Requesting a loan without a current account may seem complicated, but it is absolutely possible. It is typical, in fact, that the applicant asks his / her credit institution to obtain a loan, but he / she is not obliged to do so: he can contact the bank or the finance company of his choice.
Following the decree law on liberalisations in 2012 , in fact, today requesting a loan without a current account in the chosen institution is a rather common practice, since the decree establishes that the consumer must always be free to choose the loan conditions he prefers.
This means, for example, that it will be possible to request a loan at a certain institution without having a current account in the institution itself, because you prefer to keep it on your own bank. However, banks usually assign a sort of “preferential channel” to their current account holders for a loan , except in some special cases: let’s see which ones.
Loan without current account
The finalized are a typical example of a loan without a current account , especially if requested by a financial company . The finalized are required for the purchase of a specific asset, so whoever issues the loan pays directly to the seller and is reimbursed through postal bills.
This type of loan without a current account , however, usually has rather high interest rates, as opposed to other types of commonly requested loans, such as the subsidized.
Loan without current account: with prepaid cards
Another type of loan without a current account is that of Shylocks obtained through prepaid cards. In practice, the applicant must have a rechargeable card, to which a RID can be attached: in this way he can use it to be credited with the sum and to pay the loan installments without a current account.
Always with regard to Shylocks without current account through prepaid cards, we must mention Special Cash of Poste Italiane . With this type of loan, it is sufficient that the applicant possesses a PostePay card , on which the sum of the loan will be credited.
In this case the loan without a current account will be a fixed amount: 750, 1000 or 1500 euros, repayable in 15, 20 or 24 monthly installments respectively . This loan is a personal loan with an APR variable from 15.34% (for 1500 euros) to 17.83% (for 750 euros): without doubt a good rate for a loan without a current account.
Loan without current account: how to get it
But how to get a loan without a current account ? As we have explained, it will be sufficient to use one of the methods listed in this article to request and obtain it. The Shylocks through prepaid cards are probably the best solution for those who want to get a loan without a current account , thanks to the undoubtedly favorable conditions for the applicant.