How to get a loan
At a time when virtually the whole world revolves around money, awareness in various financial transactions is important.
Especially, you need to know where you can quickly and safely take a loan to a card with a bad credit history, urgently, without refusal.
Such situations often arise, and therefore you should know how to get money for purchases , goals, or just how to make it to salary.
Naturally, when such a situation arises, most people think about the loan. However, if you look at lending in recent years, you can see that the demand for it falls.
This is not happening due to the growing earnings. The fact is that the loan discredited itself with high requirements and unfavorable conditions. A payday loan or a payday loan came to replace him – a safe and profitable alternative.
Thus, a payday loan is an operation, in its ultimate goal resembling a loan. Its essence lies in the issuance of a fixed amount and requested by the borrower amount of money.
They are issued at interest for a strictly defined period . payday loans, unlike loans, are issued exclusively by microfinance institutions . This operation is not performed in the bank.
If you look at the statistics, you can see an approximate portrait of the average borrower payday loan:
- Age – from 21 to 35 years . It is this category that most often appeals to microfinance organizations. They are quite knowledgeable about the financial market and know where to get the money. In this case, it is the people in this age group who most often receive their salaries at the wrong time, they do not know how to form a budget. Still often take a payday loan retirees. They are among the most responsible borrowers with an impeccable credit history;
- As for the sex of the borrower, it can be argued that women and men take a payday loan equally often;
- People who take a payday loan often have a good salary – 30,000 – 40,000 rubles. At the same time, borrowers often have a salary delay, which forces them to look for an easy way to get money.
As for the purposes of taking a payday loan, they are usually distinguished by several:
- We need money to reach the next salary . Such situations arise in case of delay or unplanned expenses;
- To pay for an unplanned trip, as an investment in a good vacation;
- A payday loan may be needed for people who organize a celebration or a business corporation. Money is needed for gifts;
- Urgent money may be needed in case of a sudden illness. So, they are needed for accurate analyzes, maintenance in a good clinic, and even patient transport;
- Often take a payday loan for repair. This may be a repair of a commercial and residential premises, or a repair of a vehicle.
Beneficial and convenience payday loan
Thus, we can conclude that almost every person had a situation in which a payday loan could Lucy Snowe well. Do not be afraid to take it, because it has the following advantages:
- For the first loan, the interest rate will be zero;
- In order to apply for a payday loan, you do not need to submit a large number of documents. All you need is a passport that certifies your identity as a citizen of the Russian Federation. In rare cases, a microfinance organization may require a TIN. No certificates, including from work, do not need to show;
- Even an unemployed person or a person with an informal income can get a payday loan. So, it can get as a student (18 years), and retired. When applying for a loan, they would be waited for by an immediate refusal;
- Consideration of an application for a payday loan lasts only a few minutes. The same applies to the issuance of money. Thus, the borrower will be able to receive the entire amount in a short time.
How is the withdrawal of money when payday loans
An important factor in the implementation of any microfinance transaction is the withdrawal of funds. With a loan, everything is rather inconvenient – money can be withdrawn only to a card or a bank account in which the borrower takes a loan.
With a payday loan, things are different – there are several basic ways:
- To the account or card of any bank.
- You can withdraw money to the online wallet
- You can get the full amount in cash. This can be done through the withdrawal system.
To make it easier for you to choose a microfinance organization, we have compiled a list of the best and newest organizations for 2019. In each of them applications can be submitted online, 24 hours a day have an excellent reputation. If you have already been refused in one of them, then do not rush to despair and submit an application to another organization. You just smile luck!