Category: Payday Loans Online

Need a payday loan without supporting documents in the day?

Why choose us for your payday loan without proof?

Why choose us for your payday loan without proof?

Credit agencies are numerous in Belgium as our comparator demonstrates. When a project is in your head, it is not difficult to find a bank that offers a payday loan.. This is the most popular loan in Belgium!

But why choose us among the dozens of organizations on the market. We also asked the question and finally, it was the customers directly who answered our questioning.

Have you ever tried to find out about a restaurant, or a product before you buy it? it’s simple today with online reviews. Of course, as long as they are certified and real. In the case of Cetelem, this is the case, it goes through an outside company that manages their opinion online and certifies them authentic and not “invented” of any room.

That’s why we looked at the subject and found that currently we collects no less than 1400 online reviews. Thanks to these, it is very easy to get an idea about the organization in question: what better than a customer feedback?

Why borrow money from us?

Why borrow money from us?

You wish to concretize your projects? With us, you are sure to count on a solid financial partner who will guide you to the best credit formula:

  • You benefit from one of the best rates on the market, regardless of the type of credit.
  • The amount of your loan will be adapted to your needs and your budget.
  • You repay your loan in fixed monthly installments and for a fixed period, determined from the beginning of your loan.
  • For more security, you can subscribe to our insurance in the formula that suits you and without obligation. For more information on our insurance,
  • This gives you a sum of money that you use whenever you want. The monthly payment is based on the amount you spent during the past month. If you have not used anything, it does not cost you anything!

At Cetelem, every employee is objectified on your satisfaction.

At Cetelem, every employee is objectified on your satisfaction.

“We place the highest priority on customer satisfaction. That’s why, twice a year, we ask them about their level of satisfaction. In May 2016, 400 of them gave their opinion. “

The figures collected unanimously show the satisfaction of 96% of the clients surveyed. 60% recommend us with certainty and 43% say they have a very good image of cetelem.

“These surveys allow us to draw important conclusions with a view to continually improving our services. Every year, survey results are integrated into the assessments of all our employees, making it a global goal for our entire company. “

What is an online finance simulator?.

What is an online finance simulator?.

An online loan simulator is in other words a “calculator” so as to obtain an online quote in a few clicks. This type of simulator exists for a car loan, a payday loan without proof, motorcycle loan, or a mortgage loan.

It is simply a matter of filling in the amount you would like to borrow, then filling in the number of monthly payments you want to make the repayment. Depending on the APR * (rate) of the bank you have chosen, the calculation of the monthly payment will be done and so you can know how much you have to repay per month for an amount to borrow.

The borrower will no longer have to move to his bank to apply for a loan. He can also think about the arguments he will present to receive confirmation of his work or projects. Nevertheless, the talks concerning the latter remain important and necessary for its finalization. To sum up, if you borrow, all you have to do is fill out and calculate the simulation of your online loan. Then, just wait until you are contacted to discuss it: it is very convenient for your travels and your daily steps.

Difference between installment loan & payday loan without proof?.

Difference between installment loan & payday loan without proof?.

“Installment Loan” and “payday loan” refer to the same thing, they are very common consumer credits. The term payday loan is the most commonly used and means that you do not have to justify the use of the amount requested. The only thing is that the bank will check (like any loan) your ability to repay but rest assured, these checks are not as pushy as a mortgage. Generally, it is a fixed monthly payment and the sum requested arrives a few days after the online application.

The payday loan without proof is very convenient because the bank will not ask you: why borrow?

The different payday loans available in Belgium?.

The different payday loans available in Belgium?.

There are many other loans in Belgium that can help you in your daily life or in the realization of your projects and ideas. For example :

  • the wedding loan
  • the holiday loan
  • the study loan
  • or any type of loan for electronic object (tv, etc..).

Insurance for your payday loan?.

Insurance for your payday loan?.

An installment loan may be covered by insurance. It is for example possible to guarantee the assumption of your monthly payments in case of loss of employment or in case of temporary incapacity. But also the total repayment of your credit in case of total disability, disability or death.

Think about it when applying for your loan, insurance is far from useless today.

If I can not repay my payday loan?

If I can not repay my payday loan?

