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Why are you wanting a personal loan?

Wanting a Personal Loan? How many people are in this condition today? The person who wants to take out a personal loan, the most obvious is that he needs money, of course! There are many reasons for a person to go out in search of borrowed money, it can be to pay back late debts and consolidate them into one, it can be to start a business, pay extra curricular studies, do some home remodeling and the most dangerous lend money for a friend or relative. 

In recent months the federal government has reduced some taxes, encouraged credit and consumption, as a result, an avalanche of consumers rushed to dealerships to make vehicle financing with the dealer or with the new car bank with IPI reduction, in that case the consumer wanted to switch to a more sophisticated or buy their first car – was the purchase a good one? Only time will tell.

When someone needs to borrow money, we usually judge that the resources in their hand are not enough to complete the intended business or carry out a private or family enterprise.

Personal Loans

Personal Loans

Personal Loans Although it is an effective solution to get extra money, not all situations lack this option, those who are wanting a personal loan need to understand that to pay certain things may not be the best alternative to be adopted, especially if the loan bring a waste of money or tend to accumulate their debts without bringing any benefit.

When I go to the Mall I always take a look at Hering, C & A, Renner, Zara to buy clothes for babies, I always notice some people buying and paying children’s clothes in 8x or 12 times with interest, and in 5x has no interest, this is a “Bad personal loan”, in my opinion do not buy clothes to provide, clothes to buy sight, ready!

Of course we are surrounded by tempting proposals and offers but that is not why we should stick our hands in, taking the fact of taking personal loan in an emergency situation where this is the only situation when the loan will bring a breakthrough in your standard of living or when you get a “cheaper loan to pay debts” more expensive financial, all others are worth thinking about before hiring.

If you usually finance everything you consume, there will come an hour that you will not be able to finance anything anymore, due to lack of credit, and the most serious, at that moment you must have already triggered the incessant debt engine, and surely you must already have installed in their finances the revolving credit cycle.

Problems with personal loan?

 

Am I having problems with personal loan?

Am I having problems with personal loan?

Every day this happens to dozens of people. But how to get the best cash loan, is not it easy these days? Not so much! The system has made many believe that simply comparing different bank rates, knowing the ones with the best interest rate and completing the application – that’s all right! Do they make it look easy? However not always looking for loan is the best solution or the best time of life to apply. Usually this hiring happens at the most difficult financial time. an elucidation on http://wetlandcn.com

But how do you know if it’s time to borrow money with banks or financial? Fortunately, if you are aware you will see the indicators that can tell you when it is the perfect time to apply and get your best personal loan. Now! And what are the cases where getting a personal loan is the perfect solution to solve problems ?

Remove or refund another loan

Remove or refund another loan

Experts say that it is not advisable to lend money to pay off debts as this will not fully release you from your financial obligations. However, there is a higher instance where you can get around this rule, is when you have a debt outstanding and the interest is higher than hiring another personal loan to settle, this can be done by refinancing or requesting another operation, this will help to save a lot of money.

If you think that a new loan will allow it to be saved with interest rate, then do not hesitate to apply for a loan solution. In addition to saving, it will still be possible when you finish your loan with obtaining a repayment history that justifies increasing your credit score instantly.

Credit or Debit Consolidation

Credit or Debit Consolidation

If you have put yourself in a financial ditch where you are facing multiple debts with different lenders, then a miracle is one of the ways to save you from bankruptcy or bankruptcy or you can adjust all debts in one. Fortunately, both cases are likely to happen, if the miracle does not happen for some reason, just apply for a personal loan that consolidates everything to pay off your debt, doing this, liquidate a single unified debt. With debt consolidation, there are no more variable dates and interests, just pay a single debt and everything else will be settled.

When It’s Not the Time to Get Personal Loan

When It

While there are good cases where personal loan seems to be a viable solution to your financial problems, there are also times when getting a loan application is a horrible idea and you will certainly have problems with loan if you do. Below are the worst reasons to get personal loan.

1. Buy consumer goods. Whether you like one of the newest and brightest smartphones from Apple or Samsung, or are planning to make a complete upgrade in your living room and enhance your viewing experience by buying a 65-inch 4k curve television. If you are planning to get consumer goods that are just for generating expenses, then forget to do this type of loan. Save your money.

2. In case of very high debts . Whenever we hit the panic button, it’s easy for us to make hasty decisions without thinking properly, especially when it involves financial issues. In times of financial distress, do not even think about asking money just to get out of your current situation if the new loan will not solve the problem. After all, it does not seem wise to bet your chances on a loan that is still subject to approval.

3. Money to travel . It’s fun to go abroad on vacation, after all, visiting a different place is something that all people should experience in their lives. However, if you are planning to borrow money just to finance your trip abroad, forget about this trip so you do not have problems with loan and insolvency.

NOTE : Personal loans are great tools that can help you achieve financial freedom as long as you know how to use them. If you know how to use a personal loan well, surely that money will give you an edge over endless problems with expenses, so find a lender and apply for a personal loan.

