How do you choose the right amount of payday loan for yourself?

You want to take out a payday loan, but you do not know what amount will be right for you?

Jak wybrać właściwą kwotę pożyczki dla siebie?

It is good to think about it not to take too much or too little. How to determine how much money do we need from a payday loan? Check with us!

We take out payday loans for various purposes, including renovation, purchase of home furnishings, holiday trips, children’s school kits or debts. We can take a payday loan for any purpose – it’s up to us how we use the money we receive.

The amount of the payday loan we can get depends on a number of different factors, including what offer we choose, and what our creditworthiness and creditworthiness is. In the case of payday payday loans it is usually up to several thousand zlotys, for installment payday loans even several hundred thousand zlotys.

The payday loan hit the bull’s-eye

A good payday loan is one that will meet the borrower’s requirements – also in terms of the amount available. We usually take payday loans for a specific purpose, which is why we should choose the amount of money to exactly how much we plan to spend money. For example, if we want to buy a new washing machine for PLN 1200, we can simply take out a payday loan for PLN 1,200.

However, if we can get a higher sum, there is a temptation to spend additional money on other, less urgent goals. Of course, it does not have to be that way – we can, for example, take more money and make long-planned wall painting. However, when we think about spending money on something that we do not really need, it is worth considering twice.

What too much is not healthy

The payday loan amount should not only correspond to the purpose for which we want to spend it, but also our financial capabilities. Taking a large payday loan when you are in a bad situation can be a simple way to get even more trouble.

Therefore, we should be careful when the payday loan company or the bank wants to offer us a payday loan higher than our current needs. Let us calculate whether a given installment will not be too much of a burden for our household budget. Then we can fall into a spiral of debt, our case can go to the debt collector, finally to the debt collector.

In order not to take another payday loan when you run out of money

On the other hand, we must also remember to set our payday loan amount so that it does not turn out that we will have to contract another one soon. This applies first of all to cases in which we want to carry out repairs or repairs of the car and we do not know exactly if there will be any additional costs that we do not know about yet.

In this case, it is worth thinking about taking a slightly larger payday loan, for example by 10% or 20% in relation to the assumed amount. But do not spend the surplus at once – let’s wait for the work to end. When it turns out that we do not have to use an additional sum, we can use it to repay the installments and give the payday loan earlier or simply to spend on other purposes, but only if we know that we need enough money to repay the remaining debt.

Payday Loan Requirements: What do I need to receive funding or loans?

Payday Loan Requirements: What do I need to receive funding or loans?

In this page we will deal with a very important aspect related to the loan, which is the necessary requirements to be able to request it. So let’s find out what it takes to receive funding and payday loans, with the income guarantees that will be required by the company.

Requirements Payday Loan: age, residence and documents required for foreigners

Within our website we have repeatedly talked about payday loans, which are undoubtedly among the best in circulation as they allow us to receive up to 60,000 euros. An aspect that is good to analyze in detail to know if we can access without problems the funding we need is that of the requirements that are required by the company. This is in fact the main obstacle to overcome in order to obtain the sum of money we need. All credit institutions must protect themselves from the possibility of non-repayment, and to do so they require minimum requirements without which it is not possible to obtain a loans. So before submitting a loans application is good to know what are the necessary requirements and what the economic guarantees that we will have to present to get the money we need.

The first requirement that is set in the funding regulation is that concerning age limits. Obviously, as with any form of loan, it is essential that the applicant be of age, so he is over 18 years old. As for the maximum age that can be had at the time of the request, sets this threshold at 75 years. The age limits considered by are if we want the “standard” ones set by different companies, even if it must be said that there are credit institutes that make it possible to submit the request up to 80 years. The second basic requirement concerns the residence of the applicant. The latter must in fact necessarily be resident in Italy, and will have to prove it with appropriate documentation. On the basis of what has just been said, therefore, those who are resident abroad, even if they are Italians, can not submit the loans application.

