The position of the people who choose to devote themselves entirely to the family and to the home is quite inconvenient especially when one finds oneself in the need to access a loan. The lack of a demonstrable income is an almost insurmountable obstacle for most types of financing, unless they are not large amounts.
Personal loans or finalized loans?
The simplest way remains the help of a guarantor, or someone who has a demonstrable income that serves as a guarantee. It does not necessarily have to be a spouse or relative, and in any case the loan (with the related mandatory notifications) will be made out to the person who presents himself as the holder and applicant, despite the absence of income. And this is the only way to bypass the limit imposed on personal loans or purposeful loans of a certain size.
With regard to personal loans of modest size, the difficulties of obtaining a loan remain high, but it is possible to present other forms of personal guarantee, or to access the loan remitted. The case in which there are fewer problems is that relating to purchases of goods with finalized financing. These amounts are not always high, and generally this possibility is also offered with refunds through postal bills.
However it must be considered that it is enough to forget even a single payment to find yourself among the bad payers.
Revolving cards and prepaid cards
Alternative solutions are not lacking to guarantee a certain freedom of use of small sums as a loan. One is made up of revolving cards, which can also be issued in the name of housewives, if linked to “family” cards (these are cards issued to a family unit) or to loans previously granted. These are solutions characterized by fairly high interests (even in this case, the possibility of reimbursing the amounts through postal bills can be offered).
Finally, there is the possibility of loans linked to prepaid cards. At the moment, a pioneer in this area is Bankate with the “Smart” loan or Credit Cash connected to the rechargeable postpay card : it can reach a maximum of 1500 USD of personal loan, but also in this case the level of interest is absolutely not from underestimate.