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fincrif · 5 months ago

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Can You Get a Personal Loan with No Income Proof?

A personal loan is a great way to manage financial needs like medical emergencies, home renovations, weddings, or debt consolidation. However, most banks and financial institutions require income proof—such as salary slips, bank statements, or Income Tax Returns (ITR)—to assess the borrower’s repayment capacity.

But what if you don’t have income proof? Can you still get a personal loan?

The good news is yes, you can still qualify for a personal loan even without income proof. While it may be more challenging, there are alternative ways to convince lenders of your ability to repay. In this guide, we’ll explore how you can get a personal loan without income proof, the best alternatives, and tips to increase your chances of approval.

🔗 Need a hassle-free personal loan? Explore options at FinCrif Personal Loan.

1. Why Do Lenders Require Income Proof?

Lenders use income proof to assess a borrower’s financial stability and ability to repay the loan. Income proof typically includes:

Salary slips (for salaried employees)

Bank statements (showing salary credits or business earnings)

Income Tax Returns (ITR) (for self-employed individuals)

Without income proof, lenders may consider you a high-risk borrower, leading to loan rejection or higher interest rates. However, there are several ways to still qualify for a personal loan.

2. How to Get a Personal Loan Without Income Proof

If you don’t have income proof, you can still secure a personal loan using these alternative methods:

Option 1: Apply for a Secured Loan

A secured loan requires you to pledge an asset (collateral) to the lender in exchange for the loan. Since this reduces the risk for the lender, they may approve your loan even without income proof.

Collateral Options for Secured Loans: ✅ Gold Loan: Borrow against your gold jewelry or coins. ✅ Loan Against Fixed Deposit (FD): Get a loan of up to 90% of your FD value. ✅ Loan Against Property (LAP): Use real estate as collateral. ✅ Securities-Based Loan: Pledge stocks, mutual funds, or insurance policies.

Secured loans offer lower interest rates and easier approval, making them a great alternative if you lack income proof.

Option 2: Show Alternative Sources of Income

Even if you don’t have traditional salary slips or ITR, you can still demonstrate income through other means:

✅ Freelance or Gig Income: Provide invoices, contracts, or bank statements showing regular payments from clients. ✅ Rental Income: If you own property and earn rental income, show lease agreements and rent receipts. ✅ Side Business or Part-Time Work: Submit cash flow statements or digital payment records. ✅ Pension or Retirement Funds: If you receive pension payments, they can serve as income proof.

Lenders may consider these alternative incomes if they are stable and sufficient to cover loan repayments.

Option 3: Apply with a Co-Applicant or Guarantor

If you don’t have income proof, applying with a co-applicant or guarantor can improve your chances of loan approval.

✔ Co-Applicant: A family member or spouse with a stable income can apply jointly for the loan. ✔ Guarantor: Someone with a strong financial profile guarantees to repay the loan if you default.

Having a co-applicant or guarantor reduces the lender’s risk, increasing your approval chances.

Option 4: Maintain a Strong Credit Score

Even without income proof, a high credit score (750 or above) can improve your chances of securing a personal loan. Lenders may approve your loan based on your creditworthiness and past repayment history.

How to Improve Your Credit Score: ✅ Pay credit card bills and EMIs on time. ✅ Keep your credit utilization below 30%. ✅ Avoid multiple loan applications in a short period. ✅ Check your credit report regularly and fix errors.

A strong credit score shows lenders that you are a responsible borrower, increasing the chances of loan approval.

Option 5: Opt for Instant or Pre-Approved Loans

Some banks and NBFCs offer pre-approved personal loans based on your credit history and banking relationship. If you have a good banking record with a lender, you might qualify for an instant loan without needing to submit income proof.

Check with your existing bank to see if you are eligible for a pre-approved loan based on your financial activity.

🔗 Want a pre-approved loan? Explore options at FinCrif Personal Loan.

3. Which Lenders Offer Personal Loans Without Income Proof?

Not all lenders require strict income documentation. Some banks, NBFCs, and digital lenders have relaxed policies for personal loans, especially for freelancers, self-employed individuals, and those with alternative income sources.

When choosing a lender: ✅ Look for lenders offering low-documentation loans. ✅ Compare interest rates and processing fees. ✅ Check if the lender accepts alternative income proofs.

Some digital lenders also use AI-based credit assessment, which considers spending habits, online transactions, and financial behavior instead of just income proof.

4. Things to Consider Before Applying for a Loan Without Income Proof

Before applying for a loan, keep these factors in mind to increase your approval chances and avoid loan rejection:

✔ Borrow Only What You Can Repay: Without income proof, lenders may charge higher interest rates. Borrow responsibly. ✔ Check Loan Terms Carefully: Read the interest rates, processing fees, and repayment conditions before applying. ✔ Avoid Multiple Applications: Applying for multiple loans at once can hurt your credit score. Choose a lender carefully and apply only when needed. ✔ Keep a Strong Financial Profile: Even if you lack income proof, maintaining consistent bank balances and timely bill payments improves your credibility.

5. Alternatives to Personal Loans Without Income Proof

If you struggle to get a personal loan, consider these alternative borrowing options:

✅ Gold Loan: Easy approval with minimal documentation. ✅ Credit Card Loan: Convert your credit card limit into an instant loan. ✅ Peer-to-Peer Lending: Borrow from private lenders on P2P platforms. ✅ Overdraft Facility: Use your bank’s overdraft option if you have an account with them.

These options can provide quick funds when traditional personal loans are not available.

Getting a personal loan without income proof is possible, but it requires careful planning. You can improve your approval chances by:

Opting for a secured loan (gold loan, FD-backed loan, or loan against property).

Showing alternative income sources (freelancing, rental income, or pension).

Applying with a co-applicant or guarantor with a stable financial background.