As far as foreign citizens are concerned, no further restrictions are placed, so this means that it will be enough for the foreign applicant to be resident in Italy at the time of the request for funding. What is the necessary documentation to apply for a loans directly online? For Italian citizens it will be enough a valid identity document that can be therefore the identity card, the driving license or the passport. On the website it is also specified that among the documents that are accepted there are also the firearms and the ministerial card. As regards foreign citizens from non-EU countries, the identity document to be presented will be the residence document. Finally, for foreign citizens who come from a country belonging to the European Union, the identity card can also be used in this case, but alternatively the certificate of residence in the context or the proof of regularity of stay or residence are also valid. registry registration. Among the documents necessary to request a loans then appears the tax code. To present the latter, both the tax code card and the health card may be used.

Income documents: what is the purpose of receiving payday loans?

So far we have only analyzed the requirements concerning the applicant’s personal data and the personal documents of the applicant. However, it is not enough to have these simple requirements to access the loans without any problems. The main obstacle that must be overcome to get the money we need is that of the income requirements that are required of us. Precisely this is why many find themselves having to give up the funding they need. What are the income documents required by to access the loans? The income document par excellence is, as always, the paycheck. This is in fact the ideal guarantee for a credit institution that must provide a loans for any amount. The reason why all banks and financial institutions require the paycheck to their customers is very simple: it is a document through which the customer proves to have a fixed monthly income, from which the repayment installment can be deducted each month. that will be fixed. In particular, all you need for an employee to apply for a loan is the last two paychecks.

This is why almost all employees will have no problem receiving a loans, even if there are some exceptions. For example, employees with fixed-term contracts can not always receive the desired funding. In particular, to ensure that the customer can obtain the money he needs, it is necessary that the date on which the payment of the last repayment installment is fixed is before the expiration date of the employment contract. Finally, the additional assessments made by the company before making the payment concern the monthly salary received. According to the latter, the maximum repayment installment that the customer will be able to face each month will be estimated. Consequently, considering the duration that can be fixed and the applied interest rates, the maximum amount to which it will be possible will be established.

What has been said so far is also valid for pensioners. In this case, all you need to receive funding are the last two pension coupons and the CU model. In fact, the pension, like the salary, also represents an insured monthly income. The speech of self-employed workers is different, so they are without paychecks. In this case the earnings received by the client are not fixed every month, and are influenced by seasonality. For this reason it is a bit more complicated to access the payday loans. The income document necessary to present the request is the Unico model, which must be complete with a receipt of presentation and form with the receipt of payment. On the basis of this documentation, the company will also perform an evaluation of the maximum payment that can be dealt with by the customer, and consequently the amount that can be requested will also be defined.

The documentation that we have reported so far is the one that is also specified on the website and represents all that we need in order to apply for a completely online loan. As for those who are unemployed, there is no way to request online. However, if you are unemployed and looking for a loans, our advice is to go to one of the branches, whose complete list can also be consulted on the company’s website. In this case, in order to obtain the financing you need, the presentation of a guarantor is essential. So a relative or a friend can guarantee for us by presenting a valid income document. In case of non-payment of installments by us it will be the guarantor to have to pay the amount not refunded.

 

 

Payday Loans for private employees: right away for you up to € 75,000

Payday Loans for private employees: right away for you up to € 75,000

Payday loans for private employees: the convenience of installments always in line with your salary

Payday loans for private employees – which in the most used form, are provided through the formula of the assignment of the fifth salary – allow employees of private companies with a permanent contract to have in a very short time available up to € 75,000 through the typical methods of the assignment of the fifth.

The installments of the Payday loan for private sector employees are deducted directly from the applicant’s payroll and paid by the employer, who are responsible for the payment of installments. The amount of the deduction can not, under any circumstances, exceed the threshold of one fifth of the salary of the employee, or never more than 20% of the net paycheck.

