If you need to carry out a small reform at home, if you want to buy a gift or simply go on that well-deserved vacation, you may be contemplating the idea of applying for a loan and perhaps you do not know how to do it.
In recent years, thanks to the facilities provided by the Internet, there has been a considerable rise in microcredits, thanks to how easy they are to apply for and how quickly they are granted.
Not having to carry out cumbersome procedures or endure bureaucratic procedures as in a traditional bank office are two of the main reasons that answer the question of why take a microcredit. It is a small amount online loan -usually between 60 and 500 euros- offered by a financial entity and that can be easily requested online.
To request them, the steps are usually the same as those followed before a bank, and they usually have much fewer requirements. By residing in Spain and being of legal age, without having large debts, and proving that you have regular income, you can access an online microcredit, an ideal solution to face unforeseen events and those expenses for which you do not have reserved savings.
It will also be necessary to present the DNI and enter an email address or mobile phone number. If you are in ASNEF or a delinquent file, it may be more difficult for you to access a bank loan, but thanks to the more flexible conditions of microcredits, you will find entities that do offer you financing.
In fact, you do not have to present any type of guarantee to apply for one of these loans, since to offer customers more ease, the entities that provide them only require proof of receiving recurring income, nothing more.
As you can see, thanks to the digital world, requesting one of these loans can be done quickly and easily, allowing you to forget about bureaucracy, without obstacles and without very long application deadlines.
You will only have to indicate the amount of money you want to request and the desired return period. You will only have to fill in a short questionnaire with your personal data and hit send. The normal thing is that you receive an immediate response, either through email or SMS.
If the request has been accepted, a verification code will also be sent to you and you will have the money in less than 15 minutes or in a couple of days, depending on the entity, but all without having to deal with cumbersome procedures.
The particularity of these loans, and what makes them more attractive, is the speed of their processing. In the end, they are usually requested for immediate or unforeseen purchases, so a process that lasts weeks does not make sense, since then they would not be requested.
It should be noted that just as a natural person can request this type of micro-credit, a small company or SME could also take a micro-credit. Generally, the requirements and procedures to apply for one are the same for an SME as for any other type of natural person.
As you can see, thanks to advances in technology there are financial entities that can adapt to the needs of users and offer economic solutions to their problems and unforeseen events easily and quickly. Taking a mini credit will not take you more than a few minutes. Always read the contracting conditions and choose the best entity to subscribe it and quickly enjoy that money you need.