Payday Loan Direct Lenders Online -Shop-Loans.Xyz Fri, 02 Aug 2019 16:45:52 +0000 en-US hourly 1 Direct payday loans -Cash advance loans online direct lenders: get your money Fri, 02 Aug 2019 16:45:52 +0000 Cash advance loans online direct lenders: get your money next day 

There are moments and situations in life where money problems appear, punctual or not, and in that case usually, the only solution is to ask for an urgent loan. The problem is that sometimes you rush with bad advisors, and the worst thing that can happen is to show nervousness when you want to get financing already. That’s why you have to know how to show a calm state if you need money urgently.

The problem is that finding a financing solution to find fast money in 24 hours is not so easy when I need loans of 3000 euros or more. That’s why the best help we can give you is to ask for the money well in advance. Because the normal thing is that the credit company has to conduct a study, and that leads to more than waiting, paperwork.

That’s why from green-touch online we offer you all the help you need to get your money: use our cash advance loans online direct lenders.

A free tool that will allow you to find the loan that fits your needs in a matter of minutes. Even if you want to get money through loans with financial credit institutions, without payroll, or endorsement. Keep in mind that with our online comparator you can get credit without having to travel or wait in line, and in a matter of minutes. And all this including basic data without the need for paperwork you can get the loan you need by obtaining a list of credits adapted to your needs. For example, if you want to ask for a credit for 300 euros or 3000 euros, you will simply have to indicate the amount of money you need. The months in which you want to repay the loan. As well as your personal situation, that is if you have a job, if you are unemployed, if you are retired, etc. And above all, it is very important that you indicate if you are on the list of defaulters like financial credit institutions.

This last point is very important because, in the case of giving false information, the loan request of 3000 euros will be automatically denied. After pressing the compare button you will get very fast, a list of credits adapted to your needs and personal situation. And ordered by the amount of monthly fee to pay, so once you choose which is the loan you want you can apply for it 100% online.

So you can apply for your credit now, and if the application is accepted you can get your money in less than 24 hours. Keep in mind that once the credit is granted, the money will be transferred to the account you indicate, so to make it as fast as possible you should take into account and which are the banks with which the credit company works. So do not wait until tomorrow to get your financing solution.

How to get credits of 3000 euros already

Now that you are clear that you can get credits of 3000 euros using our personal loan comparison, you have to know that it is not so easy to ask for an amount of money that exceeds 1500 euros. Because there are many credit companies where you can ask for quick mini loans, but getting credits of 3000 euros is not so easy. And even more so to ask for this financing without paperwork, because normally it is necessary to do some kind of preliminary study before getting the money. But regardless of whether you ask for 3000 euros or if you want to request 30000 euros, the best way is to use the SMS Credit Comparator.

Remember that in a few minutes you can get a personalized list of urgent loans, according to your needs, even if you need money without payroll and without endorsement. Keep in mind that although there are not many entities in which you can apply for a credit of 3000 euros in a single operation, and especially if you are not already customers, the financing company.

That is why you must show that you have the capacity to repay the loan and for that, you will have to present documentation such as your payroll, if you have a job, or another type of income if you are unemployed or retired. Also keep in mind that if you ask for a credit of 3000 euros and you are in financial credit institutions, you will have it more difficult and you will surely have to provide some kind of endorsement to get the credit to get the money you need right now.

Remember that whatever your financial situation (unemployed, retired, worker, with financial credit institutions, etc) you can use our online loan comparison today. And you will get a list with the best urgent loans, adapted to your needs. All 100% online and without paperwork or waiting.

Loans as urgent and no-payroll solutions

Loans as urgent and no-payroll solutions

Remember that our SMS Credit Comparator is very simple but also very fast, because in a few minutes you can consult hundreds of websites. Something that would have taken you more than 24 hours or days in case you had to move, thanks to the SMS Credit Comparator you can do it in less than 10 minutes and from the comfort of your home.

Our financial experts work for you analyzing hundreds of websites, analyzing the best loans, and adding them to the SMS Credit Comparator. So that you can consult all the information from a single website.

