{"id":29745,"date":"2021-12-07T13:13:39","date_gmt":"2021-12-07T13:13:39","guid":{"rendered":"https:\/\/payment1.com\/?p=29745"},"modified":"2026-08-02T20:40:54","modified_gmt":"2026-08-02T20:40:54","slug":"prestamos-personales-sin-garantia-que-son-y-como-funcionan","status":"publish","type":"post","link":"https:\/\/payment1.com\/es\/2021\/12\/unsecured-personal-loans-what-is-it-and-how-does-it-work\/","title":{"rendered":"Pr\u00e9stamos Personales Sin Garant\u00eda: \u00bfQu\u00e9 son y c\u00f3mo funcionan?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u00bfNecesitas dinero extra para financiar alg\u00fan evento importante en tu vida? Ya sea para unas vacaciones so\u00f1adas o para una renovaci\u00f3n en casa, un <\/span><a href=\"https:\/\/payment1.com\/es\/prestamos-personales-2\/\"><span style=\"font-weight: 400;\">pr\u00e9stamo personal sin garant\u00eda<\/span><\/a><span style=\"font-weight: 400;\"> puede brindarte el alivio que necesitas. Es una de las opciones de pr\u00e9stamos m\u00e1s sencillas que puedes obtener para ayudarte en momento de necesidad.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Los pr\u00e9stamos personales sin garant\u00eda son algunos de los tipos de deuda m\u00e1s flexibles que puedes usar para casi cualquier cosa. Antes de empezar a pedir prestado, necesitas entender c\u00f3mo funciona el pr\u00e9stamo para tomar una decisi\u00f3n informada. Aqu\u00ed te explicamos qu\u00e9 es un pr\u00e9stamo personal sin garant\u00eda, c\u00f3mo funciona y qu\u00e9 significa para ti.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u00bfQu\u00e9 es un pr\u00e9stamo personal sin garant\u00eda?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Entonces, <\/span><a href=\"https:\/\/payment1.com\/es\/que-es-un-prestamo-personal\/\"><span style=\"font-weight: 400;\">\u00bfQu\u00e9 es un pr\u00e9stamo personal sin garant\u00eda?<\/span><\/a><span style=\"font-weight: 400;\">Antes de aprender qu\u00e9 es, necesitamos aclarar algunos detalles. En pocas palabras, los pr\u00e9stamos sin garant\u00eda son un tipo de deuda que no requiere colateral para que puedas obtenerlos.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Esto contrasta con los pr\u00e9stamos garantizados, que requieren que tengas una garant\u00eda lista, usualmente en forma de propiedad u otros activos.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Conocidos como pr\u00e9stamos de buena fe, muchos de estos tipos de pr\u00e9stamos tienen menos requisitos en comparaci\u00f3n con otros pr\u00e9stamos. Gran parte del pr\u00e9stamo depende de que el prestatario tenga una <\/span><a href=\"https:\/\/payment1.com\/es\/no-credit-checks-loans-are-they-worth-checking-out\/\"><span style=\"font-weight: 400;\">buena puntuaci\u00f3n de cr\u00e9dito<\/span><\/a><span style=\"font-weight: 400;\"> y la capacidad de pagar el pr\u00e9stamo que est\u00e1n solicitando. Los pr\u00e9stamos sin garant\u00eda vienen en una variedad de formas, que incluyen:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pr\u00e9stamos personales<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pr\u00e9stamos estudiantiles<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tarjetas de cr\u00e9dito sin garant\u00eda<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Los pr\u00e9stamos personales sin garant\u00eda est\u00e1n disponibles en muchas instituciones financieras, prestamistas respaldados por el gobierno e instituciones de pr\u00e9stamos especializadas. El proceso de solicitud tambi\u00e9n puede ser menos riguroso que otros pr\u00e9stamos debido a su historial crediticio positivo.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u00bfC\u00f3mo funcionan los pr\u00e9stamos personales sin garant\u00eda?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ahora que ya sabes qu\u00e9 es un pr\u00e9stamo personal sin garant\u00eda, podemos ver c\u00f3mo funciona. Los pr\u00e9stamos personales sin garant\u00eda suelen oscilar entre $1000 y $100,000, con montos m\u00e1s altos para quienes tienen la capacidad de pagarlos. El uso de este tipo de pr\u00e9stamo es de car\u00e1cter general, lo que significa que puedes utilizar el dinero para cualquier gasto que necesites cubrir.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">El <\/span><a href=\"https:\/\/www.investopedia.com\/terms\/a\/apr.asp\"><span style=\"font-weight: 400;\">tasa de porcentaje anual (APR)<\/span><\/a><span style=\"font-weight: 400;\"> Para los pr\u00e9stamos sin garant\u00eda, la tasa anual equivalente (TAE) oscila entre 6% y 36%. Dependiendo de la instituci\u00f3n, esta TAE puede ir acompa\u00f1ada de varios tipos de cargos. Estos cargos abarcan desde comisiones iniciales de apertura hasta multas por pago anticipado, por lo que es fundamental trabajar con un proveedor de pr\u00e9stamos de confianza.