Help with payday loan consolidation -Request a payday loan consolidation

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When we talk about payday loan consolidation we refer explicitly to a re-financing solution that offers you the possibility to pay off all payday loans and consolidate them again through a loan, which is characterized by a single installment to be paid- find more.

Why is debt consolidation so much? The reason is very simple and is linked to a question of practicality: substantially, more debts of entities, generally not particularly high and characterized by higher than average interest rates and by short-term maturities, are added together in a single debt with a long-term expiry in this case.

By accepting debt consolidation, as a debtor, you will have to take care of paying a lower monthly payment for the amount compared to the sum of the installments of all debts, but for a longer period of time. It is no coincidence that the duration for the debt consolidation repayment plan is generally 120 months.

However, there are plenty of offers where times are extended up to 20 years: some financial companies offer repayment plans at the end of 240 months. To meet possible difficulties, there are many credit institutions that also offer you extra liquidity in the short term. What are the best debt consolidation loans? Would you like to know the best offers for a single loan and a single installment? Here are some offers all in all convenient.

The offer of Ultranix

If you want to interact with a single financial company to better control your loan, with a view to the highest level of transparency, Ultranix allows you to pay a single monthly payment and enjoy unique and blocked interest rates for the entire duration of the repayment plan.

Example of debt consolidation with Ultramix : we assume that the amount requested is 10,000 euros and that the amortization plan has a duration of 84 months. The monthly installments to be repaid with Agos amount to 143.70 euros. Fixed TAN and APR correspond to 4.91% and 6.17% respectively. However, there are a whole series of hidden costs, including 200 euros for preliminary investigation fees, 16 euros for the stamp duty on the loan. The total due, therefore, amounts to 12.26680 euros.

Unique, the Cleopar offer

Cleopar, a leading financial consumer credit company, also proposes an advantageous commercial proposal in terms of debt consolidation, allowing you to obtain extra liquidity and to meet other ongoing loans, interacting with a single credit counterpart. Your deadlines are actually simplified and unified with a single loan and a single monthly payment. On the other hand, the Cleopar offer is called Unopar. Please note that the maximum amount payable is 30,000 euros.

Example of Debt Condolidation with Cleopar

For a sum of 10,000 euros, Cleopar offers you various repayment plan options. Choosing the 84 month one, every monthly payment will come to you for 167.15 euros. Given a TAN of 9.90% and an APR of 11.02%, the final amount due will amount to € 14,156.

The Offer of Yobank

The Offer of Yobank

After presenting the offers of two financial agencies, it is the time of that of the leading banking group in Italy. Service Money, this is the name of the debt consolidation offer, bearing the Yobank rating, aims to make you combine all the loans in one loan. The maximum amount payable is 75,000 euros. The advantage of this business proposal? In principle, 24 working hours are enough to get feedback on the loan outcome. However, keep in mind that the timing depends on how many old loans you are willing to put together in this type of loan.

Conclusions

These are the best offers that banks and financial institutions put at your disposal for debt consolidation. To choose which is the commercial proposal, because this is what it is, which is best suited to your needs, it is wise to use one of the innumerable search engines. Set the filters and find out what is best for you with a view to a single loan and a single installment.

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How to Increase My Credit Score

How to increase my score? This is one of the most frequently asked questions in our Help Center, and today we have answered all your questions! We ask our experts for the best tips to increase your score and achieve your goals.

This is a question that has increasingly come to our credit experts. Credit Score is a value (ranging from 0 to 1,000), it shows how is your relationship with the financial market.

What is Credit Score?

What is Credit Score?

The closer your credit score gets to 1,000, the market sees you as the best payer. The more you move your money in the bank, have your house purchases and bills with your social security number, pay your bills on time and / or negotiate outstanding issues, the higher your credit score.

This score exists to let the market know you when you buy something, open an account, apply for a credit, finance a good or any other financial movement. It is a way of protecting the institution you are relating to.

In this case, the lower your credit score, the interest rates on loans (for example) tend to be higher because of the risk of default that your score represents. Below are tips to keep your score up and ensure the best rates!

What are the best tips to increase my credit score?

What are the best tips to increase my credit score?