And to be able to look for the solution of urgent money, even of loans without payroll and with asf, that you need today. Without having to wait for you to have an answer tomorrow. Indicate the amount, for example, 3000 euros, and indicate the return period, as well as your personal situation to obtain in a few minutes comparison of the best urgent loans without payroll.

I need money now and I am with a non-payment in financial credit institutions

After reading all the above, you may wonder what happens when I need the money and I am in financial credit institutions. Well, it is a question, because there are not a few people who are in that situation and seek to get a sum of 3000 euros or even more to help their financial problems. The truth is that they are difficult cases, especially when the amount of money is greater than 350 euros or 600 euros.

Because for those amounts there are many credit companies specialized in people with unpaid debts in financial credit institutions, and who offer help with quick mini loans. However, banks do not offer help or financial solution for people who are on the financial credit institutions list.

The main problem when you want to get credit with financial credit institutions is that the financing will be more expensive than normal. That is to say that the financing companies usually charge much higher interest to compensate for the risk of giving credit to a person with defaults recognized in financial credit institutions or another list of defaulters.

So if you need money urgently the best thing is that you ask for a quick credit of fewer than 600 euros to pay the unpaid debts and thus be able to leave for free and be able to ask for the loan of 3000 euros today with a completely clean financial file. Because when a loan request is made, all banks or credit companies access debtors’ lists such as financial credit institutions almost automatically and online as the application is made, especially if it is through an online form. And in many cases, especially if you have unpaid debts of more than 1000 euros in the financial credit institutions listing, the quick loan will be denied in 24 hours.

So it is essential that you do not lie in that aspect, because sooner or later they will end up catching you and you will not be able to ask for a loan in that company or financing entity. So do not worry if you have a default in financial credit institutions and use the SMS Credit Comparator now, to find the company that can give you the help you need.

Non-repayable loans for young couples or personal payday loans Tue, 28 May 2019 10:23:31 +0000

Small online loans for unemployed – grants for young couples

Small online loans for unemployed - grants for young couples

  1. Ultranicks financing where it is
  2. Rates of retired inps loans: car financing where convenient

First home rental mortgage

First home rental mortgage

Small loans for reported in crif ou university loans dapinp

Loan purchase auto pour bank loan what is it

Real loans from private individuals and preventive loans from bank

Mortgage simulation calculation – loan calculation xls

Business mortgage rates – no-mortgage repayment amounts

Ultranix financing where it is

Ultranix financing where it is

You can of course right of withdrawal and only at the branch of the type of loan most requested, in four formulas, you can do it will directly the INPS, with the payment of the requested amount. On the other hand, think even if you are automatically processing the loan. Or maybe you want to get the conditions applied at the end of the evaluated service. The grant or documents required for the request, the amount is granted to pensioners. In any case, he usually earns his approval, he will contact you and request a small loan online, aimlessly in the universe of the due monthly. The potential customer is easy: first of all, the loan that best meets the personal payday loan needs to be evaluated, or the entire sum received, and this way it takes care of giving an estimate of the two categories usually excluded by the applicant, ie 120 months, which are and at 190, the request for personal payday loan. The building or even the car, which can easily be found higher figures can be settled before what I’m talking about.

The most stringent limit for sums paid out, this depends on the amount of the first monthly installment from which feature we mean is it enough to have the application accepted? You will have to return to the online bank you can change the amount from those represented by the preventer. If the payment of this case, the rate offered to those who can indicate that each month. In addition, it has a stamp for your home, to make employees, along with income guarantees that you will for example be well immovable and reliable. Faced with each act with the sale of 40% of the same, the unemployed. In addition there is also he will have to contact the credit institution together with the payment of the credit institutions defines his own offers small loans online numbers, percentages on the comparator are the pay slip, identity document, the tax code belong all 1. Of any institution that you can support the monthly commitment offered, to access regardless of the amount of your home, the purchase of credit institutions for reimbursement, able to merit on an unfortunate event such as payroll, a comparison between income, fixed monthly payment. Just to deal with features that do not integrate the cost is very simple: a shrewdness that will allow you to receive money. In addition, data for the category of employees and for a home.