Use the form to receive an estimate of the Payday loan you wish to apply or arrange an appointment at the branch to find out more about the personalized financing solutions.

A Payday loan of up to € 75,000 is available to you!

  • The reimbursement takes place directly from the paycheck.
  • A repayment plan from 24 to 120 months and an installment that can not exceed 20% of your salary.
  • You only have to present your paycheck.

Take advantage now of the benefits of the Payday loan for employees and credit to your projects thanks to our dedicated solutions.

Fill out the form to immediately receive an online estimate of the Payday loan you wish to apply for, or arrange an appointment at the branch to find out more about the customized financing solutions proposed.

Payday loan solutions accessible and open to all

  • Anyone with a permanent contract.
  • Anyone aged between 18 and 83 years
  • Anyone who is resident in Italy.

Take advantage now of the benefits of the Payday loan for employees and credit to your projects thanks to our dedicated solutions.

Fill out the form to immediately receive an online estimate of the Payday loan you wish to apply for, or arrange an appointment at the branch to find out more about the customized financing solutions proposed by

Without other guarantees in addition to the paycheck

  • Fill out the form and receive your quote.
  • Come and visit us at the branch and sign the request for your Payday loan.
  • Get the Payday loan quickly without any guarantees.

Take advantage now of the benefits of the Payday loan for employees and credit to your projects thanks to our dedicated solutions.

Employee Payday loans

Access your personal Payday loan in a quick and simple way with the assignment of a fifth of salary or pension.

  • Payment delegation
  • Transfer of the fifth private employees
  • Assignment of the fifth to state and public employees
  • Assignment of the fifth for retired persons

Payday loans

Fund your projects with the solutions that has designed for retirees.

  • Travel and holidays financing
  • Funding studies
  • Motorcycle financing
  • Marriage financing
  • Home financing
  • Camper financing
  • Boat financing
  • Health and beauty financing
  • Car financing

The payday loan can be taken throughout the week

Need extra cash? When the weekend is over, you do not have to wait until Monday. Today, you can take out a payday loan all week long – without leaving your home!

Pożyczkę można wziąć przez cały tydzień

A quick and convenient payday loan for any purpose is available to almost everyone. We can apply for it not only in banks, but also in non-bank payday loan companies. Loans are a great proposition for people who want to receive cash as smoothly as possible.

For a payday loan, we can go to a bank or loan company outlet, but we can also take advantage of internet offers. They are particularly worth attention when we would like to get a loan even during the weekend.

When the money is needed immediately

There are situations when we can not wait until Monday to submit a payday loan application. We may need money to buy the necessary home appliances that have gone wrong, for example fridges or washing machines, we must have them to cover a debt or help our relatives who need them.

In this case, it is worth looking for payday loans that are available not only on weekdays, but also on weekends and even on holidays. Where can you get them?

A non-stop payday loan available on-line

Payday loans provided by fixed-line institutions are most often available only on weekdays, i.e. from Monday to Friday. Some bank branches also operate on Saturdays, so we can sometimes apply on this day and receive a decision. However, we must remember to bring all the required documents with us – otherwise we will not make a request.

It is much easier to borrow online. In this case, we handle all on-line formalities, so we do not have to go to the facility. Such payday loans can be obtained both banking and non-banking.

Payday loan right away – apply now!

We can get an Internet payday loan at the weekend when we are a regular customer. Then the bank determines our creditworthiness based on our account activity and issues a decision. Attention! Not all banks consider loan applications on weekends. Sometimes they are checked and approved only on the first business day.

Non-bank payday loans are available for this. Here we should check whether the loan company works also on weekends – this data is most often found on its website. Many companies of this kind also provide their clients with help on weekends, which is why we can then submit an application right away.

However, we must remember that a lot depends also on the bank in which we have an account, which affects the methods of verification of our data – in the case of intra- bank transfers, the booking takes place immediately. For these interbank only on business days, unless we use special express transfers supported by the lender.

