The fast online credits being in Financial Credit Institutions is a problem that many people have in need of an urgent loan but to be listed as Financial Credit Institutions, (sometimes for nonsense, like refusing to pay the internet bill to the operator on duty because half of the days this fall and the operator does not remedy) they deny the loan. For all those people I have created a list of loans with Financial Credit Institutions that you can get online. Although before launching to ask for a loan “without rhyme or reason “, my advice is that you verify that companies approve a free credit for being the first, and thus you save the entire amount of interest.
If this is your case, to give you a solution, I’ll detail the loans that exist in the market that can be classified as fast loans with Financial Credit Institutions online, that is, credits that you can request online (through internet) even appearing as delinquent in any of those listings.
What is Financial Credit Institutions? The National Association of Credit Financial Establishments is the list of defaulters created by different companies that sell their products or items in a financed or deferred payment way. Among these companies are insurance companies, banks, credit companies, mobile telephony multinationals, etc.
Reasons for the existence of loans with Financial Credit Institutions
The main reason is that many people listed in the list are for very small debts. The typical case is that you are in litigation with a telephony operator or because you figure in listings as RAI or Financial Credit Institutions erroneously.
Financial companies have analyzed these assumptions and have detected a good market niche to offer their services because statistics have shown that despite being customers qualified as delinquent, the probability of collection is very high.
Anyway, although there are entities that are willing to lend you the money you need, I must warn you that the APR they apply is superior to traditional banking but you have the advantage that these entities can grant you the loan with Financial Credit Institutions and without payroll, which will never happen if you ask the traditional banks
How to get a loan while at Financial Credit Institutions?
Before launching to ask anyone for an online loan of money, take a series of precautions because there are many scams but with a little common sense and following a few tips will get you not ripped off.
How much do they lend you figuring in Financial Credit Institutions?
It is minicreditos, ie, amounts that do not exceed 600 euros (each entity has established a maximum amount) but often enough to get out of the hurry to have money urgently for the most diverse purposes: Payment of a traffic ticket (If you pay within the reduced period of 20 days you save 50% of the fine), rent payment, do not stay in the bank overdraft or any other situation that may arise at the most inopportune time.
These types of requests should be used responsibly and should be a means to get liquidity in extraordinary situations and not as a recurrent means of having money in your pocket because although you have to keep in mind that money is not dropped from the sky but you have what to return it
How to get out of Financial Credit Institutions?
In the event that you figure in Financial Credit Institutions or another list of defaulters such as Register of Unpaid Acceptances or Bank of Spain’s Risk Information Center, ask for the loan in the entities that I have mentioned above and so that in a future you can ask for the money in other entities, process your exit from the list in the following way:
Pay off the debt you have with the entity or company that proposed your inclusion in the Financial Credit Institutions list and that prevents you from requesting a loan from companies such as Vivus or Creditomas, and immediately, require them to contact the managers of the list of defaulters so that they eliminate from their database of defaulters (legally they should communicate this situation in a maximum period of 7 days from the moment in which you paid the debt)
Rise of the fast credits being in Financial Credit Institutions
According to published studies, 200,000 people are registered each month in one of the 150 lists of defaulters in Spain, mainly for small claims. As I have explained, appearing in Financial Credit Institutions can cause you to have no option to fast credits. As a result of the increase of potential clients in this situation, some entities already process their applications despite having a reputation as bad payers, because they do not want to waste a very important market share.
The situations that end in Financial Credit Institutions are the most diverse: by mistake of some company, for not paying the phone fee because the client feels cheated by the poor service provided.
Are mini loans always granted with Financial Credit Institutions?
The answer is no, each request is examined in a personalized way because the delinquency history leads one to think that there may be delays or delays in the return of the loan.
Some companies will require you to present a photocopy of the payroll and others do not.
I do not want to discourage you, but do not cheat either, even though you are registered with Financial Credit Institutions, they will study your request but I can not assure you that they will approve it, although they are approved more and more because the national economy is slowly recovering.