Fast loans are really an ideal resource to be exploited if we have immediate need for a sum of money but we do not intend to specify the use that we have to make of it. In these cases, the ideal solution is always a payday loan. These are loans that are not part of the category of targeted loans, and which will allow the applicant to obtain immediate liquidity to be spent freely without having to justify its purpose. Facile.it is a site that can come to our rescue if we have this need. It is a site that operates exactly like a credit broker and that helps us in comparing the best loans that are present on the net, comparing the conditions proposed by the individual lenders.
Fast loans: free quote
Do you need financing to buy the motorbike or do you have no liquidity to buy the new car and do you need it immediately? For all your needs, finding the best loan through the comparison service offered by Facile.it is really child’s play.
Thanks to this service we can compare the best payday loans online, having a clear picture of the repayment schedule for the repayment of the installments, the costs applied and also the amount that we can receive based on our income. You can choose in the comparison program the desired amount and the installment that we can pay based on our income, without having to justify the purpose.
Ideal financing also on the basis of the profession practiced
It is possible to choose the ideal financing also on the basis of the profession practiced. On the web we will be able to compare financial offers for civil servants for the military, for subjects belonging to law enforcement agencies or who work for public health. In short, all members of the former Inpdap management will be able to access subsidized rate loans by comparing the ad hoc offers offered by the major credit institutions. Of course, loans are also granted to self-employed workers, and in this case it will be necessary to attach the latest tax return. Even retirees are granted the right to access subsidized loans, as already happens for civil servants. Even for Social Welfare retirees, individual credit institutions apply discounted conditions for repayment and rates that are really below those applied by banks for ordinary loans.
On Facile.it you can easily and quickly customize the request with the necessary information, immediately obtaining a detailed overview of the loan offers available, including TAN, APR and any administrative costs to be repaid.
Loans that can go up to $ 60,000 for every need, from the renovation of your apartment, to the need to incur large expenses to marry your children. To apply for a payday loan online, the applicant must be aged between 18 and 75, demonstrate that they have a steady income and have never had financial problems such as protests, foreclosures or inscriptions on the list of bad payers in the past.
After submitting the request for a quote, the applicant will be called by a representative or consultant to jointly evaluate the feasibility of the loan. The lender will have the final word and decide whether or not to approve the financing. In the event of a positive outcome, the sum will be made available to the applicant by crediting the current account. The outcome will be almost immediate while it will take at least 48 hours to obtain the required liquidity.
Offered by banks and financial companies
Today the offers on the network, offered by banks and financial companies are really many and for all tastes and needs. But what criteria do we really need to follow to make a careful choice and to really be able to get a loan at affordable rates and suited to our real needs?
There are some rules that should always be carefully observed. Our first tip is always to check the Tan (nominal annual rate). Obviously the lower the rate the cheaper our financing will be. It is an interest rate that banks indicate to fix the amount of the installment that will be repaid. In subsidized loans granted to civil servants, this rate never exceeds 5%. This is why it is essential to always compare the offers on the net and the individual quotes proposed by the lenders. Choosing the proposal with the lowest Tan also helps us to decrease the cost of the installment and therefore to repay a lower amount. It is also essential to evaluate the amount of the so-called ancillary costs, that is, the costs not related to the amount of the loan but related to the costs of the service to manage your practice. Generally these types of expenses have various nature. Are the costs of the investigation, collection and management of the installment or are the classic costs that we have to bear for stamp duty on the contract. Some institutions also apply the closing costs of the case, those for periodic communications and the costs for insurance coverage of the loan.
To correctly evaluate the quality of the loan offered and the convenience, it is therefore necessary to carefully examine the TAN and the extent of the ancillary expenses. It is also essential to evaluate the applied APR. This is the Global Effective Annual Rate which is given by the sum of the Tan plus the ancillary costs that we have previously indicated. Let’s say it summarizes the overall cost of the financing we intend to apply for. We must always carefully consider whether insurance coverage exists at the time of contract signing. The insurance policies that are proposed to us can be both mandatory and optional. There is no doubt that even this cost will significantly affect the amount of the installment but will allow us to be able to return the installment in complete peace of mind since it will protect us from any insolvencies that may be caused by the loss of the job due to illness and accidents that may arise in the workplace.
In this case, the insurance company will take over the installments still to be paid. A guarantee not only for the applicant but also for the lender providing the loan.
Cover the loan granted with insurance
Sometimes credit institutions affirm the condition of having to cover the loan granted with insurance. This happens especially when the amount that is disbursed is high, for example in the case of loans that exceed 40 thousand USD and when the debtor is a subject at risk because in the past he has not properly honored other loans or because the income is not derive from fixed installments. Insurance can also have a high impact on the installment which can even go up to 6% of the overall cost of financing. For example, if an installment to be repaid is 180 USD, the policy can increase it by another 10 USD.
But in times when the applicant experiences a phase of instability from an economic point of view, it is always a great resource to be able to be rescued by insurance, especially when we have to return large amounts of value. Another element that can increase the chances of obtaining a favorable outcome to our request for financing should not be overlooked: the presence of a guarantor. These are the so-called double signature loans where the guarantor undertakes, as guarantor, to guarantee the regular repayment of the installments and to take charge of them when this does not occur. The guarantor is another ‘insurance policy’ for banks, which protects them from the event that the debtor cannot honor the installments due to economic difficulties. In an age where jobs are increasingly precarious, banks’ exposure to debtor insolvency has increased exponentially. This is why banks are increasingly reluctant to grant loans and have tightened the purse strings, requesting further guarantees for the granting of loans. The debtors’ insolvencies were the main cause of the default of the American banking system which triggered the economic crisis which had repercussions on economies around the world.