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Loans and credits with credit institutions

Loans and credits with credit institutions

Do you need fast and immediate money? Have you tried applying for a loan online, and you have not been accepted for being listed in credit institutions?

We would love to help you make the best decision regarding your loan application with credit institutions and, for that reason, we have devised the Bankate service.

The purpose of this page is to provide you with the following information:

  • What are the loans with credit institutions?
  • What are your financing options if you are registered in credit institutions
  • How Bankate can help you get your loan online with credit institutions
  • The consequences of being in credit institutions
  • Tips on how to exit this registry as soon as possible.
  • Many other options such as microcredits or mini-loans, personal loans, fast and unsecured loans being in credit institutions and term loans with credit institutions.

Online loans with credit institutions as an alternative

Online loans with credit institutions as an alternative

Maybe you think “I need fast money but I’m in credit institutions.”

What I can do?

If, unfortunately, your name appears on a delinquency list, such as credit institutions, RAI, Experian or Equifax, your chances of obtaining financing by a lender will be much more limited.

In fact, most traditional banks will reject any type of loan or credit application if the applicant is in a situation like this.

Luckily, apart from traditional banking, there are other alternatives with which it is possible that you can get an online loan without paperwork at all times regardless of being listed on a non-payment list and without questions.

Online loans with credit institutions can be a good choice for those people who have seen all their loan applications rejected by traditional banks.

With online lenders you will be able to get fast money at all hours while being in credit institutions, although surely with a higher interest rate.

Another option you have open is to ask for mini loans with credit institutions with which you can pay immediate contingencies with a not very high amount of money and with a competitive interest rate. Asking for a microcredit has never been so simple.

However, from Bankate, we recommend that you first settle your outstanding debts and get up-to-date with payments to later request a loan again.

Avoid applying for a larger loan to pay another payment you have pending.

Paying off an outstanding debt with a new loan may be too risky. In addition, you could enter a spiral in which the interest of your new loan will continue to increase more and more.

Can I trust Bankate for my credit with credit institutions?

Can I trust Bankate for my credit with credit institutions?

Bankate has several years of experience in the Spanish credit market and is responsible for comparing lenders and financial products online, such as online loans on the spot, loans without payroll… and many more!

Our service was born with the idea of ​​bringing the financial market closer to our users, making it easier and more transparent.

Therefore, we not only present all the conditions, characteristics and requirements of each online loan, but also the most negative part: its disadvantages and information about hidden costs or additional fees.

The Bankate service is free, and your microcredit with credit institutions will not be more expensive or you will pay more USD if you request it through our website.

Bankate is a registered company, which complies with strict privacy and data storage policies, as well as current regulations regarding financial services. We don’t care if you’re in credit institutions.

Thus, you can be sure that the service we provide to you is totally safe and reliable, as are the financial entities shown in our updated loan list, as we personally take care of evaluating your customer service.

Bankate is currently present in 12 countries, and this expansion is possible thanks to the satisfaction of our customers and the trust placed in our service.

To learn more about our service or have questions, you can visit the Bankate page. If you want to know more about our terms and business model, we invite you to read more in our commercial notice.

Personal loans with credit institutions, what are they?

Personal loans with credit institutions, what are they?

A loan with personal guarantee implies that the only guarantee of payment is the person of the applicant, their income and present and future assets.

Being so, for any traditional bank, being included in credit institutions or another delinquent record implies the rejection of any request for financing due to the default risks assumed by the banks when lending money.

Personal loans with credit institutions are, in this way, unlikely to be obtained with traditional banking entities, because it is associated to be listed in credit institutions with the fact of being insolvent.

However, in reality this does not matter: a person can be listed on a delinquency record and be financially able to deal with a personal loan with credit institutions.

Fortunately, online loans have emerged with the aim of helping solvent people get easy personal loans with credit institutions, quickly and available 24 hours.

In addition, it does not matter that you have contracted several debts at the same time, many of these online lenders offer the opportunity to reunify your debts so that you ask for a larger amount to pay all your debts, paying only a monthly fee, without complications.

Frequently asked questions about loans with urgent credit institutions

What is the credit institutions delinquent list?

The National Association of Credit Financial Institutions has compiled all user defaults. The lenders will search if your name is registered in the most popular delinquency file in Spain.

What does it mean to be registered in the delinquent registry?

Basically, if you are enrolled in credit institutions it is because you have not paid an invoice and you have outstanding debts. This is going to hurt you when asking for financing in banks but, fortunately, lenders such as Bankate offer loans with credit institutions.

Will loans with credit institutions be more expensive?

When evaluating your loan application, financial institutions will evaluate the risk of user default. The higher the risk of default, higher interest payable.

Which banks grant loans with credit institutions?

Today, online financial institutions offer loans with credit institutions. The only disadvantage is that they will be a little more expensive than personal loans.

What does it mean that credit institutions does not matter in personal loans?

It means that despite being registered in the delinquent file, you will have the door open for urgent money thanks to the financial institutions that offer loans with credit institutions.

How to apply for credits online with credit institutions

How to apply for credits online with credit institutions

Time needed: 15 minutes.