1 – Avoid staying on credit line

Whether on your credit card, checking account, or store cards, avoid living with accounts near your credit limit. If your card has a $ 1,000 limit and you are making purchases that are very close to that amount, credit protection services will understand that you are more likely to get into debt.

2 – Overdraft – the villain of your low score

How many times have you used your overdraft this year? Beware, relying on the overdraft limit is a danger as it demonstrates that you are spending more than you have earned. In addition to using one of the highest interest rates on the market (about 12% am on overdraft), paying more than you “borrowed from the limit,” you wind up in debt for next month.

3 – How is your payment history?

Paying your bills on time is part of good practice to have a higher credit score! Avoid paying bills after maturity, in addition to running away from interest, you also keep your credit profile well regarded!

4 – Does my score increase soon after paying a debt?

Myth! Your score changes according to various variables, from public sources (eg credit protection services) and private sources. Updating this information is not automatic, so if you pay a debt today your credit score will not be higher tomorrow. This may take a while.

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Loans without payroll

Loans without payroll are possible thanks to the digital microorganisms that are aimed at all those people who have an urgent need for quick money, without much paperwork and, of course, without a payroll. Therefore, they have all kinds of facilities so that you can get them 24 hours a day, 365 days a year.

In the economic and labor circumstances that we currently face in the country, there are times when we need some type of urgent loan but we can not request it from any of the traditional banking entities, because we do not have employment and, therefore, neither roster. So, due to this need, no-payroll loans have emerged.

Requirements to access a loan without payroll:

As mentioned before, these digital microorganisms are born due to the need to be able to obtain fast money, without much paperwork and, of course, without having a payroll.

Usually some of the requirements necessary to apply for a loan without a payroll are:

  • Be of age.
  • Have a mobile and bank account.
  • to reside legally in Spain, being a holder of a DNI or an NIE in case of being a foreigner.

If you meet all these requirements, you are one step away from being able to apply for a loan without payroll in any of the online banks that are just one click away from your reach.

As long as you take into account that you must ensure that it is a reliable and secure network to whom you will provide your personal information.

Valid income to access loans without payroll

When we talk about loans without payroll it does not mean that we are going to get financing without any kind of income.

What do we mean by this? We mean that the entities that grant them will accept another type of compensation that is alternative to a payroll as proof provided that said income meets the following requirements:

  • Be periodic and elongated in time.
  • Be enough
  • Be justifiable.

If our income meets these three requirements, there will be no problem in obtaining loan financing without payroll without the need to present a guarantee.

Get loans without payroll forming part of the Financial Credit Institutions list

Because the amounts that can be assumed in online platforms when applying for a loan without a payroll are extremely low, it is not necessary to have an extremely high income to cover them.

Once the value of the credit plus the expenses is paid, the user no longer has obligations with online banking.

On the other hand, the loan expenses are reduced, since the more monthly payments are agreed for the return, the more total commissions are paid in total, since each of them has their respective interests.

That’s what happens with banks. Giving credit facilities for those who do not obtain loans without payroll or endorsement is also extendable to those who are part of the Financial Credit Institutions list and the other files of defaulters.

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Compare small loan online

Such a loan offers numerous advantages, since these are relatively small sums of money. Small credit is often used to bridge financial bottlenecks or to buy something. People who opt for such a loan, have acted reasonably, since it is much cheaper to take a small loan than to overdraw his current account. An overdraft on account of the high interest rates causes considerable costs and is actually intended only for emergencies or for short-term use.

Cheap microcredit through credit comparison

As there are numerous small credit providers, finding the best one is not always easy. Especially if you do this project at various banks on the ground, because it costs time and nerves. Also not to forget the resulting costs when this action is performed by car.

Note:
Of course, it is also possible to make such a credit comparison by telephone. However, this method also costs and takes time.

Best option to conduct credit comparison online

The fastest and easiest way to do this is to make a comparison on the internet. In this regard, there are numerous service providers who provide their services here free of charge and without obligation.
The interested party only has to access one of the numerous comparison portals.

On this, the matter is settled in a few minutes and you can find out which provider is eligible for small loan.

Using a so-called comparison calculator, one learns which provider of microcredit offers the lowest interest rates and best terms.

