If the loan proposal is accepted, simply submit your personal documents. On most sites, this can be done by the camera phone or scanned as long as the document is readable. Great choices for the 100 loan can also be there.
Loan for negative
It has the dirty name and needs money to pay off debts and who knows how to recover the credit? Yes there is loan for negative. Usually with higher than normal rates, this can reach 20%. Sometimes there are no alternatives to seeing the name clean again unless you get a loan. But be aware, the higher the number of installments, the higher the interest.
The high interest rate for this type of loan is justified by the bank or financial institution having no guarantee of payment, in addition to taking more risks of default. Some alternatives can make it easier to take out a loan for those who are negative, as in financial specialists in this field, who usually release the credit faster.
These are two of several companies that lend money to negatives. For example, is directed to civil servants, retirees or pensioners. But before hiring, once again, remember to consult interest rates and Total Effective Cost. Other alternatives for those who cannot get the personal loan, is the payroll or secured, as banks have greater security over the payment of fees.
Payroll Loan
This is considered an easier form of loan, since the installments are discounted in payroll, that is, directly from the payment of the worker. There is a consignable margin, ensuring that it does not compromise all income. The payable margin is 35%, with 5% to be used to pay off credit card debt. If you have no card debt, your limit is 30%. This amount will automatically be deducted from your salary until the loan ends. It must be requested from your company’s HR. It is also worth remembering that some banks do not release the payable margin ceiling.
Loan for those with family allowance
There is microcredit for low-income families, which can reach up to 15,000. Participants may also participate in the Unified Register of government social programs. According to the rule $ 4 billion worth of microcredit last month opens the door for beneficiaries to start their own business and other activities.
Make a loan or credit card?
Have you ever considered using your credit card to pay off a debt or even got bogged down with the bill deadline and ended up getting into the revolving card? Make no mistake the card is a form of loan, by the limit that must be paid monthly. Most of the time, it is recommended to use the loan to pay off debts or avoid the revolving loan, as credit card rates can be as high as 300% per year.
Credit card revolving is when you do not pay the invoice on time and the bank must provide a form of installment of the invoice, the revolving can be used for 30 days, after that is offered other forms for payment and one of them can be the loan. In some cases it is also not possible to pay debts with the card as the limit may not cover the amount.