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dado que los pr\u00e9stamos personales sin garant\u00eda pueden ser riesgosos para el prestamista, existen varias advertencias y requisitos antes de que pueda calificar para uno. Para empezar, la mayor\u00eda de las instituciones crediticias solo ofrecen pr\u00e9stamos sin garant\u00eda a sus mejores clientes con puntajes crediticios consistentemente altos.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Algunas instituciones crediticias requerir\u00e1n que tengas un avalista para quienes apenas califican o les falta poco para calificar para el m\u00ednimo. Los avalistas asumir\u00e1n la obligaci\u00f3n de pagar tus pr\u00e9stamos si incumples con ellos.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u00bfQu\u00e9 pasa si no cumples con tu pr\u00e9stamo?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Si no pagas un pr\u00e9stamo personal sin garant\u00eda, la mayor\u00eda de las instituciones financieras remitir\u00e1n los pagos atrasados a una agencia de cobro. Como muchos saben, las agencias de cobro pueden ser persistentes en sus intentos, lo que resulta en llamadas de cobro.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Algunas instituciones incluso podr\u00edan optar por acciones legales si persiste el impago de tu parte. Cualquier acci\u00f3n legal exitosa resultar\u00e1 en un posible embargo salarial, dependiendo de la situaci\u00f3n. Algunos fallos judiciales podr\u00edan incluso resultar en la imposici\u00f3n de una hipoteca sobre tus propiedades y otros activos valiosos.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Requisitos necesarios para un pr\u00e9stamo personal no garantizado<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Muchas instituciones financieras pasan por varias medidas para limitar su riesgo de pr\u00e9stamo, principalmente a trav\u00e9s de <\/span><a href=\"https:\/\/payment1.com\/es\/7-cosas-que-los-prestamistas-evaluan-al-considerar-tu-solicitud-de-prestamo-personal\/\"><span style=\"font-weight: 400;\">calificaciones para pr\u00e9stamos personales<\/span><\/a><span style=\"font-weight: 400;\">. Existen diferentes factores que estas instituciones utilizan para filtrar a sus clientes, con cierta similitud entre muchos prestamistas.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Puntaje y historial crediticio\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">El primer detalle que cualquier instituci\u00f3n financiera revisar\u00e1 es tu cr\u00e9dito. Los prestamistas revisar\u00e1n tu historial crediticio, as\u00ed como tu forma de administrar tus tarjetas de cr\u00e9dito e incluso pr\u00e9stamos anteriores. Muchos considerar\u00e1n tu puntaje de cr\u00e9dito primero, ya que es el n\u00famero m\u00e1s f\u00e1cil de revisar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En cuanto a tu historial crediticio, puedes esperar que los prestamistas revisen tu uso de cr\u00e9dito de los \u00faltimos dos a\u00f1os aproximadamente. Esto incluir\u00e1 pagos a tiempo, saldos de tarjetas de cr\u00e9dito en diversos tipos de cuentas y si mantienes un saldo bajo en tus tarjetas de cr\u00e9dito.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Ingresos<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Cada compa\u00f1\u00eda de pr\u00e9stamos necesita asegurarse de que usted pueda cumplir con sus obligaciones financieras. Cada compa\u00f1\u00eda necesita confirmar sus fuentes de ingresos y c\u00f3mo pagar\u00e1 el dinero que deber\u00e1 a trav\u00e9s de su pr\u00e9stamo personal sin garant\u00eda.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Los prestamistas probablemente pedir\u00e1n pruebas de ingresos estables y consistentes. Tambi\u00e9n analizar\u00e1n tus inversiones, negocios, ganancias e incluso tu salario mensual si eres empleado. Esto tambi\u00e9n determinar\u00e1 cu\u00e1nto obtendr\u00e1s.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Raz\u00f3n de deuda a ingresos<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">El <\/span><a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-a-debt-to-income-ratio-why-is-the-43-debt-to-income-ratio-important-en-1791\"><span style=\"font-weight: 400;\">ratio deuda-ingreso<\/span><\/a><span style=\"font-weight: 400;\"> (DTI) es un c\u00e1lculo pr\u00e1ctico que compara el total de tu deuda acumulada con tus ingresos totales actuales. Si tienes un pago mensual de $1000 en concepto de deuda y un ingreso bruto de $5000 al mes, tu \u00edndice DTI ser\u00e1 de 20%, es decir, 0,2.