It can happen to have financial worries, unforeseen events that would disrupt a loan in progress. If, for example, you have several credits in progress, you can think about the grouping of credits that can greatly help you.

This “help” often makes it possible to reduce the total amount of monthly payments to be repaid. A payment facility can also be requested from the bank where you purchased the payday loan.

For more serious situations involving multiple lenders, you could resort to debt mediation or group debt settlement.

Difference between payday loan & “fast” loan?

Difference between payday loan & "fast" loan?

Not to be confused, a so-called “fast credit” is actually a cash reserve that works like a credit card, a line of credit. It is called fast credit because in a few minutes you can withdraw the amount you need.

A line of credit is not a loan, there are interests too, but the repayment must be done more quickly than with a payday loan.

Do Not Pay the Loan on Time

 

Why apply for loans with Hypocredit? Rating: 3.9 (Number of ratings: 19 ) Features of Hypocredit Ask for a loan Forget about the financial problems with What good Rating: 2.5 (Number of ratings: 16 ) QueBueno Features Request a loan Characteristics of Luna Credit Request a loan

However, it can happen that even with lax conditions, the consumer was unable to reimburse the amounts that were originally agreed upon, with the consequent breach of deadlines.

This happens because the circumstances of each one vary with time and it is not strange that after receiving a loan the client realizes that he can not face it within the agreed timeframe. In this case, it is where the Zengga financial technology is transparent. It duly informs its clients of the reprisals that the failure to pay the requested loan will have in the agreed time.

If the client is unable to meet the payment of the credit due, a commission for non-payment of 20.00 euros will be generated that will be added immediately to his debt, and interest will begin to be generated on the total amount owed on the due date. of the loan.

It is also advisable to check the conditions of the credit before requesting it, since depending on the conditions of the credit, the consumer will be charged a daily interest rate for delay that will be clearly specified in the loan conditions requested with this financial institution. 
From the day after the expiration, a recovery process is opened for default whose characteristics will be established in the Terms and Conditions specified in the loan loan chosen.

Alternative solutions when you can not pay the loan with Zengga

Alternative solutions when you can not pay the loan with Wonga

Zengga offers consumers short-term loans for periods of up to 60 days. This financial institution applies total transparency in the total cost of amortization, since they prioritize the economic situation of the client and evaluate it, guaranteeing that the client can return the money in the agreed time or even sooner.

For this reason, they do not encourage the extension of credits. However, if in case one of your customers could not cope with the refund of the credit on the due date, Zengga offers a personalized and individual treatment by making available to the customer a phone from which you can contact them to find a solution to this problem.

Change the due date of the loan requested to Zengga

Change the due date of the loan requested to Wonga

Another option that this financial institution puts at your disposal if you can not meet the payment of your loan Zengga on the day fixed, is to ask for a delay of the due date. In other words, the client may contact Zengga and may request an extension as long as this extension is requested before the loan expiration date.

This is a solution that can be used on two occasions since it is possible to request a maximum of two extensions per loan, provided that the sum of days carried over does not exceed 30. 
However, it should be borne in mind that requesting an extension will involve a small amount of money for the client, since the extension has a cost. If you need to extend the term of your loan, it is advisable to think carefully, and make sure that the indicated day will be the day in which the credit can be returned.

And is that each time a change is requested in the expiration date of the credit will be added 15 euros to the amount owed. This amount does not change if a second extension is requested, it will continue to be 15 euros due to a change in the due date.

You should also be aware that, when you extend the term of your loan, you will have to pay the interest that accrues until the new due date chosen. The interest rate that will be charged during the extension period will be the one stipulated in the loan conditions and also depends on the client rating that is held.

The financial entity Zengga will always inform the client of the amount to be paid on the new due date during the extension request process, so that it is he who evaluates the convenience of an extension before requesting the extension of the term of the loan.

In addition, it must be borne in mind that requesting the extension of a loan can negatively affect the client’s rating. So it is advisable before taking any action if you can not deal with the loan should always consult with the entity.

Payroll loan with new minimum salary

 

Retirees and Pensioners can enter the new year, with some news when it comes to minimum wage and payroll deductible loans .

