Monthly Archives: February 2019

Quick loans are waiting for you!

Shrek is a Spanish company that specializes in short-term personal loans. It has a wide network of subsidiaries so that its clients can get fast money anywhere in the country. Its objective is to assist its users with any financial problem that may arise, offering a cheap, fast and easy to obtain solution.

If it is the first time you request a loan in Shrek, the service is completely free, without commission, and you can get up to 300 euros with a return period of up to 30 days. On the other hand, if you are already a client of the company, you will be charged a minimum fee of 1.5% for cash loans, while the delivery by bank transfer is completely free.

With Shrek credits you can access financing of up to 1100 euros, with repayment terms from one week to 6 months. In addition, you can return your loan before the due date, and even extend it by 30 days for an additional deferral fee.

Your online platform has a loan simulator to calculate how your refund will be. For example, if you are a new customer of the company and you ask for an amount of 150 euros to be returned in 14 days, the calculator shows you on what date you must make the total payment of your credit. On the other hand, if you are already a Shrek user and you want to get an amount of 500 euros to return in 30 days, the amount of commission you must pay and the loan’s due date will appear.

Requirements to request a loan

Shrek online loans are available to apply on the web or at any branch. For this, you will need to comply with the following Shrek conditions:

  • You must be over 21 years old.
  • Have legal residence in Spain.
  • Have an identity document or NIE.
  • Have a bank account
  • Have a valid debit or credit card in use.

How to apply for an online credit?

Shrek loans can be requested immediately in three different ways:

  • Making a credit application in Shrek.es, completing the request with your personal data.
  • Communicating by telephone to the customer service center, where one of the available agents will help you complete the application.
  • Or personally, by visiting one of the available branches that you can find on the website.

Once the application is finished, Shrek will respond as soon as possible and you can receive the money in cash, visiting one of the branches after signing the credit agreement personally. If you are already a customer of this entity, you can choose to receive the money in cash or through a bank transfer.

In the event that your request is rejected due to a negative credit history or other inconvenience, you can make a new attempt after 60 days. If you consider that there was an error regarding the rejection of your credit, you can contact technical support so they can review the order again.

How to make the repayment of the loan?

  • You can pay your loan at any company headquarters with cash or your credit card.
  • You can also make a bank transfer to the account that appears on the company’s website.
  • Or you can contact the technical team of the company, to make the direct payment with your credit or debit card.

In case you do not make your credit payment on time, you will be charged 1% of each day on the total cost of the debt. To avoid this problem, you can choose to postpone your debt before it expires.

Customer Service

The company has a personalized attention service from Monday to Friday from 8 a.m. to 9 a.m. and on Saturdays from 8:30 a.m. to 3 p.m., by different means of contact:

  • By telephone communication.
  • Through email.
  • Through the online chat found on the web platform.
  • Personally in all its branches.
  • Through its Facebook page.

Benefits for your customers

Shrek rewards platform users who invite their acquaintances, family members, coworkers and friends, with 10 euros for each new client that accepts the invitation. You can summon them through an SMS, by email, or by sharing the link of the invitation found on the company’s page.

  1. First you must register your profile as a contributor.
  2. Then you have to go to the recommendation links that you will send to your contacts.
  3. Send the invitations.
  4. You will earn 10 euros for each guest who registers as a customer.

Opinions about Shrek

If you are still not convinced of the benefits offered by the company, you can know the experience of the users who recommended the platform:

Sara H: “I needed a quick and easy credit to get out, without having so many paperwork and procedures. This site was the best option to get a quick loan, and also the advice to its customers is excellent. I did not have any problem in making the payment of the loan and they answered all my doubts and inconveniences “.

Roberto J: “I recommended Shrek to my colleagues because I was amazed by the service they offer and I received a bonus that allowed me to access a new loan. The company not only benefits its users, but also operates with seriousness and transparency. “

Teresa P: “I made comparisons between several sites that provide online funding and Shrek was the best choice I could make. The service is very clear and simple, especially for beginners who never consulted for a loan on the web. His customer support service was helping me whenever I needed it, with a very clear explanation and excellent treatment. I will recommend this service without hesitation to all my acquaintances. “

Juan R: “I needed urgent financing to expand my business and through this portal I got exactly what I was looking for. Quick money, without commissions or small print, advice at all times with a very good disposition to help and explain the operation of the loans and the system of the website. Highly recommended”.

The best loan has arrived!

Currently this process, which before could take a long time and paperwork, has been simplified thanks to the online credit portals. And the question about what is Malfoy is part of it. We can say that Malfoy is composed as a portal of quick loans that you can request through the internet.