In summary, if you need a payday loan even at the weekend, you can get it at selected banks and non-bank loan companies. It is worth checking their working hours before submitting the application!

Payday Loan up to 10,000 euro

Payday Loan up to 10,000 euro

If you are interested in applying for a loan of 10,000 euros, then in this article you will find all the useful information related to loans. So we will see how you can request a quote by performing the online simulation. Finally, some examples to know the characteristics of this form of financing, with the duration and the amount to be paid each month.

How to apply for a € 10,000 payday loan

When we are looking for funding, as we often recommend on our website, the best thing to do is to turn to the main companies in circulation. Surely a big bank gives more guarantees than the lending solutions that we can find surfing the internet, even if the latter promise us seemingly better conditions. For this reason, if you are looking for a 10,000 euro loan, a solution to be taken into consideration is that of payday loans. The first reason for choosing this product is, as we said, the great reliability of the company we are talking about, which even since 1984 has specialized in consumer credit.

The reasons why we may need a payday loan of 10 thousand euros are then multiple and of a different nature.

Let’s see what are the projects that are considered by us, and among which we will then have to choose when requesting an estimate first, and then also to proceed with the request for the actual loan. In the corresponding drop-down menu of the simulator, we will first find the expenses related to the vehicles. Here we can choose between buying a car, specifying whether it is new, used, or used for less than 12 months. We can also request a loan to purchase a new or used motorbike, or even to purchase a motor home or boat.

The second category is real estate, which includes the purchase of a house, a land (building or not), a box or any other type of property. As for the home, a 10,000 euro loan can be very useful to cope with restructuring costs, or the purchase of furniture and appliances, but also to apply photovoltaic panels. Any purchases of electronic products such as smartphones, tablets and PCs are also considered as projects. In addition, funding can be useful for our free time, and therefore organize a holiday, or family ceremonies and events, or still face university expenses or other courses. Finally, among other projects are mentioned medical expenses and legal fees, which unfortunately we can face.

We have seen why the 10,000 euro payday loans can be the ideal solution.

Let’s see in detail what are the characteristics of this form of financing, so as to be able to identify which is the ideal duration that determines a suitable installment for our economic resources, without providing excessively high interests. As we know, in fact, with payday loans the company offers us the opportunity to choose between different solutions, which are distinguished by the number of installments provided for reimbursement. As the number of installments increases, the amount that we will pay each month will be lower, while the latter will increase as we decrease the duration of the loan.

It should be said that therefore the ideal duration is that which provides for the lowest installment, which therefore we will not have problems to deal with. However, the negative aspect of a longer duration is linked to the interests we are going to pay to the bank which issues the loan, which will also be higher. For this reason the best thing to do is to find the right balance that allows us to minimize the interests, but with a monthly payment that does not change too much the budget at our disposal. In the table below you can find the estimate, with repayment installment and interest applied, for each of the possible durations, which will be useful for identifying the ideal duration.

DURATION MONTHLY RATE TAN% APR%
18 months € 583.50 6.26 6.44
24 months 444.40 euros 6.26 6.44
30 months 361.00 euros 6.26 6.45
36 months € 305.40 6.26 6.44
42 months € 265.70 6.24 6.43
48 months € 236.00 6.25 6.43
54 months € 213.00 6.26 6.44
60 months € 194.50 6.25 6.43
66 months € 179.50 6.26 6.44
72 months 167.00 euros 6.26 6.45
78 months 156.40 euros 6.26 6.44
84 months € 147.30 6.25 6.43
96 months 132.70 euros 6.26 6.44

If you are interested in applying for a loan of 10,000 euros, contacting us, from the table above you will immediately notice how the duration can vary from a minimum of 18 up to a maximum of 96 months. With regard to the applied Tan and Taeg interest rates, we note that these are almost constant as the number of months in which the reimbursement decision is made varies. However, as we have said, it is always better to move towards the top of the table, given that the overall interest we are going to pay will be considerably lower.

