/ Sun, 03 May 2020 23:48:26 +0000 en-US hourly 1 https://wordpress.org/?v=5.5.3 Small immediate loans: urgent in one day /small-immediate-loans-urgent-in-one-day/ /small-immediate-loans-urgent-in-one-day/#respond Sun, 03 May 2020 23:48:26 +0000 http://www.tourdelapatagonia.com/small-immediate-loans-urgent-in-one-day/

The tight timing in the provision of a fast loan is certainly one of the most incisive characteristics in its choice as regards a possible applicant. Loans are often paid out within a few days, sometimes over the course of a week and other times within 48 hours. But what happens when a citizen finds himself in front of an emergency and needs flash funding within the day?

In the course of this article we will see together what needs to be done to get a super fast loan and which financial institutions offer this service. In fact, there are many financial companies that provide urgent loans during the day. From the moment in which the request is made until the moment in which the transfer is made to the current account or the bank check is sent, 24 hours or less may pass.

Urgent loans online

Urgent loans online

It is usually cheaper to apply for an online loan to get an urgent day loan from the financial institution. In fact, online loans are often and willingly considered to be loans often and faster than traditional ones, since on the internet the saving of time in practice is significant. The moment the financial institution receives the urgent loan request, it will credit the sum of money to the customer’s bank account within a few hours. Otherwise in the event that the applicant prefers to receive the sum of money through a bank check, the bank will ship the same in the day. We have already seen Cream bank in the past, now we will delve into two other financial ones.

Express, the fast loan from the Copy Lender Bank banking group, is part of the urgent loans category. The procedure for requesting, evaluating and finally providing the loan lasts totally less than 24 hours. All this was made possible thanks to the online signature that makes the request feasible from the comfort of home and thanks to the possibility of sending the necessary documentation requested by fax service. The customer is therefore given the advantageous opportunity to carry out all the procedures required for the success of the bureaucratic process directly from his own home.

How to apply for an urgent loan with Copy Lender Bank

How to apply for an urgent loan with Copy Lender Bank

To apply for this loan you must first make a request on the official Copy Lender Bank website by simply filling out an online form, within a few hours the applicant receives a contract proposal by email, which among other things contains the indication on the the amount that will be disbursed, the number of installments with which to repay the bank and the percentage of the tan and taeg expected.

In the event the customer accepts, he must sign and send the contract and the required documents by fax and in a few hours the bank transfer is issued or the check sent by the bank to the address indicated by the customer. The maximum amount that Copy Lender Bank pays out is 10,000 USD, or 20,000 if you are already a customer.

The repayment of the installments provides for large timescales ranging from 2 to 10 years (therefore from 24 to 120 installments), offering the opportunity, at any time, to be able to prematurely pay off all the debt that is postponed in a single solution by paying a commission of 1% of the residual capital to be returned. Tan usually ranges from 8.99% to a maximum of 16%. The maximum taeg that is applied is 17.23%.

Lite lender company financing very fast (same day delivery)

Lite lender company financing very fast (same day delivery)

Another institution that promises to provide very fast and urgent loans in the day is Lite lender company. Lite lender company loans reach up to 50,000 USD throughout the Italian territory, is aimed at any type of job category and pensioners, the installment and rate remain fixed for the entire duration of the contract, the repayment provides for convenient installments from 12 to 120 months, the amount is delivered to your home even in less than 24 hours, even if there are other loans in progress or you have considered bad payers. No expense claim is required and is also available with a single signature.

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3 must-see tips for getting a micro business loan! /3-must-see-tips-for-getting-a-micro-business-loan/ /3-must-see-tips-for-getting-a-micro-business-loan/#respond Wed, 19 Feb 2020 03:39:59 +0000 http://www.tourdelapatagonia.com/3-must-see-tips-for-getting-a-micro-business-loan/

During economic crises, credit becomes increasingly expensive and scarce, but that should not prevent you from finding a way to invest in improving and growing your business. The micro company loan has been one of the main tools used by managers to combat difficult periods.

However, it is necessary to know the rules and the time to request it. And, to help you with this task, we have listed below three simple and practical tips for making a good loan.

Check out!

Identify the company’s needs

Identify the company

First of all, you need to identify the reason why you need a loan. It may be to invest in technology, process optimization, plant expansion, exploration of new markets, etc.

Knowing the exact reasons will give you a sense of what amount you will need and will make it easier to borrow, since the institutions demand these reasons very well clarified.

