Compara Préstamos Personales

Features Compara Préstamos Personales

If you are looking for a personal loan to finance a project, we will tell you everything you need to know before hiring one: what is a personal loan, what requirements will be asked of you, where to request it and how to choose the best loan according to your profile.A personal loan is a financial product for which a bank or entity lends you an amount of money and, in exchange, you pay it back in installments and an agreed term, paying the corresponding interest.
There are loans with a specific purpose and others for which you will not be asked to explain what you are going to spend the money on.That they are called a personal loan is not random: if you do not return the money, the lender can seize any personal assets that you have present and future: accounts, your salary, properties...Steps to request a personal loan onlineNot so long ago, if you needed a personal loan you had to go to your bank branch.
Well, that has changed: now you have the possibility of requesting the best online credit without leaving home and accessing endless online financing offers thanks to the Internet.
It is enough that you access the websites of the entities and follow the instructions of the application processes (they are usually quite intuitive)This is the step by step that, in our opinion, will help you choose the best possible personal loan for you:1.
Calculate the price of your loanUse our free personal loan simulator, complete the amount you need and play with different terms and interests to find out what maximum installment you can afford.2.
Compare at least three offersWhen you are clear about what you can afford and what you cannot, calculate the loan from at least three entities, always with the same amount and term, to find out the fee you will pay if you take out these loans and if it fits your budget.
When you have the three products identified, use our free personal loan comparator to see which entity offers you the best conditions.3.
Fill out the online loan applicationIf you have already decided, go to the entitys website and follow the instructions to request your loan online.
You will have to provide personal, financial and employment data, if you are married...4.
Wait for credit pre-approvalIf you have made the request in person, the entity will take a few days to give you an answer (ask them and stay with the contact of the bank advisor, just in case).
If it is an online personal loan, the pre-approval or rejection will be almost immediate.
oh!
And that your application is pre-approved does not mean that the loan is approved, but that it goes to the study phase...5.
Send the documentationIf you have requested the personal loan online, the entity will ask you to give it access to your virtual bank to verify your financial situation.
It will do this through a reliable data verification application that will enter your account in read mode.
If you are not convinced, you can also send the documents by other means, email, for example.6.
Review the contractWhen they notify you that they have approved your application, they will send you the personal loan contract.
Read it well to know all the conditions of the personal loan (linkage, amount, term, commissions, interest...).7.
Receive the moneyFinally, the entity will deposit the money in your bank account in approximately 24 hours, although sometimes it can be the same day.