When you have to låne uten sikkerhet the loan you might be going for is variously called a personal loan, unsecured loan or signature loan. It amounts to your lender trusting you will pay the cash back promptly, with interest. Such loans generally have higher interest rates than mortgages or loans secured with a few property and lower limits on how much you can borrow because the lending company is assuming more risk. Unsecured loans are not unusual in small businesses for operating expenses; however you can get one for some temporary expense like a medical bill.
Create an inventory of all your present loans or debts, like bank cards or mortgages. Assemble records showing your bank accounts, other assets, along with particularly any savings, for example automobiles, which are paid in full. Get pay records for the last several months and, for a sizable loan, some evidence of ongoing employment.
Employ to get a personal loan to your present financial institution. Supply all the information that is requested and specify how much you need, exactly what the function is and also the length of loan you need. Provide evidence of resources that are likely future if you just desire a short-term loan until you accumulate fee or a debt or be eligible to get a refund.
Clarify just how much you really can afford to cover or when should you expect some funds to come in you would be prepared to cover the loan. Check payment options; monthly premiums are required by some personal loans, others accept only interest monthly using a full payoff at some given time.
Get a co-signer — a parent, relative or some close friend or business associate — who will guarantee the loan for you personally.
Check other lenders for similar rates of interest and terms or in case your lender is hesitant.