This company was born in the market a few years ago, particularly in the European market. It is considered an innovative financial company and an incredible growth, which allows you to obtain loans 24 hours a day, 7 days a week, through the Internet from the comfort of your home or wherever you are.

Loan requirements

In order to apply for the Malfoy loans, you need to comply with a series of conditions that we will detail below:

  • First of all you have to be of legal age.
  • You also have to be a resident of Spain legally.
  • You can not have financial debts, although Malfoy gives loans even if you are registered in the Ferb delinquency file, you can not be in that file for a debt contracted for another loan in a financial or a bank.
  • You must be the holder of a bank account in Spain.
  • Have a cell phone number
  • Have an e-mail box.
  • Finally, you have to have an income per month with which you can afford the costs and return the loan. It can be a payroll, subsidy, unemployment benefit, pension, etc.

How to ask for a loan?

Below you will see all the details on how you can apply for a loan Malfoy: The first thing to keep in mind is the amount of money you can request and when you have to return it.

  • In the first loan you can request an amount between 100 and 500 euros with a return period of 90 days.
  • From the second loan you can extend the amount up to 1,000 euros and the return period is up to 90 days.

Process

Now we come to the procedure to start with the loan application:

Step 1: The first step is to enter the website of Malfoy.es and select the loan information, that is, the amount you want to request and the expiration date.

Step 2: In the next step you will have to complete a form with your personal information and your bank details.

Step 3: From the company will analyze your application and in the case that it is approved you will have to verify your identity. Inform you by email or by SMS the result of your request.

Step 4: Finally, having completed the entire procedure, you will be given the money by a bank transfer. In this step it is necessary to clarify that the money will be deposited in minutes in case your account belongs to the banks Karina, Bystander, Dyesebel or Petunia. In the event that it is from another bank, the transfer will be effective within a period of no more than 24 hours.

Loan Costs

We come to the section in which we must mention what are the costs of these Malfoy loans, that is, their interests.

First of all we will give you good news, and that is that the first loan you request does not have any interest rate so you only have to pay the amount requested at the time of expiration.

From the second loan the interest will vary according to the amount and the expiration thereof. If you want to know the exact cost, you can use the simulator, placing the amount and the return period and there you will see the corresponding interests.

We will give you examples so you can have an approximation:

  • A loan with an amount of 600 euros: In a 61-day maturity it has an interest of 180 euros and with a maturity of 90 days it has an interest of 270 euros.
  • A loan with an amount of 700 euros: In a 61-day maturity it has an interest of 210 euros and with a maturity of 90 days it has an interest of 315 euros.
  • A loan with an amount of 800 euros: In a 61-day maturity it has an interest of 240 euros and with a maturity of 90 days it has an interest of 360 euros.
  • A loan with an amount of 900 euros: In a maturity of 61 days has an interest of 270 euros and with maturity to 90 days has an interest of 405 euros.
  • A loan with an amount of 1,000 euros: In a 61-day maturity it has an interest of 300 euros and with a maturity of 90 days it has an interest of 450 euros.

The loan repayment

The returns of Malfoy loans in Spain must be made within the stipulated period of the application to avoid the penalties charged for late payment. In the event that your default is for a period exceeding 30 days, after the expiration date, you will be included in the Ferb files.

Expiration extensions

If a problem arises and you can not return the corresponding money in a timely manner, it is best to request an extension of your due date; that is, an extension so that you do not become a defaulter and can keep your credit report positive.

In Malfoy you can request extensions with terms of 30 days, of course they have a cost and for your extension to be approved you must have previously paid the cost of it, calculated on the initial amount of the loan.

Opinions about Malfoy

Ernesto K: “Malfoy is excellent, very good loan portal, it is already the second I ask here and never a problem. Highly recommended. “

Sabrina J: “I love Malfoy, they always gave me the options I needed, I have already asked for 5 loans and I returned them all in a timely manner without major problems.”

Mariana H: “A friend recommended that I use a Malfoy when I had to buy my books from the university. The operation is excellent and has good characteristics. “

Carlos C: “I want to recommend Malfoy, I already requested two loans and they were very easy to return, the requirements are very low and the interests are super low. Greeting.”

The loan that you are looking for is right here!

Tinkerbell continues to grow and continues to add solutions and benefits. A remarkable feature of this financial institution is the practicality and simplicity of all its services, which you can easily access whether you are a client or not. The mission of Tinkerbell has always been to approach the market offering innovative solutions, and today we will expand information on the Tinkerbell loan service.

Is Tinkerbell reliable?

On the site of the company you can find all the information you are looking for. This banking entity is trusted because it operates under all the necessary regulations. More and more customers choose Tinkerbell services, and more than 80% of their customers recommend their services to friends and family.

What is the difference with the other loans?

