Are you looking for a private loan?! 3 Things to Know

Loan between individuals, let’s find out together. In times of crisis like today, perhaps you too need a loan, but no bank or financial company gives you credit?

Have you thought about resorting to private loans? For sure if you need money urgently, you want your need to be met in a serious, fast, lawful way and why not? online, maybe you’re wondering:

Does the private loan have these characteristics?

The answer is Yes, private financing can also be requested online and if it has the characteristics we are talking about below you can consider it a serious, fast and lawful way to achieve your goal.

If you have an experience about it, tell it on our blog, or if you need liquidity and you want to be followed step by step, contact one of our consultants for free and without obligation by entering your phone number in the request form.  

Below we will see the fundamental characteristics of a contract between private individuals:

Loan between individuals: What is it?

Loan between individuals: What is it?

This type of contract is an alternative financing solution to those proposed by banks and financial companies.

When among private individuals one credits another, without the need for intermediaries, we are faced with one of the following options:

  • Loan peer-to-peer: are contracts that allow you to obtain the required liquidity through a social lending (see step 4)
  • Loans between family members

The fundamental characteristic of these loans is that they can be  requested and disbursed without the intermediation of a bank, they  are directly interested parties to manage everything, moreover you will almost certainly have the opportunity to  save on interest rates.

What are the actors involved:

  • The  lender : the one who makes the money available by paying interest
  • The  applicant : the one who requests the money
  • Social Lending platform: this figure appears only in peer-to-peer loans, and in simple words it is the “place” where those who offer money with those who request it find themselves.

Considering this, is it essential to understand if the Italian legislation regulates financing between private individuals? In point 2 you will find the answer.

If you have any questions or curiosities do not hesitate to write on our blog at the bottom of the page in the comments section an operator, completely free of charge, will be ready to answer.

Loan Between Individuals: Is It Lawful?

Loan Between Individuals: Is It Lawful?

Maybe you are wondering: is the loan between individuals legal? This question is absolutely normal, and the answer is Yes.

The sure thing is that this method is the oldest, “always” friends and relatives as a demonstration of support and solidarity create such types of relationships.

However, there have been many cases in which the Revenue Agency or Securehold Bank has reported cases of tax evasion, or even despite the deep friendship or kinship relationships you have heard of serious problems between lender and applicant. What to do to be calm?

This being the case, if maybe you lend money or you are requesting it from a relative or friend, to stay calm and safe to do things honestly you have to formalize everything according to the law through a contract containing certain characteristics:

  • Name and surname of the person who requests the money and who lends it
  • The fee paid
  • The time, the duration established for the return
  • The purpose of funding
  • The type of contract
  • Interest- bearing: there are interests to be paid and in this case it must be specified
  • Non-interest bearing: there is no interest on the sum paid
  • The signatures of the subjects involved
  • Certain date provided through a special registration, sending a pec or a notary’s report.

These are the basic and fundamental elements of a contract that will make you feel peaceful.

Before getting the liquidity you need or lending it, remember that it will always be better to use payment tools such as check or bank transfer.

Loan between private individuals: the various types


You probably know you are reported to Crif and maybe you are also protested, you know that no bank will finance you.

You probably have a fixed-term contract or maybe you don’t even have a contract and therefore you are sure that your only solution is financing between private individuals.

There are various forms of credit, the most common and used are the following:

Private loan: all the characteristics of this contract are those listed in point 2

Loan with guarantee of promissory notes: in this type of financing it is essential to fill in the promissory notes in detail and affix the brand with the stamp on each one.

Online Social Lending : these companies bring together those who lend money with those who request it, are constantly supervised by the Securehold Bank. For this reason you can be sure that they will comply with the regulations for the following aspects:

Privacy: the names of the interested parties are reserved

Checks: a check is made on the reliability of the parts, both the lender and the applicant have in fact a personal profile and a level of reliability that are assigned to them.

All transactions are secure and documented with contracts and digital signatures

Customization: the parties can agree on the amount, installment, return time and interest.

