If you normally find it difficult to get a private loan, it is not at all impossible that you can get a sms loan anyway. After all, most sms lenders have lower requirements than banks have, since sms loans are significantly smaller than a regular private loan and because the loan period is so short.
However, different lenders have different requirements on their borrowers when it comes to income and some do not allow payment remarks while others do, so if you have payment remarks or a really low income you should turn to a lender who thinks it is okay.
Low income? Choose a lender that makes an individual assessment
Here on Astro Finance you will find many sms lenders who use an individual income assessment. This means that they do not have any minimum income requirements, which means that many who normally find it difficult to get a loan may be allowed to borrow even if they have a low income or fully and live on income from tuition or A-cash.
When you turn to such a credit company, they weigh your income against your expenses and it could very well end up with you getting a loan. Look in the top right of our reviews to see who makes an individual assessment or check out the loans that do not require any income.
Borrow with payment note
Having a previous note of payment does not actually have anything to do with your current repayment ability, so we think it makes sense that you get the opportunity to borrow anyway.
As you have probably seen here on Astro Finance, we have many sms lenders that allow payment remarks, just look in the column Note and you will see which ones do it. Otherwise, you can only check for “Show only lenders who can accept payment note” at the top of our first page and all sms loans you can take despite payment note, or click here. Smooth, right?
Sms loans without UC
The lenders who do not take a credit report from UC usually do it elsewhere, but it is not impossible that it leads to a slightly more generous assessment of your ability to pay. So if you find it difficult to get a loan elsewhere, it may be worth trying to borrow from such a lender.