At present, it is very common to hear about loans or online loans. While these types of solutions have many advantages, they also have disadvantages. For example, a personal online loan will not allow you to request more than a small amount, which usually hover around 300 euros. The terms are also short, since the financing is only 30 days, sometimes with weekly payments and sometimes in a single monthly payment.

What is Tinkerbell?

Tinkerbell work like a personal loan, like those granted by any bank, but they are more flexible, transparent, fast and have fewer requirements. This type of quick loans will allow you to access a larger amount of money with longer repayment terms and the possibility of accessing other Tinkerbell benefits.

What are the advantages?

Tinkerbell personal loans have many features that make them attractive, then we will name the most interesting:

  • You can choose the conditions of Tinkerbell
  • You can request your appointment online
  • Loans are granted fast
  • Higher amount and term to request
  • You do not have to be a client
  • You can finance any type of project

What type of commissions does it hide?

Tinkerbell do not hide any interests. That is one of the fundamental advantages of this type of loan, since requesting it will not cost study fees or opening fees. This means that you only have to pay the amount you requested plus the corresponding interest that will depend on the term and the amount you choose. With Tinkerbell loans you can stay calm and choose the conditions that suit you transparently, without tricks or cheating.

Is any kind of guarantee necessary?

No, they do not require any kind of endorsement. It is not necessary to sign a third party or put any good value as a guarantee of your solvency so you can apply for your loan. If you meet the requirements that we will mention below, it will be sufficient guarantee to request money through the Tinkerbell bank loans service.

How much money can I request?

As we have already mentioned, unlike other loans that you can request online, you have a greater amount parameter. You can request from a minimum of 3,000 euros to a maximum of 30,000 euros. Keep in mind that you should only ask for the value that you know you can return by calculating the fees with the virtual loan simulator.

What are the return periods?

The repayment term of Tinkerbell varies from 12 to 96 months, that is, from 1 year to 8 eights. The term you choose, along with the amount you choose, will determine the interest on your loan. For this reason it is a good idea to choose a shorter repayment term, since, for a shorter period, lower interest for your loan.

Is there any payment protection insurance?

If you wish, you can opt for a service other than payment protection insurance through an insurance policy service that will give you more peace of mind. This service is optional and will protect your payment in case you have problems. All your payments will be recorded in your account, however, for greater control, we suggest that you keep receipts of all payments.

What happens if I get late with a payment?

If you know that you can not make a payment on your Tinkerbell, you must contact them immediately before the expiration date of the fee that you can not pay. On the site you will find different ways to communicate and negotiate an extension of payment. If you do not give notice, you will incur a debt and you will also be subject to the payment of a fine for debt.

What happens if I’m not a customer?

If you are not a customer you can request Tinkerbell anyway. It is not a requirement that you be a client to access your loan and it is not a requirement that you pay the installments in an Tinkerbell account. You can receive the money in the account of any under where you have ownership without the need to change banks.

Which are the requirements?

To apply for your Tinkerbell bank loans by submitting the following documentation:

  • DNI IN FORCE (both sides)
  • Bank account receipt (any direct debit)
  • Proof of income (2 payrolls, last income statement or proof of pension)

How long will it take to receive my money?

You will receive the money from your loan within 96 business hours after signing the contract and submitting all requested documentation. The money will be credited to the bank accounts you have selected.

Looking for a loan? The search is over!

Gandalf.es is an online mini-credit portal that has a financing proposal that stands out among the offers of other similar sites. This company offers credits of 100 to 900 euros to be returned in weekly installments during a period of 13 or 26 weeks. Gandalf has a much more flexible return term than other fast loan portals. In general, these sites offer a maximum return period of 30 days.

The first loan Gandalf can be requested for an amount of 100 to 300 euros. As loans are requested and returned, Gandalf is increasing the maximum amount of financing up to 900 euros. This is another point that distinguishes Gandalf within the category of quick loans. Most online credit portals grant loans for a maximum amount of 300 or 500 euros.

The weekly installments of Gandalf loans are paid by debit card. If a payment can not be met, Gandalf grants 48 hours to resolve the situation. During this period, no fee is charged. After 48 hours there will be a charge for non-payment of 20 euros, Gandalf does not apply other additional costs for delay.

Credit requirements Gandalf

To be able to access the Gandalf loans it is necessary to fulfill the following conditions:

  • Be a Spanish resident of legal age
  • Have verifiable monthly income (can be a payroll, pension, unemployment insurance, etc.)
  • Be a bank account holder
  • Have a debit card
  • Have a personal mobile phone

Another characteristic that distinguishes Gandalf from other portals is that it grants credits even if it is not working. What is required is to have a monthly income, which can be a retirement, pension, unemployment insurance or other type of verifiable social benefit. This is a point that is mentioned frequently in the Gandalf opinions. Thanks to this requirement many people who could not get a credit in other portals managed to access the money they needed.

