Category: Payday loan consolidation companies

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Payday loans online   they have become an alternative very demanded by people who have to face the payment of an unforeseen event (a traffic ticket or reform in the house, for example) or cover not so urgent needs.

Next, we tell you the most interesting features of this type of loans.

The flexibility of payday loans online

The flexibility of payday loans online

The facilities that personal online loans give you have a lot to do with the application of new technologies. Keep in mind that you will need to receive the loan quickly, since you have to face a payment of which in record time.

Therefore, you will appreciate that you do not ask for excessive documentation about the guarantees and that, in any case, you can send it by email. Broadly speaking, you only have to fill out certain personal and banking information and confirm that you have a regular source of income.

The sophisticated computer system that receives this information is qualified to approve your payday loan application and will send you a confirmation.

It is, as you can see, a procedure that saves you from leaving the house and holding tails in the banks. It is agile and gives you comfort and comfort. Once your loan is approved, it will arrive in a quarter of an hour to your current account and you will already have the money for your expenses.

What requirements do you have to meet to access payday loans online?

What requirements do you have to meet to access payday loans online?

  • Age between 18 and 65 years
  • Bank account in which the loan will be paid
  • Debit or credit card to be able to collect the repayment of said loan
  • Active mobile phone to receive SMS and calls
  • Not having breached a previous loan, being bankrupt or having an open application.

What conditions do these payday loans have online?

What conditions do these <a href=payday loans have online?” />

You should know that these payday loans have very flexible conditions. They are granted for a specific term. Basically, between one and six weeks and for amounts that can range between 300 and 800 euros. You also have the possibility of extending the credit grant if you pay the first installment interest.

In any case, you must bear in mind that you should only ask for loans of this type when you are sure that you will be able to return the money. On the other hand, the transparency and simplicity of the fees of these financial products stand out. Pay 1% per day, in addition to the amount and time requested, characterize this option that is already in the market for payday loans online.

In short, before the most cumbersome procedures and the most severe guarantees required by traditional banks, you have the option of using personal online loans, which are better adapted to your urgent economic needs.

Loans to protesters and bad payers with permanent contracts are a possible financing solution for those who have had negative reports due to previous financial problems, since the certainty of the pay slip allows workers in both the public and private sectors to contact to credit institutions and financial companies to request the transfer of the fifth, the type of loan that is usually granted more easily to those who have had problems with the balance of the installments of a loan, with bills or bank and postal checks issued without coverage. In this guide we will see how to apply for loans for protesters and bad payers with permanent contracts in the form of salary assignment, delegation of payment and debt consolidation.

Loans with payroll indefinitely: what solutions?

Loans with payroll indefinitely: what solutions?

For those who are in the condition of being protested or a bad payer with a permanent contract, a loan can be disbursed by deducting the amount of the monthly payment directly on the pay slip: under this formula can therefore request

  • employee loans
  • delegation of payment
  • debt consolidation

The preferred type of loan, which also applies to the other loans described above, is the transfer of one fifth of the salary, which allows obtaining a sum of money that is also significant despite having negative notifications for previous financial problems: the pay envelope and accrued severance indemnity represent sufficient guarantees for the bank so that those who have a permanent contract can obtain capital without any particular problems.

Cession of the fifth for protesters and bad payers, how it works

Cession of the fifth for protesters and bad payers, how it works

Applying for loans to protesters and bad payers with permanent contracts based on a salary assignment does not entail large variations in the request and in the functioning mechanism with respect to the submission of a request by a worker without negative reports: once the described documentation is presented in the next chapter, the same credit institution and financial company will advise the employer of the transfer. The differences that could be found in a cession of the fifth for protesters and bad payers can be essentially two, that is on the one hand the capital granted by the bank could be lower than what is required, especially if we are talking about large amounts, to meet the policies against insolvency risk dictated by the institution. But the most marked difference concerns the insurance policy against loss of employment and early death, which is usually presented as optional in an employee of the public and private sector, but very often the financial company instead places the obligation of underwriting for protesters and villains payers, before giving the green light to the financing.

The documentation to be presented

We now come to the documentation to be presented to request the transfer of the fifth as a loan for bad payers and protested with a permanent contract, which provides:

  • Copy of identity card
  • Health card or tax code
  • Last two paychecks
  • Salary certificate containing the date of employment
  • Annual and monthly remuneration, both gross and net
  • Amount relating to accrued TFR
  • Any deductions already present in the pay slip

As we have already mentioned, the salary assignment is protected by the duration of the contract and by the TFR since that time accrued, so that public and private employees who request the loan must not present any guarantor or other forms of collateral, even if protested or bad payers. In addition to the documentation described above, the applicant must also sign a delegation that officially authorizes the employer to withhold the monthly installment from the salary that cannot exceed 20 per cent of the total, in fact a fifth: we also remember that the employer cannot oppose the sale of the fifth, but he was only informed of the transfer following the signing of the loan agreement between the bank or financial company and his employee.