Maintaining a high credit score to prove financial responsibility.

If you need a hassle-free personal loan, explore options at FinCrif Personal Loan for customized loan solutions.

With the right strategy, even individuals without formal income proof can secure a reliable personal loan and manage their financial needs effectively.

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eu-nicola · 8 months ago

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Morocco part 1

summary: Rafe says goodbye to Sofia and leaves her in outer banks while he goes to Morocco, where you are also and the danger that happens there rekindles the spark both of you thought had lost

warnings: mention of death, weapons, cheating, pregnancy, etc. only things of s4

word counter: 9000

author's note: spoilers of s4, many things have been changed but there are still spoilers, english is not my first language, this is long so get ready to read

There was a warm breeze blowing in from the ocean, bringing with it the smell of salt and adventure. You stood on the shore, watching the waves crash against the sharp, black rocks of the Outer Banks coastline. The sunset dyed the sky deep oranges and reds, painting long, brooding shadows across the sand. In the distance, the lighthouse flickered with its intermittent light, marking time. Your thoughts were filled with questions now that you were going to Morocco, and Rafe’s silhouette approaching along the wooden walkway only intensified that unease.

Rafe had that look in his eyes that you had always found difficult to read, a mix of defiance and nonchalance that gave him an almost untouchable air. He walked with a confident gait, hands in his pockets, white shirt fluttering lightly in the wind. When he was close enough, you stopped, feeling tension take hold of your muscles. He noticed your expression and, without a word, stood beside you, staring out at the ocean as if you shared a secret that only he understood.

“How are you?” you asked, breaking the silence with a voice that sounded shakier than you had planned. It wasn’t a casual question; you both knew he was carrying a heavier weight. His eyes narrowed just a little, and after a moment that seemed like an eternity, he let out a sigh.

“Sofia is going to stay here,” he said suddenly, as if he had been waiting for you to ask. His words fell like stones to the bottom of your stomach, sinking you into a feeling of emptiness. “I didn’t want to risk taking my future wife to Morocco.”

It took your mind a while to process what he had just said, as if your brain had hit an unexpected wall. Future wife? The icy surprise ran across your skin, leaving you feeling cold in the stifling summer heat. You forced yourself to keep your composure, to not let the confusion become visible, but it was too late: Rafe was already watching you with that look that knew too much.

“Are you engaged?” you finally asked, trying to make your voice sound natural, but feeling the lump in your throat tighten a little more with each word. He gave you a slight smile, which barely curved his lips, but was reflected more intensely in his eyes.

“Yes,” he answered, and the weight of that simple statement crushed your chest. You looked back at the horizon, looking for a respite in the immensity of the sea. The waves continued to break, indifferent to human emotions, while you struggled to maintain the balance between surprise and the pain that you did not dare to let out.

Rafe nodded, his smile wider and more sincere than yours. “Thank you,” he said in a tone that revealed a kind of relief, as if he had been waiting for your reaction with hidden caution. There was a moment of silence, awkward and dense, in which neither of you moved or looked away from the ocean. The waves continued their eternal back and forth, and for a moment you wondered what it would be like to be anywhere else in the world, a place where Rafe’s words couldn’t reach you and where the echo of “future wife” didn’t resonate in your mind like a persistent hammering.

The breeze blew harder, carrying with it the echo of distant laughter and the voices of seagulls, and as Rafe looked back out to sea, you felt everything moving around you, except you.

You fell silent, allowing the sound of the sea and the wind to carry away the unspoken words. You didn't want to talk about Rafe's engagement anymore, or about Sofia, or what it meant to you. You had learned to swallow your emotions, to let them burn inside you until they became something more bearable, like ashes after a fire. So you didn't say anything. You just nodded almost imperceptibly and took a step back, as if you were walking away from a conversation that had already ended.

Rafe watched you with fleeting curiosity, but he didn't insist. He, too, knew when it was best to leave things as they were. Without another word, he turned around and walked back along the same wooden path he had come by, his footsteps echoing in the increasingly dark afternoon. You stayed a few seconds longer, trying to let the cold in your chest dissipate and your breathing return to a normal rhythm.

When you finally turned around, your thoughts were already far away from there, beyond the ocean, in the dunes of Morocco, in the legends surrounding the Blue Crown. That relic had been the center of stories and rumors among treasure-hunting circles, a lost jewel whose importance went beyond wealth: it was said to have the power to change the fate of whoever possessed it. And now, it was sought not only by you and Rafe, but also by the Pogues, and others.

You had no time to be distracted, and you couldn't let your emotions prevent you from acting with the coolness that the situation required. You returned to your home where on the worn wooden table, the map of Morocco was spread out, with handwritten notes and markings indicating the places you had investigated before. You sat down, letting the weight of determination replace the pang of jealousy and disappointment you still felt.

You looked through your things: an old compass that had belonged to your grandfather, oil lanterns, a sharp knife, and a copy of a manuscript with cryptic clues about the location of the Blue Crown, clothes, and a lot of money.

As night fell over the Outer Banks and the stars began to twinkle in the sky, you promised yourself that you would find the Crown, no matter how many obstacles stood in your way. You weren’t interested in having it, but in what it took to have it, the deals you could make, and how proud your father would be if you did. It would be your victory, your vindication with your father after he nearly “killed” you when he found out you weren’t with Rafe anymore and you ruined his perfect life by not marrying a Cameron. You pushed those memories from your mind, focusing your eyes on the map and letting the adrenaline and obsession with the search take over.

Tomorrow, everything would change.

The Moroccan sun was merciless, a golden blaze that seemed hell-bent on burning your skin and sapping every ounce of energy you had. The air was dry, with a hint of sand that seeped into your mouth and stuck to your skin. You walked through a bustling market, where the aromas of spices, leather, and sweat mingled in a heady, chaotic mix. Vendors shouted in Arabic and French, selling everything from hand-woven rugs to intricately detailed gold jewelry. Despite the fascination you could feel for the place, the heat made every step a struggle.