You can apply for a Gandalf.es loan even if you have a history of debt registered with Ferb. It only requires that it is not a bank or financial debt. The fact that the company provides credits with a debt history is another characteristic highly valued in the Gandalf opinions.

Gandalf loan application process

The credit application form is available at www.Gandalf.es. On the site you can access the simulator free loans where you can check the conditions that will apply to fast Gandalf credits.

  • In the first credit you can order between 100 and 300 euros. If you have already requested a quick credit with the company, the financing limit can reach a maximum of 900 euros
  • Gandalf has a return period of 13 or 26 weeks

Once the amount and duration of the loan is completed, the online loan form must be completed.

The data to complete in this application form are:

  • Full name
  • Document number or NIE
  • Birthdate
  • Email address
  • Home
  • Mobile phone number
  • Bank account (it is necessary that the applicant is the owner of the account)
  • Data of the debit card that will be used to make the payments

It is a prerequisite that the applicant of the credit is the owner of the contact telephone number. This is a condition that all microcredit sites share. You can not use the number of a family member or friend to request personal loans online. Although this seems like a minor detail, it is one of the main reasons why a request for funding is denied.

After sending the credit request, a Gandalf agent will contact the applicant by phone to confirm the data sent. Credit requests can be made 24 hours a day on Gandalf.es. However, the customer service department only operates from Monday to Friday from 9 a.m. to 7 p.m. In case of making an application after business hours, the company will contact you as of the next business day.

According to the Gandalf opinions, one of the main advantages of this portal is that it allows access to financing even if there is debt registered in Ferb or other similar organizations. Gandalf will also carry out a credit check of all the applications it receives. The company does not guarantee that all credit requests are approved, if in the credit analysis it is determined that the applicant is in a situation of insolvency, the loan will be denied.

When sending the credit request, Gandalf will perform a check of the debit card to confirm that it is active. This verification is done through a charge of 0.01 euros that will be returned to the applicant within 24 hours. The refund of the amount may take between 1 and 7 days depending on the return policy of the bank where the card is domiciled.

If the loan is approved, Gandalf takes between 15 minutes and 24 hours to complete the accreditation of the money.

Interest rate loans Gandalf.es

The interest applied will vary according to the amount requested and the return period chosen. In www.Gandalf.es you can consult the free loan simulator to see what conditions the loan will have.

We will analyze some illustrative examples of personal credits with different characteristics. It should be noted that the interest rate applied is different if it is the first request for quick money that is made or if you are already a customer of the portal.

Example 1

Loan of 300 euros to 13 weeks that is requested for the first time

  • Fees and interest: 167.09 euros
  • Total to be returned: 467.09 euros
  • Weekly payments of 35.93 euros
  • TAE rate: 2229%

Example 2

Loan of 300 euros to 13 weeks that an existing customer of Gandalf requests

  • Fees and interest: 130.69 euros
  • Total to be returned: 430.69 euros
  • Weekly payments of 33.13 euros
  • TAE rate: 1221%

Example 3

The maximum amount of financing granted by Gandalf is from 900 euros to 26 weeks. These loans are reserved for clients who have already requested and returned loans with the company

  • Fees and interest: 760 euros
  • Total to be returned: 1660.62 euros
  • Weekly payments of 63.87 euros
  • TAE rate: 1008%

The APR rate is an annual measure of interest. The repayment period of the Gandalf credits is of weeks, this makes the APR rate higher. Likewise, the APR rate applied to these loans is within the usual parameters for online mini-credit sites.

Loan repayment and arrears

Gandalf makes the monthly payments automatically by debiting the amount of the monthly fee of the debit card informed in the application form. In case of not having the necessary funds to make the payment, the company grants 48 hours to make the corresponding payment. During this period no additional charges are charged. If the 48 hours are exceeded and the payment was not made, the portal will apply a charge of 20 euros per delay.

Gandalf will send the credit holder 3 reminders of non-payment by email. In this instance, the company allows payments by credit card, debit card or bank transfer.

Once 5 unpaid weekly installments accumulate, Gandalf will proceed to make the loan advance resolution. This means that the holder must pay the total amount owed and the additional surcharges for non-payment.

Something very important to keep in mind is that not making monthly payments or paying late can have a negative impact on the credit history of the loan holder. This can mean that new credits can not be requested at Gandalf or other micro-credit portals. It is also possible that the debt is recorded in Ferb or another similar entity.

If you can not make the payments, the best option is to contact Gandalf to find a way to regularize the situation as soon as possible. The customer service department of the portal can be contacted by phone or through www.Gandalf.es.