1Credit

Another lender joins the wide range of private lenders that offer Floatingplanet installment loans for bad credit in our country. The supply does not stop increasing and, in view of the growing demand for this type of short-term financing products, more and more companies are launching to offer money to people with needs that require small amounts to face urgent payments, and to attract attention propose very interesting promotions, let’s see what this company offers next.

1Credit 1Credito in addition to minicréditos of up to 500 euros totally free and even with Asnef, also offers fast personal loans without the endorsement of up to 6,000 euros and loans of up to 30,000 euros in which the guarantee will be your own car while enjoying it. Those yes, if you are interested in this second assumption you should contact them directly since they do not have the online option to request this type of loans.

You can choose the financing you need according to the circumstances, either to pay an invoice that cannot be delayed, a fine, a repair of your vehicle, take a trip, buy Christmas gifts, go to a wedding or prepare it, pay for your studies, perform renovations at home or buy appliances and furniture. For different cases and situations, 1Credito offers you a different product.

Minicréditos

The microcredits offered by 1Credito allow you to have a maximum of 500 euros in 15 minutes, with practically no requirements and free if it is the first loan you request. This promotion of free credits is something that other entities like Creditomas already realize to get new clients. It is a very effective and very advantageous promotion for the client, who does not have to pay any kind of expense or interest for the money he requests.

In addition, the entity grants loans even with Asnef. And although you will first consult the default database, appearing on the Asnef list will not be an impediment to getting the money, because if you can prove that you are solvent and can face the money back on time, you can access No problems with financing.

Once you have filled out the web application form, indicating your personal information, the money you need and the period in which you can return it, you must send by email a color copy of your identity document and another copy of the passbook of the bank or a screenshot of the user panel in case of accessing your account through the Internet.

In the event that the due date arrives and you can not pay on time, you have the option of making deferments, paying a fee, to be able to extend the time and pay later. In addition, you can request more than one microcredit simultaneously, provided that the sum of all does not reach 400 euros.

Personal loans

With 1Credito, in addition to free mini-credits with Asnef, you can also access personal loans of larger amounts that are also granted quickly and for which it is not necessary to provide any kind of endorsement. With them, you can have up to 6,000 euros to return in up to 60 months, something similar to what the Cofidis lender offers but with much fewer requirements and paperwork.

However, for new applications, the maximum amount will be 1,500 euros and up to 12 months. Once the first loan is returned, the next requests can be made for more and with longer return periods. Also, as with mini-credits, with these personal loans, it does not matter if you appear in Asnef.

Loans for your car without maximum term

Another option that makes available 1Credito is to use your car as a guarantee to get money quickly, without having to stop enjoying it. If you have a vehicle less than 10 years old, that does not have too many kilometers, you can pawn it and get up to 80% of its current market value, being able to continue using it without problems.

To be able to do the procedures, 1Credito has more than 20 points throughout Spain to make them. Once the contract is signed you will have one month to return the money or pay a fee to renew the loan for another month. Thus, the loan does not have a maximum term, since as long as you pay the installments you will not have to pay back the money.

As we have pointed out in the above paragraphs, for these last two cases you will have to contact them directly since the option of requesting this type of online loans is not active on your website.

Latest reviews on 1Credito Andrea This of the free fast mini-credits is a wonder. At first, I did not believe it, but after reading many opinions of people who had tried it, I decided to ask for one with 1Credito.

It is totally true that it is free, although only for the first loan you request. Apparently, it is a strategy used by lenders to attract new clients.

I requested 400 euros that I needed for an unforeseen event that came up and when I returned it, I only had to pay 400 euros, not another euro in interest, commissions or expenses.

I am very happy to have used it, the impeccable service and the great attention, I called by phone to solve some doubts and they treated me very kindly.

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A SCHUFA credit check is mandatory for a loan application for a € 4,000 loan.

A loan of 4,000 euros is still one of the smaller loans that consumers receive from their house bank or of an online bank. According to the 2014 FinanceScout24 credit study, 4,000-euro loans are mostly used for vacations or for depositing a rental deposit. In this guide, we give you practical tips on the popular installment loan.

How to find the right 4,000 euro loan

Two factors are important for every borrowing. On the one hand, borrowers have to determine their exact capital requirements, and on the other, they must know exactly how much money they can repay monthly.

Regardless of the size of the loan, you should always consider whether it is really necessary to borrow money of this amount from the bank.