Find out how you’ll get the paycheck with the salary increase in 2018.

Minimum Wage Increase 2018

Minimum Wage Increase 2018

President Michel Temer signed the decree, which will be published in an extra edition of the Federal Official Gazette (DOU), on 29/12, setting the 2018 minimum wage at R $ 954 .

Currently the national minimum was at R $ 937. The adjustment of R $ 17 will be effective as of January 1.

The presidential decree also establishes that the daily value of the minimum wage will correspond to R $ 31.80. The hourly amount, at R $ 4.34.

The calculation of the increase of the minimum wage takes into account the growth of the inflation of the previous year and the growth of the Gross Domestic Product of the previous two years.

As the GDP of 2016 had a negative variation, only the estimate of the National Consumer Price Index (INPC) was estimated at 1.81%.

Although the readjustment was the lowest of the last 24 years and than the estimate that had been approved by the National Congress (R $ 965), it should directly benefit about 45 million people in the country, among them are the INSS Retirees and Pensioners .

For retirees who receive more than one minimum wage, the percentage increase was 2.07% in 2018 . The increase corresponds to the accumulated inflation in 2017 according to the National Consumer Price Index (INPC).

With this new measure and the new payroll loan rules announced in 2017 , INSS beneficiaries can have easier access to payroll deductible loans.

Payroll Loan with new minimum salary

Payroll Loan with new minimum salary

With the increase in monthly income, the amount borrowed and committed to payroll loan installments may also be higher.

The INSS allowable margin, that is, the limit value that the beneficiary can commit with consigned loan installments will remain at 35%, 5% for exclusive use in the expenses and withdrawals of the consigned card. However, the salary readjustment will release a new margin.

New Consignable Margin 

Thus, those who earn only the minimum wage, for example, with the new value can assume installments of up to R $ 286.20 per month.

This amount already considers all payroll loans, discounted from the benefit (retirement or pension). 

If the beneficiary already has other contracts in force, he may contract new credit, acquiring maximum installments in the value of the difference (new available margin).

Read also : Readjustment of the 2019 minimum wage will be of 3.3% for INSS beneficiaries

You must also be aware of the maximum number of contracts allowed per benefit. The lines will go from six to nine payroll loan contracts for Retirees and Pensioners.

In addition, other very important information that must be taken into account, by all who want to acquire consigned loan, is the payment table of INSS 2018.

Available since the end of the year, the 2018 benefit payment table released by Social Security , informs the complete schedule.

Thus, every Retiree and Pensioner who receives up to a salary or above a minimum wage must follow the calendar with the dates to realize the benefits withdrawals .

The criterion for setting the dates is given by the final number of the benefit (before the digit) , which appears on the beneficiary’s magnetic card.

From the calendar, it is possible to make a minimal financial organization, thus facilitating personal and family budget planning. With this, it is possible to put the accounts in order and guarantee quality of life. And believe it: even when there is a need to hire a payroll loan.

Read also : Salary Adjustment 2018 Federal Public Servants (SIAPE)

How to hire the Payroll Loan?

 

The paycheck is the personal loan with the cheapest interest rate on the market . In addition, your payment is facilitated by being automatically deducted from retirement or pension.

In the case of the loan for retirees and pensioners, the hiring can only be performed in banks authorized by Social Security .

Bxblue is one of the companies specializing in payroll loans, authorized by the Central Bank, which are already able to anticipate proposals and contracts based on the new increase.

And what is the advantage of requesting the proposal of the consignee before?

Once approved by Dataprev, Social Security payment system, the registration and release of credit, will respect the order of inclusion of proposals in the system of banks.

Soon, proposals inserted before, will also be registered and released before. That means money in your account in less time!

So if plans for 2018 include taking a trip, renovating the house or paying debts like the credit card or overdraft, take the time to simulate your payday loan with bxblue .

By performing the online simulation you can discover the assignable margin, compare offers from various banks or even receive free automatic notices on new opportunities for refinancing or carrying your credit .

After all, life changes. Your credit need too. With bxblue it is possible to trace the personal goal and technology takes care of the rest.

So you do not have to worry about anything else. Just wait for the money in the account to realize that dream or resolve that financial pendency.