The advantages of the sale of the fifth

In addition to being able to be disbursed to protesters and bad payers, there are several advantages of the salary assignment that make this type of personal loan the most practical and convenient financing formula for an employee who has a permanent contract, even in his most recent formulation of progressive protections introduced by the Italian government with the Jobs Act. The peculiar characteristics of the sale of the fifth are:

  • Possibility to request even large amounts
  • Amortization period between 24 and 120 months
  • Fixed interest rate for all depreciation
  • No guarantor required
  • No proof of expenditure
  • Possibility of obtaining a capital advance
  • Disbursement that can be assessed positively also with other ongoing loans
  • Possibility to renew the sale already in progress beyond a certain period of time
  • Insurance coverage against life and employment risks

There are various types of permanent contracts: the part-time contract (“part time”) has predominantly spread over the past few years, which inevitably introduces critical issues in the mere disbursement of the loan with the sale of the fifth. Let’s see in detail what it entails.

Loan with part-time permanent contract

The financing opportunities provided may vary depending on the financial target, but for a loan with an indefinite part-time work contract general considerations can be made that help to understand how to move to obtain even in such situations p remained protested and bad payers with the sale of the fifth. First of all it is suggested to lower the claims and start asking for amounts that are not too high, then it is good to evaluate what kind of part time is taking place: in fact it exists a horizontal part time that allows you to work every day for half a week, and a vertical part time, so you work only on certain days of the week or periods of the month. This involves different assessments by the credit institution or financial company: in the first case, receiving an income every month of the year, it is possible to obtain a salary-backed loan or a debt consolidation, as we said at figures that are not too high. On the other hand, the situation is complicated with vertical part time, since it is not possible to guarantee a sustainable income for the entire period of amortization: in such cases the solution may be to use a guarantor, but it must be clarified that it is not easy in these situations obtain a loan, if not in the form of a loan with bills of exchange.

Loans to protesters with payroll: what minimum amount should they have?

Loans to protesters with payroll: what minimum amount should they have?

Another issue to consider in obtaining loans for protesters and bad payers with permanent contracts is the amount of the pay slip, which must be substantial enough to allow the sustainability of the amortization. In the eyes of a credit institution it is necessary to start from a minimum salary net of the transferable fee, which is usually around a figure of 600 euros per month. Below this threshold access to credit through the sale of the fifth is particularly complicated.

Financing for new hires  

Financing for new hires  

Another complicated situation appears to be that of protesters and newly hired bad payers, who cannot make any accrued severance pay available since they have only recently been employed. In this case it is not easy to obtain a loan, having besides the financial inconveniences reported to the end-to-end knowledge company or in the other computer registers, and it is possible that the financial company, before accepting a loan application, requires additional protections and the signature of a guarantor third before proceeding to the signing of the contract and the disbursement of the capital, as well as placing the insurance policy as an additional coverage in the event of serious impediments that could affect depreciation.

The renewal of the fifth sale

If you have obtained a loan for bad payer or protested with a permanent contract, it is very easy to obtain also the renewal of the fifth sale, which basically involves a redefinition of the terms of the loan in progress once certain time steps in the repayment of the capital have been overcome obtained: thanks to the renewal it is possible obtain new liquidity extending the amortization plan, without these changes changing the amount of the installment. To carry out the refinancing application, at least 40% of the previously stipulated amortization plan must have elapsed, except for loans with a duration of 60 months or less, but in this case only if the new amortization plan will have the maximum expected duration, or 10 years (120 monthly payments).

Payment delegation for protesters and bad payers?

Payment delegation for protesters and bad payers?

Depending on the type of problem that is at the base of the negative report, it is possible for an employee to get or not even a loan with delegated payment, otherwise known as double fifth of the salary, since in this case we are dealing with a double retention on perceived emoluments. It seems evident that it is necessary to have a salary of a certain consistency to withstand a double deduction, on the other hand giving the possibility of obtaining very high amounts: precisely for this reason the delegation of payment as opposed to the assignment of the fifth requires the authorization of the employer, who is not at all obliged to grant the double deduction on the salary, therefore it is also necessary to consider a possible refusal, especially for a protested or bad payer, for which those who have suffered protests or have not paid the installments of an old loan would do well to inquire first with their company about the opportunity to obtain a delegation of payment, and then contact a financial institution that can grant it although reported in the computer archives in negative way.

Debt consolidation with the sale of the fifth

The last financing opportunity that we want to consider by means of repayment with salary-backed loans is debt consolidation, which for a protestor or bad payer can only be paid through this formula, and not also through bulletins as is the case for an applicant without reports. What is it? Basically it allows those who have more funding to go to the institute and to consolidate all debts in a single repayment installment with a lower amount and at a more sustainable interest rate, extending the time to repay the capital, and at the same time obtaining additional liquidity in addition.

Conclusions

 

We have seen how loans to protesters and bad payers with permanent contracts are provided with a certain ease, relying on the certainty of a sustainable income through which to obtain a capital to be repaid through the sale of the fifth, unlike loans without payroll. Of course, there is a need to have an accrued severance pay at least a little substantial, and therefore not to be hired as soon as possible, in order to be certain of a rapid disbursement without having to resort to further guarantees, or other situations that could affect the contract as a net amount that is too low or a reduced part-time contract. However, especially if an amount of money is not demanded as too high, it is possible to obtain financing from protesters and bad payers with relative ease despite the negative reports for the mistakes obtained in the recent past.

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.