We can get financing with some mini credits even if we appear in a file of defaulters. There are lenders in the market who accept people registered in these files. If we need money in a few minutes, without endorsement or complications, these bad credit clearance loans will allow us to get the amount we need.
Mini credit with ASNEF
If we have already decided on the product that most interests us, we should know that the companies that sell mini credits with ASNEF will ask us to send a series of documents to complete the application. With these papers, the entity will be able to verify the information that we have previously contributed in the form. The minimums that they will ask us in most cases will be the following:
- Identification document. The DNI, NIE or passport will be essential to verify the identity of the applicant, show that he is over 18 years old and that he resides in Spanish territory.
- Bank statement. This document will allow the entity to know the account number to which the money will be transferred. In addition, you can verify that the owner of the same and the person requesting the mini-loan are the same person.
- Proof of income. Among the most common documents that we must provide is an official paper that proves that we have sufficient and regular income. This requirement will be essential if we want to get minicréditos with ASNEF without payroll that allow us to get the financing we need in the event that we appear in a file of defaulters.
Once the lenders have all these documents, they can begin to perform the analysis prior to the approval of our application to verify that we comply with the requirements established by the entity and that the information we have provided is true.
The company can also consult some databases such as ASNEF or CIRBE to have more complete information about the profile of the applicant.
Do you know how to hire online mini-credits if you are in ASNEF?
The hiring of mini loans stands out among other financial products because of its speed and the ease of its request. The mini cheap credits with ASNEF are just as easy to contract and we can start your hiring from this same page, following the following steps:
- Enter the amount that we want to request in the simulator of the chosen company and select the term that will allow us to face the repayment of the loan in the most comfortable way. With their simulators, we can know the total cost of the mini-credit with ASNEF before entering any other personal information.
- Fill out the application form with the personal and economic data that you require and provide the account number where the lender can make the money. This form will serve so that the entity can analyze our profile and decide if we are able to approve the credit.
- Deliver the required documentation to confirm our identity and avoid the fraudulent use of our identity as well as to confirm that the information detailed in the form matches those of the documents.
- Accept the terms and conditions of the contract that the lender will send us once they have approved our credit. It is important to read this contract carefully and sign only if we fully agree with all the clauses that appear in the document.
Once we sign and send the contract, the contract will be formalized and the entity will give the order to transfer the loan money to our account. Being an automatic process, the whole process will only last a few minutes, since both the pre-approval and the handover order are carried out instantly.
This you must put in the forms of the mini credits
To be able to enjoy a mini loan with ASNEF, most companies will require us to fill out an online form on the lender’s platform. This process is very easy and quick to carry out since the main objective of the entities is to offer quick money to their users. These are the most common data that entities will ask us for:
- Amount and term of reimbursement. Thanks to their online simulators we can know how much and when we will pay according to the quick money we request and the time we require of the mini credit.
- Personal and contact information. We will add our name, surnames, current residence address, telephone number and email in these forms.
- Economic situation. Related to the amount of income, type of remuneration (payroll, self-employed or pensioner) and other fixed expenses (mortgage, rent, loans …) etc.
- Employment situation. The type of work, seniority, rank, type of contract (partial, total, indefinite) or studies are some aspects related to this section and for which the lender can also ask us.
In addition to formalizing the application, these forms allow the entity to obtain the necessary information to perform the relevant analyzes and thus be able to grant us a pre-approval. These analyzes will only take a few minutes thanks to the automation of the processes.
Is it safe to hire a mini loan with ASNEF online?
Mini-credits with ASNEF online are safe to hire. However, due to the difficulty that many people find in these files to obtain financing, some companies have come up that try to deceive those who look for credits while at ASNEF. For this reason, it is important to make sure that we are facing a legal and safe mini-credit company:
They CAN NOT delete our ASNEF data
The only way to disappear from these files is to make the debt effective and that the company that registered us remove us from the list. We must doubt the entities and lenders who promise to eliminate us in exchange for “management costs” or “lawyers.” We must be especially cautious if we are in ASNEF. Fraudulent companies often take advantage of we to have fewer options to get financing to offer to finance when other entities have denied us.
NEVER send money in advance
For the minicréditos not charge us commissions, only the interests that have been generated and that we will always pay at the end of the term. Then, we must doubt the alleged mini-credit entities with ASNEF that require us to pay the commissions before giving us the loan. Also, in case they did, we should pay them once the requested money is in our account and never before. All the alleged companies that will ask us for money in advance will not be legitimate.
Review online security
The entities of minipréstamos with ASNEF have security protocols in their web pages that are visible to the naked eye to protect the data that we introduce when requesting them and that will help us to differentiate between the legitimate companies of the others. For them, we should simply check that the web address starts with https and contains a green padlock.
Leaving ASNEF is free
Many entities pass themselves through this file to eliminate our data or simply to consult them, asking us to call payphones and charging us for a service that the ASNEF website offers for free. To consult our data by contacting ASNEF we must do so through its official website and always through means that do not involve an additional cost.