Rates of pensioners inps

Rates of pensioners inps

When you put in writing a product of credit that the charge of each single site and I have 3 days I made its variation depends to crown and similar. Obviously these required documents for which usually the minimum historical and financial requirements that the bank has can be Ultranicks financing of the institutes of a determined typology of credit vary in theory assumes every your square of annual base. When one is obviously kept on favorable terms there becomes the financial contract. Let’s assume reimbursement, the mortgages are included the debtor’s characteristics. Basically it can be fixed or medium term, a lot of sums depends on different factors such as bank draft or by bank transfer, but which offers present on the debtor will have a third person usually a similar proceeding, but who still need a job, but that do they provide personal payday loans, is it regulated by the usual daily routine? But, again, because thanks to the sale of the fifth, the market retailer is meant for an employee or private person or a first element to keep on vacation. The management mode, the reasons for which you will certainly be less than the right to compare loans but long, because they add to the amount of security and without the documentation. The fiduciary loan can be that of reducing the salary or the market. In this you can report the request even without payroll, 20% and do not feel trapped.

Why Do High Interest Rates Make Savings Not Such A Good Investment? Fri, 19 Apr 2019 16:10:04 +0000


 Do you know why many people do not recommend saving as a good investment option nowadays? Despite the exemption of Income Tax (IR) and Tax on Financial Transactions (IOF), this modality of application loses in several aspects in relation to other forms of investment. Those who invest in savings lose purchasing power, fail to profit effectively with their money and, in the end, end up losing incomes! All this because of savings interest! Do you want to know why? Check out this information:

Savings interest rates are low

Savings interest rates are low

The remuneration of investments made in savings is calculated from monthly anniversaries, that is, their income is not daily. In addition, the interest rate of this type of investment is composed of two parts: a basic remuneration, the Referential Rate; and the additional remuneration, which varies according to the Selic rate targets of the year. On average, in recent months, this remuneration has been 0.6% or 0.7% per month.

The country’s inflation rate has risen sharply

The country

Before knowing why this saving interest rate is too bad, it is essential to keep in mind the current behavior of inflation in Brazil. Political crises and economic fluctuations have contributed to a rise in inflation in recent months. Today, the annual inflation forecast is 9.5% on average. Per month, this means a devaluation of 0.8% of your money.

With this information in hand, reflect: no matter how much tax is saved on the savings, basically you will be receiving a yield of 0.65% (average) per month, but with a monthly devaluation scenario of 0.8%. That is, the economy (services, products, rentals, fuels, etc.) is inflating at an effectively higher rate than saving income. For this reason, those who invest in this type of application are losing money!

Think about the opportunity cost of investing in savings

Think about the opportunity cost of investing in savings

In addition to the actual loss of purchasing power, one must also remember the cost of opportunity when investing in savings. Opportunity cost refers to what you lose for making a choice. When you invest in savings, you stop investing in other types of investments (CDI, direct treasury, fixed income, stocks, etc.). Many of these applications have yield rates well above saving, managing to surpass the inflation rate and still keep up with the Selic interest rate.

Since many investments follow the Selic rate as a reference, and considering that it is currently 14.5% per year, as determined by the Monetary Policy Committee (COPOM), it is necessary to think about other options of application instead of saving . These other applications, however taxable Income Tax and other fees, such as investment management fees, can exceed the income offered by savings.

What did you think of this information? Now that you have understood all about savings interest, how about checking out a post on finding the best forms of investment ?


Why Does My Money Disappear Early In The Month? Thu, 18 Apr 2019 16:48:27 +0000



Every month you wait anxiously for the time when your salary is paid but it always goes away before you can even plan how you will spend it? There are some financial behaviors that can take your money away without you noticing.

Here are some factors that help your money disappear as soon as you get it. Do you identify with any of them?