Term and annual interest for small loan

Loans of less than 1000 € are given on different terms than for loans with several 1000 €. Since a mini-loan is usually needed only in the short term, for example, to survive a financial shortage, the terms are therefore also correspondingly shorter than for normal loans.

Many of the so-called small loans therefore have a term of one to three months. If longer terms are desired, this usually results in additional fees.

The annual rate of interest on small loans is almost always higher than that of traditional consumer and consumer loans. But since the interest is only incurred for a short time, the total cost is relatively low.

Info:
For consumer loans over € 1000 the average duration is twelve months. With individual offerers it is even possible to agree on a term of up to ten years. The rule is that the longer the term, the lower the monthly rate. If a higher loan installment is agreed, it will be paid off more quickly and the total cost will be much lower.

Requirements for borrowing small loans

The legal bases for a loan of this kind are the same as for larger loans. The application or applicants must be of legal age, have a permanent residence in Germany, have a regular income and a negative private credit entry should also be absent.

In the case of a microcredit, however, a so-called private credit information is not absolutely necessary, while the other three conditions apply to each credit.

Certain banks have specialized in so-called small loans, these also take customers to ordinary banks have no luck. In addition to the low credit sums and short maturities, they minimize their risks primarily by the fact that liquid customers can lend higher sums than the so-called new customers.

Info:
Thus, borrowers can prove their solvency directly. Borrowing is then no longer a major problem.

What collateral is possible

For employees, a salary assignment is required as collateral for the microcredit. For this proof of income of the last three months are needed, the applicant may usually not be in the probationary period. Retirees normally have a valid pension notice.
It’s not that easy for the self-employed or freelancers, who often have to resort to other collateral, including the ceding of a life insurance policy.

Low earners are not easily awarded a microcredit, but can specify a second borrower in the application. This gives the bank or lender greater assurance that the loan can be properly repaid. In addition, two borrowers are often given more lucrative interest rates.

Apply for small loan

Small loans can be requested online at any bank, or simply from home. When applying for the same information is required as a higher loan amount. Online customers receive the preliminary decision immediately and only have to send the completed application and the required documents to the bank, this is usually done by mail. This is followed by a so-called identification check and an examination of all documents by the lender. If everything is alright, a transfer of the approved loan amount to the account specified by the borrower usually takes place.

Note:
The same procedure is also carried out at a local bank, but the identification check is faster here. A valid identity card or passport as well as a pay slip are usually sufficient here (some banks require payroll accounting for the last three months).

Conclusion: A small loan is in any case preferable to an overdraft. This is mainly due to the much lower interest rates that are valid for a small loan. Over a period of a few months, this can amount to several hundred euros more. In addition, small loans usually have only a short term and monthly small installments anyway. Quite different with the so-called collection-credit, here are almost always over 10% interest charged. This can be very expensive over a long period of time, so it all comes down to a loan anyway.

Further uses

A small loan is also appropriate when different bills are open at various mail order companies or stores. Here it often happens that those affected quickly lose the overview and the payments fall into oblivion. The consequence thereof, dunning notices plus dunning costs. Again, a small loan is often the ideal way out of this rather confusing situation.

The easiest way to make a small loan at the house bank. If you have been a customer here for a long time, then there is a certain relationship of trust between the bank and the customer. Here it is usually sufficient to complete an application form, to submit the application, the rest is a formality that is usually done quickly by the bank. In this case, the bank also likes to waive a private credit information, this is especially true if a regular cash receipt takes place and the account is not constantly in the target.

Info:
This matter at the house bank is usually completed within a few days and the money is then in the customer’s account

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Travel loans

First of all it is important that we are clear that travel loans are loans that are granted by banks or private companies.

They are usually requested to pay for plane or train tickets, hotel reservations or any other pleasure or leisure that we want to grant during our vacation, regardless of the destination they have.

It is not difficult to access loans for travel, everything will always depend on our need for funding and our urgency to get the money, so we recommend applying for any type of mini-credit, quick loans or personal loans to get financing for the trip.

The approval of the travel loans will depend on our economic situation, what our financing needs are and how much we can assume monthly to be able to reimburse the amount obtained correctly.

Ways to finance travel loans

As mentioned above, for travel loans, we advise all users to use mini-credits, quick loans, personal loans and even make use of their credit cards.

