Tricks to get an online loan

On many occasions there are inconveniences without notice, being necessary to have a reserve of money to solve a problem and for these types of cases there are various companies that offer the service online. Having said that, we will present several tricks to grant you a personal loan through the internet.

Easy approval online loan offer

Last update: 11 November 2020
Ranking created based on the most frequently granted loans
7 - 30 days
term
$ 50 - $ 300
maximum first loan
Yes
free first loan
Yes
Supports Credit Checker
" APPLY FOR "
1 - 48 months
term
$ 50 - $ 7,500
maximum first loan
No
free first loan
No
Supports Credit Checker
" APPLY FOR "
91 - 120 days
term
$ 100 - $ 1,000
maximum first loan
Yes
? Varies by lender
free first loan
Yes
Supports Credit Checker
" APPLY FOR "
61 - 120 days
term
$ 50 - $ 300
maximum first loan
Yes
free first loan
Yes
Supports Credit Checker
" APPLY FOR "
6 - 60 months
term
$ 500 - $ 10,000
maximum first loan
Yes
? varies by lender
free first loan
Yes
Supports Credit Checker
" APPLY FOR "
2 - 3 months
term
$ 50 - $ 750
maximum first loan
Yes
free first loan
Yes
Supports Credit Checker
" APPLY FOR "
1 - 60 months
? Even from 7 days
term
$ 50 - $ 9,000
maximum first loan
No
free first loan
Yes
Supports Credit Checker
" APPLY FOR "
5 - 30 days
term
$ 50 - $ 1,000
maximum first loan
Yes
free first loan
Yes
Supports Credit Checker
" APPLY FOR "
5 - 62 days
term
$ 100 - $ 400
maximum first loan
Yes
? Up to € 300
free first loan
Yes
Supports Credit Checker
" APPLY FOR "
2 - 3 months
term
$ 50 - $ 750
maximum first loan
Yes
free first loan
Yes
Supports Credit Checker
" APPLY FOR "

The idea of ​​these associations is to obtain financing in the shortest possible time, either in cash or directly in the current account, without having to go through thousands of bureaucratic procedures.

In this way, it is not necessary to leave home or stand in long lines to find a specific amount.

You will be surprised at the number of institutions that are responsible for providing the first loan for free , with a 0% commission . There are also entities that offer loans without having to be on the payroll and even express that works with just one click.

That is why we want to teach you to use some basic tricks that will be very useful to obtain the money at the moment, they usually take between 5 to 15 minutes to analyze the profile and deposit the cash.

What is the first thing you must do to get a loan?

Here we will show you the fundamental tricks that you will need to take into account when acquiring a loan , in this way you can optimize the research time and selection of the capital you want without becoming a client with arrears to process the documentation as soon as possible.

Do not lose your cool, all online institutions go through an evaluation of both documents and personal data.

Always ask as far as you can pay

One of the main tricks is that, although it seems obvious, it is important to know for sure that you cannot ask for more than you could pay, it is not the same to ask a credit agency for a loan of € 1200 than € 2000 when your salary is in an average of € 1500 just because you want to use the rest of the money to buy other items of interest.

All online agencies have requirements that adjust to the profile of each of the clients with the intention of taking care of their finances so that they can assume the debt for a certain period.

Avoid being in Credit Checker or look for a suitable loan

The company that granted you the credit, before it includes you in a Credit Checker list , the main file of United States, has the task of notifying 30 days before that you will enter the group of insolvent so that you can pay the total loan.

However, nowadays it is possible to find a loan online with Credit Checker , that is, having debts, but, the commissions and terms are often not so favorable, so it is advisable to have a clean record.

Read the loan conditions carefully

This next trick you should know how to use to be granted a loan, because many times in the desperation or speed that you carry when you carry out a procedure you can ignore the small letters of the contract where they charge other types of interest rates, much higher than those mentioned.

You must be attentive to what the finance advisor says during the negotiation , as it is important that from the beginning everything is kept in the document, without alterations, to be able to assume responsibility with absolute peace of mind.

Always provide real data

Tricks to get a loan

In the financial sector, it is not advisable to give wrong information and false information , since this can harm your profile as a client, because agencies will always seek to corroborate the veracity in their internal database.

In addition to being considered as a fraudulent action, it could also lead to unnecessary legal problems, but we all know that we can make mistakes, so in view of this it is possible to solve things in an easy and uncomplicated way directly with the advisor.

Look at the APR

When you ask for a loan or credit, the APR (Annual Equivalent Rate) is usually calculated according to the real index that you will have to pay per year, however, there are clauses that can increase the pre-established rate , such as: insurance, cards, extra commissions, among other financial products.