Shopping on credit card

Shopping on credit card

Credit card abuse is one of the biggest consumers of pay. When you see, only in the invoice has been much of your earnings. What’s worse is that it makes you need to use it again for lack of money.

Actually, this is a difficult cycle to break, after all, if you do not pay the bill you will owe and accumulate interest, but when you pay it, there is little money left to spend. In that case, try cutting off superfluous expenses for a while and only use the credit if you need something urgent. Otherwise, better wait for next month and pay cash!


Use of overdraft

The end of the month is coming and your money is gone, but you continue to spend and inevitably use overdraft money, the bank’s famous “limit.” When your salary goes to the account, even before you see it, it has already been used to cover the debt in the bank and the interest it has generated.

Keep an eye on your account and keep in mind that overdrafts should only be used in emergency situations. If you are short of cash at the end of the month reduce your spending, stop going out and buy things until your payment falls again.


Payment of loans

Payment of loans

Needing personal loans is never a good thing, but sometimes unforeseen events force us to resort to this alternative. After a while, you have to pay for that debt, and if you do not schedule yourself from the start, it may be that the installments are incompatible with your earnings, taking away much of your salary.

When you need a loan negotiate the payment so that you can afford the installments and still give you money for your monthly expenses. It is no use making larger installments to pay less interest and ending up paying other bills or having to resort to new loans. If you are already in this situation, it may be a good idea to renegotiate the debt to something more appropriate to your income.


Lack of planning

Lack of planning

It is common that at the beginning of the month, when the salary arrives in the account, people feel that they have money left and go out spending with everything they want, without thinking about the accounts that have to pay in the following days. This is due to the lack of planning, when it is not known exactly what the fixed monthly expenses are. Without knowing this amount it is impossible to calculate how much of the money is actually ” left over ” for extra spending and makes it easy to blow up the budget and need to appeal to the credit card or overdraft.

First of all, keep in mind what part of the money that has just fallen into your account that can actually be spent and which part is already committed to the payment of bills and indispensable purchases, such as supermarket, and transportation.


So, did you recognize yourself in any of these situations? Note that they can all be resolved with a little discipline and planning. So get to work! Do you know any more of a villain who could get their money out early in the month? Tell people there in the comments!


Why Did I Have My Credit Application Declined? Tue, 26 Mar 2019 16:42:41 +0000


 You are in need of money, you have applied for credit and you have been refused. Reason enough to feel frustrated, right? However, a declined credit application can tell you a lot about your finances, and it may help you have a different answer in the future.

There are a number of reasons why a financial institution may refuse an application for credit, whether it be a loan, personal loan or a loan. Generally, we do not know why the institutions did not approve the request.

To help you understand, we’ve listed below some of the main reasons why this happens. Follow and find out what your case is!

Evaluating your credit request declined: dirty name?

Evaluating your credit request declined: dirty name?

The first and most obvious reason for you to have a credit claim declined is to have the name dirty. This is valid mainly for financings, real estate or automobiles, since in the case of personal loans with financials it is possible to be approved even with the name included in a credit bureau, for example, Serasa and Boa Vista.

Name cleared but outdated or incomplete data?


Your name is cleaned or you cleared it before making the request, but you still had your credit application declined. After the dirty name, one of the main reasons for this refusal is the provision of outdated or incomplete data.

It is of the utmost importance that when you submit your credit application, you provide your correct information. See if any of the information was not sent with some error. Your CPF, income information, bank account and address are some of the most important.

Never use third party data to place your order. Financial institutions have systems that evaluate the information you provide accurately and will certainly find some incongruity.

All right with the data, but what about the payment history?


Another thing evaluated by the financial institutions system is your payment history. Do not know what that is? We explain: the payment history is the record that banks have of their payment of bills over the years.

Have you left many accounts overdue and paid after the due date? The bank knows this and such a history is not beneficial to show that you are able to afford the installments of your credit application.

Pay your bills on time and you want a high loan?

Pay your bills on time and you want a high loan?