Small loan with immediate payment – The providers in comparison

Small loan with immediate payment

Small loan with immediate payment

Sometimes it’s the little things that make life enjoyable. Unfortunately, these are not always free. If you do not have enough small change to fulfill your heart’s desire, you must apply for a micro-loan with an immediate payment. But it does not offer everyone such a small loan, because usually moves the sum between 100 and 3000 euros. Because the effort is too big for some banks, they often reject a small loan. But there is still a remedy because there are five providers of such small loans on the Internet.

What is a small loan with immediate payment?

What is a small loan with immediate payment?

With such a small loan, the payout will not be long in coming. Immediately after a positive credit decision, the money is transferred to the customer. Thus, it is actually possible to get the loan amount within 24 hours. But you should not confuse this loan with an instant loan. In this case, only the loan commitment within a short time. A payment of the loan amount takes up to five days.

A small loan is also characterized by the low loan amount. It is even possible to get only an amount of 100 euros as a small loan. However, the selection of providers is not large, because for most banks, the effort is too large. Only five providers are capable of doing so. One should also keep in mind that the term is significantly limited in a small loan. For example, in the case of a small loan with immediate payment of 600 euros, this amount plus interest and any additional benefits must be repaid within two months.

How does a small loan with immediate payment work?

How does a small loan with immediate payment work?

The new Videoidentverfahren makes a small loan with immediate payment possible. The annoying postident procedure is thereby rendered superfluous. The customer only needs to verify the videoident procedure on the home PC with the corresponding documents. In addition, the SEPA credit transfers have considerably reduced the time for a transfer. However, not every bank offers the new videoident method.

What are the requirements?

What are the requirements?

First, the technical requirements must be met. The following devices are required:

  • Stable internet connection
  • A PC with webcam or a smartphone with front camera must be present
  • It is needed a corresponding software for video telephony.

In addition, appropriate documents are required. These include the front and back of the identity card. In addition, the bank wants to see a recent bank statement and the last three income notices. The credit agreement must be completed and signed.

If all conditions are met, then there is nothing in the way of an immediate payment of the small loan. So that everything runs smoothly, one should consider the business hours. At the weekend, most banks do not work and it comes in the following week to pay off the loan amount.

What are the costs for a small loan with immediate payment?

What are the costs for a small loan with immediate payment?

As with any other loan, this small loan also attracts interest. The amount depends on the respective provider. In addition, there are the costs for any additional services and lightning transfers.

What do I have to keep in mind so that the loan is paid out within 24 hours

What do I have to keep in mind so that the loan is paid out within 24 hours

In order for a loan to be paid out within 24 hours, a few things need to be considered. The technical requirements for a videoident procedure must be present. To legitimize you should keep an ID card or passport handy. Most banks have fixed opening hours. If the loan application is submitted to the lending institution before 11.00 am, the payment will be made on the same day with good luck. However, if there is a weekend in between, the next payout can not be made until the following Monday. In addition, the company has to offer express or lightning transfers. Otherwise, the transfer takes about three to four days.

Who offers a small loan with immediate payment?

Who offers a small loan with immediate payment?

The following providers offer a small loan with immediate payment to:

  • Vexcash
  • Xpress credit
  • Cashper
  • Kredit2go
  • Targobank Direct money offer.

For all providers, a German checking account is a prerequisite for the loan approval. A withdrawal is possible in 24 hours, except for Vexcash. Vexcash offers withdrawals even within 30 minutes.

Small loan without private credit with immediate payment

Small loan without private credit with immediate payment

A small loan immediate payment despite private credit is only possible with Cashper and Vexcash. Basically, the private credit is always queried before lending. With negative entries the chances of success are low. Only Cashper and Vexcash have their own rating criteria. Who knows that there are negative private credit entries, should contact these two portals directly.

How do the credit sums stagger?

How do the credit sums stagger?

A small loan with immediate payment is available in different amounts. 100 Euro, 200 Euro, 300 Euro, 400 Euro or 500 Euro are offered by most providers. If you need more money, you can take advantage of the loan offerings of Kredit2go from Smava and Fidor Bank. Here, loan amounts between 1,000 and 5,000 euros are possible.

Is a small loan with immediate payment also possible with negative private credit?

Is a small loan with immediate payment also possible with negative private credit?

No bank assigns a loan with a negative private credit, but with Vexcash and Cashper it depends on the type of negative entry. If there is an affidavit, if there are wage garnishments or if the borrower is in private bankruptcy, there is nowhere a loan.

Is the completion of a residual debt insurance necessary?

Is the completion of a residual debt insurance necessary?

For a small loan with immediate payment no residual debt insurance must be completed. That would unnecessarily increase the amount for a small loan amount. Since a small loan is most of a manageable amount, there should be no difficulties with the repayment.

How often can I request a small loan with immediate payment?

How often can I request a small loan with immediate payment?

Once the first microcredit has been paid in full and on time, there is nothing to prevent another loan. The conditions for lending have remained the same. As before, the customer must submit his income statements and the last account statement. Even with a second loan application, the banks again check the credit rating. This could have changed in the meantime. If there are still no negative entries, a loan approval is likely.

