Are you a domestic worker or a caregiver and need a quick loan? personal payday loans for domestic workers and carers are possible, both for foreigners and for Italians. Get your loan quickly by following some practical tips!
Payday Loans for carers: the requirements
Even if your job is not permanent, if you ask for less than 5000 euros on loan, it is not a problem.
In reality, the requisites generally required are:
- Residence permit if you are not of Italian nationality;
- Italian residence certificate;
- Passport / identity card;
- Health insurance card;
- A contract even for a fixed term;
- The copy of the last pay slip;
- You will have to finish paying the loan by the end of the work contract.
Loans for Bank caregivers: how it works
The small loan available in all Italian Post offices is one of the most requested by housekeepers and carers. Why? You can ask for a loan up to 3000 euros as a small amount personal payday loan, or up to 30000 euros for unexpected expenses.
To do this, you will need to open a Bank current account at the post office and then pay the monthly installments from the same account. The interest rate is quite low, for loans for Italian and foreign carers.
Always at the post office, if you need a maximum of 3,000 euros, you can ask for the Pay Evolution loan. Thus, you will only have to ask for the Pay card (= which costs 10 euros) and you will not need to open a current account. Thus, the loan amount reaches you directly on the card, where you will also pay the installments.
personal payday loans for domestic workers and carers: the offer
If you are a caregiver and you already have a current account with, this loan offers loans from 1000 to 60000 euros, based on the amount of your salary. If you have been living in Italy for at least two years with a residence permit, or you are a caregiver or an Italian domestic worker, you can immediately get the loan amount by bank transfer to your current account.
To pay the installments, instead, you can make the direct debit on the current account. If you get stuck, you can skip an installment, or change the amount.
Loans for foreign carers Bankstra
Bankstra offers you a loan of up to 25,000 euros even without having to explain how you will spend the money. Valid for Italian and foreign carers and home helpers, you can ask for it at the branch and on the official website.
You do not need to open a bank account in this bank to get the loan and you will have at least 24 months to be able to pay the installments.
In addition to income and residence documents, the bank will ask for family status. The loan arrives in maximum 48 hours.
Loans for changeover caregivers
Loans for changeover caregivers are making a comeback for all categories of workers. To find out what the loan is, please read our article. Here we can tell you that some banks and finance companies provide loans through bills of exchange. You will be able to receive your loan directly on your current account and you will be able to repay the bills through wire transfers or pre-filled postal bills. We remind you that if you fail to pay one of the installments, you can immediately be protested.
If you have difficulty obtaining a loan, you can apply for a revolving card. Many financial companies provide them. In this way, you will have up to 3,000 euros to spend, and then pay in convenient monthly installments.
Why is it convenient? It suits you because, according to your needs, I could only spend what you need and therefore, only pay the installments for how much you spent.
Once the payments are completed, you will not need to make other documents to get other loans, but the card will return to the original amount, ready in case of emergency.
Bad paying carers loans: how to do it
If you have not paid an old loan, you can request the transfer of the fifth for caregivers. How does it work? You can request a loan from the bank that will withdraw the amount of the installment from your salary.
Of course, you can also request a fifth assignment for unexpected expenses or to buy a used car.
But we want to tell you two things:
- the payment of the fifth of the salary is feasible for bad payers but the bank will assess the economic stability of your employer;
- the payment of one fifth of the salary is a bit long, which can even reach 3 or 4 weeks.
Loans for domestic workers and carers: do you need a guarantor?
Usually, carer loans need guarantors if:
- the sum requested is too high for your income;
- your job position is considered unstable by the bank.
For example, in personal payday loans for domestic workers and carers you can ask for the guarantor when the salary is equal to or less than 600 euros and your request exceeds 3000 euros. If you are a bad payer, or have never asked for a loan before, some banks may ask you for a guarantor. In order to attend to the loan and obtain the loan, you will also need the identification documents and the guarantor’s pay slip.
How to choose the best carers loans
Fortunately, the Internet exists today! In fact, you can now choose between personal payday loans for domestic workers and caregivers what is right for you at no cost!
Even if you decide to ask for information in the post office or at the bank, always ask for a free quote before signing and, once at home, check all the conditions.