Apply for loans online without changing banks in minutes

bad credit installment loans not payday loans allow us to obtain financing in just a few hours to carry out projects of different sizes. In addition, in the market, it is also possible to find online loans without changing banks. This alternative can be considered in the case that it is not in our plans to change our entity account, with which we can benefit from good financing conditions at the same time.

Are you going to ask me to change banks to get an online credit?

It will depend on the entity that we go to and the amount. If we look for financing for a project, there are several ways we can go to make the request. Depending on the option for which we decide, the requirements that will ask us to dispose of the money will vary. The banks usually have as a condition that we open an account with them, it is not strange that they ask us to direct the payroll or hire an insurance. However, there are other options such as private credit companies.

Regarding the amount, no entity will ask us to meet any of the requirements for amounts ranging between 50 and 1,000 euros. However, as it increases in quantity, the link is usually higher, especially in the banks of a lifetime. Therefore, when choosing an online loan, it is advisable that we value if we win by putting our payroll in another entity or by hiring cards, insurance, etc.

What do we pay online without changing bank meeting?

Since the crisis, more and more companies have been marketing online loans without changing banks in the market. For this reason, there are many options that will adapt to what we are looking for. To select those that really will cover our need, taking into account the amount can help us make a decision. Below we show the types of products that we find according to the capital they will lend us:

Minicréditos. These credit products allow us to get between € 50 and € 1,000 depending on the conditions of each lender. Their repayment period is usually one month and they have an average interest rate of 1.1% per day. The key to making the most of them is to calculate the date on which we will once again have income in our account. In this way, we will reduce the repayment time and, therefore, the cost of financing.

Quick credits The capital that can be obtained in just minutes ranges between 100 and 3,000 euros. However, we have a period of up to 12 months to repay this credit online without changing banks. Your interest is lower than the products in the previous section. In addition, they allow us to finance larger projects that do not represent an unforeseen event for our economy.

Personal loans. They are the financial products with which more money we are going to get to carry out a project and that can reach 60,000 euros. When dealing with higher amounts, the term to reimburse consumer credit is also broader, reaching 8 years in some cases. Regarding the interest, the average of these products is 8.57% APR according to the data of the Bank of Spain. Although banks have products of this type, through the Internet we can also find many with good conditions and we will know if they have approved it in just a few hours.

Depending on our financial need, we will choose an online loan or another to get a loan. It is essential to take into account not only the amount we need but also the urgency that the problem requires. These aspects will help us to choose one way or another and discard products until we find the one that best suits our economic capacity and what we are looking for.

I want to get an online loan without changing bank

As we have said before, there are more and more companies that can be found in the market and that market different types of urgent online credits. This is quite an opportunity for the consumer, who can compare to find the cheapest or best suited to what you are looking for.

If it is our first time requesting financing, it will be useful to go to tools that help us look for competitive conditions. HelpMyCash experts have developed the Guide: How to increase the chances of getting a loan. Here we will find all the information we need to know the aspects that will be taken into account when approving or denying an application. Then you can download it in just a few minutes:

Does your bank NOT lend you money and you do not know what to do? Download this guide without any cost and discover:

What are your current chances of getting it?
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What is the logic of a lender
Who can you ask for a credit with your profile?
To have this useful tool, all you have to do is provide us with your e-mail and you will receive it free of charge, in PDF format, without any type of spam and in a matter of minutes, in the inbox of your e-mail.

Having an income is not enough to apply for loans online

Any entity that we go to will ask us to have the income to access the financing we need. However, it is not enough that we receive a remuneration, it must also comply with a series of conditions if we want the company to consider it as having sufficient solvency to reimburse the loan within the established term. The characteristics that our income should have when applying for loans online without changing banks are the following:

Each lender will request that our remuneration have a minimum amount, especially for consumer loans of a higher amount. This number may vary depending on the company we go to and the type of product we request.
We must receive our income on a regular basis so that the entity can see that we have stable financial solvency and that we are not several months without receiving remuneration, which would be a risk of not recovering the money that is about to be lent.
We must provide a document as proof of our income. The payroll is not the only valid one. The declaration of the Income, of the IRPF or the pension, are some others that are also accepted by the lender.
If our income does not meet these characteristics, the lenders will consider that we do not have sufficient financial capacity to repay the loans online instantly. Therefore, there is a risk of non-payment by the consumer that would be a problem to recover the money he has lent.