If proof of earnings is missing in order to be able to take out a regular installment loan from a bank or savings bank, then you have to look a bit more intensively and critically to find a suitable loan offer despite everything. One should differentiate exactly why there is no proof of earnings.
There are consumers who have no income and therefore have no evidence of it. And then there are the self-employed and freelancers, who have a salary, but this is not achieved regularly and can not be proven with any conventional proof of earnings.
This is how unemployed people get an instant loan without proof of earnings
It is very difficult as an unemployed person to be able to take advantage of an instant loan without proof of earnings. A conventional bank will not agree to this. And a loan from abroad also requires a regular and high income.
You can get an instant credit without proof of earnings from many retailers and mail order companies. No proof of earnings is required here. Merely the information that an income is generated seems sufficient to these providers. How this income is made up and what source it comes from is not critical. The approval is given immediately, so that the purchase can also be processed immediately. Luckily for the unemployed, as this gives them the opportunity to use a loan even without proof of earnings.
This is how self-employed and freelancers get an instant loan without proof of earnings
The situation is somewhat different for self-employed and freelancers. Income is generated here, but it is usually not the same every month. And because of independence, the person concerned has to take care of their own income and is not employed anywhere. Banks always view such a situation as critical and are not pleased when an instant loan is requested.
However, if you have the proof of income of recent years on hand and can therefore prove that the income is achieved in an acceptable amount, then the bank can be tempted to take out a small loan. Or the self-employed and freelancer also uses the financing options that mail order companies and retailers offer. They also do not have to provide any further proof of income here and only have to state that they are earning an income. The level and manner in which this happens is irrelevant.