“Damn heat,” you mutter as you wipe the sweat from your forehead with the back of your hand. Your clothes, light but already soaked, clung to your skin uncomfortably. You were tired, overwhelmed, and everything seemed even more complicated in the middle of that maze of narrow streets.

Behind you, you hear a low, familiar laugh. “Are you really complaining about the heat?” Rafe’s voice comes with a hint of sarcasm you know well. He’d joined the expedition at the last minute. He wore dark sunglasses and a smile that made him seem completely unfazed, even under the relentless desert sun.

“It’s not that different from home,” he adds, raising an eyebrow and giving you a look that mixes defiance and complicity. His words hit you with an unexpected truth, and although you hate to admit it, you agree with a slight nod.

“You’re right,” you acknowledge, trying not to show the irritation you felt. Outer Banks might be stifling, humid, and wild, but this dry, scorching heat had its own way of imposing itself. Still, the comparison was still valid.

Rafe stops next to a stall where an old man sells copper and silver amulets. He takes one between his fingers, examining it with that calm attention he used to display before making a major move. His presence is as familiar as it is exasperating, a constant that forced you to stay alert.

“Don’t forget what we’re here for,” he murmurs without looking at you, as he returns the amulet to the old man with a polite smile. His words bring you back to the present, to the mission.

You take a deep breath, letting the warm air fill your lungs and force you to focus. “I never forget,” you reply, and although your words sound firm, you both knew that heat, distractions, and personal tensions were silent enemies.

Rafe smirks, a gesture that could be either respect or mockery. Then, without further ado, he walks into the crowd, motioning for you to follow him.

Hours later, night fell over Morocco with the speed of a closing curtain, leaving the air still warm and charged with the promise of new intrigue. The market streets, which during the day were a hive of life, were transformed into a labyrinth of shadows and flashing lights, where low-voiced conversations and distant laughter mingled with the hum of oil lamps. You found yourself in one of these streets, walking briskly alongside Rafe, whose eyes seemed to scan every corner, alert for any sign of movement.

You knew the Pogues were in town. They’d been following the treasure trail for almost as long as you had, and though your paths had crossed in the past, you’d never considered joining them. Until now.

“Are you sure about this?” you asked Rafe, feeling the weight of doubt like a stone in your stomach. It was an idea that had seemed absurd to you when it first came up, but the more you thought about it, the more logical it made. Two opposing forces joining forces for a common goal. But with Rafe, you could never be completely sure of anything.

Rafe cast a glance over his shoulder, his lips twisting into a smile that was more of a warning than a friendly gesture. “Relax. It suits them as much as it suits us.” You stopped at the edge of a crossroads, the yellowish light of a streetlamp illuminating half of his face and leaving the other half plunged into darkness. “Don’t worry so much, if there’s one thing I know about them it’s that they can’t resist an opportunity,” she added, lowering her voice and moving closer.

The meeting was scheduled in an old warehouse near the port, a place where stacked wooden boxes and hanging ropes created a scene that seemed straight out of a pirate tale. The place smelled of salt and damp wood, and the echoes of the waves crashing against the docks filled the space with a constant murmur. When you arrived, the Pogues were already there, standing in a tense semicircle, exchanging glances and whispers. John B, with his disheveled hair and alert expression, was the first to spot you. Beside him, Sarah tensed her jaw at the sight of Rafe, and you couldn’t blame her. The wounds between them ran deep, scars that would take a while to heal, if they ever did.

“What are you doing here?” JJ’s voice was the first to break the silence. His eyes, normally full of spark and humor, were now hard as steel. Kie stood beside him, arms crossed and an expression that clearly said he didn’t trust what was happening.

Rafe raised his hands, as if to show he had no ill intentions. “Relax. We’re not here to fight. We’re here to help.”

“Help?” John B repeated the word as if it were a joke, and a bitter laugh escaped his throat. “Why the hell should we trust you?”

“You shouldn’t,” you intervened, taking a step forward. All eyes fell on you, and you felt the weight of uncertainty in each gaze. “But if we want to find the Crown before others do, we have no choice. Rafe and I know things, we have clues that can lead us to it. And you also have information that we need.”

There was a moment of tense silence. Eyes met, searching for answers that neither was willing to give. Pope was the first to move, tilting his head and narrowing his eyes as if he were assessing the situation. “What kind of information?” he finally asked, his tone calculating and full of caution.

Rafe smiled, and you knew he’d been waiting for that question. “We know the last clue leads to a site in the Atlas Mountains. But it’s not a place you can get to with maps and courage alone. You need someone who knows the terrain, and we just happen to have people who do.”

Kie let out a sigh, lowering her arms and casting a quick glance at her friends. “It’s crazy,” she muttered, though there was a glint in her eyes that suggested the idea, as dangerous as it was, intrigued her.

John B gritted his teeth, his gaze shifting from you to Rafe, then to his friends. There was a decision to be made, and you both knew it. Finally, he nodded, though not willingly. “Okay, but if this is a trap…”

“It’s not,” you interrupted. And though your words were firm, you knew that everyone there had reasons to doubt. The alliance was not perfect, and past scars still hurt. But in the search, distrust would be a luxury they could not afford.

Rafe crossed his arms, pleased, and looked at John B with a flash of defiance. “Then we better get started. The mountains aren’t going to wait for us.”

The group exchanged glances, a tacit agreement that felt like a leap into the dark.

