Appearing in ASNEF is no longer an obstacle to get loans with fast ASNEF since there are many lenders who offer up to 750 euros despite being in a delinquency file. If you want to hire urgent personal loans with ASNEF, compare here and now between different products and get yours.
Price of urgent personal loans with ASNEF
Although it is normal for us to think that these financing products are more expensive than the rest, the reality is that we will not have to pay more money to an entity due to the fact that it appears in a delinquency file. The private lenders will always charge us the same interest, that the average is approximately 1.1% per day, in their personal loans with ASNEF than in the rest of financing products of similar characteristics, regardless of whether we are on a list of delinquent or not.
The entities offer loans via https://www.paydaynow.net/ as an advantage for people who need financial help and have unpaid debts, so they do not charge additional commissions for it. However, it is essential that we comply with the requirements that we demand and deliver the corresponding updated and legible documents. If we carry out the whole process correctly and have a suitable profile, we should not find problems to contract this type of financing products.
In addition, they will not require us to justify the purpose for which we want the money and they do not include hidden expenses, such as commissions or the hiring of linked products. Thanks to the online simulators of your web pages, we can select the amount and term that we will choose and know what the final cost will be.
5 conditions to obtain fast loans with ASNEF
The conditions that we must meet in order to access one of these products may vary according to the policies of the financial institution to which we go. However, there are minimum requirements that are usually required in most private equity companies to be able to contract urgent personal loans with ASNEF:
Be of legal age or have at least 21, or even in some cases, 25 years.
Reside in national territory permanently and be able to prove it with our DNI or NIE.
Enjoy a regular, sufficient and demonstrable income that demonstrates to the lender that we will be able to repay the money within the agreed return period without problems.
Not having an unpaid debt of 500 euros or more, although in some entities we can demand that the unpaid amount does not exceed 200 euros or 1,000 euros.
Not having contracted our debt with a financial institution, that is, if the non-payment comes from a financial product such as a loan, a mortgage or a credit card, we can not access a loan with ASNEF.
If we do not fulfill any of these requirements, we have the possibility of resorting to loans with mortgage guarantee. In these cases, we must have a real estate property to put as collateral (or pawn a good that we have) and that the company accepts customers who are enrolled in a list of defaulters. We must bear in mind that, in case of non-payment or failure to comply with any of the contract conditions, we could lose the good we have placed as collateral.
Documents to obtain urgent credits with ASNEF
In order for the financial institution to verify our identity and verify our level of solvency, we must send a series of copies of our documents. Luckily, normally to hire one of these financing products we do not have to perform too many paperwork or procedures since most private lenders allow us to send them online.
In addition, in most cases, we can simplify the application process, since many entities include services such as Instantor, which allows us to validate our bank data automatically with the entity and at the moment. Also, we can also find many entities that have their own application, from which we can make all the necessary steps on our immediate loan and with which we can avoid having to send our documentation repeatedly.
Identity document: we must send a copy of our ID, NIE or passport so that the lender confirms that we are of legal age and that we have permanent residence in Spain.
Proof of income: we can deliver a copy of our latest payroll, pension or subsidy, among others, that shows the lender that, in fact, we have a regular and sufficient income.
Bank statement, so that the lender can see our income and the expenses we have each month.
Account number where we want to receive the money.
If we do not want to find any problem when contracting urgent personal loans without endorsement, it is convenient that we access the web page of the lender to consult the papers that they demand in their terms and conditions. In this way, we can verify that we have all the necessary documents before making the request.
Factors in the speed of urgent loans with ASNEF
In general, these financing products can be obtained in a matter of a few minutes, but only if all the indicated steps are followed. In addition, there are a number of factors that can delay your income, so we must take them into account if we want to get the money as soon as possible:
Legible and updated documents: if we present our papers without updating, as for example, a copy of our expired DNI, the lender will ask us to resend it, which will slow down the process. It is also recommended that the papers are not wrinkled and can be read well, as this is another reason why the lender may request that we resend it.
The same bank from which the transfer is issued: in order for the transfer of the money to be as quick as possible, we should find a lender whose current account is in the same bank as ours. Transfers between accounts of the same bank are quite agile and take a few minutes to complete; On the other hand, if they are from different banks, the money may take up to two business days to reach us, since being two different entities, the transfer process is slower.
Some financial entities have digital services that help the process of requesting and contracting credits to be agiler. For example, in the event that the financial institution has Instantor we will only have to identify ourselves so that the lender can access the data of our online banking. In this way, they will automatically access our documents online and we will not need to send them, which will help speed up the process.
If we have any doubts about the speed at which we can get the urgent money with ASNEF and what are the factors that affect this, we provide you with the free guide elaborated by the experts of HelpMyCash.com “How long will it take your mini-credit money? to arrive?”.