Buy among all the personal loans of the market to find the one that best suits your characteristics as a consumer. Here we will explain all the information you should keep in mind about personal loans without questions so you can take advantage of their conditions.
What does it mean that they are loans without questions?
The great advantage of payday loans almost instantly is that we can use them for whatever we want. The companies that work with this type of financial products in no moment of the process will come to us to question the reason for which we want the money. And there are purposes that can be personal or certainly shameful. Fortunately, we should never reveal them.
Generally, the companies that work with these personal loans without links are those that sell mini-credits. These financial products will allow us to enjoy immediate liquidity in a really comfortable way. In a matter of 15 minutes, we can get to receive several hundred euros with 100% online transactions.
Sometimes we can think that the granting of personal loans depends in large part on the purpose for which we are going to use it. And in large amounts, it can be true, but if we only need several thousand euros, we can get them without having to specify the cause behind the request just once.
Loans without indicating purpose from our house
One of the main reasons why these personal loans are so comfortable and do not need questions is that we can make the arrangements entirely from the comfort of our home. Both the application and the grant can now be made online so that we will have to go back to that moment of a certain blush before the banker to communicate the details of our personal lives.
Because we are many who have needed a loan of some kind and we have not dared to take the step of requesting it, due in many cases to that complicated moment before the employee in which he asked us the purpose for which we wanted financing. Now we can forget about that situation so uncomfortable if we want to request a mini-credit.
Therefore, only with a device with an Internet connection can we begin to compare the entire offer of personal loans without questions in order to choose the quick credit that best suits our needs. Although it may not seem at first, the comparison process is very important and should not be underestimated, because if we carry out correctly we can save a certain amount of money.
Steps to hiring personal loans without questions
Microcredits can be a very useful product for certain situations and much easier to obtain than they may seem. They help us get out of complicated situations in which the lack of liquidity is a great difficulty and now we must not specify the reasons. They are certainly fast products, so they have special contracting phases :
Compare We must do a great job of filtering personal loans without questions to choose the offer that best suits our needs as customers. And is that each company has its own conditions and in them, we must look before making a hasty decision.
Simulate Once we have chosen the company, we must choose 100% online the amount we want and the term in which we must return it. The amount we will pay in interest will vary, so we should never take your eyes off.
Fill. It is possible that they make us register on the page of the company to which we are going to request financing. We only have to complete a brief form in which we will ask for basic information such as our name, ID, date of birth, our mobile phone number, a contact e-mail and, finally, the password of the same.
Provide In the next phase we will be asked to specify how much income we receive per month and what is the source of the same, to make sure that we can return the requested amount. They will also require our bank account number, to know where to transfer the money.
Verify If they have given us the approval, it will be our turn to move the file. We will have to demonstrate our identity in different ways: uploading the official documents to the web, connecting our online bank or through authentication.
Receive The last step will be to receive the money. After the small procedures of identity authentication, the transfer will proceed under our confirmation. Now we only have to dedicate the money received to the end we prefer.
All these procedures are usually done at a much higher speed than we can think. If we are agile with our Tablet, mobile or computer, we can receive the transfer to our favor in less than half an hour, although it will generally depend on the amount that we request.
The questions begin with the large amounts
If the amount we need is not more than 3,000 euros, in no case will we be asked to reveal the reason why we want them? But as we raise the amount requested, it will be more likely to ask us more questions, since they will begin to be relatively high figures and the company will want to minimize its risks to the maximum.
In case we need an amount close to 10,000 euros, they will oblige us to specify the cause for which we are going to use them. In fact, it is even possible that they ask us for certain proofs that prove that we will use the money for the purposes we have told them, such as a travel plan in case of wanting to finance a vacation.
In fact, online personal loan companies will not grant us credits for all kinds of purposes, but we will have to adjust to the list of each company. The most common are the following: buy a new or used car, renovate the house, finance some studies, deal with dental treatment, pay for a trip and celebrate a personal milestone, buy an instrument. Generally, the interest rate will change depending on the type of purpose for which we want to use it.
How long do personal loans take without questions?
The time that we must wait to receive the personal guarantee credits varies depending on the amount we request. If we are talking about several hundred euros, we can get to receive the money in just 15 minutes. But if we want amounts close to 20,000 euros, the negotiations can be extended until the week.
Precautions when requesting personal loans without questions
The guarantee of these personal loans without questions will always be personal, which means that in case of not correctly fulfilling the repayment terms, the entity will use our present and future assets, never a specific asset, as it does in loans Mortgages with our home.
And it is never advisable to request a personal credit if we are not convinced that we can return it. Although they can be very useful financial products according to the situation in which we find ourselves, in general, they are not exactly cheap, especially in the case of mini-credits, whose interests revolve around 1% APR daily.
In addition, these very fleeting products have very short reimbursement periods, which is usually 30 days. Therefore, we must organize well if we do not want to be surprised at the end of the month. If we do not meet the reimbursement deadlines, we will have to face the default interest, which will always be higher than usual.