Are you looking for a loan? This is what you need to know
Having these may seem like an obstacle to obtaining a loan, but in Spain there are options designed specifically for those who need additional financing.
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If you are in this situation, here we show you the best loan options, the most reliable institutions and tips for making informed financial decisions.
Loan Types for Personas with Deudas
1. We offer guaranteed loans
- Why do they work?: By offering a good guarantee, it reduces the risk for the financial entity, which facilitates approval even if you have prior approval.
- What can you use as a guarantee?: Villas, vehicles or even stable income and pensions.
Recommended Institutions:
- Cofidis
- I mount: From €500 to €15,000.
- Deadline: From 12 to 72 months.
- TAE: From 4,95%.
- Requirements: Present the good as a guarantee, proof of income.
- Request here: Cofidis.
- Abanca
- I mount: Until the value is assessed as being offered as a guarantee.
- Deadline: Customized.
- TAE: Variable depending on the profile.
- Request here: Abanca.
2. Consigned Loans or Asociados a la Nómina
- Why do they work?: The funds are deducted directly from your name or pension, which gives greater security to the financial entity.
Recommended Institutions:
- WiZink
- I mount: From €750 to €10,000.
- Deadline: From 12 to 60 months.
- TAE: From 5,99%.
- Requirements: Nomina domiciled or stable income.
- Request here: WiZink.
- CaixaBank
- I mount: Up to €30,000.
- Deadline: Up to 96 months.
- TAE: From 5,95%.
- Requirements: Domiciled name and financial stability.
- Request here: CaixaBank.
3. Microcredits for Urgent Situations
- Why do they work?: Microcredits are fast and affordable, ideal for resolving small emergencies without affecting your history.
Recommended Institutions:
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- Vivus
- I mount: Up to €1,400.
- Deadline: From 7 to 30 days.
- TAE: 0% for new customers in loans up to €300.
- Request here: Vivus.
- MoneyMan
- I mount: Up to €1,200.
- Deadline: From 5 to 62 days.
- TAE: Variable.
- Request here: MoneyMan.
4. Online Alternative Evaluation Platforms
- Why do they work?: Fintechs analyze more than your credit history, evaluating current income and financial behavior.
Recommended Institutions:
- Creditea
- I mount: From €500 to €5,000.
- Deadline: Up to 36 months.
- TAE: From 24.9%.
- Request here: Creditea.
- Lendico (P2P)
- I mount: From €1,000 to €10,000.
- Deadline: From 6 to 48 months.
- TAE: Variable according to profile.
- Request here: Lendico
Advice for Persons with Goddesses Seeking a Loan
- Evaluate your Payment Capacity
- Make sure your new loan doesn't compromise more than your monthly allowance.
- Compare Options
- Use online simulators to understand the total cost of the loan (TIN, TAE and commissions).
- Search Reliable Institutions
- Work solo with recognized entities to avoid falling into fraud.
- Prioritize Small Quantities
- Request only what is necessary to cover your immediate emergencies.
- Renegotiate Your Existing Goddesses
- Before requesting a new loan, try to negotiate better conditions with your current borrowers.
Advantages of Loans for Persons with Goddesses
- Access to Financing: Solutions adapted to your financial profile.
- Modality Flexibility: Option to choose between warranty, nominate or online platforms.
- Simplified Processes: Many institutions offer quick responses and 100% requests online.
With these options and advice, you may even have access to a loan suited to your needs.
Compare, choose and make the best decision for your financial future!