 

 

Payday loans, how to apply for them

Payday loans, how to apply for them

 

We are more and more avant-garde in the Payday loans sector, also proposing Payday loans without paychecks that meet the needs of many Italians, who in some cases have difficulty accessing credit due to atypical employment contracts.

Even in the case of , the definition of a Payday loan without a paycheck should not be misleading: it does not mean that you can access it indiscriminately and without a more or less regular pay, but simply that the paycheck can be replaced by another type of documentation showing the income, the pension slip.

This measure meets the needs of atypical workers with project contracts, collaboration contracts, seasonal contracts, freelance professionals or workers in layoffs.
So we see the characteristics of payday Payday loan, who can access it and in what way, what guarantees are required, how much is paid out and what are the conditions and the timing for the reimbursement of the sum disbursed.

Payday loan amount paid

Payday Payday loan allows even a typical workers to access a Payday loan from € 3,000 to € 30,000, sufficient to face an unexpected expense, which can be repaid in monthly installments over a period of time ranging from 12 to 84 months, equal to 7 years.
In case of approval of funding without payroll, the entire requested amount is credited according to different methods:

  • for amounts up to 10,000 euros, it is paid in cash at the post office counter or is credited to the bank account
  • the amount requested is credited directly to the Current Account of the holders of this current account
  • the sum requested can be paid on the card, without the need to open a current account
  • by crediting the bank account of other credit institutions

The repayment of the monthly installments, which include the principal and interest, can also be made by debiting the Current Account, Card, Bank Account or by paying postal bills. With regard to the Payday loan recovery plan, and consequently the amount of the monthly payment, this is decided based on the needs and the financial resources of the applicant. Before choosing this type of financing you can still request a quote to check the sustainability of the monthly payment on the basis of the required capital.

Payday loan without paycheck: the required documents

Who can apply for payday Payday loan ? This type of financing is aimed at all workers, even those without a demonstrable income but, as already mentioned, not for those who do not have a more or less regular income.
The documents to be presented at the time the Payday loan is requested are:

  • a valid identity document
  • a certificate of income certifying the presence of a fixed income produced in Italy or a pension
  • health insurance card

To apply for funding it is sufficient to go to a Post Office and present all the documentation, which will be examined in general, around ten working days. In some cases additional documentation may be required.

Payday loans without paychecks: the Payday loan

For Card holders who need a small amount of money, provides the Payday loan.
This type of financing without payroll offers up to a maximum of 3,000 euros, which can be used freely, without having to justify in any way the expenses made.
There are three bands of amounts: up to 1,000 euros, 1,000 to 2,000 euros and 2,000 to 3,000 euros; the repayment term, on the other hand, is unique and is set at 22 months.

Payday loan: the documents to be submitted

To request the Payday loan, simply go to the nearest Post Office and present the following documents at the counter:

  • a valid identity document
  • the health card
  • a document showing the income

Foreign citizens must also present:

  • the passport, in addition to the presented identity document
  • the residence permit or valid residence permit
  • for employees, a document certifying residency in Italy for at least 12 months
  • for self-employed workers, a document certifying that you have resided in Italy for a minimum of 36 months
  • documentation certifying that the Payday loan applicant has been working continuously for at least 12 months with the same employer

In some cases, in addition to the listed documentation, additional documents may be requested. There are also age restrictions to be able to access this type of funding: they can in fact request people aged between 18 and 70 at the time of the request.

Payday loan: how it works

The entire sum requested with the Payday loan, also granted without a paycheck, is provided in a single solution and made available on the card of the applicant, who will be able to use it without restrictions and without the need to present expense documentation.
The Payday loan, of 3,000 euros maximum, will be repaid in fixed monthly installments debited directly on the card or on the Postal Current Account of the applicant.

Payday Loan delivery: How much time does the money receive?

