Through both economic products, every customer can have an “extra” money at a given precise moment.
Regardless of the type of instrument that is requested, both to proceed with the application of a loan and a loan, general requirements are established. Thus, the entire process is processed online, so that the customer can request the amount you need with a simple mobile. All you need is a device that allows you to connect to the internet. That easy.
What steps should I follow?
Getting fast money through a loan or a loan is a quick, easy and accessible process. To start it, you only need to fill in an application with the personal data of the client (name and surnames, contact telephone or corresponding email, amount requested and number of return periods) as well as sending the necessary documentation. As a general rule, the private financing companies that grant financing instantly request the following documentation:
- National Identity Document or NIE
- Bank account number where the deposit will be made
- Payroll for the last two or three months, or equivalent periodic income certificate. In relation to this last requirement, it should be noted that there are currently many private financial entities that provide liquidity to their clients without having to present these documents.
In order for the lender to be able to process the application, it is necessary to meet minimum requirements: majority of age, residence in Spain, and have a bank account where the deposit will be made.
Once the application has been completed and the necessary documentation has been provided, the lender will issue an immediate response. If the application is approved satisfactorily, the money will be entered into the indicated account instantaneously, so that in just a few minutes you can enjoy the amount requested.
However, in the event that the customer’s bank is different from the one with which the lender works, the transfer may be delayed some 48 hours more. As a last requirement, once the client has carefully read the stipulated conditions, the contract will be signed.
Why is it a safe way to obtain liquidity?
It is possible that there is an error in the fact that completing the application process entirely online and without the need for paperwork generates a risk when entering our banking information.
Despite this initial mistrust, the user will be able to verify that numerous private financial companies are already referents in credit transactions in the European financial market.
On the other hand, we can also know through the online platform of the lender if the data is processed safely and reliably through encrypted files.
Finally, in the event of a possible infraction in the processing of the data, we will have the possibility of addressing the person in charge of the file in order to correct it by rectifying or canceling it.
As a guarantee of its reliability, the web pages corresponding to private financiers usually contain a forum where they can contrast the opinions of real clients who endorse the good management of the same. Also, there are personalized attention telephones where you will receive the assistance of professionals in case of any doubt that may arise.
What is the form of payment?
As we have seen previously, unlike the loan, the credit allows the client to have or not the total amount of money borrowed, that is, the customer may choose between having the total amount or the part of it that he considers pertinent. Regarding the payment of interest, it is only going to be demanded in relation to the amount that has actually been arranged.
When online credits are processed instantly, it is possible to change the payment method whenever the client so requests, according to their preferences. Thus, the user can select the amount that will be paid each month.
The processing of an online credit makes it possible to expand the desired amount, schedule a payment automatically or proceed to the return of the sum loaned before the expiration in order to achieve interest savings.