What types of loans are there?

When we look for personal loans we find not only a great variety of offers, but also different types of credits that we can request. Each type of loan is designed for a particular purpose and profile. What is an Online Direct Lender Payday Loan? We Explain.

5 types of personal loans

Below we detail the characteristics of each type of personal loan according to the amount they grant, their speed, which entity grants them, etc., so we can know what type of financing we need according to our profile:

1. “Traditional” personal loans

They are the credits that grant high amounts of financing. They are often used to finance projects such as buying a car, studying or renovating our house. Prices vary greatly depending on the lender, ranging from € 500 to € 100,000 and the repayment terms usually last for years. An example would be the ING Orange Loan, to get up to € 40,000 in financing at 7.18% APR, with no commissions and no need to pay the payroll. Your process is 100% online and in minutes we will get a response with a preapproval.

2. Mini credits

They are granted in just minutes and we can get up to € 800 instantly. They are used for specific liquidity shortages when unforeseen events arise (fines, overdrafts, breakdowns …). They are contracted through the internet with a web form and with hardly any paperwork. Depending on our profile we will have several offers, such as loans that admit people registered in files of defaulters or people without payroll. One of the most attractive offers at the moment is the Vivus mini-loan, which offers up to € 300 free to its new customers, without commissions or fees.

3. Quick credits

These products are very similar to the mini credits in terms of their concession, however, they offer us a financing of up to € 15,000. Like mini loans, they are contracted online through a form and without paperwork and are granted by private equity companies. They are used as personal loans granted by banks, but with a shorter grant time. One of the fastest loans is Zaimo with which we can get up to € 5,000 in 12 minutes, their interests vary between 5% and 12%.

4. Payroll Advances

We can request them from banks and allow us to get up to 3 times our salary. They are of quick concession, but to be able to accede to them we must have a bank account that has the option of the advance of payroll and a minimum of antiquity in the organization. One of the advance offers of the moment is the Payroll Advance Bankinter, with which we can access if we have a Bankinter payroll account and where we will be granted up to € 6,000 at 0% APR to return in 20 days.

5. Consumer loans

These are loans granted by department stores whose purpose is to encourage purchases, which is why they usually do not have commissions or are very low. They are used to buy items within the same establishment. We can buy from an appliance to a computer, through spare parts for the car. A large department store offering this type of financing is Carrefour with its Carrefour Pass Visa credit card, with which we can finance purchases of up to € 2,000 at 0% APR for 3 months.

Cash advances up to € 500

Quick loans from Contante are short-term cash advances to cover unforeseen expenses or make extraordinary purchases. They allow up to 1000 euros to 30 days and it is not necessary to have a payroll, you can apply with another source of income, and the possibility of getting cash with Hal-Cash.

Benefits

No Payroll:
Yes
With Asnef:
Do not
Cash:
Yes
Limits

Minimum term:
1 day
Deadline:
30 days
Minimum loan:
€ 50
Maximum loan:
€ 1,000

Additional information of Contante

 Contante is a fast cash advance firm, also called minicréditos, which belongs to the company Click Finance SL based in Pamplona. It offers fast loans of up to 1000 euros with very low requirements, in fact they are among the lowest in the market. You can get the money even without a payroll, yes, if we justify an alternative source of income.

With these advances of short-term money it is possible to obtain financing in a few minutes to solve unforeseen events , such as a traffic ticket, a breakdown at home or a repair of the car or extraordinary expenses such as books and school supplies or Christmas gifts. They can also be useful to make ends meet if you have had many unusual expenses.

With the automated system that Contante uses to evaluate the requests, you can get an answer in a few minutes . In addition, the entity has a series of agreements with most national banks so that transfers made at any time may be available in your bank account in a maximum of 2 hours. You also have the possibility of receiving cash from any Hal-Cash ATM.

How to request cash advances from Contante?

Image result for how toThe first step to request in urgent money with this company is to access through the Internet to the Contante website and select the amount for which you want to request the advance and the return period.

Automatically the screen shows you the amount of the credit, the fees or interest that you will have to pay for the loan of Contante and the date of return. What you see on the screen are the conditions, if you accept them and you want to make the request in Signature you must click on the “request” button to continue with the second step.

The second step is to fill in the form on the Contante website with your personal and contact information, you must also choose a password to access the private area and get your loans in real time. Also in this step you must provide some information about your situation and bank details with the account where you want to receive the money. Keep in mind that the more information you can contribute, the quicker the answer will be and the more likely you will be that it will be affirmative.

Once your order has been evaluated, you will receive an email with the answer. In addition, if the answer is positive you will also receive an SMS on your mobile, to which you will have to answer with the word OK to confirm the loan and that the transfer can be made. Once the advance payment is accepted, the money is transferred instantly to your account.

How to return the advance money

Repaying the loan in Contante is very convenient since they are responsible for collecting the money through your debit card on the due date. It is a mode that uses almost no mini-credit entity and avoids problems since the client is not paying. If there is any problem to make the return through your card you can pay with a transfer.

Early return

If you can return the money early Contante rewards you with a proportional reduction in the interest rate of your advance. To make the early return you must enter the client’s private area of ​​Contante and select the option “pay now”

Quick loans without payroll and in cash

Fast cash advances from Contante are short-term urgent loans that have very low requirements . To opt for them you must be of legal age, have a mobile and an email address. It will be necessary to have a recurring income, but it does not need to be a payroll, it can be the pension or any unemployment benefit or subsidy.

You must have your source of income domiciled in the current account that contributes to your application data and have a debit card associated with that account. It will also be reviewed if you figure on the Asnef default list, but it is possible that if you can prove your solvency you can also receive a positive response to your advance.

Advantages of the Minicréditos de Contante

One of the facilities that very few minipréstamos entities offer is to be able to get the cash immediately using the Hal-Cash ATM network, which includes several national banking entities, of which it is not necessary to be a client to be able to withdraw the money from your ATMs.

Contante does not ask for any endorsement and it is simple without paperwork. So you can know a little about the credits of Contante we show you this video:

Extension Counter

If you see the expiration of the mini-credit you have requested and you think you will not be able to pay on time, do not worry, you can extend your loan up to 30 more days. Anyway, reflect well if this is the option that interests you the most, because if the payment date has not been paid, a commission of up to 20 additional euros will be charged for the non-payment of the quick credit. And a daily interest of 1% will be added for each day of delay, which can lead to a serious solvency problem on your part.

As always, we remember that the use of this type of product to obtain fast money should be limited to special situations in which we need money and we have no other alternative to achieve it. These are very useful loans for sporadic cases of need, but their usual use is not recommended to avoid getting too much debt and paying a high cost.

Cash Loans – A Type Of Storage Test

In acquiring these online advances it’s merely the situation of stuffing one particular application form, publishing it online, waiting for quick approvals and receiving money overnight. You understand that finances that are traditional involve faxing for shift of resources of bill and application for the loan. The process is fast, simple and easy. The best way is through quality material if you are seeking to monetize your blog, improve your audience or select your company.

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Exploring The Very Best Methods For Establishing Your Own Private Credit

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Pay Day Loans Uk- The Source Regarding Monetary Actions

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