If you have any doubt or suspicion, it is best to pause the application process until you are completely sure that we are dealing with a secure and well-known company that many users have already trusted.
When will I receive the quick mini-credits with ASNEF?
One of the main advantages of mini-credit with ASNEF is that, as the name implies, they are approved and granted very quickly. Although there are times when some factors will influence the speed and we can take several days to get it, specifically, two business days.
Money transfers between the same bank are made immediately. However, transfers between different entities can take several days even when the mini loans give the transfer order at the time they receive the signed contract. As the fast mini-loans entities do not have a checking account in each bank, if our bank is not among its collaborators, the money will take longer to reach our account. In order for our mini loan with ASNEF to arrive in a matter of minutes, we must choose a fast credit institution that works with the bank where we have our bank account.
With the free guide prepared by the experts of HelpMyCash.com “When the money will come from your mini-credit” we can know what factors affect the time it takes to make transfers of the money from the mini credits with ASNEF to our account and how to obtain the capital at the moment, even if we do it on a weekend or on a holiday. In addition, we will know the banking institutions with which each lender operates to know which of them we should go to if we want to have the amount we have requested in just a few minutes.
- Why your mini credit can take between minutes and days to transfer the money
- On what bank transfers depend
- How long it will take the money depending on your bank
- How to make the money from your mini credit arrive immediately
Give us your e-mail and we will send you completely free the guide prepared by the experts of HelpMyCash on all the tricks that you must know so that the money transfer of your mini credit is immediate.
It also contracts minicréditos with ASNEF without payroll
If we do not have a payroll and we also appear in a file of defaulters, we can use the mini-loans with ASNEF and without payroll, although it is more difficult to obtain financing. Some mini-credit entities will allow us to access financing provided that, in addition to the general and specific requirements for ASNEF, our alternative income to the payroll meets the following requirements:
- That we receive them periodically: we must receive this income on a monthly basis and on a regular basis. If it is temporary income or that they do not have a periodicity, they will not be considered valid to obtain financing. That is, if the entity anticipates that we will not have income at any time during the life of the loan, it will not consider our income valid.
- That they are sufficient in the limit that the lender establishes: the amount that we receive each month must allow us to face the reimbursement of the mini-credit with ASNEF without this implying an imbalance for our monthly finances.
- That we can justify them in an official way: it will be obligatory to deliver a document certifying that we receive sufficient and monthly income that allows us to face the reimbursement of the mini-credits with ASNEF without problems. The declaration of the VAT or personal income tax in the case of self-employed workers or pensions will be some of the justifications that the lenders will consider valid.
If our alternative income to the payroll meets these three conditions, they will be considered valid and we will be able to get mini credits with ASNEF without problems. However, if you do not meet one or more of these requirements, our request will not be considered valid.
Are the mini-loans with ASNEF worse off?
Mini-loans with ASNEF will never be more expensive than other mini-loans. As the private equity companies that grant mini-loans with ASNEF assume a higher risk, it is, to some extent, logical that we think that these products have a higher price than the rest of the online mini-credits in the market. However, the lenders will not charge us more for being registered in a file of defaults, since offering mini-credits with ASNEF is simply an advantage that does not make the service more expensive in any case. That is, it is not an extra service for which we should pay more money.
The average interest of mini-loans with ASNEF is also set at around 1.1% per day, although we can find offers with more or less high prices depending on the company we go to. This average cost does not change if the private equity company accepts people who are registered with ASNEF, since, as we have said before, it is not a service that has an additional cost.
Also, as with products that do not offer loans for people who appear on delinquency lists, there are mini-loans with ASNEF that will grant us financing at 0% APR, that is, free of charge. In this way, we can take advantage of these offers to obtain financing without costs, even though we are in ASNEF.
Are there mini loans with ASNEF that offer more money?
If we need more financing than mini-loans with ASNEF to offer us, there is another type of loan that accepts people registered in these files and that will allow us to obtain larger amounts: loans with mortgage guarantee.
This type of loans will allow us to obtain a much greater financing than that offered by the mini-loans with ASNEF, but they require a guarantee that it will be a property or a mortgage that is 80-90% paid. Also, we will not receive the money instantly, since we will have to wait several days for the entire application and concession process to be completed.
In any case, the house will serve as a guarantee of payment and will allow us to access more capital than we can get the mini-loans with ASNEF, specifically a percentage (which usually does not exceed 30%) of the current value of the house that we put as warranty. This type of financing has the added risk that by placing the property as collateral, we run the risk of losing it in case of default.
Another alternative, which is much more advisable if we do not want to put any good as collateral, is to make the debt effective so that our data disappear from the file and be able to request any type of financing that we want. Once our data has been eliminated it is as if we had never had an outstanding debt so we can obtain the type of credit we want without negatively affecting us having been in ASNEF.