Month: February 2019

Payday loan: I need money urgently – how can I get them today and now?

by Michael Ezell

I need money immediately, with absolute urgency: what should I do? In this article we provide you with a very simple guide that can be useful in case you need an online loan to receive money urgently. Let's find out how you can have the desired money immediately available, with the main features of the loans offered and the methods of request.

Online Loans: the best solution for those who need money urgently

Many times it may happen that we are faced with an unexpected expense, for which we need money urgently. The financing options that we find on the market are very many, but not all of them allow us to receive the sum of money we want in a short time. In fact, banks must respect bureaucratic times, in which they carry out all the necessary checks, to avoid lending money to customers who are not able to make the repayment later. And if we need money with some urgency? The solution that suits us then is that of online loans.

Now with internet you can really do everything, and even lenders have thought of solutions that allow us to reduce the delivery time, thanks to the online request. All the main banks offer their customers the possibility to manage their account through the website, and many companies provide for the financing request completely online, without having to go to the branch office. Usually online loans provide a rather low amount of money that can be requested, which minimizes the time needed to credit the amount on the client's current account, since the risk to the bank is considerably lower than in the case of larger sums important.

If you are looking for a small loan, for example for an amount of 1,000 euros, several companies offer the possibility to make the request in a few simple clicks that allows us to obtain the credit in the day. In the event that you are in a position to wait a few more days, then with personal loans online you can usually receive up to 30,000 euros, but this figure depends on the bank to which you are addressing. For example, in the case of Findomestic, the amount that can be requested reaches as much as 60,000 euros. Therefore, delivery times depend above all on the amount we are interested in, given that obviously for any credit institution it is easier to offer immediate disbursement for small amounts. As we said, however, the characteristics of the loans offered depend on the company to which we address. For this reason our advice is to visit the website of your bank to find out immediately how much you can request and if you can immediately receive the money you need.

Another fundamental characteristic that must be considered is that of the required requisites. The latter is a determining factor for the purposes of granting the loan and, if successful, for the timing of disbursement. In particular, it is important to have a paycheck or a pension, since it will be enough to attach the income document to have access to the credit. It is impossible to think of receiving a loan in a few hours, for example by presenting a guarantor's signature or by mortgaging a property. Finally, it is important not to be reported in Crif (Central Financial Risks), a feature common to most loans. If these requirements are met, in most cases thanks to online loans we will have the possibility to have available the amount of money we need in a few days, and in the case of small loans even in less than 24 hours.

How to immediately receive the desired money urgently

How to immediately receive the desired money urgently

If you are looking for a quick loan, as we have seen the best solution is that of online finance. What are the request methods? The first thing to do to apply for a personal loan online is to use the loan simulator to choose the optimal amount and duration for our needs. Receiving a quote online is even easier than what happens by going to the branch. In a few simple clicks we can in fact get all the information we need. The only information that we will have to insert will be the amount we are interested in. All we have to do is click on " Calculate Rata ", and the result we will get will be a list of products that meet our needs.

The different solutions will differ from each other for the expected repayment duration. As it is easy to guess, at a shorter duration correspond higher monthly installments, while increasing the number of months the corresponding installment will always be lower. This could suggest moving towards the maximum possible duration, which involves a light installment for which we will not have problems to make the repayment. The other factors to consider are interest rates. These define the price of our financing, and overall they are always higher as the duration chosen for our loan increases. The request for an online estimate is very useful to assess the right balance that allows us to set a rate not too high, trying to limit as much as possible the amount that we will pay the bank for interest. This is the reason why the first step presented to us when we go to request an online loan is to calculate the installment.

Once we have chosen the duration of our financing, we can move on to entering the data needed to complete the online personal loan application. This procedure can vary, as the one described above, according to the bank to which we address, however in general the information requested is usually the same as we would be asked to go to the branch. Regarding personal data, we will obviously have to enter the name, surname and our tax code. Among the documents that we will have to present there are the identity card and the health card. There are three possible solutions to demonstrate the income received: for employees it is required to present the last paycheck, pensioners will have to present the last pension slip, while the self-employed will have to present the last tax return. How to send all the documentation online? There are two solutions adopted to guarantee a 100% secure exchange of documents: the first option is to use the digital signature, while alternatively it is possible to use a PEC email address (Certified Electronic Mail).

How can I do if I need money today: desperate solutions to request money

In case you are faced with an unexpected expense, you may need a loan in one day. Is there a way to receive money today? In general it could be difficult to get the amount we need in such a short time. However, there are some particular types of financing that can be considered "desperate" solutions to request money. The first solution that is good to consider is that of credit on a pledge. Various lenders offer their clients this solution, which can be perfect in case the desired amount is not particularly high. The operation of this type of personal loan is very simple: the customer leaves a pawn in the company, which will only be able to return once the reimbursement has been completed.

