When there are situations in which urgent money is needed, one of the companies backed by their years of experience is Bankil.
The image that Bankil currently has is not only due to the various advertising campaigns that have been seen in the different media (mainly on television), but also due to the great variety of financial products that it offers in relation to mini-credits or microcredits, for the various situations in which urgent loans are needed. Although it also has the possibility of offering quick credits, when a certain capital is needed to promote different projects.
In the first place, whatever the situation, you have to know how to differentiate between personal loans and personal loans. While the first is aimed at the availability of money depending on when it is needed, the second is focused on obtaining an amount of money, which will be refunded by adhering to a series of interests, in certain terms that have previously been agreed through a contract. So, if it is chosen for the personal loan, the user who requests it, will return it in a series of installments, while in the personal credit, the user will be able to use the money while returning it.
Despite its wide range of financial products, Bankil specializes in personal loans, in the form of quick loans, so that the user has permanent financing at his disposal, as long as he is able to meet the payments of the return, you can have it.
The direct credit, would consist of the possibility of choosing a mini-credit or micro-credit of about € 500 or request something more money up to a maximum € 6000, which the user will return in a time that will depend on the amount that can be faced in the quotas, having a minimum period of time for the return of 12 months and a maximum of 41, depending on the quotas that are chosen of greater or lesser quantity. Therefore, when requesting a direct credit, as possible on the part of the user, the money can be returned according to the agreed quotas and that do not suppose any difficulty for the same
This method is not something new, since credit cards are a product with a similar way of operating. The advantage of direct credit is that it can be requested online, therefore, it would be an online credit, in which it would not be necessary to indicate the reason for the requested money.
Therefore, when urgent money is needed, you can have an amount additional to that which you possess with the flexibility that your return can be adjusted to the personal circumstances of each user.
On the other hand, there is the project loan, whose amount ranges from 4000 to 15,000 €, therefore, as its name suggests, it would be destined to projects that require a greater capital than personal loans, or those cases in which those who need an urgent loan. The examples for which this type of credits are intended are to be able to carry out specific studies, reforms in the home, the acquisition of a new car, etc. In short, those situations in which you need to make a single payment of high amount, taking into account that your return when requested, can be scheduled for 7 years, in different installments.
Unlike traditional banking, in Bankil, the requirements for applying for a loan are not as rigorous. This does not imply that they do not require a series of conditions, and even more, taking into account that the loans of the project credit option are high amounts.
Among the conditions that are needed to apply for a loan, are between 18 and 75 years, justify income on a regular basis, either by payroll, pension, be discharged under autonomous regime, etc., and also , as usual, not part of the ASNEF lists. Remember that the ASNEF is the National Association of Financial Establishments, where many entities include delinquent clients, to prevent possible risks to other entities that are going to offer products or services to the people included in those lists. In the event that the user meets both requirements, he / she will be able to have a quick loan without major inconvenience, adjusting previously the refund installments. To this it would be added also, to have Spanish nationality.
Like most online loans or online loans, the application process is initiated through the web, sending the documentation required by the company that shows the personal information provided, although it is also possible to send it by ordinary mail. Among the documentation that usually confirms the information provided, it is usually found the national identity document, pension, payroll, or IRPF, depending on the situation in which the applicant is, accompanied by the direct debit of any receipt and bank statement .
Once Bankil has received the documentation, it carries out an analysis of the application, together with the user’s ability to meet the quotas, and within a period not exceeding 24 hours, issues its response, taking into account that the in many cases it deals with the need to be able to have money urgently.
Despite the multitude of platforms that currently focus on quick loans, or online loans, whether in the form of credit or loan itself, Bankil, remains one of the most solid alternatives, mainly for five advantages, as they are: