Facilitated credit with pension check? The benefits of retired loans

Discounted loans for state and public pensioners

Discounted loans for state and public pensioners

With the Save Italy Decree (Legislative Decree 201/11), Government Agency was abolished and all services provided to employees and pensioners of the public administration became the responsibility of Social Institute. To manage ex Government Agency practices, the institute has set up a special office, which is called Public Employees Management.

The management of public employees deals both with the management of the pension fund of the former Government Agency members and with providing the services and services dedicated to them. Among these are pensioner Government Agency loans, loans at subsidized interest rates for pensioners in the public administration. But let’s see in detail what the credit lines that Government Agency pensioners can access.

Small loans which allows obtaining loans

Small loans which allows obtaining loans

Among the pensioners Government Agency loans we find the small loan, which allows obtaining loans on the assignment of the fifth repayable in 1, 2, 3, or 4 years. Accessible only to members of the Unified Management of Credit and Social Benefits, this loan provides for the disbursement of amounts defined on the basis of the pension received by the applicant and the duration of the amortization plan.

In fact, for each year of repayment, it is possible to obtain a sum equal to two average net monthly payments received by the applicant, without prejudice to the limit of the transferable portion. In the event that the member has other loans in progress on assignment of the fifth of the pension, the maximum amount payable is reduced to an average net monthly salary for each year of amortization.

A fixed interest rate of 4.25%, a rate of administration fees of 0.50% and a premium for the Social Institute Risk Fund, established on the basis of the age of the applicant, apply to the gross amount of the loan. and the repayment duration. Since they fall into the category of personal loans to obtain small Government Agency loans, there is no need to produce reasons or present medical certificates.

Multi-year loans

In addition to small loans, former Government Agency pensioners can also access multi-year pensioner Government Agency loans, loans granted by the Social Institute credit fund for actual and documented personal or family needs, falling within the cases provided for by the Government Agency loan regulation. To access multi-year loans, it is necessary to have been registered for at least four years in the Unified Management of credit and social benefits.

The duration of the loan (which can be five or ten years) and the maximum amount of the loan are defined on the basis of the reason for which the loan is requested. The loan is repaid by assigning a fifth of the salary and the repayment begins the second month following the disbursement of the sum.

The interest rate applied is 3.50%. And as for small loans, a rate of administration fees of 0.5% and a premium for the payment of the Risk Fund apply to the gross amount of long-term loans.

How to apply for loans

How to apply for loans

But how to apply for Government Agency retired loans? Application forms can be downloaded, in Pdf format, directly from the official Social Institute website. To reach the forms relating to loans dedicated to pensioners, it is necessary to connect to the Social Institute website and follow the path: “Services and Services – All modules – Management of Public Employees – Member / Pensioner – Credit and social benefits”.

For both small loans and long-term loans, the application must be sent to Social Institute electronically. To submit the request, civil servants must contact the Administration they belong to, whereas retirees must use the special online service.

Finally, as regards the documents to be attached to the request, a small medical certificate and a few income documents are sufficient for small loans. For multi-year loans, on the other hand, it is necessary to attach all the documentation certifying the applicant’s state of need. These documents therefore vary according to the reason why the funding is requested.

Credit default rises to great amount – what you need to do?

The delinquency of the credit granted by banks

The delinquency of the credit granted by banks

Savings banks, cooperatives and financial credit establishments to Spanish families and companies rose in April to 8.72%, a level that it had not reached since May 1994, which continues at its highest levels in recent years. 18 years, according to data from the Best Bank collected by bank.

According to provisional data published by the Best Bank, the delinquency of the Spanish financial sector grew three tenths with respect to the 8.36% registered in March, when it rose two hundredths compared to the 8.15% marked in February.

The portfolio of doubtful loans stood at 152,740 million USD at the end of the fourth month of the year, with which it exceeded 150,000 million for the first time since June 1996 and stood at 4,772 million above the previous month.

For their part, credit financial institutions ended last April with a delinquency rate of 8.628%, from 8.63% the previous month and with a balance of 3,529 million USD. It is striking that the delinquency of these entities dedicated to loans to acquire consumer goods such as a car or a computer is lower than that of banks.

The doubtful credit of these entities decreased slightly in April compared to the previous month, since it stood at 3,529 million, compared to 3,574 million in March. If we compare these data with those recorded a year ago, the unpaid credits of the EFCs improved by almost one percentage point, since in April 2011 they were delinquent at 9.59%.

Delinquency rate of loans granted by financial institutions

Delinquency rate of loans granted by financial institutions

The doubtful portfolio, meanwhile, fell by 314 million USD in twelve months, since in April last year the figure was 3,843 million USD unpaid. In addition, the entities as a whole had provisioned 375,810 million USD at the end of April, of which 84,287 million were to cover the loan.

The delinquency rate of loans granted by financial institutions for real estate activities reached 22.8% in the first quarter, with 67,421 million USD, the highest figure in history. The default of the promoters has more than tripled since 2008, the year in which it reached 19,416 million USD, starting an upward progression that has not yet ended. Thus, the data at the end of this first quarter is more than seven percentage points higher than the same period in 2011 (15.2%) and reflects that these companies are also facing a difficult 2012.

The balance of doubtful loans in the real estate activities section stood at 67,421 million in March, which represents an increase of more than 5,000 million compared to the end of 2011 and almost 20,000 million compared to March 2011.

Total loans for real estate activities reached 295,696 million USD, 0.8% less than at the end of 2011, and 5.2% less than the first quarter of last year.

Balance of doubtful mortgage loans

Balance of doubtful mortgage loans

Likewise, mortgage delinquency reached 3% in the first quarter, three tenths above the level reached in 2011, of 2.7%. The balance of doubtful mortgage loans reached 18,326 million at the end of the last quarter, while the total balance of loans for the purchase of home with mortgage guarantee closed at 608,763 million.

Thus, mortgage loans have decreased 0.6% compared to the end of 2011 and 0.9% compared to those signed in the first quarter of last year, clearly reflecting the drop in home sales. which, in turn, is behind the difficulties that promoters are going through.

Quick loan: how to get it easily and safely

A quick loan is what many people are looking for. Many times the timing is really long. And the expectations really exacerbate. Considering also the fact that they are not always delivered, everything becomes very tiring. In fact, the “bureaucratic practices” are many. Lenders check many parameters for each user. But it’s not always like this. There are very fast institutes. They offer safe and short term loans. In this way the customer does not wait very long. And above all, he can have the requested sum immediately available. But what are they? Let’s see it immediately.

Quick loan: which institutions to consult

Quick loan: which institutions to consult

One of the ways to get a loan quickly and securely is Capital Lender . Through its platform it is easy to request info. Just choose the amount, duration and purpose of the loan. Nothing complicated. In fact it will be easy then thanks to the consultants. Younited is one of the most important realities in Italy. It has funded over 100,000 projects across Europe. The organization behind it is simple. The sums borrowed come from the company’s professional investor community. They can be individuals, companies, insurers, etc … This facilitates the circulation of money between investors and applicants. So let’s talk about a “Digital Credit Platform”. A market where investors and applicants meet. Not a bad idea.

Quick loan: an example of a loan

Quick loan: an example of a loan

Let’s try to make an example of a loan. With a loan of 3000 $ it is possible to repay the amount in 72 installments. The amount of each installment is $ 47.55. TAN and APR are fixed. The cost of the service is $ 208.80. The total cost of the loan is $ 632.40. Really acceptable rates. The return times are between a minimum of 6 months and a maximum of 84. In fact, in this way, comfortable installments can be guaranteed. All this to guarantee the loan in a simpler way. To request information just click here. It is a company that focuses on maximum technology. In addition, it tends to minimize operations for approval. Really an excellent opportunity.

Who grants loans to low-income earners – what should I watch out for?

 

It is not easy for a low earner to get a loan. The group of low earners includes those whose income does not exceed a limit of 400 USD per month. A low-income earner either does a mini job or works on a marginal basis. As a rule, the income of low-wage earners is always very low, so it is only enough for rent and food. Anyone who wants to make another purchase, for example because the refrigerator or vacuum cleaner has broken, is forced to apply for a loan. In principle, it is possible to get a low-income loan. However, some essential things should be considered here. Helpful information on the subject of credit for low earners can be found in this article.

Who grants loans to low-income earners and what should you watch out for?

Who grants loans to low-income earners and what should you watch out for?

There are numerous banks that offer special loans for low earners. Regional banks are usually unwilling to lend to low earners, but direct banks have good to very good deals for these groups of customers. On the Internet in particular, it is easier to find a direct bank with good conditions that lends to low-income earners. In any case, it is advisable to compare several offers with each other in order to find out which offer is the right one.

If you want to take out a loan for low earners, you have to consider one or the other. Income is a major challenge in this context. All banks want their customers to have good credit ratings, but this is not the case with low incomes. Nevertheless, there is an opportunity to get a low-income loan. Whoever has another borrower has a clear advantage. It is crucial that the additional borrower has his own income. In this way, nothing stands in the way of lending. A guarantor is also an advantage for low-income earners when applying for a loan. In this way, the bank can insure itself in the event of a possible credit default, because the guarantor takes over in the event of a default and pays the installments. In addition, the borrower must look closely at the financing terms and consider whether it is possible. Everything has to fit, especially in terms of repayment. A loan with flexible repayment options is the best option in any case.

The bank always bears an increased risk with a loan for low earners, which is why the interest rate level is usually higher than with a normal installment loan. In addition, the term and the amount of the loan differ significantly from normal loans. Loans for low earners are usually no more than 3,000 USD and must be repaid at least within the next 36 months. The borrower must also be able to demonstrate that there is no negative Credit Bureau entry. If there are negative characteristics in the Credit Bureau, it can be assumed that the loan will not be approved.

What other options are there?

What other options are there?

The biggest shortcoming from the banks’ point of view for a low-wage earner is that his income is not attachable in case of doubt. It is so low and is still below the garnishment exemption limit. As a result, some banks are unwilling to grant a loan to low-income earners, despite good information from Credit Bureau. One option to find a low-income loan is to hire a loan broker. This credit broker specializes professionally in helping special customer groups to find a suitable loan. He knows the financial market very well and can also find the right loan for a low-income earner. It is therefore an advantage to contact a credit intermediary early on. In addition, it is easier for low earners to get a Swiss loan. This is a loan that is only granted by banks in Switzerland. What is special about a Swiss loan is the fact that no Credit Bureau information is required. This loan variant is particularly suitable if you want to take out a loan with a low sum.

A good option for a low-income earner to get money would also be a personal loan. For this you borrow money from a relative or acquaintance. The advantage of a personal loan is that you often have to pay little or no interest and is much more flexible in terms of repayment. In addition, there is the possibility to look for another mini job or other minor employment in order to earn some extra money and to be able to afford other purchases.

Furthermore, a so-called trade credit can also be applied for for certain purchases. However, it only applies to certain goods and is always associated with the purchase of the goods. Therefore, a commercial loan cannot be paid out in cash and proof of income is usually required.

Another newer way to get a low-income loan is through personal loans. This does not include private individuals who are already known, but private investors who grant personal loans online. What is special about this loan is the fact that the interest rates are much lower and the conditions are much better than with a normal loan from a bank. The loan application is made on a placement platform that can be easily found on the Internet.

In addition, the lending is done anonymously. The applicant must disclose certain credit metrics to the private lender so that the lender can be sure that the applicant can also repay the loan. As a rule, even several lenders participate in lending by means of smaller amounts. With this variant of risk diversification, lenders are more willing to grant a loan to a low earner. In addition, the personal loan is particularly suitable for low earners because the income does not have to come from a job. Despite everything, it is important that the borrower has the best possible credit rating and collateral. If defects are identified, it can be assumed that the interest will be higher or that the loan application will even be rejected.

Loans for retirees, what you need to know

 

The loan to pensioners falls within that particular category of financing that we can define as subsidized. The minimum and essential prerequisite, as can already be seen from the phrase, is that of being a pensioner. The pensioner status to access the pensioner loan does not necessarily have to be that of direct pension ownership but also that of indirect retirement, i.e. the survivor’s pension. 

Even those who inherited the check (reversibility) have the right of access to loans for pensioners, and this applies both to the loans requested from a classic bank or financial institution, and to those that are requested online.

A pensioner loan 

A pensioner loan 

Usually the pensioner loan is granted a little to all pensioners, even if greater difficulty in obtaining the loan occurs for the social pensioners, or for those who take the check or social pension, since the monthly received is so low that does not allow the installment to be withheld and in most cases the request is simply refused.
As regards the type of pensions underlying the loan, almost all the entities and draw up loans to their pensioners both directly and through an agreement. Among the institutions that provide loans to their retirees, we report the following:

  • first of all loans to pensioners par excellence, that is, those proposed by social security;
  • then we find the Enasarco pension loans (social security agency agents and sales representatives);
  • loans to Enpals pensioners (national social security and assistance agency for show business workers);
  • CNPR pension loan (national pension fund for accountants and commercial experts);
  • EPPI (industrial experts pension fund) retirement loans;
  • retired loans IPOST (post-electronic institute);
  • Inpdai pension loans (national pension fund for industrial company managers).

Characteristic of the pensioner loan

Characteristic of the pensioner loan

A characteristic of the pensioner loan is the age of the pensioner himself. Over the years we have witnessed a gradual increase in the age of the applicant for standard loans to pensioners: from the initial 65 – 70 years it has gone up to 75 – 80 years and even today loans to pensioners who have reached the venerable are advertised age of 85 – 90 years.
But how can the loan to a pensioner be reconciled with his life expectancy? In this case, it is necessary to distinguish according to whether the loan expiry falls within or exceeds the average life of the man today. This, it is known, is about 75-78 years for men and 78-82 for women. Well, personal loans to new retirees whose maturity is below average life do not give particular problems and are treated like other loans.

The problem of loan solvency, on the other hand, arises when the maturity goes beyond the average life or is even turned on during this period. What are the solutions? That is, what if you look for a 10-year loan at 85 – 90 years old? In most cases there is a direct refusal, if this does not happen, the most logical solution would be that of a third party guarantor who should guarantee the payment of the installment if the pensioner dies.

However, the solution that is proposed by the lenders is that of the single signature with the stipulation of an insurance policy which guarantees the repayment of the loan in place of the deceased pensioner. It should be noted, however, that this insurance, given the high probability that the death event will occur, has very high costs that profoundly affect the APR of the loan to pensioners in the following way: the higher the age of the pensioner, the higher the cost will be insurance. To conclude, we advise our pensioner to avoid, where possible, to join the financing guaranteed by the policy and rather seek a third party guarantor.

Mortgage and Loans Difference

 

Mortgage and loan are two forms of financing in which the bank grants a sum of money to the client which must then be repaid by the client, including interest. In short, the loan is requested for large amounts and for long periods, the loan instead for smaller amounts and limited and shorter periods of time. In both cases, speaking of both mortgage and loan, we indicate a circumstance in which a subject requests a more or less substantial sum of money and undertakes to return it.

Main differences between Mortgage and Loan

Main differences between Mortgage and Loan

We have seen that both types are forms of financing that make them different are the main characteristics, which can make one or the other more advantageous according to the needs. Let us analyze the aspects of both methods of financing.

Regarding the loan:
1. It has a shorter duration than the mortgage.
2. The loan provides for the disbursement of a small sum, for this reason guarantees are generally not requested except in special cases.
3. The loan has no tax relief, as it is generally requested for needs not considered primary.
4. With the loan we are not obliged to declare why the sum is requested, it can be used by the applicant in the manner he wishes.

As for the mortgage, the main features are:

1. The mortgage must always be aimed at the purchase of an asset, which must be declared, usually a mortgage is required for the purchase of a house or a structure for the company as a shed.
2. You can take advantage of tax breaks, such as the deduction of part of the interest from taxes.
3. The duration of a mortgage is medium to long, up to thirty years.
4. The amount that can be requested with a mortgage is high
5. The lender to whom the mortgage is requested requires guarantees, both personal and material. For example, the mortgage on the house, or on the property you will buy.

WHAT ARE THE STRONG POINTS OF THESE TWO FORMS OF FINANCING?

WHAT ARE THE STRONG POINTS OF THESE TWO FORMS OF FINANCING?

Choosing between one or the other solution requires evaluation of the situation in which you are. To understand which of the two modes is more suitable for you, we list below the strengths of both. For the loan:

1. It has a higher speed to be dispensed from 24 hours to 15 days
2. A notary is not needed as it is a public act
3. There are less costs for opening the application form

Taking out a mortgage instead will have these advantages:

  • 1.Lower interest rates
  • 2. Longer duration
  • 3. You may request higher amounts

By recapitulating a loan you can get it in a short time, with lower costs and a short duration and usually without guarantees, but the sum will not be high. While for the mortgage, the grant times are longer and the request has higher costs and you will have to have solid guarantees to see it granted, but you can have a higher sum and a time for the repayment up to 30 years.

As far as loans are concerned, a clarification must be made, they are divided into two categories, those finalized and those not finalized. Those aimed are strictly related to the purchase of a certain asset and are those loans that you can usually apply directly in the shop where you go to buy the asset in question, for these loans usually no guarantees or pratite to be carried out. In the case of non-finalized loans, however, you will have to contact the bank directly, you will not have to specify how you will use the funds.

WHAT SHOULD WE ASSESS BEFORE PROCEEDING WITH A LOAN OR LOAN?

WHAT SHOULD WE ASSESS BEFORE PROCEEDING WITH A LOAN OR LOAN?

We said that the choice will be made according to our needs and therefore you will have to evaluate the important aspects before proceeding with the choice.

1. Amount to be requested
2. duration
3. the typology
4. the Taeg which is the real cost of financing
These are all aspects to be carefully evaluated before the application, if you find yourself having to apply for a home loan, the first aspect that you will have to consider and the rate, which can be fixed or variable.

LOAN HOME AND MORTGAGE HOME, THE DIFFERENCES

LOAN HOME AND MORTGAGE HOME, THE DIFFERENCES

The home loan is a loan that is usually required to carry out work inside the property. It is usually requested to cover small expenses related to renovation, maintenance or more simply for the furniture. The loan, on the other hand, is usually requested for the purchase of the property, can be at a fixed, variable or mixed rate and the charge is usually made directly to the current account.

THE LOAN INTEREST RATE: THE DIFFERENCES

THE LOAN INTEREST RATE: THE DIFFERENCES

The fixed interest rate is a rate that remains unchanged for the duration of the contract, it is a guarantee against market fluctuations but at the same time does not allow you to take advantage of any facilitations. The variable rate instead provides for different installments based on the market rate and economic policy, the risk is that you may find yourself paying a higher installment that may not even be sustainable. The mixed interest rate allows you to switch from a fixed rate to a variable rate with deadlines, which are established by the initial contract with the bank, with this type it has advantages and disadvantages of both the fixed rate and the variable rate.

Loan with guarantor despite Credit Bureau

The prerequisites for borrowing are not always what banks want. Because life sometimes writes its own stories, which play apart from a good credit rating and the resulting permanent employment. All of this is generally not a big problem, since everyone can shape their own lives the way they want them to.

It only becomes problematic if a loan is to be taken out, the requirements of which are so narrow that life can only be partially reconciled with it. In such cases, a loan with guarantors must be looked for despite Credit Bureau. These are available in a wide variety of forms and at very pleasant conditions.

Why Credit Bureau is so important for borrowing

Why Credit Bureau is so important for borrowing

In Germany, banks and savings banks hedge very well before approving a loan. They want to know exactly who they are lending money to and what the borrower’s financial behavior is like. If this shows itself to be inconspicuous in its financial activities and it has not accumulated any negative entries in the Credit Bureau, everything is fine and a loan is granted if the income also fulfills all the necessary requirements.

However, if the Credit Bureau is peppered with negative entries, this means in most cases that the prospective customer does not regularly meet his payment obligations and has therefore accumulated debts. For banks and savings banks, this means a significantly higher risk of default, which of course they do not want to take on. You reject the loan application or make the condition that only a loan with guarantors can be taken out despite Credit Bureau.

What does a surety do?

What does a surety do?

In the case of a loan with a guarantor despite Credit Bureau, the guarantor can be regarded as a second borrower. Even if he does not apply for the loan, but only signs it, he is fully liable for it. That is, whenever the borrower does not meet his payment obligations. The bank then turns to the guarantor and requests that he take over the installment payments. A surety thus brings more security to the loan and reduces the risk of default for the bank.

So that a loan with guarantors can be realized despite Credit Bureau, it is very important that the guarantor has no problems with Credit Bureau. He has to incorporate the positive Credit Bureau into the loan that the bank wants and that the actual borrower does not have. Only if this is the case can the loan with guarantors be approved by the bank despite Credit Bureau.

Tips for a loan with a guarantor despite Credit Bureau

Tips for a loan with a guarantor despite Credit Bureau

If you are interested in a loan with a guarantor despite Credit Bureau, then you should not take advantage of the first best offer, but compare several offers with each other. If you are looking for a simple installment loan that you can customize, then in the best case use a comparison calculator for your comparison. Remember that you can only get the loan with guarantors due to your deficient Credit Bureau. This will affect the effective interest rate, which will be slightly higher than for borrowers who have a good Credit Bureau. Despite all this, you will find many loan offers that match your requirements.

