What do you need to do to get a small loan quickly and easily? Who should I contact? What do you need to do to have a small amount at your disposal? And how to understand which loan to choose without burning money for interest?
In our detailed guide today we will talk about how to get a mini loan to fix some small problems or to make some purchases.
You will find all the necessary information to get the loan without going crazy and to find the most advantageous interest rate. Enjoy the reading!
- How to get a mini loan?
- The guarantees required for the mini loan
- What do you need to get the mini loan?
- How long do you need to get the mini loan?
- Interest for the mini loan
- The mini loan for protested subjects
- To buy an appliance, the financial one agrees
- Can I apply for mini loans even if I am a temporary worker?
How to get a mini loan?
An unfinished mini loan can be obtained, that is a sum of money that can be used without necessarily having to indicate the purpose. This is a quick and easy loan to get money, we are talking about personal loans.
The personal loan allows you to get money that can be repaid in variable installments. The number of installments is decided by the applicant.
Even if it is a small sum, it is always necessary to provide guarantees before obtaining the loan. The mini loan can be obtained quickly and also by following procedures on the web. Thanks to the web, getting the money usually takes a couple of days.
The guarantees required for the mini-loan
Even for a mini loan it is necessary to give guarantees to the institution, there are different types of guarantees for obtaining the loan. The guarantees to be provided are the same even for those who do not have a pay slip and must also be given by the protested parties and by those who have been marked as bad payers. Here are the various types of collateral used to obtain the loan:
- retirement : an excellent guarantee for a mini loan . In some cases the duration and number of installments can vary and be reduced in relation to the age of the applicant;
- the salary assignment : it also allows bad payers and protested parties to obtain the loan, it is enough to give as a guarantee the salary assignment which allows the sum to be repaid directly from the salary and also allows for subsidized rates;
- the pay slip : the guarantee par excellence that allows you to have the mini-loan without too much difficulty and with extreme rapidity and that also allows you to have advantageous rates;
- the guarantee of a third party : a third person can be used as a guarantor. It is possible to ask a friend, parent or relative to guarantee, as long as it can be a guarantee. The third person can in some cases become the direct responsible instead of the applicant.
What do you need to get the mini-loan?
To obtain a mini loan, in addition to the guarantees, the documents that must also be provided for the online request are required. To get the loan there is only the obligation to provide:
- The pay slip or the pension slip;
- The identity document.
The documents must be provided in all cases for a loan application. No other documents are needed to get the mini loan, the credit institution will take care of the rest.
How long do you need to get the mini-loan?
Generally the fastest way to get a mini loan is to apply online. An online loan application can be submitted immediately and the money arrives in 48 hours more or less.
These are very fast times that you only have for online loans, for a common loan you need a few days, but you get them anyway in a short time. Continue reading our guide and you will also know many other tips!
Interest for the mini loan
For personal loans, interest is often higher than for other loans, but you can still save money by paying attention to the interest rate, which is indicated by the TAN and also checking the APR
The APR is the summary total cost of the loan. The fees payable for obtaining the loan are indicated in the APR. TAN and APR can also be checked for online loan applications. For the online loan it is also possible to choose the contract conditions .
The mini loan for protested subjects
Some think that protested subjects or those who turn out to be bad payers cannot apply for a loan, but it is not. It is possible to request a loan by giving the fifth assignment as a guarantee for the return.
With the transfer of the fifth as a guarantee you can easily get a mini loan and even a loan that can reach up to 30000 euros. The repayment plans of the sum arrive up to 10 years and the interest rates are even lower than those of the common personal loan .
With the possibility of applying for a loan by a fifth assignment, it is possible for each individual to have a personalized loan.
To buy an appliance, the financial one agrees
To buy furniture or to get a new appliance, it is not advisable to ask for a loan, but it is advisable to request a loan directly in the store where you buy.
Most large chains allow customers to choose the most convenient payment method, but we advise you to check the conditions and rates again.
We also advise you to check the online shops’ financials to find the one that best suits your needs. It is therefore advisable to use some of the time available to do a search to choose the most suitable loan opportunity.
Can I apply for mini loans even if I am a temporary worker?
Yes, you can get a mini loan even if you are a worker with a fixed-term contract. However, it is necessary to give an extra guarantee, that is, that the sum of money can be repaid by the end of the work contract.
The additional conditions necessary to obtain the mini loan are the same as those offered to other applicants. So if you are a temporary worker, you can just return the amount before the contract expires to get the loan.