Where to ask for a quick payday loan?
It is becoming easier to request a quick credit through the internet. In a few minutes and with little documentation you can have the money in your account.
In our list you can find the best and widest offer of credit of the moment.
Everything you need to know about where to ask for a quick payday loan
- How to request an online loan in minutes?
- Requirements to request a quick credit
- Advantages of getting paperless credit
- It is possible to request a quick payday loan if I am in Financial Credit Institution
- Problems with the return of a credit online
- In which cases it is convenient to request an urgent credit
How to request an online loan in minutes?
If we are determined to apply for a quick payday loan, and we are interested in finding the best financing conditions in the market, the internet offers us the entire offer in the sector, offering us the opportunity to compare and help us choose which credit is the most convenient in each case.
As this is our first request, we will be able to find the offers of many lenders who grant us the possibility of requesting a first loan without interest
Although these promotions are subject to the risk policies of each company, these offers allow us to obtain a free first loan of up to 300 USD to be repaid in 30 days. We will be able to check the financing conditions of the different lenders through our list that includes a selection of entities in which to request a quick payday loan online.
Once we have decided on the credit company we are going to use, the online loan application process is quick and with little paperwork.
To start we will have to access the website of the financial company to which we are going to request the credit. Once we have selected the amount of money that we want to request, we can start the application process that we will complete by providing our personal and bank details that are required.
- Personal data : name and surname, personal identification document (DNI, NIE or Passport), date of birth, email and mobile phone number.
- Bank details : proof of regular income with which to face the return of money. In some cases they may ask us for the bank statement with our latest movements.
The application for an online mini-credit is resolved in minutes. As soon as the lender evaluates our solvency situation, we will receive an immediate response. If credit approval is resolved, we will receive a copy of the contract that we must return signed.
The lender will transfer the money to our account once it verifies our compliance with its terms and conditions established in the contract. The time interval it takes for the money to arrive in our account ranges from 10 minutes to 48 hours, depending on the collaboration agreements between the different banks and the lenders.
Requirements to request a quick credit
Although the specific requirements to apply for a credit online will depend on the internal policy of each credit company, generally when we go to request a quick credit online they will ask us to comply with the following conditions:
- Having regular income: to have access to a quick payday loan we will have to be able to demonstrate our solvency capacity. For this, it will be necessary to have sufficient monthly income to face the repayment of the credit. However, it will not be necessary to have a payroll, being able to get a loan without payroll and without guarantee, even when we are pensioners or receive a recurring benefit, as long as it is prolonged in time.
- Age of the credit applicant: although to apply for a credit online we must be over 18 years of age, in some companies it is a requirement to comply with a minimum and maximum age as established by their risk policies. The usual thing for these cases is that they ask us to be at least between 21 and 25 years old, and at most up to 60 or 75 years old.
- Place of residence : a common requirement for all companies is the requirement to live in Spanish territory.
- Not being in Financial Credit Institution or other default files : although it is possible to get a loan with Financial Credit Institution we must be aware that appearing in delinquency files is a reason not to approve our loan request in many companies.
In most cases we will be able to apply for our credit online, without paperwork or sending documents. Other times, it will be necessary to attach or send documents to verify the authenticity of the data provided (we refer to the following documents):
- Identity document (DNI, NIE, Passport): identity document that identifies us as the person requesting the fast credit.
- Proof of monthly income : formal proof that justifies the monthly income that we claim to receive in our loan application.
- Bank statement : bank receipt that accredits our solvency based on the level of expenses and income in recent months.
Advantages of getting paperless credit
Using an online credit offers us a series of advantages that we must take into account when we need urgent money.
- First interest-free credit: as this is our first credit application, many companies will offer us a first free credit. Without a doubt, this is one of the most significant advantages when requesting a loan online, having the possibility of requesting money without expenses or commissions.
- Fast paperless credit: does not require the usual paperwork and paperwork for other types of loans. In this case, we can make the request via the web and send the documentation that is required only if necessary.
- Possibility of paying the loan in several installments: More and more companies are allowing the repayment of the loan in installments, reaching periods of more than one year.
- Loan without payroll or endorsement: we can request a loan without payroll or endorsement. For this, we will only have to meet the requirements of the lender, and have fixed income that we can credit. We can access an online credit even if we are pensioners or unemployed.
- Loan with Financial Credit Institution: people with defaults that appear in files like Financial Credit Institution will be able to access the money they need through a quick online loan.
As was the case with the application requirements to obtain a credit without papers, its advantages will depend on the specific conditions that each company in question can offer us.
It is possible to request a quick payday loan if I am in Financial Credit Institution
The wide offer of lenders who grant money to clients with Financial Credit Institution allows us to obtain the financing we need through a loan with Financial Credit Institution, regardless of whether or not we are registered in delinquent files.
Like all other clients interested in applying for an urgent credit online, we must meet the requirements of the lender and prove a regular source of income.
To get money with Financial Credit Institution we must meet two conditions:
- Not have debts with banks.
- The amount of the debt for inclusion in Financial Credit Institution must comply with the minimum amount set by the online loan entity to which we go.
Being in Financial Credit Institution we will not be able to go to all the online credit companies in the market. Therefore, do not miss our list where we collect the companies that we can go to request a loan with Financial Credit Institution.
Problems with the return of a credit online
In the case of not being able to face the return of the money owed within the established term, we will have to contact the lender and inform them of our problem so that they can help us find an alternative such as deferment of payment or request for loan extension.
Most online fast credit companies have these options to solve the default situation, although we must take into account the increase in interest on the initial amount of our debt.
In the case of not making the return payment on time, without contacting the lender to report our situation, we run the risk of being reported for non-payment and that our data will be included in delinquent files such as Financial Credit Institution or Rai.
In which cases it is convenient to request an urgent credit
Getting fast money online is easy, fast and secure. Therefore, when specific problems or unforeseen events arise that we cannot cope with, applying for urgent credit will be an effective alternative to get the amount of money we need.
However, opting for an online loan is not always successful. Before, we will have to be sure that we can face your return without problems so as not to worsen our credit situation with new debts.
The purpose of a quick credit is to get easy money to solve any unforeseen situation. Getting benefit from its advantages and not seeing ourselves in situations of default and therefore suffering its consequences, will only depend on our good judgment when making a decision.
Therefore, before requesting an urgent credit, we will have to assess the importance of the reason for your request, as well as our real solvency capacity to avoid generating default situations that worsen our economy.