Loan
without a guarantor
Private capital loans
without a guarantor
How do I get a loan without a guarantor?
Unlike other loans on the market, at Prestamo Capital we won’t ask you for a guarantor if you need money. Our loans without a bank guarantee are the perfect financial solution for any situation.
To apply for a loan without a bank guarantee, all you’ll need is a property in your name, free of charges or with a small outstanding mortgage. If you are the owner of a flat, house or commercial premises, then you’re already one step closer to the loan you need.
When applying for a mortgage loan without a guarantor, we won’t ask for a payslip either. We only need proof of stable income, which can be: rents, rental income, retirement, pensions, among others.
Our goal is to offer financial solutions that suit all kinds of clients. That’s why we grant loans without a guarantor or payslip.
We also want this to be a simple process, so that getting a loan without a guarantor is within everyone’s reach.
The first thing you need to do to access our loans is make sure you meet the requirements, and send an application with your details using our form.
In just 24 hours you’ll receive an answer from our team of managers. They’ll carry out a free, no-obligation study of your particular situation.
If you want to continue with the process, the team will appraise the property you offer as collateral and make a loan offer based on that value.
And the last step is signing the contract, which takes place before a notary. On the same day of signing, you’ll receive the money in your bank account, without delays or paperwork. Throughout the process, Prestamo Capital will provide a dedicated manager for your case in case you have any questions.
“I need an urgent loan without a guarantor”
At Prestamo Capital we stand out for offering loans without a guarantor or payslip, quickly and easily. To apply for a mortgage loan without a guarantor you’ll need a property in your name and proof of stable income. We’ll take care of the rest.
We know that in any financial situation every minute counts. That’s why we offer an evaluation, valuation and contract-signing process that is very agile. Get the money you’re looking for as quickly as possible.
Even if you have a business, we specialise in loans for entrepreneurs without a guarantor and business loans without a guarantor, so you can move your projects forward or pay off debts that are holding you back.
There’s no need to ask your relatives or friends to be your guarantors. With our private capital loans you won’t need to compromise any relationship. With our loans without a guarantor, you can turn your property into cash.
€15,000 loan without a guarantor
Whatever your need, Prestamo Capital is here to help. With our mortgage loans you can access quickly, securely and transparently the money you’re missing.
€40,000 loan without a guarantor
Our loans are known for their flexibility. With Prestamo Capital you can pay over terms of 10 to 20 years, depending on the loan amount, to repay the money at your own pace.
€20,000 loan without a guarantor
Depending on the value of the property you put up as collateral, you can get a lot of money. We offer you private capital loans so you can fulfil a dream, pay off a debt or start that project you keep putting off.
Why choose our loans?
Fast financing
Apply for your loan without a guarantor and our team of managers will contact you in less than 24 hours.
Professional and transparent
We are a lending company and real estate credit intermediary (PICI) registered with the Bank of Spain under code D552, with years of experience in the sector.
Flexible terms
Choose the repayment terms that best suit your finances, from 10 to 20 years.
For property owners
Access our loans without a guarantor, with just the mortgage collateral of a flat, house or commercial premises.
Frequently asked questions about loans without a guarantor
What is a loan without a guarantor for?
Private capital loans without a bank guarantee are perfect for any immediate liquidity need. To apply for a mortgage loan without a guarantor, we won’t ask you for hundreds of documents. Our goal is for the process to be simple and fast. Our managers will take care of everything so you can enjoy the money.
What do I need to apply for this loan?
To apply for a loan without a guarantor, it’s essential to have a property as collateral. And to start the application you’ll need:
- Identity document.
- IBI receipt of a property in your name.
- Proof of stable income (it doesn’t have to be a payslip).
Can I get a loan without a guarantor or payslip?
Yes, to apply for a mortgage loan without a guarantor you don’t need to present a payslip. But we do require proof of stable income. This is what Spanish law requires to guarantee repayment of the loan. If you don’t have a payslip, you can present income from rents, rental properties, pensions, retirement, etc.
Is it possible to apply for a mortgage loan without a guarantor if I don’t have a property in my name?
If you don’t have any property in your name, or that property still has a large outstanding mortgage, there is an alternative. You can put up as collateral the property of a relative or friend who wants to help you. We’ll only ask for their identity document and the IBI receipt of the property in their name.
Can I apply for a loan without a guarantor for my business?
Of course, our loans are perfect for individuals, businesses, SMEs or self-employed professionals. To apply for an entrepreneur loan without a guarantor, the requirements are the same. You can also apply for a business loan without a guarantor, with the premises or office as collateral if it is owned by the company.
Is it possible to access these loans if I’m on ASNEF?
Being on the ASNEF files is not a problem when applying for a mortgage loan without a guarantor. Because we offer private capital loans, we can guarantee greater flexibility. We adapt to each client’s needs, regardless of their default status.