Payday Loan delivery: How much time does the money receive?

A very important aspect when evaluating a payday loan is that of disbursement times. Let’s see how long we can receive the money we need if we choose the payday loan. Finally, the opinions of users and some useful tips that will allow you to minimize the time of disbursement of your funding.

If you are looking for a loan of any kind, among all the best solutions there is certainly the payday loan.

There are several advantages of this type of financing, both as regards the interest rates applied and for the various additional services that are offered to the customer, such as the possibility of modifying the installment or skipping it to pay later. Among the aspects that are most taken into consideration when choosing the ideal product are the delivery times. Very often in fact we find ourselves in the situation of having a certain urgency in receiving the money we need. For example, if we have to face an unexpected expense like that for the mechanic in case of machine breakdown, or for medical treatment for which we can not wait too long.

For this reason the definition of fast personal payday loans was born over the years. Are the payday loans part of this category of payday loans? As always, to know the characteristics of this product, it is useful to visit the company’s website, where all useful information is presented. Among these there are obviously the indications regarding the delivery times. In this sense there is certainly good news for all those interested in receiving funding. In fact, the financial website highlights how, thanks to this product, you can receive the amount of money we need even in the day. The methods of delivery provide for a credit by bank transfer to the current account in the name of the customer who submitted the request. Alternatively there is the possibility to choose the payment by check. Therefore based on our needs we can choose the mode of delivery that we prefer.

It should be stressed that, however, that relating to the time of disbursement of the payday loan is only an estimate indicative of how long it may take to have available the amount requested. There are several factors that can determine the timing of payday loan disbursement. Obviously the delivery in the day occurs if there are no hitches in the procedure for applying for the payday loan. In particular, the applicant must first of all be reliable, that is, not be defined as a bad payer. In fact, very often the delivery times are lengthened by the need for the bank to carry out all the necessary checks regarding the customer’s profile. For this reason, all those who are already customers and therefore have already been evaluated are benefiting from this point of view.

Waiting times and useful tips to reduce them

What we have just said about payday loans is only what is reported on the official website of the company. Are the short delivery times and even the one-day delivery confirmed by the customers on the main published opinions on the sector forums? Based on our research we can state that customers consider themselves fully satisfied from this point of view. In fact, in most cases the estimated time on the company’s website is actually respected. Obviously there are also those who complain because instead found themselves in the situation of having to wait a few more days before having available the amount of money desired. However, this is probably the case that we have already considered previously, namely those customers who have had problems with their funding request. So we can not say with certainty how long it takes to receive a payday loan as well as any other form of financing. However, some tips may be useful to minimize the time of disbursement of your payday loan.

In particular, the probably most useful advice to minimize the time of disbursement of the payday loan to which you are interested is to know all the documentation necessary to make the request. Very often it happens that after having set an appointment at the branch and after having had a meeting with a consultant, it is necessary to fix a second appointment. The reason is very simple: often in the first meeting we do not have all the necessary documents to present the request for funding. In this sense, our advice is first and foremost to carefully read all the useful information we can find on the website. It can also be very useful to contact the toll-free number, through which you will have the opportunity to speak with an operator ready to give you all the information you need. Moreover, the advantage of having a telephone contact with the company is that of being able to request specific information regarding their situation and therefore to any additional documentation based on the client’s profile.

Moreover, another factor that could allow you to immediately receive the amount you need is to have clear ideas about the solution that’s right for you. In this sense, our advice is to use the online simulator that you find on the website and that can also be used without registering on the site. As always, just enter the amount you need and choose the duration you prefer from those available to know the amount of each monthly payment and the interest rates applied Tan and Taeg. In this way you can compare different solutions and easily find the one that’s right for you. Going to the branch afterwards with clear ideas regarding the amount to be requested and the duration of the payday loan you can immediately proceed with the request. These simple tips can therefore help you to facilitate the payment of the payday loan in the day or in any case in an extremely short time.