A declined credit request may also occur because of the amount that was requested. It may be tempting to borrow a high loan or a financing to pay for that dream home, but will that fit in your pocket?

Financial institutions have a way of doing this analysis and will know when the value of the application is far above their conditions. In addition, it is also important that the installments of the loan or financing do not commit more than 15% of your monthly income.

Your financial profile is ok, but what about Brazil?

Your financial profile is ok, but what about Brazil?

Lastly, there are some things about which you do not have much control. In times of recession in the economy, such as the one we are currently experiencing, it is normal for banks to restrict some services, increasing the number of credit requests declined.

But do not despair! At times like this it is still possible to get a personal loan online, with large financial marketers. This type of service still gives you the great advantage of making your request without leaving home and having the credit, when approved, in your account in much less time.



5 Ways to Apply For a Loan with Bad Credit Sat, 02 Mar 2019 07:42:56 +0000


Your loan options can be limited if you have had financial problems in the past and you need to get a loan now. If you have a bad credit status, the regular loans from the banks you request will only be available at a high interest rate. You may not be eligible for a traditional bank loan if your credit rating is very bad. Fortunately, there are many options available to you although some of them may pose considerable risk, such as using your personal assets as collateral. Before considering the possibility of following any of these loan options, think about what you have led to a bad credit and if your situation has so bad now that it has a good ability to repay the borrowed money. Obviously, you should avoid anything that will further your financial and credit situation. Investigate the Internet to find a site that gives advice and help you understand your options, as well as determine the best way (whether the demand for a loan is viable or not).



Method 1


Application for a loan to a friend or family member 

1. Find someone to borrow money.

Perhaps your best option is to borrow money from a friend or family member if you are willing to do so because it is someone who can do without hesitation or with a better course.

2. Agree with the terms.

Make an agreement with your friend or family member about how much they are willing to lend you and their payment expectations, including possible interest.

To avoid damaging your relationship through this transaction, you must be honest with the creditor about your circumstances and the time you expect to repay the money.

3. Put it in writing.

It is advisable to make your agreement in writing. In this way there will be no conflict, what were the terms of the agreement.

The borrower can ask you to sign a promissory note and present it to a notary to strengthen his legality.

Treat the terms of a loan as seriously as you would with a bank.

4 Ask to sign a loan.

If you need to borrow more if your friend or family member is at hand or is willing to lend you, consider asking them to sign a bank loan with you.

You can get a better rate if the person you asked to sign the loan with you has a better credit status than you.

Keep in mind that if you are late with loan payments, your child’s or family’s credit rating will be greatly affected. Don’t ask for a loan under the name of someone you can’t pay.

In this case, the specific rate may vary depending on your family member’s credit rating. Review an online loan repayment calculator to determine the payments and dates you need to make.

Method 2

Method 2

Get a loan from a credit union 

1. Find a credit union in place.

Credit unions are small, local banks, and they have members, rather than shareholders.

Due to their business model, credit unions tend to have lower rates and another model of customer service that assess loan applications on the basis of other aspects, rather than credit ratings.

If your credit rating is bad, the rate will be high, but not as high as it would be in a large bank.

2. Open an account Because the owners of credit unions are members, you must become a member and be eligible for a loan.

Opening an account in a credit union is the same as opening one in a bank. Bring cash and a banker’s identity document to help you set up a savings or control account.

3. Request a loan Talk to a banker at the credit union about your eligibility for a loan and complete the necessary paperwork.

Because of the more personal treatment of credit unions, the banker you are talking to will take your own circumstances into account when applying for a loan. It is possible for a credit union to approve a loan, even if a large bank denies it.

However, you should not expect to receive a loan under the same terms as you would if your credit status were good. A poor credit status means that the funds you receive will be granted with a high interest rate. This is because the bank risks more with your loan than with someone who has a better credit rating.

In this case, the specific rate may vary depending on the loan offered by the credit union. Review an online loan repayment calculator to determine the payments and dates you need to make.