It is probably the simplest financing to obtain, since the only guarantee required is the object, which could be for example a jewel of any kind, a bracelet, earrings, a necklace, a watch and so on. The only constraint because the disbursement of the money we need in the day is that the market value of the object that we will leave in custody at the bank must be higher than the amount we will request. So thanks to this desperate solution to receive the money we need we can receive money today without losing an object that could have a strong emotional value, and that will be stored in a safe place and returned to the customer at the end of the refund.

How can I do if I need money today but I do not have an item worth more than the sum of money I'm looking for? In this case, a financing solution to be taken into consideration is that of private loans. Sometimes, in fact, receiving a loan from a private individual is easier than when we turn to a bank. Moreover, often if we explain our situation and the reason for our need to immediately receive the money we need, our lender will be available to lend us their money even in the day. Although it may be an excellent solution, it is always good to pay close attention to those who turn to receive this type of funding. In fact, when one is desperate for a loan, it may happen that we turn to untrustworthy people who could take advantage of our situation to defraud us by setting conditions that are too disadvantageous.

In this sense it is good to remember that the Italian law establishes the usury thresholds for interest rates. In the event that the rate applied by the individual exceeds the threshold set for the personal loan, then the loan is to be considered illegal and we can proceed with a complaint. In general, however, we advise you to evaluate the terms of the loan before signing any agreement. As for loans between individuals, the safest solution is to address one of the different social lending communities such as Prestiamoci, Smartika and BLender. In this way, through the platform you can get in touch with many private individuals ready to lend you the money you need even in the day. The platform itself will also ensure maximum security, so from this point of view it will be just as if you had turned to any credit institution.



Loan 8000 Euro: Estimate payday loan with installment calculation

by Michael Ezell

Let's see what are the specific characteristics of the loan from 8000 euros. All information about personal loans offered by the main companies and estimates of Astrofinance, Cleopar and Ultranix. We will see how to calculate the payment and interest online in a few simple steps, so as to identify the most convenient loan.

Personal Loan 8000 euros Astrofinance: how to request a free online quote

If you are interested in buying for example a car, also used, or you want to buy furniture to furnish your home, or you want to organize a ceremony and you need a loan of 8000 euros, there are several solutions that you can find on the market of financing. According to your needs, you will undoubtedly find the right product for you. If for some purchases it is possible to access the finalized loans that are proposed to us directly by the retailer to whom we address, the most common solution to carry out any project is the personal loan. Among the major credit institutions to which we can apply to request this form of financing there is obviously Astrofinance. This company offers its customers loans at excellent conditions. For this reason we advise you to visit the financial website, where you will have the opportunity to know all the features of the financing offered, as well as being able to request a free quote online.

With Astrofinance personal loans you can request an amount ranging from 1000 euros to 60,000 euros, which can be repaid over a period ranging from 18 months to 96 months. Before proceeding with the request we will therefore have to identify the repayment plan that suits our case, evaluating both the monthly installments and the applied Tan and Taeg interest rates. Our advice is to request a quote online: in this way you will immediately know the conditions of funding that will be proposed by Astrofinance. In a few simple clicks you will have the opportunity to compare the different durations in order to identify the optimal solution, as well as obviously compare the treatment offered with that of other banks. To provide you with an immediate view of the conditions of the Astrofinance personal loans from € 8000 we have carried out an online simulation. To do this, just specify the project you want to create, selecting it from the relevant drop-down menu, and specify the amount of money you are interested in. In our case we hypothesized to want to buy a used car costing € 8000. The table below shows the monthly repayment installment and the Tan and Taeg interest rates for each of the available durations.

18 months € 471.20 7.47 7.73
24 months € 359.90 7.47 7.73
30 months € 293.10 7.45 7.71
36 months 248.70 euros 7.45 7.71
42 months € 217.00 7.45 7.71
48 months € 193.30 7.46 7.72
54 months € 174.90 7.47 7.73
60 months 160.20 euros 7.47 7.73
66 months € 148.20 7.47 7.73
72 months € 138.20 7.46 7.72
78 months € 129.80 7.47 7.73
84 months 122.60 euros 7.47 7.73
96 months € 110.90 7.45 7.71

As can be seen immediately from the table, there is not much variability from the point of view of interest rates applied by Astrofinance. However, it should be remembered that these are annual rates, which means that, considering the entire duration of the loan, the amount relating to the interest that we will have to pay to the bank will be as high as the number of months in which we intend to complete the repayment.. For this reason we advise you to move towards a rather low duration, of course, provided that the repayment installment is within your reach. For a Astrofinance personal loan of 8,000 euros, it may be advisable, for example, a repayment plan with a duration of 30 months. In this case, in fact, the repayment installment will be rather affordable as it is less than 300 euros, precisely 293.10 euros. As for interest rates, a 7.45% Tan and a 7.71% Taeg are expected. If you prefer to set a lower monthly payment, then you can "extend" the duration to 48 months. In this second option the repayment installment will be € 193.30, with interest rates of 7.46% and Taeg 7.72%.