Which to go, always depend on the financial situation of the user and the terms that can be adjusted.

Let’s see what is the maximum amount of each type of credit and how long we can repay the capital:

  • Minicréditos: you can get from 50 to 1,000 euros, to return from 1 to 30 days.
  • Quick Credits: offer credits from 100 to 5,000 euros, to be repaid from 1 to 24 months.
  • Personal loans: will allow you to acquire from 3,000 to 50,000 euros, to return from 1 to 10 years
  • Credit cards: depending on the profile of the user you can get this credit (the initial is usually 600 euros), to return in 1 month to 5 years, depending on the monthly payment we are paying.

Requirements to access travel loans

As expected, all the requirements that will be required to access a loan for travel, will always depend on the methodology with which we have decided to work.

All the loans for travel will be different depending on the price of the same, the loan that we want to contract and the entity to which we go. However, in most cases we will have to meet a series of basic conditions to obtain the credit:

  • Be of legal age, although certain lenders may require us to be over 21 or 25 years old.
  • Have a DNI, NIE or passport that certify that we are permanent residents in Spain.
  • Have a regular, stable and sufficient income that can guarantee the correct return of the loan.
  • Not appear on any list of defaulters, although if this is our case certain companies will allow us to get money despite this situation with the loans with Financial Credit Institutions.

How fast are the travel loans approved?

It is one of the first questions that everyone asks when they decide to apply for one of the aforementioned credits to access travel loans.

All these management times will depend on the benefit system to which it goes, of fulfilling all the requirements that it requires; all the processes are different.

  • Minicréditos: in general the approval of the application is done online, so that we will know almost immediately if it is approved or not. Once approved if the client has an account in one of the banks with which the lender works, the deposit is made in 15 minutes. Otherwise the income can take up to 48 hours.
  • Quick credits: process similar to the mini credits. The response of the application will take a few minutes and the income of the money will take between 15 minutes and 48 hours.
  • Personal loans: if the loan for trips is through a bank it can take several weeks. If, on the contrary, it is through a private company, it will take between 24 and 48 hours once the application is approved.
  • Credit cards: Approval by this means takes approximately two weeks. Once we have the card, we can arrange the requested travel loan money.

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Loans of 15,000 Euros

You need a vacation or you have an unforeseen expense, now you can quickly access a loan of 15,000 euros, with which you can cover your needs.

You can get a credit of 15,000 euros you do not need many paperwork, or paperwork, and you get your money fast.

A personal loan of 15,000 euros allows you to get the money faster than in a traditional bank. In addition, there are credits with Financial Credit Institutions.

The fast loans online companies offer you different credits and many options to pay, do not drown in debt, get the money you need so much.

Loan of 15,000 euros without endorsement

Now you can get a credit of 15,000 euros without endorsement, with the options of online loans it is possible to obtain that money you need without showing your credit status, you do not need an endorsement, or compromise your assets or vehicles.

For this reason, a loan of 15,000 euros without a guarantee is your answer when you do not have a guarantor for your loans.

You can also get loans of 1000 euros under this same modality without endorsement amounts of up to 60000 euros.

Loan of 15,000 Euros without Payroll

With this type of personal loan you do not need to commit your payroll, since there are credits up to 15,000 euros that do not require this requirement.

You receive a loan of 15,000 euros in a few minutes and without the paperwork or paperwork that this type of personal credit requires when you ask for it in a bank. Many times you can opt for this credit just by presenting a copy of your ID and without endorsement.

Also the online loans of 2000 euros can be granted under the modality without payroll.

15,000 Euros loan with Financial Credit Institutions

An interesting option is the personal loan of 15,000 euros with Financial Credit Institutions, since many times if you are in this delinquency list no bank will credit that money.

So, in these cases a loan of 15,000 euros online becomes your best option, since they do not take into account this requirement to give you the capital, nor will you require a guarantee.

The credits of 15,000 euros under this modality will not put obstacles on you, nor will they demand a large volume of papers to give you the money.

Loan installment of 15,000 Euros

Online lenders have a virtual calculator that will allow you to calculate the installments for your 15,000 euros fast credit. Each entity has its parameters regarding the payment of this type of credits, therefore you should investigate and be sure before acquiring the debt.

