Are you looking for the right loan for you and don’t know how to get it? What should you do to get a loan and what are the options best suited to your needs?
In this guide we will talk about how to get a loan with Loan and we will explain all the different steps you need to follow to receive the amount you need.
Here’s what you need to do!
How to get a loan
If you need to make some purchases or renovate your home or make some small dreams come true you may need a loan.Loan comes to your aid and allows you to choose the option that suits you and your needs.
Do you want to know how much you will pay each month and what are the interest rates to support? Easy, just make an online quote.
For the calculation of the installment you can make a convenient online quote by entering your data, the amount you decided to request and finally the number of installments to return the figure.
Just enter the data online in the appropriate form and confirm. The quote is free and is in no way binding on the loan request. With the online quote you will be able to find out about the amount of the monthly expense, the duration of the repayment and the interest rates for the financing you request.
Don’t forget that if the repayment months increase, the installment will go down, but the interest will increase. Evaluating the duration of the payment and the rates helps to save money and not waste money.
To find out all the details and characteristics of a loan with Loan, it is advisable to ask for an appointment at a branch and with a specially trained representative, so you will avoid unexpected surprises.
Loan grants to request a loan to:
- Public employees;
- Private employees;
- Bad payers.
To know all the details of the various loans, you need to request an online quote.
The necessary guarantees
Also for Mr. Loan, as for all the other loans, it is necessary to provide guarantees that are the same for everyone and therefore also for those who have been protested or are registered in the list of bad payers.
The guarantees for requesting a loan with Mr. Loan are the following:
- The pension : a very solid loan guarantee, but remember that the duration and number of installments may change depending on the age of the subject;
- The pay slip : this is the best guarantee to get the loan, it allows you to have advantageous rates and to get money quickly;
- The salary-back assignment : a help even for those who have been protested or is on the bad payer list, this is a good guarantee that allows you to have a loan at advantageous rates. The sum to be paid each month will be withheld from salary or pension ;
- The guarantee of a third party : the third party acts as a guarantee. It can be a parent, a friend or alternatively a relative. In some cases the third party can become responsible for the reimbursement.
What do you need to get a loan from Loan?
To obtain the loan with Loan you must provide:
- A valid identity document;
- The payslip, or alternatively the pension or the last tax return (useful only for the self-employed).
This documentation must also be provided by those who have been protested or by those on the list of bad payers. No other documents need to be provided and the bank or institution will do the rest.
Time to get the loan with Loan
For online loans in general, you must wait at least 48 hours after the case is opened for the money. For the loan in the branch it will be the person in charge to report the waiting time to the applicant.
Not all cases have the same waiting times as they can vary depending on the amount requested and the time chosen for repayment.
As anticipated, to find out the interest rate for the loan to be paid thanks to the online quote. You can also ask in a branch and it is not absolutely binding as well as being totally free.
The budget helps to know the TAN and the APR of the loan. The TAN is the interest rate, the APR is the synthetic total cost of the loan or the total commission to be paid for any loan request.
Evaluating the value of the TAN and the APR helps to choose the most suitable ones, just do a quick search and some comparisons to save on interest rates.
And the subjects protested?
There are no guarantees for granting a loan to protested parties or to those on the list of bad payers, even if Loan has thought of a special option for this type of customers.
Going to a branch to request information is the only way to see if Loan allows you to get money even to protesters and bad payers. We would like to remind you that each case is different and that the person in charge will analyze the applicant’s financial situation.
Once the checks have been carried out, the institute will decide whether to grant the loan or to refuse the request. In some cases the salary-back assignment can be a useful guarantee. The fifth assignment often allows for loans with repayment plans of up to 10 years with lower interest rates.
Loan for temporary workers
Even temporary workers can generally apply for loans. In addition to the aforementioned documentation, a fixed-term employee must provide the bank or credit institution with some additional guarantees.
So to get the loan it is absolutely necessary that the number of installments is equal to or less than the months of the contract that remain. The additional conditions for obtaining the loan are the same for both fixed-term and permanent employees.