It is more common for people to find financing completely online, and although one of the requirements is to have a healthy history, there are also lenders that offer alternatives without bureau. Loans without a bureau and without collateral are a financing alternative for people who do not have a history or have a bad score in the Credit Bureau. Therefore, some finance companies have specific conditions for these people to get money.
Today there are entities that allow you to request a loan immediately. The entities or lenders offer these financing online, which facilitates the meeting of requirements and the term in which they are granted can be 24 hours.
Some of the requirements are:
- Be between 18 and 65 years old.
- Be a resident of Mexico with Mexican nationality.
- Valid official identification.
- Have your own bank account.
- Have an active email account and national phone number.
- CURP and RFC.
Some institutions such as Credy, Lendon, Dineria, Money Man, Lime, Kreditiweb, HolaDinero, Pezetita, Crezu, Credilikeme and AskRobin offer financing to people who do not have a record in the Credit Bureau or who have bad credit history.
Although it should be noted that this condition depends entirely on the lenders, who, before confirming the approval of the immediate loan, check if the name of the interested party appears in the list of people without a bureau. Likewise, it is important to take into account that the interests of the loans without a bureau can be higher than a financing with the support of a good credit history.
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Can you request a personal loan without a Credit Bureau and without proof of income?
As mentioned, some entities do grant these loans. In reality, this mode of urgent loans without bureau or income verification are highly requested by Mexicans. Well, many times the financial situation of families is so diverse that some people do not have a credit history because they are not banked or have a bad score for some problem they have had, which does not determine that that individual is a bad payer.
However, you can face an emergency applying for personal loans without a credit bureau and without proof of income.
Are no-bureau loans reliable?
Most of the entities that offer loans without a bureau are reliable and safe. But it is advisable to investigate whether the lender is registered with the National Banking Commission of Securities and in the Bureau of Financial Institutions of the National Commission for the Protection and Defense of Users of Financial Services (CONDUSEF), to avoid falling in the hands of potential scammers.
It is important to consider that if the interested person is in the Credit Bureau with a bad score and needs an immediate loan, they will surely be one of the most expensive that can be found in the market.
Although there are quite a few entities that offer loans without a bureau, it is important to bear in mind, as already mentioned, that interest rates will be higher the worse the profile as a debtor is. In addition, the financing conditions will be more restrictive.
Therefore, finance experts advise that you try, as much as possible, to settle pending debts or negotiate with the institution with which you have a problem, since repairing the score in the Credit Bureau will allow you to access better conditions for a loan or credit.
Characteristics of loans without a credit bureau
As mentioned, there are some companies that grant personal loans to people with no or bad credit history. In general terms, they work in the same way as any other loan, but some of their peculiarities are:
- Loans without a credit bureau tend to be more expensive than the average.
- The terms are usually less than that of the banks.
- They may ask for some extra requirement.
- Currently, most lenders that offer loans without an urgent credit bureau have their own evaluation systems, so the requirements can change a bit from company to company.
- They do not ask for any advance.
How to borrow money fast without many requirements?
Fortunately, there are quick and simple online loan comparators that allow you to view the offer of various financial institutions in a couple of minutes. In addition, the pre-application is very easy to fill out, sIt is only necessary to indicate the amount that you are borrowing and the term at which you want to pay. In a matter of seconds you will be able to see and contact the lender that best suits the needs of the interested party.
The comparator shows a series of proposals ranging from those that do not request a credit bureau to those that do not require the verification of a guarantee.
How to find a loan without a bureau in the comparator?
It can be difficult to get rid of a bad credit history, or on the other hand, to achieve a favorable score. A negative or no credit score could seriously hamper your ability to access different loans; but not everything is hopeless. There are still some loan options to consider.
There are several lenders that do not have a History requirement in the Bureau, some of them are shown in the Rastreator comparator and have the following requirements:
| Lender | Requirements |
| Credy | 1. Be between 18 and 65 years old. 2. Be a resident of Mexico and have Mexican nationality. 3. Have a valid official identification. 4. Have your own bank account. 5. Have an active email account and Mexico phone number. 6. Have your CURP and RFC at hand. |
| Lendon | 1. Be over 20 years old. 2. Have a valid official identification. 3. Have your own bank account. 4. Have an active email account and phone number in Mexico. 5. Have proof of income or bank statements for the last 2 months. 6. Have your CURP and RFC at hand. |
| Money | 1. Be over 18 years old. 2. Have a valid official identification. 3. Last complete bank statement. 4. Payroll receipts for the last month. |
| Moneyman | 1. Be over 18 years old. 2. Be a resident of Mexico and have Mexican nationality. 3. Have a valid official identification. 4. Have your own bank account. 5. Remember to be on the lookout for your phone to receive the verification call. |
| Lime | 1. Be over 18 years of age; 2. Have a valid official identification (Mexican Passport, IFE / INE); 3. Have your own bank account; 4. Have your own cell phone. |
| Kreditiweb | 1. Be over 18 years old. 2. Be a resident of Mexico and have Mexican nationality. 3. Have a valid official identification. 4. Have your own bank account. 5. Verifiable income. |
| Hello money | 1. Be over 18 years old. 2. Be a resident of Mexico and have Mexican nationality. 3. Have a valid official identification. 4. Have your own bank account. 5. Have an active email account and Mexico phone number. 6. Have your CURP and RFC at hand. |
| Little fish | 1. Be over 18 years old. 2. Have a valid official identification. 3. Have your own bank account. |
| Crezu | 1. Be between 18 and 65 years old. 2. Be a resident of Mexico and have Mexican nationality. 3. Have a valid official identification. 4. Have your own bank account. |
| Credilikeme | 1. Be between 23 and 55 years old. 2. Be a resident of Mexico and have Mexican nationality. 3. Have a valid official identification. 4. Have your own bank account. 5. Have an account on Facebook. 6. Have experience using credits, it does not matter if it is good or bad. |
| AskRobin | 1. Be over 18 years old. 2. Have a valid official identification. 3. Have your own bank account. |
However, as mentioned, the conditions and requirements depend on each lender, so it is advisable to ask the company directly for more information.