For this reason, it is necessary to be aware of all the costs that are included in the total payment of the borrowed capital.

Compare different personal loans

Within the Taichi Arts platform there are lists in our rankings where you can compare different offers to get the best personal loan , the objective is to carry out a deep search in advance to find what you really need and can fulfill.

In the same way, you can get all the details in detail from the loan comparators , from percentages, repayment terms, user opinions, minimum and maximum amount for being the first time.

It is also possible to select an amount of money by filling out a digital form with personal data to get options that are closest to your needs.

At what point can we request a personal loan?

Anyone can make an application to request a personal loan, and they are not always usually for emergencies. They often serve multiple purposes in order to cope with setbacks.

Some of them are the following:

  • Purchase of goods.
  • Rent payment.
  • Payment of study fees, being a specialization, postgraduate or course abroad.
  • Home remodeling or repair.
  • Car repair in the workshop.
  • Payment of public services.

Types of personal loans that exist in the market

Now that you know the tricks to be granted a loan, you should bear in mind that many financial institutions offer their new clients the convenience of requesting a capital for the first time for free, others only accept an official document or passport if it is foreign without charging commissions for extra charges.

Here I will show you some types of personal loans that exist in the market and could help you during any eventuality.

  1. Loans with Credit Checker
  2. Interest-free loans
  3. Loans with DNI
  4. Loans without payroll
  5. Youth Loans

On the other hand, there are microcredits, which are those loans with low amounts and shorter repayment terms, with a possible extension. There are also those with high values ​​that have stricter return dates.

What are the requirements to apply for a loan?

As we mentioned in the previous point, there are companies and creditors that grant a personal loan without so much paperwork or restrictions, either for first clients, bad payers, minors and even the unemployed.

Everything will also depend on the amount and type of loan.

But, generally for a company to be able to find a guarantor that adapts to the needs of the user's profile, it must follow a series of requirements, although this is not always the case.

Some of them are the following:

  • Being 18 years old is paramount.
  • Possess DNI / NIE.
  • Have a private bank account.
  • Document or guarantee, if necessary.
  • Have an email
  • Reside in Spain
  • Submit bills for services.
  • It is advisable not to be in any delinquency registry.

What to do if you have never had a credit and they do not grant you loans?

Although it is ironic, it happens that many people when they want to make an application for credit online or in a bank is not granted because they often do not have a history, much less credit problems.

The reason is simple: companies prefer clients with a good reputation, that is, who have responsibly paid the installments of the financial product. This is a way that industries apply as a defense to be more comfortable and avoid problems with future customers.

In other cases, creditors always demand that they at least have a credit card to spend money and be able to create a stable profile with the intention of generating trust and thus granting you loans.

However, the best of all is that with technological inclusion and new forms of renegotiation there are investors who accept new clients with 0% interest for being the first time, that is, free.

A woman taking advantage of all the tricks to get a loan

Why choose a private lender?

In just one click, private lenders can communicate with different clients through the internet who make requests far from bureaucratic and tedious processes, ask in more detail for information with immediate responses.

By means of a digital calculator it is possible to make a virtual simulation of what could be paid when asking for X amount of money with all the corresponding fees.

Likewise, it is common to have a bilateral contract where the person to assume the risk usually asks questions such as what he needs it for and in what time can he pay it , asking for a guarantee or guarantee.

The advantage is that for this type of services they ask for few requirements , being more feasible when choosing with great conditions to access financing.

Can I apply for personal loans if I am unemployed?

On many occasions they ask as a mandatory requirement that the person have a job so that he can justify a reliable source of economic income every month, in this way, he will be able to verify that he is going to pay the monetary fund.

However, you can get companies that accept the status on the condition that they have a third person with their own property or who can at least give as a guarantee the full refund of the money, in case things get complicated.

Sounds scary right? Anyone who goes from being a worker to being unemployed can become desperate in a matter of seconds, but we do not want that for you, so we are going to clarify how to have that guarantee.

The first thing you have to know is that if you do not have a guarantor it is possible to get a loan having an unemployment benefit, unemployment benefit and even a personal guarantee , such as: car, jewelry, land in just a few hours. The only thing you should take care of are the possible risks and use the personal loan responsibly.

Then the agencies will determine the amount of money and term in which it will be granted to prevent financial imbalances and make things worse.

We advise that you review the different offers of loans without payroll that can be granted if you end up losing your job.

With these key data we hope to have solved all your concerns, now with certainty it will be easier for you to be granted the online personal loan that best suits your financial profile without the boring paperwork using the best tricks.

Comments (0)
Leave your comment

en