Dawn in Morocco came with unexpected warmth, as if the sun had risen early with the sole purpose of testing everyone’s patience. The souk, which had just awakened with the first light, was filled with life in a matter of minutes: merchants displayed their wares, children ran through the alleys, and the air was filled with the aroma of spices and freshly baked bread. The relative calm of the morning didn’t last long.

It had been barely two days since you formed that precarious alliance with the Pogues and, as you feared, things quickly went awry. You weren’t sure what exactly had caused the chaos – whether it was Rafe trying to “get information” the way he usually did, or whether it was an unfortunate run-in with another group of treasure hunters who had gotten wind of the treasure. The truth was that you now found yourself running at full speed between clay buildings and narrow alleys, the sound of your footsteps echoing off the walls as the screams and curses of your pursuers filled the air behind you.

“Rafe! This is madness!” you shouted as you dodged a fruit stand that you nearly knocked over in your wake. Oranges rolled across the ground, and the merchant let out an enraged scream that was lost in the melee. Rafe, running beside you with a grin that bordered on reckless, barely turned to look at you.

“Calm down, I’ve got it under control!” he replied in a tone that made you want to punch him in the midst of all the confusion. The shadow of a smile remained on his face, as if this was all just a game and not a race to keep his skin intact.

“You better fix it, Rafe!” you roared, feeling the burn in your legs and the metallic taste of effort in your mouth. “I wanted at least a couple of good days in Morocco!” You couldn’t remember the last time you’d had a moment of true tranquility, and in that instant, the desire for everything to be different mixed with the adrenaline that drove you to keep running.

Rafe let out a laugh, one you didn’t know whether to admire or detest. “Good days? That’s not part of the deal, friend.” His words seemed laden with irony, but also with a truth that stuck in you like a thorn.

You turned a corner and felt the sunlight hit you directly in the face, blinding you for a crucial second. You staggered and almost fell when you tripped on a small step, but Rafe grabbed your arm and pushed you forward without stopping. The footsteps behind you were getting closer, and you could hear shouts in Arabic that, although you didn’t fully understand, made it clear that the intentions were anything but friendly.

“To the right!” Rafe shouted, letting go of you and pointing down a side street that seemed narrower than the one before. Without thinking, you turned, your heart pounding in your chest like a crazed drum. The alley narrowed even further, and the terracotta-colored walls seemed to close in around you. You could feel the adrenaline bubbling through your veins, sweat soaking through your shirt, and the sound of the chase ringing in your ears as a constant reminder of how close they were.

Suddenly, a thud to your left caught your attention: John B and JJ had emerged from a hidden passage, expressions mixing surprise and relief at seeing you. “What the hell did they do now?!” JJ shouted, a spark of reproach in his eyes.

“This isn’t the time for details,” you replied between gasps, and without stopping, you walked past them, followed by Rafe, who still had that impassive smile.

“We have to split up,” John B said, taking the lead and pointing with a sharp gesture. “We’ll meet at the meeting point! Go that way!” And before you could answer, he and JJ disappeared into another narrow passage, like moving shadows.

You and Rafe kept running, the chase now divided and the sound of footsteps diminishing. The alley opened up into a small square, where the midday shadows were deeper. There, you leaned against a wall, trying to catch your breath and process what had just happened.

Rafe glanced at you, his breathing ragged but a spark of excitement in his eyes. “You see,” he said, wiping the sweat from his brow with a quick gesture, “this is what makes everything more interesting.”

You looked at him, feeling a mixture of exasperation and a strange camaraderie wash over you. Maybe he was crazy, or maybe you were crazy for keeping up with him.

After the chase, everything had calmed down, they continued doing their thing during the day and at night when they went to rest at a place where they were staying while you slept you were startled by a thud in the next room. You barely had time to stand up when the door was flung open and a tall man, with scars on his face and eyes as dark as night, pointed a gun at you. “Not a single move, girl,” he hissed in broken English, the threat in his voice as clear as the gun in his hand.

Rafe, who was in the other room, burst in without a second thought. The fight was quick, a clash of bodies and blows that echoed in the small room like war drums. With your heart racing, you searched for something, anything to defend yourself, and your fingers found an old metal lamp. You didn’t think about it. With all the strength you could muster, you threw it at the intruder’s head, the metallic sound echoing as it hit him and sent him reeling.

“Get out!” Rafe shouted, his voice a roar that snapped you out of your trance. You moved toward the door as he finished subduing the intruder. Outside, the streets were deserted, a blanket of silence that was almost as dangerous as the bustle of the crowd. You knew they couldn’t stay there. They had to move.

The next day, things only got worse. Despite having agreed on a meeting point with the Pogues, the pressure of being under constant surveillance and dodging suspicious glances became unbearable. Pope had managed to decipher an ancient map that seemed to lead to a cave in the Atlas Mountains, but they hadn’t counted on the other hunters who caught wind of the advance.

The chase began in the market, with the clatter of falling pots and screams from confused vendors who barely understood what was happening. You leapt up a stone staircase that led up to the rooftops, Rafe hot on your heels and JJ and Kie a few feet behind, bringing up the rear. From above, the flat roofs of the souk stretched out like a makeshift battlefield, dotted with hanging clothes and rusty antennas. The air was thick with heat and dust, making every breath a challenge.

Gunshots rang out in the distance, the echo spreading through the streets like a wave. You threw yourself to the ground just in time to avoid a second shot, feeling adrenaline turn your fear into a searing drive. Rafe held out a hand and helped you up, the urgency in his eyes clearer than ever. “We have to get down from here now!” he shouted over the din, pointing to an old staircase that led to a narrow alley.

They managed to climb down and into the tangle of streets, but the sense of impending danger never left. The group briefly took refuge in a cellar, where John B pulled out the map and spread it out on a splintered wooden table. “The cave is close, but we need to make a detour. We’re being followed closely,” he said, his gaze fixed on the markings that indicated a winding path into the mountains.

