Do you want money to do reforms at home or take that trip that you have been putting off for so long?
You have been wanting to do some home repairs for about a year but there is no way to save the money you need. Banks are making it more and more difficult for you to apply for a loan.
What if huge interests, too many procedures, many documents that you have to deliver and endless waits that always end in a ... I'm very sorry but the headquarters reject your credit application! Don't you think it's time to evaluate other options to get that extra money you need?
Where can I request a fast loan without waiting?
BigBank is one of the best options you can find. It is a bank that since 1992 has been granting personal loans and time deposits. You can get from € 500 to € 10,000 in a quick and easy way, with a return period of 6 to 72 months. Its headquarters are 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 United States.
From their Missouri office they offer personal loans, as well as from their website or through their telephone banking service. Having been providing economic services to people for so many years reflects the company's commitment and philosophy: to be one of the leading banks in granting consumer loans through a simple, transparent and easy system.
Bigbank How does it work?
Now your curiosity has piqued you, and you think that requesting a loan online with this financial institution can be your solution. Let's see how it works and how you can request your money quickly without complications to see if it really is an option that can suit you:
- Through its simulator you can calculate the installment of your credit . In other words, if you need € 2,000 for the reform of your house or a trip to New York, you only have to choose in how many months you want to pay off your loan. Continuing with the example, if we want to return the € 2000 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 in the questionnaire on the website: It is a simple questionnaire where you will be asked for personal information to evaluate your request for money.
- 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.
- Get the money quickly in your account: If your credit application is accepted in a short time you will be able to 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 indices. In such a way that from the beginning you know what interest you are paying and you have the peace of mind of knowing that you will not pay more over time.
In addition, BigBank allows you to include a co-owner when you request your loan. Having this support it is easier to request a greater amount of credit and better conditions.
Who can ask for a loan?
The requirements to be able to request 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 the United States.
- Be between 20 and 75 years old.
- Not be enrolled in a list or registry of defaulters such as Credit Checker.
- Have a payroll.
Once everything is formalized, BigBank sends you a calendar with the payment days. This will make it easier to remember and you can make a monthly planning, with due dates.
Can I change the payment day of the monthly fee?
If you can. And the first time is free with a margin of 30 more days. If you need to extend the payment more than once, you will have an added cost. All the extraordinary costs or expenses, you can consult them along with the commissions that they charge for different services on their website, they are accessible to everyone. Transparency is one of Bigbank's mottos.
There is also the possibility of being able to modify all the dates of the calendar if the day does not suit you. For this you must contact them directly.
How do I pay my fees?
At this point where you have discovered that the requirements to apply for a loan are very low and the way to request your loan online is very simple, you may be wondering how you can pay your installments. Well, it is as easy as making a transfer to the Banco Santander's BigBank account number. In the payment concept you must indicate your name + contract number + contract reference number.
Are you starting to visualize your reform or your super trip? Asking for your money in BigBank is as easy as we are telling you about it. There are no last minute expenses, no fine print. From the beginning you can organize yourself with the amortization of your loan and choose the installment 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 an economic setback arises 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 applying for a second loan. This will obviously depend on the confidence and behavior you have had in the return of your previous installments. If you have returned them without problem and in 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 consists of 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.
- Reduce the amount of money in your fees.
- Repay loans you already have.
What if I can't pay my monthly payment on time?
To avoid this type of situation, at the beginning they give you a payment calendar where they indicate which days you have to make the payments. If for any reason one month it is impossible for you to do it on the corresponding date, you have to contact BigBank in order to reach an agreement. Even so, you should know that there is a penalty if you do not make the indicated payment. This amount will depend on the unpaid amount. In the conditions of your loan contract you can consult the expenses originated by non-payment.
For this reason it is always better to avoid any non-payment since the penalties are usually very high even if the payment delay has been only a few days.
What if I can't pay my loan?
If, due to circumstances, you see that you cannot pay your fee, BigBank gives you the option to reduce the amount of that fee . This is done by increasing the time period of your loan. In this way, if you have to pay € 230 for 10 months, it can be modified to pay, for example, € 180 for 15 months.
There is also the possibility of requesting a total or partial grace period for your loan. To take advantage of either of these two solutions, you need to contact BigBank to find the best solution that suits your needs.
Can I pay my loan back early or partially cancel it?
If you want to repay your loan before the indicated date there is no problem. You have to call the manager that BigBank has assigned you to guide you on the amount you have to pay.
There is also no problem if you want to make a partial cancellation of it. You only have to indicate the amount you want to amortize and the date, in a format that can be reproduced in writing and send it via email or post. BigBank will create a new payment schedule with you and you must approve it within 7 days. If you do not accept it, the financial institution will carry out one without consulting you and you will have to comply with the payment dates.
BigBank has the Trust Online seal through which it undertakes to follow and comply with ethics in the service it provides. This, together with the commitment it has with its clients, the easy system of requesting a loan and the transparency with which they work, have made BigBank a benchmark in granting fixed-installment money loans for so many years. From Addamo Credit we think that it is a good option to apply for loans of a larger amount than microcredits. With what we have told you, now you decide if this option fits you.
However, you may want to check other options to compare, we recommend:
Summary: Home renovation, travel, studies, whims, car, motorcycle ...? Any project you want you can finance with Bigbank. Quickly, without commissions or paperwork. Request your fast credit online and start shaping your project.