Month: February 2019

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The online loans sector does not seem to be experiencing a crisis: as early as the end of 2014, Italian households approach to personal loans began to change, focusing increasingly on companies that operate mainly online rather than credit institutions. traditional.

The reasons for this success are many, first of all the speed of the response to the user, who in most cases receives a personalized quote very quickly and comfortably in their mailbox. Moreover, obtaining an online loan is generally easier and faster than through traditional channels, even if the usual checks on the financial situation of the applicant are carried out to try to minimize the risk of insolvency.

What do you usually ask for an online loan? There are many reasons for this, but it has been seen that Italian families tend to apply for a telematic loan to cope with the need to renovate the house or to buy or renovate furniture, to buy a new car, to consolidate debts. already existing or due to the need for liquidity.

How to apply for an online loan

Requesting an online loan does not involve a complicated procedure. To get a tailor-made estimate first and then apply for a loan, simply connect to the websites of the main financial institutions and submit your request.

Once you have decided to apply for a loan online, it is very often possible to follow the progress of your practice through your PC. If the loan application is accepted, the applicant will simply have to send his / her documents by mail, usually a document of identity, the tax code and a document attesting his income, then paycheck, pension slip or CUD.

Choice of online loan, what to evaluate

To assess whether an online loan is convenient and suitable for your needs, there are some parameters to be taken into consideration, which are more or less the same that should also be taken into account for traditional loans.

First, it is almost useless to say, the amount disbursed, the duration of the loan, and therefore the number of monthly installments required to repay the sum disbursed, and the amount of the installments, which must be sustainable based on your income.

Other elements that play an important role in choosing the most suitable online loan are the Tan, or the Nominal Annual Rate, which indicates the annual interest applied to a loan, and the Taeg.

The latter instead indicates the Global Effective Annual Rate, or the total cost of the loan, including both the ancillary costs and the costs of the preliminary investigation. However, we must not neglect to inquire about any additional expenses that are not included in the calculation of the Taeg, such as notary fees, taxes or state stamps.
Finally, it is good to read well all the clauses concerning possible additional insurance to be stipulated for greater protection of the lender, the possibility of early repayment of the loan and the need to ensure the presence of a guarantor that responds in case of insolvency of the applicant.

Errors not to be made when requesting an online loan

Although the procedure for applying for an online loan is generally faster than that required for a traditional loan, this does not mean that it is easier to obtain it.
In addition to the characteristics of the applicant, which are in any case carefully examined, there are some errors in the request for the loan that may jeopardize the success of the operation and therefore the granting of the loan.

The first mistake not to make when requesting an online loan, although perhaps it is superfluous to say, is to no longer require loans at the same time different financial: often these are connected to the same databases and will immediately realize that more requests have been forwarded and several institutions in the same period.
If the online loan has been refused, it is advisable to try again after at least thirty or forty days, ie the time necessary to eliminate the previous request (refused) from the databases. Otherwise, the new request will definitely be rejected again.

Another advice to apply for an online loan and to have a good chance of obtaining it is to choose, if necessary, the right guarantor, which possesses all the necessary features required by the bank or by the bank. First of all, it must have an impeccable credit history: never having been protested, having failed with previous loans or having suffered loan or loan losses from banks or financial institutions; secondly, it would be useful if it possessed goods or a useful asset.

Online loan types: fast online loan

The fast online loan is characterized by the extremely short time when the amount is paid from the moment the loan is granted: usually less than 48 hours. This is a non-finalized loan to cover unexpected expenses and is usually small, not more than 3,000 euros.

Fast online loans are completely managed via the web and are provided by both online banks and traditional banks that have decided to offer this service. The procedure is generally very simple: just connect to the website of the credit institution to which you want to apply for the loan and follow the instructions that are gradually given. As for the documentation, it is necessary to provide all the documents usually required to obtain an online loan, then a valid identity document and the attestation of a stable and continuous income, such as the paycheck or the coupon of the retirement. It is also necessary not to be registered on the lists of bad payers.

Once you have completed the online application and attached all the necessary documentation you can forward your request for a fast online loan, which will be evaluated by the bank very quickly; in case of a positive answer, the requested sum will be made available within 48 hours at the most.

In summary, the main advantages of a fast online loan are the convenience of carrying out the entire procedure from your municipality and, above all, the speed of response and possible payment of the loan. But there is also a downside: this type of financing, in fact, generally does not have a convenient rate of interest and should therefore be requested only if you need a loan very urgently.

