Do you want money to make reforms at home or make that trip that you have been putting off for so long?
You have been wanting to make some home arrangements for about a year but there is no way to save the money you need. Banks make it harder for you to apply for a loan.
That if huge interests, too many paperwork, many documents that you have to deliver and endless waiting times that always end in a, I’m very sorry but from the central they reject your credit application! Don’t you think it’s time to value other options to get that extra money you need?
Where can I request a fast payday loan without waiting?
Hugebank is one of the best options you can find. It is a bank that since 1992 has been granting personal loans and fixed-term deposits. You can get from € 500 to € 10,000 quickly and easily, with a return period of 6 to 72 months. Its headquarters are located in Tartu, Estonia. It is present in several European countries such as Latvia, Lithuania, Sweden, Finland, Austria, Germany, Holland. In 2011 it opened its branch in Spain.
From their Madrid office they offer personal loans, as well as from their website or through their telephone banking service. Taking many years of providing economic services to people reflects the company’s commitment and philosophy: to be one of the leading banks in the granting of consumer loans through a simple, transparent and easy system.
Hugebank: How does it work?
Now your curiosity has stung you, and you think that requesting a loan online with this financial institution may be your solution. Let’s see how it works and how you can make your fast money request without complications to see if it really is an option that can fit you:
- Through its simulator you can calculate your credit fee. That is, if you need € 2,000 for the reform of your house or a trip to New York, you only have to choose how many months you want to pay your loan. Following the example, if the € 2000 we want to return it in 10 months, we will know immediately that the monthly credit fee will be € 230 per month. Remember that the minimum term to repay the loan is 6 months and the maximum 72.
- Fill out the questionnaire on the website: It is a simple questionnaire where you will be asked for personal data to evaluate your money request.
- In 48 hours the bank confirms the approval or denial of the loan, once they have received the information they have requested they will contact you to give you the answer.
- Dispose of the money quickly in your account: If your credit application is accepted in a short time you can have the loan in your bank account.
It is important to emphasize that the interests are fixed. They will not vary over time depending on the Euribor or other economic indexes. So from the beginning you know what interests you are paying and you have the peace of mind that you will not pay more over time.
In addition, Hugebank allows you to include a co-owner when you apply for your loan. Having this support is easier to request a larger amount of credit and better conditions.
Who can ask for a payday loan?
The requirements to apply for a loan are quite affordable for anyone. These are the conditions that you must meet in order to make your request.
- Be a Spanish citizen or resident in Spain.
- Be aged between 20 and 75 years.
- Not be enrolled in a list or registry of delinquents such as ASNEF.
- Have a payroll.
Once everything is formalized, Hugebank sends you a calendar with the payment days. This will be easier to remember and you can do a monthly plan, with the expiration dates.
Can I change the payday of the monthly fee?
If you can. And the first time is free having a margin of 30 more days. If you need to extend the payment more than once, you will have an additional cost. All the extraordinary costs or expenses, you can check them together with the commissions they charge for different services on their website, they are accessible to everyone. Transparency is one of Hugebank’s slogans.
There is also the possibility of being able to modify all calendar dates if the day does not suit you. For this purpose you should contact them directly.
How do I pay my fees?
At this point you have discovered that the requirements to apply for a loan are very low and the way to apply for your loan online is very simple, you will be wondering how you can pay your fees. Well, it’s as easy as making a transfer to the Hugebank account number of Salader Bank.
Are you starting to visualize your reform or your super trip? Asking your money in Hugebank is as easy as we are telling you. There are no last minute expenses, no small print. From the beginning you can organize with the repayment of your loan and choose the fee you want to pay. You do not have to face an economic situation higher than your possibilities.
You can see yourself in the situation that you are paying a loan and you will have an economic setback that you cannot face. In this company they know that it is something normal and it is a more everyday situation than it seems. This is why it gives you the option of being able to apply for a second loan. This will logically depend on the confidence and behavior you have had in the return of your previous installments. If you have returned them without problem and on the indicated days there will be no problem in being able to request a new credit.
In this case you should inform yourself about the refinancing. This operation involves replacing your loan with a new one. It is more advantageous since the interest on this new loan will be lower. With refinancing you can:
- Get additional loans.
- Decrease the amount of money from your fees.
- Repay loans you already have.
What if I can’t pay my monthly fee on time?
To avoid these types of situations, at the beginning they give you a payment calendar where they tell you which days you have to make the payments. If for any reason a month is impossible for you to do it on the corresponding date, you have to contact Hugebank to reach an agreement. Even so you should know that there is a penalty if you do not make the payment indicated. This amount will depend on the unpaid amount. In the conditions of your loan contract you can consult the expenses originated by default.
For this reason it is always better to avoid any default because the penalties are usually very high even if the payment delay has only been a few days.
What if I can’t pay my loan?
If by circumstances you see that you cannot cope with the payment of your fee, Hugebank gives you the option to reduce the amount of that fee. This is done by increasing the time period of your loan. This way, if you have to pay € 230 for 10 months, you can change it to pay for example € 180 for 15 months.
There is also the possibility of requesting a period of total or partial lack of your loan. To receive one of these two solutions, you need to contact Hugebank to find the best solution that suits your needs.
Can I return my loan early or partially cancel it?
If you want to repay your loan before the date indicated there is no problem. You have to call the manager Hugebank has assigned you to guide you in the amount you have to pay.
There is also no problem if you want to make a partial cancellation of it. You just have to indicate the amount you want to write off and the date, in a format that can be reproduced in writing and send it via email or post. Hugebank will make a new payment schedule with you and you will have to approve it within 7 days. If you do not accept it, the financial institution will make one without consulting you and you will have to comply with the payment dates.
Hugebank has the Online Trust seal through which it undertakes to follow and comply with an ethic in the service it provides. This, together with the commitment he has with his clients, the system so easy to request a loan and the transparency with which they work, have made Hugebank for so many years being a reference in the granting of fixed-rate money loans. From Topcréditos we think that it is a good option to request loans of greater amount than microcredits. With what we have told you, now you decide if this option fits you.