The tension in the air was palpable. No one fully trusted Rafe, and Kie kept giving you worried glances, as if trying to gauge how much more you could take. You were tired, exhausted, but at the moment the idea of stopping seemed as far away as peace itself.

That night, when the group decided to split up, you found yourself alone with Rafe in a dark passage, the echo of screams and gunshots still haunting you. The shadows on the stone walls seemed to lengthen and twist as if they were alive, too, watching you. You walked in silence, your breathing still ragged and your body on high alert. Rafe, ever alert, stopped suddenly and put a hand on your arm. The touch was cold, but it also had a hint of urgency that made you still.

“Listen,” he whispered. You barely noticed the sound of footsteps coming toward you, slow and calculated. Before you could process it, someone grabbed you from behind and dragged you into the darkness of an alley. You kicked and punched, fighting with all your might as Rafe tried to reach you.

You knew you had been missing for no more than a couple of hours, you had learned to count time without a watch and without getting lost and you knew that you had been exactly two hours with your head covered, except for your mouth.

In an unexpected twist, it was John B who appeared out of nowhere, pulling your captor and slamming him against the wall with a force that seemed impossible for his build. Once free, you breathed heavily, feeling the world around you blur. You were tired, but John B’s gaze, full of concern and determination, reminded you that you were not alone.

“We have to move. Now,” he said and you quickly followed.

The streets began to calm down as John B led you through a maze of passages further and further away from the bustle of the souk.

Finally, John B stopped in front of an old wooden door, dark with age and dust. He knocked three times in a rhythmic manner, and the door creaked open. You entered behind him, feeling tiredness creeping through your body like an unbearable weight. The small room you entered was lit by an oil lamp in one corner, casting a dim light that made the shadows lengthen and distort.

There, sitting in a chair with an expression somewhere between worry and relief, was Rafe. When he saw you, his eyes lit up with a flash of excitement that he quickly tried to hide under a facade of serenity. You had no time for words; you threw yourself at him, hugging him tightly, feeling the warmth of his body and the accelerated beat of his heart under your arms. For a moment, nothing else mattered.

Rafe hugged you back, his grip firm, almost desperate. For an instant, he wasn’t the troubled, arrogant man you’d shared so many moments of uncertainty with, but someone who shared the weight of the same struggle, the same fear, and the same need to find respite amidst the chaos.

“I thought I’d have to kill someone to find you,” he murmured, his voice husky near your ear, heavy with a feeling he couldn’t or wouldn’t admit. You felt his hands tighten around you, as if he feared that if he loosened his grip, you might disappear into the dimness of the room.

“I almost did,” you admitted, pulling back just enough to look him in the eyes.

John B coughed softly, breaking the tension in the air and reminding you that you weren’t alone. You looked over at him, and behind him, JJ and Kie had gathered, each with expressions ranging from relief to distrust. Kie smiled briefly, but JJ kept his stance alert, always the first to suspect Rafe.

“We need to decide our next move,” John B said, crossing his arms and glancing around at everyone in the room. “Those following us aren’t going to stop, and the cave in the mountains isn’t going to sit around waiting for us.”

Rafe let out a low, almost inaudible laugh and looked away, as if he was considering John B’s words. You felt the knot in your chest slowly unravel, replaced by the determination they all shared: to find what they were looking for.

After the conversation, the small room fell into a heavy silence, interrupted only by tired sighs and the occasional creaking of chairs. The tired looks, the few words. The adrenaline of the day was finally beginning to fade, and exhaustion took its place with relentless force. John B and the others found corners in the room to rest, spreading threadbare blankets on the floor and chairs.

Rafe looked at you and nodded silently, both of you knowing you wouldn't stay there. Without exchanging another word, you walked out the back door, into the shadows of the streets of Marrakech. You walked in silence, unhurried but not stopping, following the paths you already knew by heart. The house you shared was a few streets away, a replica of the many modest buildings in the neighborhood, but set back enough to offer you a semblance of privacy and safety.

Upon arriving, Rafe opened the door and let you in first. The interior was dark and cool, a welcome welcome after the scorching heat of the day and the tension that seemed to have been tied to your back like a weight. You closed your eyes for a moment, allowing yourself to feel the ephemeral peace of the place, before letting out a deep sigh and moving towards the small room in the back, where a low, simple bed awaited you.

Rafe stood in the doorway, watching you with a mix of tiredness and something else you couldn’t quite make out. “Do you want me to make you something to drink?” he asked, his voice soft and husky.

You shook your head as you kicked off your shoes and dropped onto the bed. “No, I just… need to sleep. It’s been too much for today.” You laid down on your side, hugging one of the pillows and feeling your eyelids begin to droop. You didn’t expect Rafe to do the same, but suddenly you heard him move. The floorboards creaked beneath his feet, and the lamplight flickered for a moment before he blew out the last spark and everything went dark.

You flinched slightly as you felt the weight of the bed dip beside you. You turned your head, and though you could barely see his features in the darkness, you could feel his proximity, the heat radiating from his body. “I’m not staying in that house with them,” he murmured, like an explanation, though you didn’t need one. You didn’t respond, just closed your eyes, too exhausted to think about what it meant.

The silence stretched between you, only broken by the slow, deep breaths that began to come together. Without realizing it, as tiredness dragged you to sleep, you turned a little, looking for a more comfortable position. Your hands brushed Rafe's arm, and he moved barely, as if responding to your touch was a reflex. Before you could think about what was happening, you felt his arm slide around your waist, pulling you towards him. It was a protective, warm gesture, and although at another time you would have said something, in that instant you only sighed, feeling your body relax completely.

With his breath close to your ear and the safety of his arms around you, the tension that had accompanied you for days finally dissolved.