Choose the best micro business loan alternative

Choose the best micro business loan alternative

After identifying the main factors that led the company to need a loan, assess the cost of each opportunity to find out what is most worthwhile in order not to compromise the budget in the medium and long term. Ultimately, the loan should help to leverage the potential of the business, not the other way around. See the options below:

Banks

Banks are one of the easiest ways to get a loan. As most of them have a solid structure and greater accumulation of resources compared to other financial institutions, loans can be in larger amounts.

But, as everything has a price, banks charge the highest interest rates on the market, considerably increasing the value of the installments and the settlement time. In addition, the process is very bureaucratic. Therefore, it is only recommended for the most urgent cases.

Financial Institution

Unlike banks, financial institutions offer a lower interest rate, as they compete directly with them. However, the amounts released for loans are smaller and, often, may not be enough to meet the needs of the company.

The process is a little more uncomplicated than in banks, which helps to facilitate the taking of several loans from different financial institutions.

Intermediary

Many people thought that there were only two ways to obtain a loan for microenterprises: through banks and financial institutions. These are the alternatives best known and used by the countryians, yes, but they are not the only ones. Have you heard of intermediaries?

It is an innovative type of loan called “ peer-to-peer ” (from person to person). Through an online platform, you can borrow directly from people who have the money to invest. In addition to being much less bureaucratic, access to money is quick and the interest rates charged are one of the lowest in the market.

Make a business plan

Make a business plan

Regardless of the modality you choose, a good business plan will be vital to obtain a loan. It is through it that the bank, financial institution and / or intermediary will assess the risks and determine the potential that you have to pay the amounts according to the commitment assumed.

Do not forget to include in it the goods that you will make available to settle payments, if you are unable to honor them. Basically, all alternatives require this type of guarantee as a way to protect themselves from high default rates in the country.

Now that you know the alternatives and know how to get a good loan for microenterprise, don’t waste any more time. Get the capital you need today, without bureaucracy and at the lowest rates on the market.

Make a simulation with us right now and be surprised by the conditions facilitated!

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3 things you should consider before requesting a loan /3-things-you-should-consider-before-requesting-a-loan/ /3-things-you-should-consider-before-requesting-a-loan/#respond Wed, 12 Feb 2020 03:33:23 +0000 http://www.tourdelapatagonia.com/3-things-you-should-consider-before-requesting-a-loan/

Credit can be a powerful tool to achieve your financial goals; from personal loans to acquire goods or services that you cannot pay in cash to mortgage loans or to start a business.

However, without proper planning or analysis, a credit can be very expensive. Whether you apply for a credit card or apply for a personal loan, these are the three most important things you should take into account before doing so:

How much it will cost you, really?

How much it will cost you, really?

One thing is that you request an amount, but another totally different is what you will end up paying. To find out how much a loan will cost you, check the CAT (Total Annual Cost). This number includes the costs and expenses that a credit entails. Take into account that the higher it is, the more expensive the credit will be.

Other factors to take into account are the additional costs, fees and commissions, so that you really know how much the loan will cost you and thus be able to compare or decide whether it is worth borrowing or not. In addition to time. Remember that the longer the term, the more you will pay and of course the most advisable thing is to look for a loan that has the lowest possible cancellation fees, in case you get extra money and want to pay off the capital sooner.

Can you afford it?

Can you afford it?

Do not forget to check your ability to pay to keep everything under control. Calculating your ability to pay is very simple, you just have to subtract all your fixed and variable expenses of the month from your monthly income along with the amount you spend on savings; And what you have left is what you can use to pay a credit or debt month by month.

Some experts suggest that a loan or credit should not exceed 30% of your income to be payable and not leave you in poor financial condition. Because remember that if you fall into arrears, this can affect your credit history and that you can reapply for a loan in the future.

Compare

Compare

Sometimes we think we need a micro loan to get out of an emergency or an additional credit card or to extend the limit of it. However, it is best to buy the different financial products. Nowadays and thanks to the online tools, we have the option of buying the products of different financial institutions to find the one that best suits our needs. You don’t need to marry your bank or an idea, always research and compare.

Finally, before signing any contract or saying “yes”, always remember to ask or review the following:

  • The interest rate especially if it is fixed or varies during the term of the credit.
  • Credit time
  • What costs you must bear when applying for the loan.
  • The initial credit conditions may be modified at some time.
  • A promissory note must be signed or guaranteed.
  • Advance payments can be made to the debt.
  • What happens if you incur default: limits (30, 60 or 90 days) before you are transferred to a collection company; they charge you legal costs, where you make your payment of these fees and how they are distributed in the credit, etc.

We can help you reach your financial goals and objectives easily and safely. Come to us to know more information and request a loan to suit you.