Instant online loans, how to get them in 24 hours

The immediate online loans are a type of financing born a few years ago to cope with emergency situations by granting amounts generally not higher than 5,000 euros.
In these cases, the preliminary investigation phase of the practice is very rapid, especially if it is a finalized loan, which is the fastest loan term to be obtained. To request it you must present a valid identity document, tax code or health card valid and the copy of the last two paychecks or the last coupons of the pension.
In general, the response is obtained within a few hours, while the loan is paid within 24 hours.

Online loans without paychecks, how to apply for them

Online loans without paychecks, how to apply for them

Many lenders offer the ability to access an online loan without a paycheck. These are generally small loans that can be obtained quickly, about 24-48 hours after acceptance of the request. First, the status of the applicant’s payer is assessed; if it is not identified as a protestant or a bad payer, you can submit your fast online loan application without a paycheck. But it is necessary to provide guarantees, which can be:

  • a movable or immovable asset of at least equal value with respect to the amount paid out
  • a property on which to put a mortgage
  • a lease
  • a monthly credit on the current account deriving from a work activity
  • financial securities
  • a guarantor to take charge of the loan in case of insolvency of the principal debtor

Quickly to make money through a payday loan

February 22, 2019 | Lenders | No Comments

If you have a financial shortage and need money at very short notice, you should think about a payday loan. The employees of the respective financial institution decide very quickly whether this is granted and then the money is available to you accordingly fast. If this is the case, you will immediately receive the payday loan .

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What exactly is a payday loan and how can it be obtained?

A payday loan is a small and readily available loan. The repayment period is relatively short and the application is usually less bureaucratic than other bonds. In addition, in the short or lightning loan, as it is often mentioned, the Schufa is not respected.

Nevertheless, some conditions have to be met to get between 100 and 12,000 euros. For example, the borrower must live in Germany and have an account there. In addition, he should regularly earn at least 600 euros per month and be already 18 years old. If there is a warrant against him, the mini-loan is usually not approved. The same applies in the event that his wage is impounded or he has reported insolvent.

When is the payday loan worthwhile?

A payday loan is worthwhile only if you have to bridge a shortage of payments at short notice. In addition, you should be able to repay it in whole or at least a large part in a short time. If this is not the case and you want a longer repayment period, you may want to consider another form of credit. With a normal loan , you usually have to pay substantial interest. However, since the loan amount for a payday loan is relatively small, these additional payments are also lower. For very small amounts of less than € 1,000, you hardly have to pay interest. However, there are often some additional offers in question, which can cause additional costs, such as:

  1. payment by installments

If you can not settle the loan at once, you can extend the repayment period with most providers, or pay off the loan amount in installments. Normally they have to pay the full amount after 30 days at the latest. In general, you have the option to extend this period. For some lenders, additional fees apply for installment payments.

  1. Express Edit / Flash Transfer

As a rule, you have the payday loan in your account after two to ten days. However, if you need the money faster, you can request express delivery for a fee. These will help you to process your application faster and make a quicker decision as to whether the loan will be approved or not.

  1. credit check

As already mentioned, a payday loan usually does not look like the applicant has a Schufa entry. For this, the credit institutions can make a so-called credit rating, through which you receive a credit rating. This will increase your chances of getting a loan. However, there are additional costs for this service. As a rule, you have to expect up to ten percent of the respective loan amount. Of course, if your application is rejected, you do not have to pay this fee. For some providers, the credit rating is free.

How is the payday loan different from a small loan?

The mini credit can quickly with a conventional small loan to be confused. Because there are quite a few similarities between the two forms, such as:

  • Even with the small loan, the sum is low (500 euros to 2,000 euros)
  • Both loans can be settled in a short period of time
  • Installment is possible
  • Both types can be applied for at the house bank

GladlyCredit is an online finance company that offers its credit products and Quick loans on the Internet through its website. The maximum amount that can be requested is 3,000 Euros and the processing is as simple as the Rapid Loans if payroll or endorsement. The advantage of GladlyCredit is that you can ask for the money as Line of Credit, that is, you only pay for what is available unlike the loan that pays interest even if you do not spend all the money at once.

