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.


Buy and Finance a Property Purchase | Payday Loans




According to the Portuguese Association of Real Estate Professionals, the French are the first foreign buyers in Portugal. French investors investing in real estate in Portugal represent 25% of the 13,064 non-residents who bought real estate in Portugal in the first quarter of 2016.

Once the property is found, the buyer signs with the help of a lawyer, a promise to purchase that can be reciprocal, similar to the sales agreement, or unilateral with conditions precedent. In all cases, it is accompanied by the payment of a deposit (at least 10% of the price) that will remain with the seller if you withdraw without valid reason. The transaction will not become final until the signing of the deed drawn up by a notary responsible for establishing the cadastral and mortgage situation, the existence of any easements and urban planning rules, and register the sale in the land register.

As in France, the purchaser bears the costs of registration and registration. The progressive transfer taxes vary between 1 and 8%. For example, the tax authorities will charge 5,840 euros in fees for a property worth 200,000 euros. The fixed and honorary fees of the notary are added to this amount.

 Property Purchase

 Property Purchase


Regarding financing, the establishment of a mortgage loan granted by a French banking institution remains the surest way to finance a property purchase in Portugal. The loan agreement is drafted in French and the funds are released under the control of a French notary.

A mortgage loan for the purchase of a villa or apartment in Portugal is for owners of real estate located in France. It can be a principal residence, a second home or rental which will then be given as a displaced guarantee.

The operation of the loan will be similar to a conventional home loan.


Loans for Employees – Express Loans Portal

The vast majority of workers in Israel are, of course, salaried workers. For all the bodies responsible for providing interest money, a loan for salaried employees is the best thing. The reason for this is simple and clear – the salary is fixed, more or less, the income is safe and allows them to plan their conduct with relative security. If there are payments, you can plan them according to the income level.

Loans to employees from banking institutions

Loans to employees from banking institutions


In the last decade of the twentieth century, the large banks discovered households and began to attribute growing importance to them. The understanding that this is the largest segment of the population on the one hand, and on the other hand, as it turned out, the chances of high losses resulting from personal bankruptcy or mismanagement among this population are low, motivated the banks to try to attract as many households as possible.

Exemption from fees for fixed periods, more efficient service, greater availability and greater responsiveness did indeed work, and households increased their economic activity through the Bank. As of today, the banks offer a loan to an employee under excellent conditions. These loans are given for any purpose and help individuals and families maintain an adequate standard of living and enjoy the benefits of life from time to time.


Loan to employees and credit companies


Credit cards have long been the main means of payment in modern society. However, as of today, activity in the field is much more efficient and fast than could be assumed two decades ago. As a result, credit companies can also offer loans to salaried employees, with the main advantage over the financing provided by the banks being the speed at which the loan is transferred to the borrower’s account.

Another advantage lies in the fact that the loan, as far as the bank is concerned, is not included in the customer’s obligo and does not affect the Bank’s considerations regarding it.

Employee loan by various entities

Employee loan by various entities


An employee with regular salaries who come to his account can raise credit for various purposes and purposes also from outside companies. Sometimes the terms of the loan are not as good as those of the bank, but the advantage of speed and availability is also great. Within one business day you can get a loan of tens of thousands of shekels.

One of the benefits of having a regular salary is that different bodies related to their workplace can also help if needed. The workers’ organizations also grant loans to employees who are members of them, under surprising conditions of their quality.

Portal Express Loans helps you, salaried employees who want to renovate the house, upgrade the family car, make a great event or help a little children who get married. The portal contains the list of institutions, entities and companies that are most respected in the field of granting credit and loans.

There is no need to search anymore, you do not have to go into individual sites – you enter into an express loan portal, search, call, compare and take out a loan for a salaried worker or another. The thing is just as easy as it sounds.

In an age of economic uncertainty, salaried employees are the strongest and most stable avenue, which also affects the attractive conditions in which loans are granted to employees.