The next morning the sun began to filter through the cracks in the window, filling the room with a soft light that contrasted with the darkness you had fallen into the night before. You woke up slowly, eyelids heavy, body still marked by the tiredness of the day before. Without moving, you felt the warmth of Rafe’s body beside you, his arm still around your waist, and for a moment you couldn’t help but smile quietly.

You tried to turn around to get out of his embrace without making a sound, hoping you wouldn’t wake him, but when you tried to move, something pulled at you. Rafe, still asleep, pulled you closer to him, a gesture so automatic that it made you sigh silently. Your body tensed at first, but then you realized it couldn’t be that bad, at least for a moment longer.

“Don’t go,” he murmured quietly, his tone rough with sleep. The softness of his words made your chest tighten unintentionally.

You stayed still for a second, staring at the ceiling, feeling the warmth of his embrace envelop you, as if the entire world had disappeared, leaving only that small corner of peace between the two of you. But reality, as always, quickly took over. You didn’t want to be that person, you didn’t want to confuse yourself or complicate things further. It was a hug, nothing more.

“Rafe...” you began quietly, almost afraid to interrupt the peace that had formed between you. “I’m not Sofia.”

The sound of his breathing changed, and then, with a calmness that surprised you, he replied, “I know,” as he held you even tighter against his chest. His words were soft, as if there was nothing to clarify, nothing to change. “I just… want to keep sleeping.”

Despite his relaxed tone, you couldn’t stay there all day. You already knew that time was pressing, and things were still moving outside of that little bubble of calm you’d shared with him. “There are things to do, Rafe,” you said, your tone firmer this time. “And we need to eat.”

A frustrated sigh escaped his lips at that moment, but eventually he relented. His body tensed a little as, with a grimace, he began to pull away from you, his arm finally releasing you, though his gaze was still a little clouded by sleep.

“It’s okay,” he said, sitting up with a hand on his head, as if trying to clear his head a little before getting up. “But only because you have to eat.”

The smile that escaped you upon hearing his tired, yet resigned tone was almost inevitable. You got up first, stretching and looking for clean clothes. As you watched him prepare his way to get up.

After a simple but necessary breakfast, with the morning warmth streaming in through the windows, the pace of the day continued. The conversations about the map and the cave in the mountains were quickly forgotten as each of you went about your own business. The chaos and paranoia of the day before had subsided, but danger was still present in every corner of Morocco, lurking in the darkness, waiting for the right moment to emerge.

Rafe, as always lately, had decided to act without thinking too much about it. There was something in his nature that pushed him to throw himself into risky situations without measuring the consequences. And, as always, it ended in trouble.

That trouble came in the form of an old acquaintance who appeared in the square, with clear intentions of collecting old debts. Rafe tried to negotiate, to talk to him in terms he clearly didn’t understand, while you watched from afar, feeling a growing unease in your stomach. There was something about the man’s posture, his cold gaze, that told you that they weren’t going to get out of this well.

The exchange of words escalated quickly, the tone of the conversation going from tense to aggressive in seconds. You knew it wasn’t going to end well, but what you didn’t expect was what happened next.

The man moved quickly, his hand searching for something in his jacket. You didn’t need to be told, it all happened in the blink of an eye. Rafe had backed away, but the man already had a gun in his hands, and his intention was clear. Rafe’s gaze hardened, and in that moment you understood that he couldn’t escape.

The man raised the gun towards him, and the world seemed to slow down for an instant. You knew there was no time to think about it. Fear transformed into action without your brain being able to fully process it. Without thinking, you pulled out the gun you had taken from the cellar the night before. In one swift movement, you aimed and fired.

The sound of the gunshot rang through the air, the echo repeating in your ears as the man fell to the ground, with a grunt of pain, the gun slipping from his hand. Quickly, you turned to Rafe, who was only a few feet away from you, watching what had happened with a mix of surprise and gratitude, but also with the awareness of what had just happened.

“Are you...?” you began, but the words got caught in your throat. Adrenaline was still flowing through your veins, making your hands shake slightly, but there was no time to reflect.

Rafe, after a moment of silence, finally spoke. “Well done,” he said in a tone you couldn’t quite read. But there was something in his gaze, a deep gratitude, and also a concern that he didn’t want to admit.

“It’s nothing,” you lied, quickly putting the gun away, though your heart was still racing. “Be careful, I need you to be the Rafe who makes deals with the worst people possible and comes out on top.”

Rafe didn’t say anything. He looked at the fallen man, then turned to you, and without another word, he nodded. “Let’s move on.”

The two of you walked quickly, away from the scene, the shadows of the streets covering you. Rafe walked a few steps ahead of you.

Your breathing was still irregular, the adrenaline already starting to wear off. The question that had formed in your head escaped your mouth, more out of impulse than out of need to know the answer.

“Isn’t there a minute where we have peace? Where I don’t have to get your ass out of some trouble?” you blurted out, the irony in your voice evident. You didn’t know if you wanted to laugh or scream, but something about the situation made you blurt out that question as if it were the most obvious thing in the world.

Rafe, without turning around, let out a dry laugh, the one you already knew was the only way he had to deal with the situation, a defense against the chaos that surrounded him. “Like with Sheriff Peterkin,” he said, and although his words seemed light, there was something in his tone that he couldn’t hide: the heaviness of that memory.

The mention of the policewoman made you pause for a second. You knew exactly what he meant. That time, long before they got to this point, you remembered the local police who had almost caught Rafe and his family, so he took it upon himself only for reasons that were never fully understood, your father intervened, paying whatever it took to cover it all up.

You knew that, in some way, your father’s hand was always present, ensuring that Rafe’s problems didn’t affect him, although it had left you with a bitter feeling in your stomach. Your father never talked about these situations, but it was clear that he had ways of cleaning up messes that others couldn’t. And in some way, he included you in his world, which you were used to and liked.