Think very carefully about the desired loan amount and the amount of the monthly installments. If you already have financial problems that are the reason for the negative Credit Bureau, then you have to consider carefully whether a loan is worthwhile and the solution to the problems. Choose the amount of the installments carefully so as not to create an excessive financial burden. Always remember that if you cannot pay the loan, you will charge your guarantor. And this is certainly not your goal.

Tip: It is often the direct banks that hold the cheap offers around a loan with a guarantor despite a negative Credit Bureau. An intensive look at the Internet is definitely worth it.

Swiss credit over 3500 USD

 

Swiss loans are primarily understood to be loans granted by Swiss banks without a Credit Bureau request. These are mostly limited to an amount of 3500 dollars, few banks also accept credit requests of 5000 dollars. In the case of federal loans, the amounts are generally not freely selectable; rather, the Swiss loan of $ 3500 or, in exceptional cases, $ 5000 is granted. Consumers may take the amount in dollars literally, because all credit processing takes place in the common $opean currency. Swiss credit is therefore not associated with the risks of a foreign currency loan.

The Swiss loan is granted without Credit Bureau

The Swiss loan is granted without Credit Bureau

Almost as a unique selling point, the Swiss loan of 3500 dollars has the special feature that it is granted without a Credit Bureau request. In addition, the federal bank does not notify the German credit protection agency about the borrowing. This makes the Swiss loan suitable for all applicants with a negative Credit Bureau. Furthermore, 3500 dollars borrowing in Switzerland is ideal for consumers who want to start extensive further financing within the following six months, since two loans within six months lead to a deterioration in the credit rating.

Apply for the Swiss loan directly or through an intermediary?

Apply for the Swiss loan directly or through an intermediary?

Employees can apply for a Credit Bureau-free Swiss loan in Switzerland of over 3,500 dollars directly from the Swiss bank if the income from their main job is higher than the garnishment-free limit. Federal credit institutions do not take additional income into account in their household accounts, as does child benefit. Furthermore, Swiss banks require the nationality of their country of residence for their credit customers; they are not obliged to treat all EU citizens equally since Switzerland is not part of the Community.

Self-employed loan seekers and people with a lower income or who are made up of different components generally receive a Swiss loan of $ 3500 only through a credit broker. They make sure that their agent works seriously and only charges a reasonable commission in the event of success, and never charges any additional costs. The services of credit brokering include a price comparison, while applicants do this themselves when taking out a direct loan.

Bad Payers Personal Loans

 

Loans for bad payers are loans disbursed to those who have received a report from the risk center for non-payment of a debt. They are financial products that have different characteristics than personal loans and are very difficult to obtain. For institutions that provide loans, in fact, those who have not paid a debt could do it again and therefore a bad payer represents a risk. Let’s see how they work and how you can get a loan even if you are reported to CRIF.

How do bad pay loans work?

How do bad pay loans work?

This form of financing is very similar to normal personal loans with the difference that, as we have seen, they are often not accepted by banks and financial institutions. This is because the relationship between the amount requested and the risk is not satisfactory for the lender. The interest rate for this product is very often higher than normal personal loans, in fact, the financial and banks apply these interests close to the limit imposed by law beyond which we fall into the usurer rate. For this reason, in the event that you have any suspicions about the rate that is applied to your loan, check, in the event that the bank or the credit institution has applied a rate higher than that permitted by law, you can request a refund.

What to do if the bank refuses to grat the loan?

What to do if the bank refuses to grat the loan?

We have seen that obtaining a loan for bad payers is not easy, but if the bank refuses the request we can opt for a second possibility: the transfer of the fifth of the salary.
The assignment of the fifth can also be requested by the bad payers, as the installment will not be paid directly by the applicant but by the employer. In a nutshell, the bank disburses the loan and the employer will retain the fifth of the contract to pay it to the bank. The assignment of the fifth is a tool that offers a possibility to all those people reported as bad payers, circumventing the problem because the bank is physically paid by the employer.

Which banks lend to bad payers?

Which banks lend to bad payers?

There are not many credit institutions that provide financing of this type and many directly request the transfer of the fifth of the salary. We point out Best Bank, Lite Lender, Astro Finance, Good Finance and Agree Bank. We advise you to always check which one offers you the best conditions, to inform me about the rate permitted by law which must not be exceeded before choosing which to contact for the request.