Compare prices and set credit requirements
Especially when traveling, prices can vary significantly from provider to provider. Thus, you can already save by the choice of the organizer credit costs, by having to absorb significantly less money. In addition, you should weigh in which season you travel. If you are not tied to fixed holiday periods, you have a clear advantage, because then the off-season usually offers great savings.
If you deny your rental deposit with the loan, there is no room for maneuver. In this case, it all the more depends on the credit comparison, through which you can save.
Set up the household bill and check the loan volume
Although lending by the bank is a hurdle that you need to master, much more important is later repayment. Therefore, it is very important that you set up an honest household bill to determine which amount of credit you can continuously repay over the term of the loan. Never calculate too close. This keeps your liquid in the event of unforeseen expenses and you do not need to borrow another loan in an emergency.
Tip: Select a monthly charge that is no more than one third of the amount that is available to you monthly after deducting all fixed costs. If, for example, the remaining 750 euros remain in the budget, a maximum monthly rate of 250 euros would be realistic.
Think about needs and question them
A wish is not associated with costs. But before you borrow, always consider whether financing is indeed the way to go. To finance a trip with a 4,000-euro loan would speak if such a world trip later unlikely and you have the chance right now. For example, this could be a great trip after graduation, which would not be so easy to do with a family.
If you still have the opportunity to plan your trip more cheaply, you should use it as well. After all, a cheaper holiday also means lower interest costs and lower rates. Thus, the instant loan is repaid all the faster. Keep in mind that a payment obligation to the bank may mean that you can not fully enjoy your holiday. In the background is always the idea that you have to pay installments over a longer period.
loan application
If you have questioned your needs in detail and considered the consequences, you can finally apply for your € 4,000 loan.

Step by step to the 4,000 euro loan

The big advantage of the 4,000-euro loan is that it is considered a small loan. Thus, lending terms are not as stringent as a larger five-digit loan. At the same time, installment loans of this size are offered by all house banks and online banks.

4,000 euro loan without SCHUFA
Small loans are often also given to customers with low credit ratings or less positive SCHUFA. Most foreign banks lend without SCHUFA. Make sure that they are European banks and therefore subject to European law. That puts you on the safe side.

So come to your installment loan over 4,000 euros

Compare loan offers from various banks directly online. Check the corresponding offers.
Submit your loan application to the desired bank. With sufficient creditworthiness, the personal loans no credit check citrusnorth.com unsecured loans can be approved within a few seconds. In addition to a positive SCHUFA entry, this usually requires regular income as well as a residence and current account in Germany.
Sign the loan application and legitimize yourself by most significant or videoident.
After the bank has checked your application and all documents, the money will be transferred to the specified account. Depending on the bank and procedure, the loan payment may take several working days. If your bank has its own branches, you can in some cases have the loan amount paid out in cash.

Interest rate and term

The interest and the term decide on the total credit costs. For this reason, you should first select a suitable runtime. The longer the term, the smaller the monthly installments. However, with a longer maturity, interest rates often rise, which can significantly increase the cost of the loan.

In addition, when choosing the term, pay attention to the monthly installment amount that you can easily repay. Usual maturities for a 4,000-euro loan are 12, 24, 36 or 48 months.

Mostly, terms of 60 or 72 months are possible. However, the term is usually not in proportion to the loan amount. In addition, you are then tied to repayment for more than five years. If your financial situation changes in the meantime, you may have difficulty with liquidity.

With a maximum maturity of 48 months, minimal differences in APR are less significant. This is, even more, the case with shorter terms. But especially with longer credit terms, the costs increase significantly with higher interest rates. In principle, you should pay attention to the APR before borrowing. The lower it is compared to multiple providers of the same duration, the more you save on credit costs.

Without security, no 4,000-euro loan

Even if such a loan is still among the small loans, you will not get it without having to provide appropriate collateral.

The biggest security is an income from a regular job. In addition, your credit rating counts. On this basis, banks calculate the credit default risk. For this comfortably you create your own scores. For each grant of credit, it must be ensured that the borrower can make the installment payment on time.

For self-employed mostly further tests
Not all banks give a 4,000-euro loan to the self-employed. If you are self-employed, you should ask in advance if a loan is even possible. Most banks require further proof that you have regular income. These include the account statements favorable the last three months as well as the income tax assessments of the last three years. As a rule, you must have been self-employed for at least one year to get an installment loan.

For whom is a loan of 4,000 euros suitable?

Loans over 4,000 euros are often used when the credit line has already been exhausted and no financial reserves are available for necessary purchases. Many consumers also use this loan to finance essential health care, dentures or new equipment. Since the loan is still among the small loans, lending for regulated income and a sufficient credit rating is usually very easy. For this reason, the 4,000-euro loan is usually suitable for necessary, smaller purchases, which are repaid in moderate installments over a manageable period.

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