It is necessary that you have a DNI / NIE and a bank account. However, not all the documentation that is generally requested in traditional banks is necessary. Another of the great advantages of the credits that you obtain through our website is that for many of them it is not necessary that you have an endorsement. This refers to another of the common practices of traditional banks, which request a guarantee or a guarantor, who answers for you in case you are not able to cancel the obligation you obtained.
To apply for a loan with any of the entities on our website, you need to be very clear about how much money you want to request. You can make use of the loan calculators that you find on the website of each of the lenders. Obtaining your credits instantly begins with the first step of establishing the loan amount and the term in which you will pay. Loan calculators usually tell you what interest you will have to pay.
In order to request any credit instantly, they will also request your DNI / NIE, name and surname, bank account number in your name and mobile phone in your name, among other personal information. In some cases it will be necessary for you to pass a financial study that proves that you really have the ability to assume a debt. Another great advantage is that this type of loan can be used for whatever you want. It can be to surprise your girlfriend, cancel a debt, pay a tuition, buy a car, among many other alternatives.
Once you have completed all these steps, you will be ready to receive the credit instantly. This will be transferred to the bank account that you registered in the process. As you can see, it is an agile process that only takes a few minutes, in many cases.
Before applying for credit instantly, carry out a financial self-analysis
However, if you are thinking of obtaining a loan instantly, it is very important that you know that you are actually able to pay the debt to which you are committing. Otherwise you could end up with serious debt problems, or reported to delinquency files such as ASNEF or RAI. A report of this type makes it difficult to obtain another credit in the future, considering that the lenders begin to identify you as a person who does not meet their debts.
Credits can be very attractive to many people, however, first you must know that you do have the ability to take one. To know if you are capable, the income you obtain must be greater than your expenses. That is, you must have enough capital every month to pay the agreed installments of the loan. If you fall into default, the entity that lent the money has the ability to charge you more in interest, report you to delinquency files, among other penalties.
Jerome P Allison
I am a freelance writer and consultant for companies and individuals, with a particular emphasis on fintech, technology, startups and online marketing. More information