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Loans for people with bad records /loans-for-people-with-bad-records/ /loans-for-people-with-bad-records/#respond Mon, 10 Feb 2020 03:51:34 +0000 http://www.tourdelapatagonia.com/loans-for-people-with-bad-records/

What happens if you are presented with a golden opportunity such as a last-minute acceptance in a photography course that you have been wishing to do for years but have few funds? What do you do? Do you miss the opportunity?

When you realize that some opportunities are too good to miss, you will try to get a loan at your local bank to cover the costs of the course and the trip. However, due to a small financial problem you had a few years ago with a credit card, your credit is not as favorable and you cannot get a loan from your local bank. Now what? What are your options?

Dilemma

Dilemma

Money can be a powerful tool that opens doors and leads to more opportunities. So, when it comes to seizing opportunities and making things happen, if you have what is commonly known as “bad credit,” how can you make things happen?

How can you do it and get ahead?

An alternative

An alternative

So, do you have the so-called bad credit? No problem. If so, there are options available for short-term loans with bad credit. You may have had difficulties in the past. But do not worry.

Welcome to our lending company; We strive to say yes when other banks or financial institutions say no. We can often grant short-term loans to people with low credit scores.

A new positive start

A new positive start

We understand that borrowing money is more than a financial transaction, it is a relationship based on trust and reliability. At our lending company, everyone is welcome.

If you have a low credit score and need access to money to make this happen quickly, you can be chosen for a loan.

Subject to approval, we can start with the request. If everything goes well and you successfully pay the loan, we can increase the amounts of your loan when you need it.

Applying for a loan with our lending company is easy. Simply visit us and complete an online application. Applications take only a few minutes to complete and once approved, you get the funds in your bank account in a matter of hours!

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How to improve your credit score? Find out more here! /how-to-improve-your-credit-score-find-out-more-here/ /how-to-improve-your-credit-score-find-out-more-here/#respond Fri, 07 Feb 2020 03:36:59 +0000 http://www.tourdelapatagonia.com/how-to-improve-your-credit-score-find-out-more-here/

One of the ways to obtain loans, financing and credits in stores is through a consultation to the credit protection registries, checking the default rate and other consumer information. Therefore, if you are looking for one of these alternatives, it is essential to know how to improve your credit score.

It is worth saying that a good score may be directly responsible for a loan with a higher value or for the chance of getting better payment terms. This score is nothing more than a way for institutions to check their ability to pay before releasing credit.

Are you interested in the subject? So, continue reading this article and learn how to improve your credit score!

After all, what is credit score?

After all, what is credit score?

The credit score is a scoring system that demonstrates the probability that a consumer will be in default, considering a period of 12 months. The points are based on public information, which has been made available to the database of companies offering credit analysis services.

Because of this, whenever there is a request for a loan, financing, credit and even a credit card, the company analyzes this data to verify whether the granting of credit is viable, in addition to defining the amount that will be made available to the interested party.

The score ranges from 0 to 1,000 and can be divided into three groups:

  • high default risk: 0 to 300 points;
  • medium default risk: 301 to 700 points;
  • low default risk: 701 to 1,000 points.

This score takes into account numerous factors, such as the timely payment of bills, the financial relationship with companies, the existence of negative results and the updating of registration data.

How important is it to keep your credit score high?

How important is it to keep your credit score high?

Keeping the credit score at a high level is important so that you can easily acquire credits, demonstrating to companies that it is safe to make the transaction.

The interpretation of these data tells us that the lower the score, the greater the likelihood that the company will encounter default, presenting losses with the business. We must not forget that interest rates and limits can also be influenced by punctuation.

Therefore, maintaining a high score is synonymous with better credit conditions and easier to close a deal. In other words, maintaining a high score is the same as staying closer to your goals. Think about it!

Before you learn how to improve your credit score, you need to know what your score is, don’t you? From this, it will be possible to understand what your mistakes are and, thus, create ways to improve your expenses.

How to find the score?

How to find the score?

There are some sites that allow consumers to access their credit score, such as Serasa Score and Boa Vista SCPC. On both sites, it is necessary to register and, based on your information (such as paying bills on time, history of negative debts and the frequency of searching for credit), your score is calculated.

As noted, there are numerous factors that can interfere with your final score. The social score, which is the use of information made available on social networks, is an excellent example.

Social score

The social score is a metric used by companies to improve their methodologies, in terms of credit scores. This information is obtained through the personal data that are spread on the internet and that can become useful information.