How to Apply for Rapid Loans in Dotcredits:

How to Apply for Rapid Loans in Hapcredits:

The procedures to request money in GladlyCredit are very simple, they are done quickly, all online and without documents and without too many questions:

Access the online form on their website

First select the amount you need and the term in which you will return the maximum money 36 months. Enter your personal data name, surnames, NIF and address, below your economic data where you work. how much you earn per month or how much you receive for other concepts, unemployment pension, etc.

Confirmation of credit application data

Check all the inserted data if they are correct including if you have left your mobile phone number and email very useful to receive communications. If everything is ok, confirm the request and in a few minutes they send you an SMS message or an email informing you of the decision and if it has been approved. If the answer is positive, enter the web and confirm again.

Quick money collection immediately in GladlyCredit

After confirming the credit and answering the Message, you will have the money in your account in an approximate time of 15 minutes. In order to have that money available instantly, your bank must coincide with the entity that GladlyCredit works because otherwise, the money would arrive the next day or 48 hours.

Advantages of the Line of Credit in GladlyCredit

Advantages of the Line of Credit in GladlyCredit

The minimum amount to request in GladlyCredit is 100 euros and the maximum of 3,000 euros and the advantage is that they work as a credit account or line of credit, that is, the financial authorizes you up to a maximum limit of money that can be arranged to measure their needs and therefore pay interest only for what is owed and not for what is authorized and thus saves many interests.

Once you have disposed of all or part of the amount of the credit, you can re-enter or replenish to later withdraw money and so on as if it were your checking or savings account and always pay for the balance you owe.

In GladlyCredit at all times informs you of what you have taken and what you have entered with the available balance and can be informed at any time by entering your website online and therefore can do all kinds of operations at any time and on any day of the week.

Personal loans in GladlyCredit

Personal loans in GladlyCredit

As well. You can ask for the money in GladlyCredit with the traditional form of personal loan to return the money every month in equal installments. In this case, the amount is the same between 100 and 3,000 euros and the return period of 24 months.

The way to request the Loan in GladlyCredit is the same as in the case of the Line of Credit accessing the web and submitting the application online. The loan money is immediately deformed so it is a good way to get fast money without papers and without questions. The difference is that you have to select a term to return based on the fee or bill you can pay each month.

Requirements to request money in GladlyCredit

Requirements to request money in GladlyCredit

The conditions that must be fulfilled in order for you to be granted credits and quick loans without endorsement in a loan are the following:

  • To be of legal age and to be resident in Spain by signing it with the DNI or Resident Card.
  • Open a checking account or savings account in a bank or savings bank.
  • Have an operational mobile phone and an email.
  • Have periodic income for payroll, pension, unemployment, rents, etc.

GladlyCredit already warns that it does not grant Credits and Loans with Asnef. Therefore if you are on a list of defaulters do not bother asking.

Opinions about GladlyCredit and contact telephone

Opinions about GladlyCredit and contact telephone

GladlyCredit has started its activity in Spain so we still do not find many opinions about GladlyCredit on the internet. If you have already had some experience or have requested a loan, you can leave us your experience or opinions on how GladlyCredit works, if they are legal and how expensive they are. 

The beginning of the economic recovery has meant that many self-employed people have started their project, taking into account that during the first year, the most critical moment of the project, due to suffering situations Transitory of lack of liquidity, there is one that can be resorted to when applying for loans to private equity companies that have specialized in granting loans for SMEs and self-employed workers .

Loans for the Self-employed People

Loans for the Self-employed People

Every day, new entities emerge that grant loans to freelancers and small businesses, Spotcap highlighting the ease with which the request for the money is made, carried out online in three simple steps, followed by Spotcap will make a financing proposal. This company grants from 500 to 50,000 euros in 24 hours, which is undoubtedly a very attractive possibility for those professionals with a lack of liquidity. If at first they only financed SMEs and freelancers whose business lines were based on sales online, they currently finance, through credit lines, any self-employed project regardless of their sales channels. .

An alternative to get money, is to ask companies like Loanant and their money for the car , which both individuals and freelancers grant credit only by leaving your car in storage.

In Spain there are more than 3 million SMEs and freelancers who try to expand their business through the market that offers internet that in the last 5 years has grown its sales by 52%.

Economic growth depends on the activity and growth that occurs in SMEs and self-employed because these sectors bring together 48% of the active population, hence the sectors that should have greater support both public and private capital. The traditional financing channels are obsolete due to the slowness with which loan requests are processed, hence the new models of loans to freelancers that are emerging are monopolizing the credit market.