8 thousand euro Cleopar loan: how to calculate the installment and interest

Another credit institution offering personal loans from 8000 euros at very good conditions is Cleopar. Also in this case we have the possibility to calculate the installment and interest directly online, without having to go to the branch. With this type of financing you can request a sum of money that reaches up to 30,000 euros. So if you are interested in a personal loan of 8000 euros you will not have any particular problems receiving it by contacting Cleopar. In order to apply, you must be resident in Italy and have an age between 18 and 70 years. Foreign citizens will also be able to receive the desired 8,000 euro grant, provided they have a valid residence permit and have resided in Italy for at least one year. In order to present the request it is therefore necessary to present a valid identity document and the tax code, in addition to the residence permit for foreign citizens. As far as the income documentation is concerned, the salaried employees will be able to present the paycheck, the pensioners, the last pension coupons, and the self-employed students the Single Model for the declaration of income.

Before proceeding with the request for a personal loan of 8000 € Cleopar, in this case our advice is to calculate a free online estimate. The simulator on the Cleopar website is extremely simple, and we will not even be asked for the purpose of the loan we are interested in. To know the repayment installments and the rates of interest that Tan and Taeg apply for the loan to which we are interested, it will be enough to specify the amount to which we are interested and choose the duration that we prefer among those available. After having carried out the simulation with the calculation of the installment and the interest for each of the available durations, we have reported the results obtained in the table below, which may be useful for easily identifying the most cost-effective option from 8000 Euros.

24 months 374.32 euros 9.90 12,56
30 months € 306.65 9.90 12,22
36 months € 261.63 9.90 11,98
42 months 229.55 euros 9.90 11,81
48 months 205.55 euros 9.90 11,67
54 months € 186.95 9.90 11,56
60 months € 172.13 9.90 11.48
66 months 160.04 euros 9.90 11,41
72 months 150.02 euros 9.90 11.35
78 months € 141.58 9.90 11,30
84 months 134.38 euros 9.90 11.25

Cleopar personal loans of 8000 euros have a duration ranging from 24 months to 84 months. As always, the main parameter on which to base our evaluation of the best loan is the monthly repayment installment. For this reason the best way to use our table is to identify the lowest duration, considering the options that have an affordable repayment installment. In general, we advise you not to choose a duration of more than 54 months. In this case the installments will be from € 186.95 and therefore rather low, while the interest rates will be Tan 9.90% and Taeg 11.56%. If you want to save on interest then you will have to choose a shorter duration. For example, we recommend a 30-month repayment, with monthly installments of € 306.65 and Tan 9.9% interest rates and 12.22% Taeg.

Ultranix Loan Estimate 8000 euro: monthly payment and interest rates for each term

Ultranix Loan Estimate 8000 euro: monthly payment and interest rates for each term

The last credit institution that we analyze for the 8000 euro loans is Ultranix. There are several strengths of this financial, which allows us to receive sums of money ranging from a minimum of only € 500 up to a maximum of € 30,000 with disbursement in just 48 hours. On the bank's website you can find a detailed description of all financial products offered, which aim to meet the needs of a clientele as varied as possible. Among the advantages offered by Ultranix there is also the great freedom of choice regarding the duration of the loan, which goes from a minimum of 12 months up to a maximum of 120 months. Obviously, in the case of personal loans of 8,000 euros, it is inadvisable to choose a repayment plan with too high a duration. As we have done for the other banks we present the monthly installments and interest rates provided for each of the available duration, calculated simply by entering the desired amount in the appropriate space and clicking on " Calculate the Installment ".

12 months € 698.20 4.91 9.97
24 months € 357.70 4.92 7,91
36 months € 244.20 4.91 7.17
48 months € 187.60 4.92 6.81
60 months € 153.70 4.93 6.59
72 months € 131.10 4.92 6.43
84 months € 115.00 4.92 6.31
96 months € 110.90 6.92 8.35
108 months 101.70 euros 6.92 8.28
120 months 94.40 euros 6.92 8.22

As we have already said, with the personal loans Ultranix we will have a wide choice from the point of view of duration. This is undoubtedly a great advantage, especially if you are looking for a loan with extremely light installments to be repaid in all serenity. The lowest rate in absolute is obviously the one expected for repayment in 120 months. In this case the amount of each installment will be equal to only 94.40 euros, with interest rates Tan 6.92% and Taeg 8.22%. For a € 8,000 loan, however, a 10-year repayment is exaggerated and would result in an excessively high cost for the interest. For this reason we recommend, for example, the repayment in 60 months, which provides for rather low rates, equal to 153.70 euros, with interest rates Tan 4.93% and Taeg 6.59%.