However, it is necessary to remember that there is a lot of informal work in the country, that is, there are several people who are making money, but without registration in any official government database. In addition, tax evasion also complicates the process, as it is also a case of hiding information.

Thus, some companies are looking for innovative alternatives to overcome these problems. Searching for information on social networks, for example, is an excellent alternative. Information not found in the data can be identified on Instagram or Facebook.

This is called the social score, which is not at all easy to be determined and, mainly, used. However, this type of data is already something that companies are striving to improve the way of searching, analyzing and classifying information.

So, how to improve your credit score?

So, how to improve your credit score?

Surely, you must be thinking, “What should I do to improve my credit score?” It must be remembered that the score is constantly updated, as new data is added to the system.

However, there are some practices that can help you improve your credit score. Look!

Clear your name

Having a negative name, regardless of the credit score, is a synonym for difficulties in obtaining credit. Even after your name is “cleared”, the data maintains its impact for some time.

So, avoid getting your name dirty as much as possible. If the situation has gotten out of hand, try to negotiate debts and find better ways to remedy the debt by clearing your name completely.

Pay bills in advance

The settlement of accounts before maturity shows that you have good financial planning and an efficient control of your budget. Because of this, paying off debts in advance can be a great differential for increasing the score.

On the other hand, delays will be responsible for reducing the score, as they are understood as credit risk.

Keep data up to date

Keeping your data up to date is another factor that directly influences the score. This happens because of the existing reliability in your registration, that is, the accuracy of the registered information.

So, it is essential to check if the data is correct, mainly in the companies that work with the score.

Make the registration positive

Making a positive registration is an excellent way to improve your credit score. By doing this, you authorize information such as the purchase price, the number of installments, the due dates and payment dates to be recorded and provided by the companies.

In this way, by paying the bills on time, you will allow this data to be taken into account when calculating your score, helping to increase your score and, consequently, helping to achieve your goals.

Learning how to improve your credit score and understanding how to use this metric in the market is not a simple task. Throughout this article, we seek to list the main information on the subject, giving you what you need to do to improve your status.

So, did you like our article? What did you think of the information we have listed on how to improve your credit score? Are you interested in the subject? So, learn about 5 tips on how to deal with bad debt. Don’t miss this content!

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5 Myths about immediate loans /5-myths-about-immediate-loans/ /5-myths-about-immediate-loans/#respond Tue, 28 Jan 2020 04:07:11 +0000 http://www.tourdelapatagonia.com/5-myths-about-immediate-loans/

 

All types of personal loans involve rumors and myths that are often not true, it is important to inform you before acquiring a loan, in this section we clarify 5 of the most common myths that exist:

Young people do not have access to loans or formal loans.

Young people do not have access to loans or formal loans.

We know that all people, regardless of their age, economic situation, religion, nationality, sex, etc. Sometimes, due to various situations in life, they need to require some financial support.

In our lending company we are aware of this situation and that is why we are here to support you when you need it.

Micro credit lenders are outlawed.

Micro credit lenders are outlawed.

You have to be careful, since not all companies that are dedicated to granting micro loans could be complying with all the regulations required by law.

In the case of our lending company , you can rest easy since we are a company where we have the commitment of legality and compliance with all the regulations that apply to us.

It is very difficult to obtain loans.

It is very difficult to obtain loans.

Depending on the financial institution you approach to find a solution, this process can be very long, complicated and difficult, or in other financial institutions it could be something very simple and fast.

In our lending company we have an extremely agile and fast process for the approval of loan applications, which you can complete 100% from your computer or mobile device.

Customers end up in debt for a long time.

Customers end up in debt for a long time.

There are all kinds of credits and loans, from those that are very short term to those that are for very long periods such as mortgage loans that can be for terms of up to 20 years or more.

In the case of our lending company we are focused on supporting you in need or short-term situations because we understand that it is very heavy to maintain and have to pay a debt for a long time.

No credit history is generated with micro loans.

No credit history is generated with micro loans.

This is totally incorrect, since all people who have a loan with our lending company, from the moment they are granted a loan will be generating a credit history in the Credit Information Companies.

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Car loan at trial period /car-loan-at-trial-period/ /car-loan-at-trial-period/#respond Thu, 02 Jan 2020 03:29:42 +0000 http://www.tourdelapatagonia.com/car-loan-at-trial-period/

At the same time, a new job means to start a new phase of life. Many changes are coming to the new employee and the salary is also changing. In the case of a new job that has just started, the employee will only work on a trial basis.