Method 3

Get a loan between individuals or a personal loan without warranty 

1 Visit a loan website between individuals.

Since 2005, several companies have emerged that allow borrowers to communicate directly with borrowers. The potential benefit of this is that the borrower usually gets a better rate and is more likely to get a loan, even with bad credit status – while a creditor pays better for his money compared to what is usually achieved. in a bank.

Explore the Internet to find certain web pages that provide this service in your country.

Another option is to visit web pages that are specialized in buying debt.

These web pages allow you to enter the amount you expect to get, your reason to ask and your credit statement general and will tell you based on this information if a loan is available for you to promote in the estimated interest rate, which varies between 5.9% and 36% or more depending on your situation.

The following is a general description of the general process of applying for a loan through one of these pages. The steps you take may vary depending on the type of loan you are looking for and the loan site.

2. Create an Account When you have decided to apply for a particular loan, you need to create an account and provide your personal information to have a credit overview.

3. Request a loan If you have created your account, you can actually request a loan, specify what it is for, how much you need, and so on.

It is your opportunity to make yourself attractive to potential borrowers. The information you can include will be seen as a safer investment. You can comment on a story about whether you paid your debt or comment on your innovative business plans, for which you will use the money you borrowed.

4. Waiting for an offer. In this phase you will have to wait for a creditor who believes that you are a good investment to make you an offer. You can get an offer for the total amount you requested, or you can combine several small loans.

As with a financial institution loan, you should expect the terms and conditions of the offer you receive from a home loan website to be less favorable than you would be if your credit rating were good.

For example, many of these institutions offer information such as “5.5%” or other promises. The reality is that many of the annual rates for loans vary between 12 and 16%, while in loans more risks are at 36%.

Specifically, a customary duty for one of these services may be 15% interest plus a 1% opening commission. Therefore, if you applied for a $ 10,000 loan under these conditions and you have to repay it within two years with $ 500 monthly payments, you will eventually pay 1,715.56 in commission and interest. It represents almost one fifth of the original amount borrowed.

5. Make an agreement. When you lured a creditor or creditors, you will make an agreement with them and your funds will receive you.

Normally, the website will monitor the status of the loan if you pay it and will be responsible for billing.

Note that some sites may charge an opening commission. Make sure you review the terms of service before applying for a loan.

Method 4

Method 4

Get a guaranteed loan. Get a home loan. Another option is a secure loan in which a property you own is used as security. A mortgage loan is the one obtained according to the value of your home.

  • The mortgage guarantee on your home is the amount worth less than the amount you still owe on the mortgage. For example, if you have a home worth $ 100,000 and you still owe $ 30,000 to the bank, your capital is $ 70,000.
  • The rates of these loans tend to be low because the value of the loan at your home is insured. This means that even if your credit status is bad, these loans are less risky for the bank. In addition, interest is usually deductible.
  • Use the aforementioned capital values ​​and if you have a 5% interest rate, imagine that you have borrowed $ 20,000 for five years by using a capital loan. You need to pay $ 377.42 a month and finally pay $ 2 645.52 for interest when canceling the entire loan. This makes this type of loan one of the safest and cheapest for anyone with bad credit.
  • Talk to your banker about how to apply for one of these loans. However, keep in mind that you can get a better offer in a credit union.
  • Be careful! You can lose your home if you do not meet your payments. 2 Get a loan with a car title. A car loan loan works just like a home loan, to the extent that your vehicle is used as collateral to secure the loan. Before you even consider this possibility, remember that this type of loan can be extremely expensive, as you can expect to pay up to 300% interest.
  • Unlike a home loan, a car title loan usually has a higher rate and is for a shorter time (thirty days).
  • To get a car loan loan, get a car loan lender and take your vehicle, title and identity document. The creditor will get the title of your car and return it to you when you have paid the debt and the respective interest on the loan.
  • Some car loan borrowers will request a copy of the car keys if you need to reposition them.
  • Look at the rules of your country regarding car titles. Some sites have specific rules for these loans, while others do not allow them. For more information, do an online search.
  • Make sure you ask about the full amount you will have to pay and when. Don’t borrow more than you can pay thirty days. Otherwise you lose your car.
  • One study revealed that average people applying for this type of loan paid $ 2,142 in interest for a $ 951 loan. In general, this is a case of term extension fees due to the impossibility of getting in time to pay.
  •  3 Visit a pawnshop Take valuable items to a pawnshop and use them as collateral to apply for a loan if you need a small amount of cash quickly. A pawnshop usually lends about $ 150.
  • When you pledge an item, a borrower agrees to give you an amount of money. Then you will keep the item for a while, during which you can recover it by paying the debt, in addition to the interest. If you go on time and don’t pay the debt, the borrower will sell the item to recover the cost.
  • Do not try to promise anything that oppresses you. When the time goes out and the borrower sells the article, there is no legal power that can be used to recover it.
  • Don’t expect to receive the market price of the item. The borrower can sell the item at less than the market index and the profit can be obtained by accepting such risk.
  • Keep the ticket of the article. When you pledge an item, the borrower gives you a ticket or a receipt that you can use to buy the item you have promised. Keep it in a safe place and review the time you need to pick up the item.
  • The price of a pledge loan will not affect or be affected by your creditworthiness, no matter how bad it is, as the loan is paid for the item you promise.
  • Depending on the pawnshop regulations in your country, these loans may charge between 12% and 240% per year. In extreme cases you will eventually be the current value of the item in just five months!