Loan of 15,000 euros to 5 years

With your credit of 15 thousand euros you can opt for payment in a period of 5 years, with reasonable fees and reasonable interest. Even under this modality you can get loans of up to 90 thousand euros.

Credit of 15,000 euros to 10 years

You can also get 15,000 euros loans, which you can cancel within 10 years, this depends on the entity, but some of them offer an APR of 5.06%, in comfortable monthly installments of 189 euros.

Loan of 15,000 Euros Urgent

With your loan of 15,000 euros you can receive the money in your account in a matter of minutes, so do not waste time and contact the company of your preference to acquire your quick credit.

With these entities a credit of 15,000 euros will be granted according to the company within 24 hours or less.

You can also opt for a credit of 20000 euros without endorsement, without payroll and even being in delinquency lists.

How to get a loan of 15000 Euros

I need a loan of 15,000 euros, we have the answer, and now you can apply for a loan of 15,000 euros easily, just by following these simple steps:

  1. Enter the portal of your choice and register.
  2. You select the amount and the term in which you will cancel the debt, for which you have the virtual calculator.
  3. Fill in the form with your personal, banking and employment information.
  4. Verify your data via email, consigning a copy of your ID or other document that you request.
  5. Receive the money directly in your account.

As you will see, asking for a loan of 15,000 euros has never been easier.

Where to ask for a loan of 15,000 euros

There are different portals via internet where you can request this type of credits, also pages that allow you to compare the different alternatives, and thus choose the one that is most convenient for you.

Online credit of 15,000 euros

An online credit of this type can be obtained directly in your account, and there are different offers in the market, research and compare in several portals before choosing the one you consider most suitable for you.

Loan simulator of 15,000 euros

This is a great advantage with these pages of loans, you calculate with the simulator the amount of money you need and it will inform you the respective interests and fees to cancel.

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Fixed interest mortgage loan

The fixed-rate mortgage has the characteristic of fixing a monthly payment throughout the requested loan, since 2013 the fixed-rate mortgage has become the definitive weapon for obtaining new loans since they are very cheap than the other types of loans.

Some rectify that there are traditional banks that offer a loan of up to 80% of the value of the home with terms of up to 30 years. However, it must be taken into account that the cheapest offers are for shorter terms (10-20 years).

Also, it is important when signing any contract to specify the opening commission as it can usually be higher than in other types of mortgage and very rarely less than 1%.

Mortgage fixed interest and its advantages

When making this important economic decision as it is to mortgage a home, it is necessary to know what are the advantages it offers compared to other types of mortgage.

You must be in total security the type of mortgage that suits you and how it works, therefore, here the advantages of fixed interest mortgage :

  • When applying for a fixed interest mortgage you will know in advance what is the monthly payment to pay since it will not be affected by interest rates such as the Euribor, so there is no surprise in the long run, this is very important when applying for a mortgage , because people who do not know about the Euribor usually get scared when they request another type of mortgage.
  • The fixed interest mortgage is not much higher than other types of mortgages so they do a good financial play in many cases.

Disadvantages in mortgage fixed interest

Disadvantages in mortgage fixed interest

As with any other type of financing this also has its cons, despite being a very viable economic outlet let’s see why it may not be the best for you:

  • The fixed interest mortgage usually has monthly fees much higher than other types of mortgages, both for interest and for selected terms.
  • In the fixed interest mortgage, the longer the term you request, the higher the interest rate of the mortgage and this does not happen in other types of loans .
  • The Euribor is at its historic minimum, so there are other types of mortgages that have a better possible situation, in the short term.

Is it worthwhile to apply for a fixed interest mortgage?

Is it worthwhile to apply for a fixed interest mortgage?

Everything depends on the mortgage that best suits your needs, as well as its availability and the flexibility it offers.

If you believe that this type of mortgage is for you then you should inform in different banking institutions since each one will have its characteristics, as well as the requirements that are necessary to process your request.

Many banks will first study your case before giving you a specific answer, as well as the property that you will have to leave as insurance in the event of a non-payment to verify if the mortgage amount is relevant to the property and to be able to make the fixed interest mortgage .

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