Among the Social Lendig operating in Italy the best known and most reliable are Smartika returned to the market in 2012 and once known as Zopa and Prestiamoci active on the Italian market for 2 years.

Loan Search: Get It!

With the general picture of the situation it will be clear to you that the loan between private individuals is a simple and safe option, but probably you too, like many Italians, prefer direct, human contact.

Entrusted to our company we have been operating in the credit market for almost 15 years, enter your phone number, one of our operators will contact you completely free of charge and without obligation.

We put our professionalism and experience at your disposal to guarantee you a free and no-obligation quote.


Credit card with start credit : Apply for the best card!

The offer of credit card companies and financial institutions for credit cards in Germany is huge and every consumer can find the card that meets his requirements. The offer of a credit card with starting credit is particularly popular and interesting. In order to inform you optimally about this card, we have worked out a credit card comparison with our financial editors and experienced experts for a good overview. If you would also like to read more about the topic or are interested in specific aspects, you can find a comprehensive guide under the comparison. Find the best credit card with starting credit for you now and apply for it online!

The best credit card with starting credit at a glance

  • classic credit card
  • free of charge and with no annual fee
  • also available as prepaid card
  • different insurance included
  • Billing monthly or in installments
  • Free cash withdrawals worldwide
  • start credits, Initial balance
  • Credit card with bonus possible
  • Apply online

Some providers offer a credit card with a starting credit, which also requires a current account to be opened, which in some cases is also awarded a bonus. But in the vast majority of offers of a credit card with a premium, the card only needs to be used once in order to benefit from a starting credit. But even under these offers, some providers grant a bonus again after six months if a certain sales limit has been exceeded. In these cases, no separate current account is required and the repayment amounts can be transferred from any other account. Many cards with starting credit are also equipped with a chip for contactless payment, whereby no signature or PIN is required for payments under 25 dollars.All of these criteria can be found quickly and easily in a clear credit card with a starting credit comparison.

Is there a free credit card with starting credit?

With a comparison, you have a larger selection at a glance when looking for a credit card with starting credit. The result lists also include providers of free credit cards with starting credit. In order to attract new customers, more and more credit and banking institutions come up with promotions that offer start-up credits from which consumers can benefit. With credit cards with starting credit, minimum sales are no longer required to grant credit, but often only the one-time use of the card.

The three most important criteria for a credit card with a starting credit

  • Available as a classic credit card or prepaid card
  • Start credit and additional bonuses when opening a current account
  • Credit cards with starting credit without annual fees

Apply for the best credit card with starting credit – how it works

credit card with starting credit - how it works

If you have found what you are looking for after the comparison, you can call up the application directly from the provider and enter your personal data. After the data has been transmitted online to the provider or bank, there are two options: Either you will receive a document to download immediately after the online application process or the provider will send you the documents by post or e-mail. If the application can be downloaded, a Post-Ident Coupon is enclosed. Now you have to print both, sign the application and go to the nearest post office with both the coupon and a copy of the application. Your identity will be determined there and the applicationwill be sent to the provider with the completed PostIdent coupon.After the application has been successfully checked, you will receive your credit card with starting credit in the mail,

The credit card with a start credit check – the following criteria are important

Anyone who has opted for a credit card with starting credit can have the first purchase paid for by the provider. Generally, there are two variants of a credit card with a starting credit that should be differentiated. Our credit card with credit check showed that some providers offer a classic credit card with credit and others a card in connection with a free checking account. Some of the direct banks listed in the comparison also grant a bonus bonus for the account. With regard to outstanding amounts after using the card, everyone can decide whether they want to pay the sales amount from their checking account or in installments at the end of the month. For some providers, the rate should be at least two percent of the total or at least 15 dollars.


Which variant of a credit card with starting credit someone applies for is up to everyone. But there are often very attractive starting credits in the combination of credit card with starting credit in addition to extra packages such as insurance, which you should definitely take.