If you need financing for an unforeseen event, requesting a mini credit can be the solution- GAD page to check out. Whether for an unexpected expense to cover a month with more expenses than usual, if you ask for mini credits right now, you can get up to 750 euros through the Internet. Here you can check the list with the best offers in the market and choose the one that best suits you:
Hire mini credits now, is it a good option?
Everything will depend on the financial situation of each one. In times of need, when we need extra money to solve an unexpected event, we can come to the possibility of requesting mini credits now. The mini credits instantly allow us to get an amount that does not usually exceed 1,200 euros, although if we are new customers the maximum amount usually does not exceed 750 euros. Generally, they have a maximum return period of about 30 days and a cost of 1.1% per day, but everything will depend on the lender with whom we deal and the conditions offered.
Although they allow us to obtain money instantly, we must bear in mind that they are reimbursed in a maximum period of one month and must be reimbursed in a single payment, this means that if we request 100 euros to be repaid in 30 days, with a cost of 1, 1% daily, we will have to pay once a month 133 euros at one time, 100 euros requested plus 33 euros of interest. For this reason, in order to request mini credits, whether it is a good option, we must be completely sure that in a short period of time we will be able to face the reimbursement.
Currently, there are many entities that offer advantages to both new clients and former clients. For example, to be able to request minicréditos instantly that do not include without interest, return the money in more than one quota or discounts in the price, among many others.
How much money do fast mini-credits offer?
It depends on the company that grants us the loan and whether or not we are already customers. Normally the entities grant an amount that usually does not exceed 750 euros to new customers , although this maximum will vary between 300 euros and 500 euros in general, since by not requiring links or seniority to obtain them, the entity does not know us so the maximum for new customers will usually be much less than the amount that can be obtained by those who have already requested and reimbursed a mini-credit without problems.
However, once we have already requested and reimbursed the first mini credit within the agreed deadline and without problems, we will have the confidence of the entities of fast mini credits so we can access faster amounts of money that can reach up to 1,200 euros in some cases.
It is important to bear in mind that being able to get more capital, does not mean we should do it. Before requesting mini-credits without paperwork it is important to make a budget with the urgent money we need to avoid paying too much interest.
The average price of a mini loan right now
Mini credits are not as expensive as you might think; In fact, they come out cheaper than having an overdraft in the account. Its price varies depending on the amount requested and the term. The best way to compare several mini loans for their price is to calculate how much they cost 100 euros to 30 days. The average price of these products is 1.1% per day, which is equivalent to 33 euros for every 100 euros requested. However, we can find several entities that offer mini-credits at a lower price.
Mini-loans are a type of personal loans, but using the APR is not the best reference method to compare the best offers with each other. This indicator is not representative since it is an annual percentage and the usual repayment term of the mini immediate loans will not go beyond 30 days.
In some cases, we can hire mini credits totally free. The proliferation of companies specializing in microcredit has caused the competitiveness of the sector to increase greatly, so private lenders have begun to launch exclusive proposals to attract new customers and make their products more attractive than those of the competition. One of the main innovations is that now you can get mini credits now free, without commissions and with an interest of 0%.
Tricks to enjoy mini credits now and without paperwork
If we want to get mini credits right now because we need to have liquidity urgently, we just have to enter the page of a private lender, fill out your form and send it to them. The process to contract mini credits can now be processed entirely through the Internet and is usually granted in just a few minutes. However, although the entity has ordered the transfer of funds, there are times when the money may take up to two business days to arrive.
This is due to the particularity of bank transfers. While transfers between accounts of the same entity are made immediately, if this transfer is between accounts of different entities, the money will take longer to arrive. As the lenders do not work with all banks in Spain, if our account is of an entity with which the lenders of mini-credits do not work, we will take longer to receive the money.
Requirements to access mini online loans
Although fast mini-credits have a reputation for having few conditions to access them. Yes, it will be necessary to comply with a minimum of requirements that guarantee the company that we will be able to face the reimbursement without problems. These requirements will vary depending on the entity, although the vast majority usually request the following:
- Be permanently resident in Spain and have a DNI or NIE.
- Being over 21 or 25 years old, the minimum age to apply for mini credits will depend on each entity.
- Enjoy regular, justifiable and sufficient income that allows us to face the reimbursement of the mini-credits without problems within the established period
- Not be registered in files of defaulters as ASNEF. In any case, there are some entities that will allow us to obtain financing while at ASNEF, provided that the debt for which we were enrolled does not exceed 500 euros and that it does not come from a non-payment to another financial entity.
To know if we comply with these requirements, the mini-credit entities will already analyze the data of the application form, the documents that we send and the different databases such as CIRBE or ASNEF. These analyzes will be carried out at the moment of the request and will only last a few minutes, so we can get an immediate response.
The 3 fundamental aspects if we ask for mini credits and
Before asking for immediate mini loans, we must bear in mind that these products have conditions very different from those of bank loans that are usually contracted to finance projects. For that reason, it is convenient that we know what the basic characteristics of the mini credits are and what precautions it is advisable to take when hiring them to do it responsibly:
- Mini-credits are already easy products to obtain, but they are more expensive than a personal loan. We must carefully evaluate all financing options at our disposal before making a decision. It is also important to ask if we really need that money or if we can wait and save.
- They have a short return period. The mini credits usually do not have a term superior to the 30 days and it is necessary to make sure that to the expiration of this one we can reimburse the interests and the capital. In case of default, we will see our name appear on lists like ASNEF or RAI and our debt will increase considerably.
- Reimbursing another loan with a mini credit is never recommended. In this case, we run the risk of entering into a spiral of debt that can be very damaging to our personal economy.
We must take into account these tips to avoid over-indebtedness with mini loans only DNI and enter a debt spiral from which we will find it very difficult to leave. In addition, it is always essential to be completely sure that we can cope with the reimbursement of the mini-credits without problems and within the agreed period.