Can a small loan with immediate payment be applied for despite a current loan?

Can a small loan with immediate payment be applied for despite a current loan?

Consumers who are already paying off a loan can still experience financial difficulties. Often enough, the billing of the energy supplier, which can ruin even the best financial planning. With a small loan this financial bottleneck can be bridged, if the credit rating is still good. How high the loan amount may be depends on the income of the loan seeker.

Small loans are not earmarked. The borrowed amount can be used both for shopping, for the balancing or debt rescheduling. The customer should be aware, however, that both loans will be repaid on time. If there is even the slightest doubt, then you should refrain from a second loan and prefer to come up with another solution.

Small loan or prefer to use the Dispo?

Small loan or prefer to use the Dispo?

A small loan without private credit with immediate payment does not exist. The difference to conventional loans is that a small loan immediate payment despite private credit is possible if the entry in the private credit is not too serious. The alternative to a small loan with immediate payment is the Dispo on the checking account. If it exists, it can be used without bureaucracy. The bank does not have to be asked for permission beforehand. Use may be required if in the meantime negative badge entries have been added. When using the Dispos the private credit is no longer checked. If a small loan with immediate payment is denied due to the creditworthiness, then still the Dispo.

Small loan with immediate payment for self-employed and freelancers?

Small loan with immediate payment for self-employed and freelancers?

Self-employed and freelancers can also request a small loan with immediate payment. For a commitment they have to submit more documents. Only the bank statements are not enough. Balance sheets, profit and loss statements, income tax assessments must be submitted. Thereafter, a decision is made on a case-by-case basis. A rejection is not necessarily pre-programmed, as long as the sales figures allow a loan.

Conclusion

A small loan is requested quickly. For many households, it offers the last opportunity to close a financial gap, if the traditional banks have already rejected. Such a microcredit becomes expensive only if special services such as lightning transfers are desired. Otherwise, the costs are limited, which is also due to the low loan amount. The interest and costs are not so important for small amounts.

What is a short term loan?

What is a short term loan?

What is a short term loan?

The short-term loan is a new, innovative product by Joana Marie with a term of up to 3 months. Due to a short term and a quick payment directly to the bank account, we close a gap between the previous long-term personal loans (more than 12 months) and the credit cards. The short-term credit allows you to receive up to CHF 5,000 in direct cash within a few days (up to a maximum of CHF 1,000 for the first loan), while cash withdrawals for credit cards are often limited to part of the card limit, In addition, the credit card can not be used to pay short-term obligations, such as a costly home repair or a high dental bill. Through our product, our customers can settle their obligations in a timely manner and pay back the sum comfortably in up to three installments. Made possible by the efficient, fully digitized processing at Joana Marie, the costs are lower than with the usual credit cards.

How can I apply for a short loan?

How can I apply for a short loan?

The short-term loan application is basically very similar to a normal personal loan application. Joana Marie collects the necessary personal and financial information from the applicants and uses this information and the documents provided by the borrower to conduct a thorough credit check. This exam is as strict as the normal credit checks. Thus, the short-term credit requires a good credit rating of the applicants. For security reasons, only CHF 1000.- will be available for the first loan.

If you want to make a short-term loan several times a year, it will be even easier. Since we already have all the data from you, we just need a second confirmation of the accuracy of this data.

Advantages of short-term credit as a borrower

Advantages of short-term credit as a borrower

Due to the simple online loan application, the first registration takes about 15 minutes. A credit limit is set for you, which you can use with some restrictions. The money is usually in your account within 5 days of being funded by the lender and processing payments to Joana Marie. A renewed application after the required waiting period lasts a maximum of 5 minutes and you already get a good indication in the process whether you can receive the money or not.

How can I invest in short-term loans?

How can I invest in short-term loans?

Investors only need to register online with Joana Marie. After the activation you can already use the full functionality of the platform. After the complete financing of a credit project, an email notification will be made of an invoice for the investment. After that, investors can benefit directly from the repayments and interest.

Benefits as an investor

Benefits as an investor

For the first time, investors will be able to invest in personal loans with a maximum maturity of three months. This means that liquidity is hardly tied and an attractive return can be achieved. This product is similar to a short-term money-market product (fixed-term deposit) with the difference that investors here receive an attractive risk return.
Despite the attractiveness and the short term, Joana Marie recommends an investment portfolio with a mix between long-term loans and short-term loans. The long-term loans bring a higher overall long-term yield due to the slightly higher interest portion at the beginning. The short-term loans allow the investor to remain liquid.

Of course, as with long-term private and SME loans, Joana Marie also offers institutional investors the opportunity to invest in a fully bookable investment vehicle with a Swiss ISIN. Issued by its own Joana Marie non-intrusive SPV in Guernsey, this investment allows it to invest in a broadly diversified portfolio of short-term loans with generous returns and retreats.
For further inquiries we are very gladly by email or by phone available. All contact details can be found here. Further important information can be found in our FAQs.