The employer wants to see first of all whether the employee is doing his job well and is an asset to the company. Conversely, it is also the case that the employee must first try out whether this is really his dream job. With all the new impressions, it should not be forgotten that the cost of living continues. If you then need a car loan during the trial period, it will not be easy for you to obtain it during the trial period.

Borrowing problems

Borrowing problems

Banks don’t like to see workers during their probationary period lending. The employment relationship is then generally limited to three months, so it is not certain whether the work will still be carried out after the three months and the employee will be taken on. This poses a risk for banks, so that a car loan is often rejected during a trial period. Anyone who can prove a fixed-term employment relationship can also prove a limited salary. A loan cannot be repaid without a salary, so workers will always have bad cards during the probationary period.

Increase credit opportunities

Increase credit opportunities

If you only need a small amount, you will certainly have chances in lending. However, it must be borne in mind that the loan must be repaid within the trial period. The car loan is very low during the trial period. However, if you already have an unlimited employment contract in your pocket during the trial period, you will be able to avail yourself of a normal installment loan. Otherwise, collateral must be available for a loan to be granted.

One of the best known types of collateral is a guarantee and a life insurance. Insurance can also be lent, but not all insurance companies want it. Then the borrower must first ask the insurance company before it can be ensured that it is possible. The last way would be to take out a personal loan so that the loan seeker can use the loan amount to pay important bills.

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How to choose a loan for your company with the lowest rates on the market? /how-to-choose-a-loan-for-your-company-with-the-lowest-rates-on-the-market/ /how-to-choose-a-loan-for-your-company-with-the-lowest-rates-on-the-market/#respond Sat, 21 Dec 2019 03:48:58 +0000 http://www.tourdelapatagonia.com/how-to-choose-a-loan-for-your-company-with-the-lowest-rates-on-the-market/

When choosing a loan for your company, you need to be very careful and make a detailed analysis of its alternatives, considering that the options offered by traditional banks have high rates and the payment term may not be so attractive, making the value high installments and compromising your cash flow.

In addition to the options you already know, which are offered by the most common banks in the financial market, today, it is possible to count on fintechs, which are platforms that mediate the negotiation between the borrower and the investor. Therefore, the bank’s participation is no longer necessary – a fact that helps to make the option more attractive, the rates are usually lower.

Taking this into account, we list the loan options with the lowest rates on the market. This will certainly help you not to make the wrong choice, ensuring the smooth development of your business. Follow!

What are the loan options for your company with the lowest rates on the market?

What are the loan options for your company with the lowest rates on the market?

As we mentioned, currently, fintechs offer the best rate options on the market and, therefore, we have listed three main loans that they offer and that can be advantageous options for your business. Find out how each alternative works.

Collective loan

Collective loan

Also known as crowdfunding, the collective loan has as main objective to help small companies to invest in their growth, launching products, enabling ideas or just organizing finances.

With lower interest rates than those offered by traditional banks – from 1.3% per month – this option has become much more attractive, because in addition to offering the entrepreneur the opportunity to leverage his business, he also does not compromise the company’s cash flow.

In addition, it is possible to request loans from $ 30 thousand to $ 500 thousand, with a term of up to 36 months to repay. But, for that, it is necessary that the annual gross revenue is at least $ 360 thousand and the company needs to have more than one year of operation. Therefore, if the entrepreneur has only a business plan or projections or the company has debts, the loan will not be released.

Impact loan

Impact loan

The impact loan is a credit line for individual micro and small business owners. The amounts of this credit alternative can vary from $ 1,000 to $ 100,000.

To have access to it, the company needs to have an annual gross revenue equal to or less than $ 360 thousand and the rates revolve from 1.3% per month, and can be paid in up to 36 months.

Social loan

Social loan

Social lending is often an excellent alternative for businesses that do not have as much purchasing power. That’s because it doesn’t require a minimum amount of credit, collateral or years of cash flow documents. The loan amounts can vary from $ 500 to $ 5,000 and the payment term is up to 24 months. And the best: no interest charge!

However, it is important that the company has no financial pending; or just a business plan or projections; or less than 12 months of activity.

What care should be taken?

What care should be taken?

When taking out a loan, keep in mind that part of your budget will be committed over a period of time. Therefore, it is essential to analyze your current financial situation calmly, in order to see what expenses can be eliminated in order not to acquire a debt greater than you can actually pay.

In addition, it is important to be aware of the Total Effective Cost (CET) of the loan, not just interest. In this way, it is possible to understand what will be paid to the financial institution.

Choosing a loan for your company requires a lot of caution. So be sure to plan your finances so you don’t miss any details.

Are you interested in these loan options? Then, contact us for more details on these credit alternatives.

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