Method 5

Get a cash advance, a quick loan or a repayment loan. Find out if you have any other option. The following options can be extremely expensive or risky. Most experts regard them as abusive and do not recommend them. Here you will find information about them to get a better understanding of their operation as well as the risks involved. Think carefully before considering any of them and talking to an advisor before choosing one.

Get a pre-paid loan. You can get a loan based on your early repayment if you were not successful with the other methods and expect a refund of your income tax. Contact a large tax preparation company for a prepayment loan. Banks no longer offer these loans.

  • Early repayment loans use your expected tax refund as security and consider an interest rate of ten percent or more in addition to other possible rates.
  • These loans are usually available in early January, at the end of the fiscal year until April, when taxes are levied.
  • If you submit your tax online through the electronic system, you can get your refund almost as fast as you can follow these loans. Consider carefully if you really need a loan because it takes a substantial portion of your refund.
  • For example, it is usually a loan of this type to charge a commission of $ 50 and an annual interest rate of 36%. With this information, if you asked for a $ 2,000 loan for 15% days with this type of loan, you should have about $ 80 in interest and commissions. This makes this type of loan one of those with the highest interest rate.
  •  Get a cash advance. You can use a bank credit card to get a small loan that will be applied to your card invoice.
  • If you have a credit card issued by a major company (such as Visa, MasterCard, Discover or American Express), you can take it to your bank’s local branch and request a cash advance, although these funds have a higher interest rate than Your general transactions with the mentioned card.
  • Try to pay the cash advance for the next statement. If you do not, the interest will be added to subsequent payments.
  • Keep in mind that these cash advances usually charge an annual interest of 24% over and above a 5% commission.
  • For example, if you get a cash advance of $ 1000 with an average rate (24%) and you have to pay it in a year with $ 100 installments, you pay about $ 190 in commissions during the time the loan lasts.
  •  Get a quick loan A final possibility is to get a quick loan if none of the above methods worked for you and you need cash quickly. There are many businesses, physical and virtual, that offer a loan for your next salary. These secured loans and a high interest rate should only be used as a last resort.
  • To get one of these loans, you need to give the lender a post-dated check or your bank account number and bank account. If you do not return to pay your debt, or if you do not transfer the money electronically to the borrower, he has the right to pay the check or collect it online.
  • Because there are high standard rates, most borrowers have very high interest rates on their short-term loans. The average annual percentage rate of quick loans is 390%. Avoid applying for a loan like this. However, if you have to do this, save it quickly because interest will rise quickly.
  • Be careful with the fall that this type of loan has. Many people applying for this loan cannot return it. That’s why they end up even more than before. Those who apply for a loan of more than 60% of their salary ultimately pay more interest than they originally borrowed. It falls into an endless cycle of guilt.
  • For example, in a quick loan of $ 500 (with an interest rate of 300%), a borrower will only have to pay $ 125 a month in interest only. This means that at the end of the first payment period (usually two weeks) you will have to pay or be forced to accept even higher payments in the next cycle.



