Are you looking for small loans from banks or financial institutions in the business or online for your immediate needs?
You’ve come to the right place!
In this article, updated in September 2018 , I will give you all the information to obtain small loans, both online and in the branch.
Small loans not to be confused with microloans , allow you to access a certain amount (small / small) of money.
Today they are more and more requested and the motivations are the most varied: keep reading and you will have all the information.
For any doubt or question, ask for a comment and I will answer you in the day.
What are small loans?
The small loans belong to the category of non-finalized loans , which, unlike those finalized (as an applicant), you will not have to declare in any way the reason for the loan.
Even at a bureaucratic level you adhere to many advantages, just to start with small amounts you will not have to have difficulty accessing them.
Also the procedure is often very simple as it is necessary to send the requested documentation , among these we identify:
- Identity document;
- Fiscal Code;
Also to speed up the time, you can send the above documentation simply by email.
What are the small loans
Small loans: types and to whom it is addressed
The small amounts of money that you can receive, start from 1,000 up to 10,000 euros . We see the other types belonging to the “small loans” category.
- Revolving cards : revolving cards are the ones that give you the opportunity to pay your expenses monthly and in many installments. The advantage is the ease of accessing the credit without special guarantees, the opposite is that the management fees and interest payable are very high.
- Loan changed : It is suitable if you belong to the category of bad payers , because if there is a failure to repay installments, the provider will seize the assets of the debtor.
- Assignment of the fifth salary : this other type of small loan provides that all this happens through the employer, it will have to retain a part of the salary (provided it does not exceed 20%).
Similar situation with the pensioner who requires this funding, instead of the employer, INPS will retain part of the pension.
There are cases where you as a trader / merchant, you can request these small amounts of money to buy a house , a property, a television or any other object that can be placed inside the store or mall that is.
In the aforesaid situation the payment will not take place on the current account but you will be given the possibility to defer the payment of the asset.
Up to what can you request?
Everything varies according to who grants the small loan, as the types of financing vary, there are also different forms of amounts.
For example in loans with finalized purchases or in revolving cards, often the maximum amount that can be requested is 10,000 euros.
Situation slightly different for the loan through Inpdap that will be all related to the duration of the contract and salary.
For small annual loans it is possible that you will be required a monthly salary or pension, for two-year loans up to two months, for three-year up to 3 months.
Finally, as you can already imagine, for four-year loans up to 4 months salary or pension that is.
How to get a small loan?
To get a small personal loan the easiest and fastest procedure is definitely the one online .
Among the various price comparators, identify the most advantageous and convenient offer and proceed as well.
If it is not among the bad payers or protested, you just send the necessary documentation.
- Identity card;
- Fiscal Code;
- Documents that attest to your ability to guarantee credit repayment.
With reference to this last document, you can present your paycheck and the CUD model .
For Inpdap loans, the situation is slightly different as you must meet the following requirements:
- Registration for the unitary management of credit and social services;
- Having paid the institution’s contributions;
- Being aged between 18 and 70 ;
- Having residence on Italian territory .
If you are eligible for these requirements you can go to the INPS closest to your home and request documentation for this type of financing.
Generally as a form of guarantee you will be asked for the last 6 paychecks , the CUD model or the Unico model.
Similar articles for you : Loans without paychecks / Loans for unemployed / I need money immediately: urgent loans
Where to ask for a small loan
If after analyzing the situation you are asking yourself where to ask for a small loan we will draw up a small list with the necessary details:
- Findomestic : procedure to be carried out through the web portal , very advantageous from the economic point of view as there are no ancillary costs, and rates are cheaper.
- Consel : also in this case the procedure is very fast through the online, there are no costs of preliminary investigation and management, and it is possible to request up to 10,000 euros.
- Explora American Express : it is a revolving card and gives you the opportunity to choose whether to pay in installments or on balance, plus there is an interesting collection of points with a final prize.
- Postepay Postepay SpecialCash : thanks to it you can get up to 15,000 euros which will be credited to you either on the PostePay or on the Unicredit CreditExpress Mini, for maximum amounts up to 3,000 euros.
Small loans in a maximum hour
It often happens that for emergencies you need a small loan in the shortest possible time . Possibly disturbing friends and relatives as often happens, it is not all that comforting.
Fortunately, there are some financial companies that are able to provide the loan even in an hour . Let’s see what you can contact to get this service:
- Finatel : it offers fast loans in one hour only to employees and therefore have CUDs, paychecks and the salary certificate signed by their employer. In addition for sums too high compared to your income you need a guarantor, the amount requested can be paid by bank transfer or cashier’s check. The maximum amount that you can request from Finatel is € 50,000 repayable from 12 to 120 months (installment and fixed rate) until the relationship between you and the lender ends.
- Cofidis : even in this case you have to get all the necessary documentation such as CUD, paycheck and other personnel. It guarantees up to € 5,000 repayable with installments of € 38 and up, you can do it through a call center or even online.
- Credipass : it also guarantees fast loans in one hour and you can ask € 50,000 to be repaid in 120 monthly installments. In this case, the documentation to be presented will be a valid identity document, the last pay check, the tax code, the CUD and a bill for a domestic user. In this the outcome is communicated in an hour while the provision of funding requires a little more time. To speed up the timing it would be better to have all the correct documentation and an income that is at par or higher with the amount you requested.
Small loans for protestors
If you are part of the protestors or if you are a bad payer who owns the paycheck, you can request without any problem the assignment of the fifth salary .
Otherwise you need a guarantor. Obviously it is good to distinguish between small and big loans . A reduced loan or under 5 thousand euros is more likely to be disbursed quickly and without the presence of a guarantor.
In case you have doubts or questions about “small loans” I invite you to ask in a comment: I answer all the day!