Against all kinds of delays and paperwork, today we can get a loan with low interest rates and flexible repayment terms in a faster and more reliable way. The only requirement to show will be to present the DNI and in a few minutes of verification, we will be able to have our micro credit.
Next, we will explain what are our best financial solutions to get this type of credit.
- 1 Advantages of requesting a credit online
- 2 Who can apply for these loans?
- 3 Reliable verification
- 4 How do you calculate what you are going to pay?
- 5 Credits only with the DNI
Advantages of requesting a credit online
Today people of any age, profession and economic situation have found an excellent alternative to bank loans, especially to attend very specific situations in which they need cash and do not have the time to wait for a response from a financial institution.
It is a new type of credit, which you can request online and although it is difficult to believe, the only document they ask for is your Spanish DNI.
As a benefit, it is a purely online paperless procedure. We must be over 21 years old, obviously have our ID and be holders of an account in a bank to receive the loan money, without guarantees , mortgages or payroll.
As users, we must trust a transparent platform that delivers exactly what is promised. For this reason, we have flexible figures and deadlines as a solution to our most urgent problems and to count on our service every time we need it.
It is for this reason that we can have several services, among which stand out: loans without payroll, where it is not necessary to demonstrate that a company supports us as well as we can get credits between 300 and 1000 euros.
From the comfort of home, we make the request to any of the online financial institutions that offer this service.
Mini credits when you need them
Many of these entities accept most of the requests sent to them, because they trust their clients. They do not discriminate between users with a history of delinquency. This turns borrowers into loyal customers because they can make use of these mini loans for small investments and gradually increase their liquidity. These loans are the world, so we recommend you visit our guide on online mini-credits , where we explain how they work.
Who can apply for these loans?
All users can apply for credits with their DNI. This modality is very popular among individuals who are excluded from the traditional financial systems of banks and private companies, such as students, the unemployed, defaulters, residents and foreigners.
When entering the laptop or telephone, we only have to enter the page and register with our personal data, a process that in most cases can be done in a few minutes.
Although we are included in some of the delinquency systems of the Spanish financial system such as Credit Checker and RAI , we can make the request for your loan or credit, although it is true that if we are included in any delinquency list, it is likely that they will not grant us this type of credit.
We have several alternatives to choose which is the plan that best suits our needs such as: mortgage credit, fixed rate, mixed, for debt refinancing, for the sale and many more.
How to apply for the credit only with your ID?
This procedure is very simple and in a few steps: first we have to click on the loan option that suits us best, according to the amount and the repayment time . Next, we must enter our personal data in the registration of the entity's website. When completing the form, you must select the send option.
We must wait a few minutes while our system sends us an email that notifies that the loan with DNI has been approved in its first stage. Next you have to send a copy or a visible photograph of your updated ID . By doing so, they will give us a copy of the contract and we can receive the transfer of the money to the bank account we have registered.
It is important that we confirm that the account information is correct to receive the money. Do not forget to read the special conditions of each loan.
But, to get loans with the DNI? Don't we need to provide more information? .
Today, artificial intelligence systems have increasingly automated and streamlined processes. The softwares are connected with an advanced, updated and secure data , with the information of all the clients. They also have optimal verification mechanisms with the systems of banks and other financial systems.
In this way, we will not have to deliver a folder with photocopies or documents that support the information we provide. With this automatic program , we save time that can be very valuable for other tasks.
Likewise, these companies have SSL security certificates that guarantee that our information is protected against virus and malware attacks. And it meets the parameters of navigability, speed and intuitive interface.
How do you calculate what you are going to pay?
Unlike the loans that banks give, which are calculated based on the APR interest with their respective opening commissions and fees, online loans with DNI , use another type of interest because it is a short-term transaction (which is usually of a month) and not in a year, as is usually requested in traditional loans.
Due to this, the repayment terms and interests are lower . Depending on the amount and time to return your credit, the value will vary. Upon receipt of the contract, we will be clearly indicated exactly how much we have to pay and when. In case of any doubt, we must consult previously before signing.
Boost your business
If our business is going through an unstable situation and the red figures are starting to be a constant concern, banks are choking us with their high interest rates and creditors are starting to pressure us with excessive charges, it is time to consider applying for an emergency loan that we can pay in comfortable repayment terms of several months.
In this way, we will have time to recover and little by little respond to debts and avoid bankruptcy.
There are other cases in which we have a financial solidity but a claim occurs and due to cumbersome procedures of the banks, we cannot cash the money immediately . For these extreme situations, these types of loans available 24 hours a day, 365 days a year are also very advantageous.
What happens when you can't make the payment?
This is an undesirable situation for both parties. However, if this occurs, we continue with what is established with the legal regulations, which require that after one month of the first month having expired, we will have to pay a higher interest that does not exceed the normal interest by 2 percentage points . They normally charge the commission for claiming debtor positions for the returned receipts.
If a second month passes and the debt has not been answered, our data is entered into the Credit Checker delinquency list, which may cause future loan applications to be rejected at the banks.
Finally, if another month passes, a judicial process will begin in which the judge in charge tries to negotiate the debt between both parties.
Generally when it comes to amounts less than 1000 euros, the penalties are less. Otherwise, the court is able to order the seizure of payroll or other assets.
Credits only with the DNI
In reality, calling it a loan only with a DNI is not 100% correct, because although this cumbersome paperwork is not requested, it is true that something else must be provided, such as some proof of regular income that they confirm, together with the database of these entities, that we will be able to face the debt contracted.
In addition, we must also provide necessary data such as a bank account number that we are the owners of and an email in which we will receive the copy of the contract, where the amount loaned, the repayment terms and the fees to be returned will be specified.
Although it is true that any client can access their application, another characteristic of this type of credit is that it is designed for people with little or no financial solvency, such as the unemployed or university students, and the amount offered does not usually exceed 1000 euros.
For this reason, since they are small amounts, it is not necessary to resort to the figure of the guarantor , since by presenting these minimum documents the company already intuits that you will be able to return the borrowed money.
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