“I know,” you answered with a wry smile. You couldn’t help but think of everything you had done to protect Rafe, everything you had put aside for him, for his sake. And what did you get in return? More trouble, more chaos. But at the same time, you couldn’t deny that something about that connection dragged you down, something you couldn’t control.

Rafe glanced at you out of the corner of his eye, and for a moment, his eyes softened, as if you were reading his thoughts. “Thank you,” he said quietly, though it wasn’t the kind of thanks that made you feel completely at ease.

“Don’t be,” you replied quickly, feeling the moment become more tense than it already was. “I don’t need you to thank me, Rafe. This is what always happens. But I don’t want to be your fixer all the time.”

Silence fell between you again as you walked through the streets, the sun already warming the air uncomfortably. Your dress, though light at first, now felt sticky and dirty. Sweat ran down your back and the line of your neck, and the dust of the streets stuck to your skin only made things worse. You rubbed your forehead, desperate, and muttered more to yourself than to Rafe.

“This is unbearable. I’m sweaty, dirty, and… I need a bath urgently. This is torture.”

Rafe walked a few steps ahead, but his eyes shifted to you for a moment, as if he was trying to process what you had just said. He didn’t seem worried, but he did seem a little amused to see you in this state.

“I know, but it’s not the most important thing right now,” he said, in his usual, somewhat carefree tone. “We have to stay focused.”

You frowned as you brushed off your dress. “Yeah, sure, very focused… but I could be a lot more productive if I wasn’t so uncomfortable.” You looked around, realizing how ridiculous it sounded: here you were, running away from one problem after another, and all you could think about was a bathroom.

Rafe, noticing your tone, let out a low, amused laugh, as if the idea of worrying about something so mundane in the midst of all the chaos was completely absurd. “It’s not my fault you’re not going to take a bath with me,” he said, as if to joke.

You turned to him, one eyebrow raised, and prepared to respond, but before you could say anything, he gave you a small tap on the arm, almost playfully, while smirking. The way he did it seemed so natural, as if everything else around them disappeared for a second.

“Don’t be so dramatic,” he added between laughs. “You can wait a little longer before you get in the water.”

He looked at you with that lopsided smile that, despite everything, couldn’t take away the discomfort of being drenched in sweat and dirt. But you couldn’t help but laugh, despite how upset you were.

“Easy for you to say, right?” You said, trying to make a face, but you couldn’t help but crack a slight smile. “When you’re not the one stuck in a sticky dress with your hair stuck to your face.”

Rafe, hearing your tone, simply shrugged, still smiling. “I promise that once we get somewhere safe, you can shower all you want. In the meantime, just hold on a little longer. It’s not all that bad, right?”

You stayed silent for a moment, looking at his relaxed face as you walked. You knew he was partly right. In the end, the sweat and heat were nothing compared to what you had already faced. But, despite everything, you couldn’t help but think about how much good a nice bath would do you.

“Okay, but don’t make me wait too long,” you said in a more relaxed tone, feeling your body ease up a bit as the tension was released with those words. “Because really, Rafe, I need something more than water to cool off.”

Rafe, looking at you with that look of his, just nodded, and with a mischievous smile on his face, he replied, “I promise, just hold on a little longer.”

You pushed yourself gently against his arm, and laughed.

Although the hours had felt endless, they ended up being productive for you and Rafe. The search for clues had paid off, although not in the way you had expected. They had managed to find some things and talk to some people who would help them, and they had also made some important progress in getting an address that seemed more promising than the previous ones. Despite the discomfort of the heat, the chases they had barely dodged, and the tensions between them, you felt that the hours had been worth it.

The streets, which had previously seemed overwhelming and chaotic, now felt more familiar. They had managed to blend in a bit with the locals, and although curious eyes continued to follow them, they managed to move more confidently, at least until it got late. Finally, after a day of intense work and a couple of altercations, night fell over Morocco, and the cool breeze that was beginning to blow made you breathe a sigh of relief.

As the shadows lengthened, the city seemed to calm down a bit, the streets less hectic, the heat of the day slowly easing. You were tired, the sweat stuck to your skin was no longer just uncomfortable, but had left you feeling heavy. All you wanted at that moment was a bath, but you knew things couldn't be that simple.

Rafe had disappeared for a moment, perhaps to talk to someone or continue digging into some clue that had surfaced, but you couldn't wait any longer. You quickly walked to the house you had rented, the temporary shelter where you could only think about taking off everything you had endured that day.

Entering the small dwelling, you closed the door behind you with a sigh of relief. You no longer had to be on alert all the time. There was no immediate danger in sight, and at last, you had some time to yourself.

You quickly headed to the bathroom, where a large, old tub was waiting for you, filled with water that still felt somewhat warm, as if someone had prepared everything in advance. You didn't hesitate for a second and, without thinking twice, you began to undress, removing clothes soaked in sweat and dust from the day. Each piece of clothing you dropped on the floor seemed to take a little more of the weight off your shoulders.

You sank into the tub with a sigh of relief, letting the warm water envelop your tired body. You lay back with your arms outstretched on the edge, closing your eyes and letting the warmth surround you, covering you completely. Each bubble that formed on the surface seemed to soothe you more, as if you were letting go of all the stress and tension you had built up.

The sound of the water gently moving around you was the only thing you could hear, and for a moment, you felt like everything else was left behind. You only thought about yourself, and the movement of the water.

The warmth of the water was beginning to relax you completely, and every part of your body that had been tense during the day was slowly letting go. You had your eyes closed, enjoying the moment, when you finally managed to disconnect from everything else, even Rafe's presence. At last, you felt like the world could wait a little.

The soak in the tub was beyond relaxing. Without thinking, you began to completely relax, the hot, bubbling water enveloping your body as tiredness slipped away from you.