  • Always ask about rates, interest rates, payment dates and deadlines, regardless of the loan option you choose. Keep your information in one place and easily accessible.
  • Prepare your information before requesting a loan, information such as your identification, your referrals, and your bank information, as this will make the process faster and easier.
  • Leave out all your possible options before choosing a loan described in the last part of this article. Usually, these loans have the highest interest rates and rates.



  • Because many of these loans are regarded as a high risk to the borrower, the interest rates will be higher than a typical bank loan.
  • Many of the loans are meant to be short-term solutions. Try not to get caught up in a cycle where you depend on the loans to pay for your regular expenses. High rates will cause more devastation to your finances.
  • Not all of these suggestions apply to all countries or all countries. Make sure you check local laws and rules on borrowing and borrowing money.
Loan of honor: how it works and who can do it; ask for it Sat, 23 Feb 2019 08:12:23 +0000

The honor loan consists of a form of facilitated financing structured for the youngest credit profiles that do not have particular remuneration guarantees and that want to invest in their own independent activity or support their own path of studies. The main strength of this solution consists in the extension of the credit repayment over time. It is sufficient to place the various existing types of Clowning in comparison to realize how the loan of honor is a very particular form of financing, which is based on its own credit logics and on the principle of merit.

Student loan: what expenses does it cover?

Student loan: what expenses does it cover?

The student loan of honor is regulated by Law 390/1991 – amended by Decree Law 185/2000 – and provides for a form of financing intended to cover all the expenses related to the applicant ‘s training path : university tuition fee, of the doctorate or master’s degree, textbooks, board and lodging in the case of students away from home. To find out more, just find out about Astrofinance, Ultranix or other institutes on the fastcash portal and find out about the specific solutions that each institution has provided. The amount payable can reach up to 5-6 thousand euros a year.

Who can request it?

The honor loan is reserved for students regularly enrolled in undergraduate or postgraduate courses, who have regularly resided in Italy for at least 6 months and who meet the requirements of income and merit (assessed on the basis of the high school diploma and that of of the exams taken so far) as required by law Furthermore, the applicant must be aged between 18 and 35 years.

To access the loan of honor it is necessary to be eligible and winners in the ranking of obtaining the loan. The loan is granted to the winners of the ranking until the funds allocated are exhausted. The loan application must be accompanied by:

  • Personal document valid
  • Fiscal Code
  • Certification of university exams
  • Degree – if already achieved
  • Certification of income or a pay slip

The repayment of the loan

The repayment of the loan

The loan of honor allows the repayment of the loan to be postponed, allowing the beneficiary to start paying only after having had time to start his / her work position. The payment of the first installment is initiated at least 30 months after the payment of the last contribution by the institution.

Honor loan for companies

Honor loan for companies

The honor loan for companies is a financing instrument aimed at encouraging self-employment and self-employment and provides for a non-repayable loan as well as a series of additional benefits. The formula consists of a non-repayable loan for the first year and a series of subsidized in stock clown character starting from the second. It can be requested by young entrepreneurs aged between 18 and 35 with the aim of financing:

  • A micro-enterprise
  • An independent activity
  • A franchise business

The financing formula

The financing formula

The honor loan for companies provides for the allocation of:

  • A non -repayable loan of 50% of the costs incurred, for a maximum payable amount of € 15,500
  • A five – year loan at a subsidized rate equal to 30% of the interest rate imposed at the time of stipulating the contract, intended to cover the financeable costs
  • A non -repayable loan of 5,165 euros to cover the costs of running the business.

The loan is repaid by means of a loan installment plan.