFFEISENBANK - Standard consumer credit without transfer of salary

  • An amount of BGN 1 000 to BGN 35 000, a repayment term of 6 months to 10 years.
  • Online inquiries, requesting a meeting with a credit consultant, visiting an office.
  • Reference rate and flat rate, tailored to the individual client profile.
  • There is a charge for viewing documents, opening and servicing a current account.
  • Possibility to issue a credit card with no service fee for the first year.
  • Additional amenities with the Comfort package.
  • Lifetime Plus Insurance for the term of the loan.

6. BACB – Standard consumer credit without transfer of salary

 

  • Currency – BGN, up to 30 000, repayment term up to 7 years / for loans up to 15 000 BGN /, up to 10 years / over 15 001 BGN /.
  • Guarantors are required: one for loans up to 20 000 BGN and two for loans over this amount.
  • Variable annual interest rate, formed by a basic and a fixed allowance.
  • There is a one-time application and research fee, no pre-term redemption fee.
  • Ways of repayment: equal or declining monthly contributions.

7. POSTAL BANK – Consumer loan with a mortgage without transfer of salary

7. POSTAL BANK - Consumer loan with a mortgage without transfer of salary

  • Currency – BGN or EUR, financing up to BGN 100 000, repayment term from 5 to 25 years.
  • Collateral: mortgage on real estate.
  • You can request a free Skype consultation to get answers to your questions.
  • Variable annual interest rate.
  • There are fees for assessing creditworthiness, collateral valuation and documentary analysis for bundled programs.
  • No initial charges.
  • Additional services, complex services, preferences.

8. TBI Bank – Credit quick money

  • Credit without transfer of salary.
  • Amount up to BGN 10,000, repayment term up to 48 months.
  • Apply only with an identity document: online or in an office.
  • Approval for up to 15 minutes.
  • Without a guarantor , there is no bureaucracy.
  • You are in advance aware of interest, fees, all due amount.
  • Payment of installments: bank transfer, office, cashier, e-cash, cash terminal, ATM, innovative service and more.
  • Insurance: Life and Unemployment.

9. ASSET BANK – Consumer loan without collateral

9. ASSET BANK - Consumer loan without collateral

  • Loans without transfer of salary and without collateral.
  • Currency: BGN or EUR, up to BGN 7,000, repayment term up to 60 months.
  • It is provided to adult, able-bodied citizens working on an open-ended employment contract, civil contracts, sole traders, liberal professions with regular and stable earnings.
  • No funds are tracked.
  • Competitive interest rates. Variable annual interest rate.
  • There are no fees for absorption, management and early repayment. There are fees for initial acceptance of documents, credit analysis and monthly servicing of the current account.
  • There is a grace period.
  • Way of repayment – equal or decreasing installments.

10. FIBank – Housing / Mortgage Loan – Right to choose

10. FIBank - Housing / Mortgage Loan - Right to choose

  • Loans without transfer of salary.
  • Currency: BGN or EUR, unlimited loan amount, up to 100% financing from the market value of the property.
  • Collateral: mortgage on purchased or other real estate, located in a residential or administrative building, UPI, agricultural land up to 6 category.
  • Attractive interest rates tailored to your credit rating. Fixed interest rate for the first year, variable for the remaining period.
  • There are no application, management and relaxation fees.
  • When refinancing credit from another bank, state and notary fees for the mortgage of the property are at the expense of the bank.
  • Repayment term up to 35 years.
  • Insurance: Quietness with Fibank. Additional services, reliefs.

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