You allowed yourself to stay there for a few more minutes, enjoying the peace that so rarely came to you.

When you finally got out of the tub, you felt like new. The water had done wonders on your tired body.

You decided to replace the water in the tub before Rafe arrived. The water you had used was warm, but it wasn't as hot anymore, so you decided to fill it up again for him. You did this more out of instinct than anything else, you wanted to offer him some peace of mind after everything you had been through that day. The sound of the water flowing in the tub was the only thing you could hear as you prepared to go get some clean clothes.

You didn't notice it at first, but when you returned to the living room, you heard the door open. Rafe walked in with his tired, somewhat heavy gait, but it wasn’t until you turned to look at him again that you noticed something odd about his posture. Something about the way he walked, slightly hunched over, made you frown.

Rafe was hurt.

The sweat on his face and the blood stains on his clothes didn’t go unnoticed. There was some wound, perhaps superficial, but enough to make you worry. You hurried to approach him, but he raised his hand, stopping you before you could say anything.

“I’m fine,” he said, his voice tense but firm, as if he didn’t want you to treat him like he was a child. “Just a couple of scratches. A bath will do me good, and that’s it.” His tone was so direct that it left no room for further discussion, as if the idea of being helped was something he preferred to avoid.

You stared at him for a moment, feeling a lump form in your throat. You wanted to help, to do something, but you knew Rafe wasn’t going to let you do it. You knew him too well to know that he wouldn’t accept help easily, especially when it came to something as “minor” as a wound.

“I’ve already filled the tub for you,” you finally said, trying to hide how much it worried you to see him in that state. Your voice sounded calmer than you felt, but there was still a note of concern that you couldn’t hide. “It’s ready. Just… be careful, okay?”

Rafe looked at you with a crooked smile, that smile of his that used to be so trusting, but now seemed somewhat forced. “Thank you,” he said quietly, giving you a slight nod in thanks.

You stood there for a few moments, watching him head towards the tub, where he paused for a moment before beginning to strip off his blood and dirt stained clothes.

The tension in the air between the two of you was palpable, but in the end, you knew you couldn’t just leave him like that. If he wasn’t going to accept it, you would take the lead. No matter what was between you, you couldn’t leave him hurt and alone.

You approached the tub with a clear decision in your mind. Without thinking too much, you grabbed a clean rag and dipped it into the hot water. The sound of the water sliding down his skin, the warmth emitted by the steam, turned it all into a kind of calm that at first seemed disconcerting. Rafe stayed silent, watching you as you moved the cloth gently across his torso, careful not to touch his wounds, cleaning away the dirt that had accumulated on his body.

You didn’t think about his nakedness. You knew that, at this point, it was just a practical matter.

Rafe, despite the awkwardness of the situation, kept looking at you, and with a crooked smile, decided to break the silence. “Are you really doing this?” he said in a sarcastic tone, raising an eyebrow, as if he were in the middle of an awkward joke. “Aren’t you afraid of getting wet?”

You laughed despite yourself, almost unable to help it. The laughter came out of you spontaneously, lightening the heavy atmosphere that had formed a little. “If I get wet, I get wet. It’s not like I haven’t gotten wet before.” You replied, cleaning the part of his shoulder more carefully, always aware of the wounds.

Rafe’s sarcastic tone never faded, though at the moment it seemed more like a way to cope than anything else. He stared at you, but this time, something in his gaze changed.

“You’re beautiful,” he said casually, as if it were just a comment. But there was something in his eyes that left you speechless.

Your heart skipped a beat, and you immediately felt uncomfortable. For a second, you froze. “Please don’t say that,” you murmured, trying to look away to avoid him seeing it in your eyes.

The atmosphere between the two of you grew tense, as if the words were floating in the air, weighing more than anything you could say. There were too many things left unsaid between you, too many intertwined feelings, and the complications of everything going on in your lives. But, in that instant, the comment seemed to change something.

Rafe didn't respond immediately. Instead, he gently took your hand, guiding it through the water as you ran it over his chest. The closeness of his body, the way he touched you, made your breathing quicken. Before you could react, he pulled you towards him, into the tub, unexpectedly. The warmth of the water surrounding both of you only intensified the feeling of closeness, of warmth.

You stood there, not knowing what to do. Your whole body was telling you to get away, that it wasn't the time, that this shouldn't happen. But something in his gaze, something in the way he held you, made your own thoughts fade away. The doubts and voices in your head seemed to fade away when his lips met yours, in an intense but silent way, as if there was no turning back.

Despite what your mind was telling you, what was warning you that this could be a mistake, you couldn't help it. The touch of his body, the unexpected connection, made you lose control for a moment. The pressure in your chest disappeared, and for an instant, there was only the sensation of his lips, of his closeness, of the passion you hadn't planned.

You knew that, after all this, nothing would ever be the same again. But in that moment, you surrendered to the sensation, to the connection you both shared, even though everything around you told you not to let yourself go.

You both stayed there for a long time, in silence, only the sound of the water and the ragged breaths filling the air around you. There was no rush, no urgency to move away. The warmth of the water and the closeness of your bodies enveloped you, and for a moment, you let yourself go, you let the chaos of the world be replaced by the calm that only he could offer you in that instant. The tension between you seemed to slowly fade away, as if time had stopped and everything else no longer mattered.

When you finally pulled away from him, a little dazed, it was Rafe who broke the silence with a soft, but determined voice. “Come on,” he said, taking your hand gently.

You didn’t have time to say anything else before he led you out of the tub and into the bedroom, but you didn’t care. There was something comforting about the idea of spending the night with him, of sharing a space, even if it was just for a few hours. You felt calmer than you had in days, something you didn’t even know you needed until that moment.

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