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La mayor\u00eda de los prestamistas utilizar\u00e1n este indicador como un criterio sencillo para decidir si pueden financiar tu pr\u00e9stamo personal sin garant\u00eda. Cuanto m\u00e1s bajo sea, mejor; y aunque cada instituci\u00f3n financiera tiene un l\u00edmite m\u00e1ximo permitido diferente, el valor m\u00e1ximo por lo general no supera los 43% o 0,43.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Solicitud de Pr\u00e9stamo Personal No Garantizado<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Necesitas seguir varios pasos para <\/span><a href=\"https:\/\/payment1.com\/es\/6-pasos-para-evaluar-una-oferta-de-prestamo-personal\/\"><span style=\"font-weight: 400;\">obtener un pr\u00e9stamo personal no garantizado<\/span><\/a><span style=\"font-weight: 400;\">. Siempre se comienza determinando la cantidad adecuada que necesitas. Preg\u00fantate cu\u00e1nto dinero cubrir\u00e1 tus necesidades, pero aseg\u00farate de que sea lo suficientemente realista como para que puedas pagarlo.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Busca entre las principales instituciones de pr\u00e9stamo. Quieres una empresa l\u00edder en pr\u00e9stamos que no solo ofrezca aprobaci\u00f3n r\u00e1pida y pagos autom\u00e1ticos; tambi\u00e9n necesitas un prestamista que ofrezca horarios flexibles y tasas fijas.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Necesitas comparar pr\u00e9stamos personales sin garant\u00eda y ver cu\u00e1l se adapta mejor a tus necesidades. Considera la TAE (tasa anual equivalente) y cualquier otra comisi\u00f3n asociada, junto con otras caracter\u00edsticas especiales. Una vez que encuentres el mejor pr\u00e9stamo para ti, env\u00eda una solicitud y proporciona la documentaci\u00f3n necesaria.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dale tiempo a la instituci\u00f3n crediticia para que procese tu pr\u00e9stamo, lo cual deber\u00eda tomar entre 24 y 72 horas. Una vez que tu pr\u00e9stamo personal sin garant\u00eda sea procesado y aprobado, sigue las instrucciones del prestamista y toma los fondos.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">El resultado final<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Los pr\u00e9stamos personales sin garant\u00eda son algunas de las mejores opciones que puedes obtener cuando se trata de pedir dinero prestado. Con la Tasa de Porcentaje Anual (APR) y las tarifas adecuadas que estar\u00e1n disponibles para ti, puedes cubrir tus necesidades inmediatas con el pr\u00e9stamo que realices.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Al solicitar un pr\u00e9stamo personal sin garant\u00eda, hable con un equipo experto en pr\u00e9stamos. Payment1 ofrece aprobaciones r\u00e1pidas y pagos autom\u00e1ticos. Con sus pr\u00e9stamos a tasa fija, nunca tendr\u00e1 que preguntarse cu\u00e1nto tiene que pagar. <\/span><a href=\"https:\/\/payment1.com\/es\/contact-us\/\"><span style=\"font-weight: 400;\">Obt\u00e9n un pr\u00e9stamo de Payment1 hoy<\/span><\/a><span style=\"font-weight: 400;\"> y descubre qu\u00e9 tan f\u00e1cil es obtener un pr\u00e9stamo que funcione para ti.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Do you need some extra money to finance some significant event in your life? Whether it\u2019s for a big vacation or a home renovation, an unsecured personal loan can give you the relief you need. It is one of the most straightforward loan options that you can get to help in a time of need. [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":29746,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[28,30],"tags":[113,112,104],"class_list":["post-29745","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-personal-loans","tag-financial-education","tag-loan-management","tag-personal-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Unsecured Personal Loans: What is it and How Does it Work - Payment 1<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/payment1.com\/es\/2021\/12\/prestamos-personales-sin-garantia-que-son-y-como-funcionan\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Unsecured Personal Loans: What is it and How Does it Work - Payment 1\" \/>\n<meta property=\"og:description\" content=\"Do you need some extra money to finance some significant event in your life? Whether it\u2019s for a big vacation or a home renovation, an unsecured personal loan can give you the relief you need. It is one of the most straightforward loan options that you can get to help in a time of need. 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