Lightning credit without proof of income.

It is very difficult to get a lightning credit without proof of income. Such a loan is usually not granted by a bank, but only by a private credit broker. Corresponding offers can be found on the Internet. However, the seriousness of the credit intermediary should be checked in order not to pay excessive fees for a service that is ultimately not provided.

Application and approval

Application and approval

A reputable credit broker will check the borrower’s creditworthiness and, on this basis, try to find a lightning loan without proof of income. Particular caution should be exercised when the credit intermediary claims that it can effortlessly provide credit to anyone regardless of whether their credit rating is good or bad. The same also applies if the credit intermediary wants to make home visits and charges the costs separately.

If anything, all costs associated with lending are included in the monthly loan installments during the term. A loan can be paid out in different ways. A cash payment would be just as conceivable as a transfer to the checking account. Partial payments are generally not made, so the entire amount is paid out in full.

Use as Collateral


If there is no proof of income, other credit guarantees must be available. There are various possibilities. It is not possible to make general statements as to which security is required in a specific case. A guarantee or a co-signing of the loan contract from a person with a good to very good credit rating generally has a very positive effect on the credit opportunities.

There are further possibilities for securing the loan with a cash asset, a securities account, a life insurance policy or a property that is already debt-free. Proof of income is an important security for many private or institutional lenders. If this security is not available, appropriate alternatives must be created. Otherwise, no lending is possible.