Yes, thanks to digitalization and SPID. Many online lenders and banking apps allow you to upload documents instantly. If you already have a demonstrable income and a good credit history, the funds can be disbursed within 24-48 business hours, sometimes even less for existing customers.

It’s more complex but not impossible. ‘Without a pay stub’ doesn’t mean without income: you still need to prove your ability to repay, for example, through the Modello Unico for self-employed individuals, rental income, or a solid guarantor’s signature. Be wary of those who promise loans to people with no income at all.

For small, non-purpose-specific amounts, the rates (APR) tend to be slightly higher than for mortgages or car loans, often ranging from 8% to 14%. It is crucial to always check the SECCI form before signing to understand the total cost of the loan.

In this case, access to traditional credit is almost always blocked. The only safe options remaining are the ‘Cessione del Quinto’ (a salary-backed loan, if you are an employee or pensioner) or a pawn loan, which does not require a credit check on the applicant.

For maximum speed, have the following ready: a valid ID, tax code (codice fiscale), the IBAN of an account in your name, and a recent proof of income. Using SPID is highly recommended as it allows for an immediate digital signature, cutting down on bureaucratic delays.