We explain below how you can apply for credits online with credit institutions completely online

  1. Look at the options we offer in our list

    In the Bankate list you will find several lenders that offer loans with credit institutions. Read the characteristics and details of each product carefully.

  2. When you have decided on one, click on request

    You will be automatically redirected to the presamist website. There, you can start the application by filling out the form with your personal and financial data.

  3. Receipt of the contract

    Once the application is submitted, the lender will make a risk assessment of default. If you see that you can return the loan money, the contract will be sent to you via e-mail.

  4. Signing of the contract

    Read the contract terms in detail and, if you agree with the conditions, sign the contract and resend it.
    You will receive the money in a few minutes in your bank account.

What is a delinquency list?

What is a delinquency list?

The term late payment implies not being aware of the payments of your obligations and debts.

The delinquency lists bring together all those people who have ever breached a payment obligation, regardless of the value of the debt.

All traditional banks and the vast majority of private lending companies collaborate with these listings and consult them before granting a loan, any other type of financing or even before accepting a client.

The main delinquency files in Spain are credit institutions and RAI.

Find your loan online with credit institutions with Bankate

Find your loan online with credit institutions with Bankate

We fully understand that forming a general idea of ​​all the offers on the market can be not only difficult, but also a slow process and a great consumption of your time.

That’s where Bankate acts, making it easier for you to compare the financial services offered by the various lenders.

Bankate as an online loan comparator, helps you find the online loan that best suits what you are looking for, without looking at whether you are in credit institutions.

Our service will show you a completely updated list of loans, in which the most relevant loans from more than 30 online financial institutions have been compiled, as well as all the terms and conditions.

In our list you can find information about the different banks that offer loans, the amounts, the loan conditions, their interests, the APR and the requirements, so you can avoid exorbitant interests and unpleasant surprises.

In Bankate we take care of detailing the advantages as well as the disadvantages of each loan, informing you about the interest rate, without small print, so that you have the possibility of requesting your loan with credit institutions easily and with the best possible conditions.

In addition to being fast, simple and non-binding, our service is completely free.

Quick loans with credit institutions, get urgent money

Quick loans with credit institutions, get urgent money

If you are in a situation where you need to have urgent money, such as 1,000 or 2,000 USD, traditional banks do not represent a good option since the probability that you can obtain financing can be very limited when listed in credit institutions. In addition, the loan application process will be considerably extended.

If you apply for a loan to traditional banks, you will have to provide a large amount of information and paperwork about your economic situation, assets and properties, without being sure that it will be approved and make many arrangements by phone.

Fortunately, today there are multiple private equity banks that offer quick loans and loans with easy credit institutions, evaluating your application at the moment.

The online financial institutions offer loans with immediate response and fast credits with credit institutions, so you will have the possibility to know if the loan requested has been granted in just seconds after having made the request.

If your application is approved, you can have your fast credit money with credit institutions in question in about 10 minutes.

Keep in mind that these types of financing options may contain very high interest rates due to the risk of default that is assumed by the entity and the limited time for approval of your application.

However, due to the recent expansion of the credit market and the great competition that this entails, online financial institutions have begun offering the first free loan with credit institutions.

Contract micro loans with credit institutions despite appearing in delinquent file

Contract micro loans with credit institutions despite appearing in delinquent file

Depending on your economic profile, you may have to limit your search to specific loans, since many financial institutions do not approve the requests of people who are going through a sensitive personal and financial situation.

However, more and more entities offer solutions such as microcredits online with credit institutions for people on a non-payment list.

There are many offers available in the online credit market with credit institutions, which approve loans for those who are listed in a delinquent file.

You can compare the best personal loans in the market using the list of loans that Bankate provides you.

Are loans with credit institutions more expensive?

Are loans with credit institutions more expensive?

In the current credit market there are great possibilities of obtaining a loan while being registered in credit institutions.

However, when a financial entity analyzes your request and decides to lend you money, it evaluates the risk of default associated with the loan. The higher the risk, the greater the interest to be repaid later.

For that reason, applying for a loan with credit institutions is usually somewhat more expensive than applying for a loan with a good credit history.

Mini loans with credit institutions

As far as mini loans are concerned, the probability of finding online financing with credit institutions is much higher.

Remember that the chances of finding your loan while being registered in a delinquent list are much greater the smaller the amount requested.

Mini loans with credit institutions, are a very popular solution by people who are currently in credit institutions or any other similar registry.

A mini loan with credit institutions is, in this way, the easiest way to get some money to face an unexpected payment.

In this case, there are several options to request not very high amounts at a very competitive interest rate, which will allow you to obtain a quick money with a mini loan with credit institutions or credit with credit institutions even though your name appears in a list of non-payment

Loans with credit institutions and with payroll

Loans with credit institutions and with payroll

Applying for a loan with credit institutions with a payroll is getting easier.

Unlike traditional banks, online financial institutions are not interested in non-payment lists, as long as you can show that you are able to repay your loan.

A payroll is usually more than enough for your loan with credit institutions to be approved, as it represents a proof of regular income that will allow you to return your loan without problems.

In Bankate we present a large number of options, such as online credits with credit institutions, with which you can borrow with credit institutions with your payroll.

Loans with credit institutions without payroll and without collateral

Loans with credit institutions without payroll and without collateral

As for getting a loan with credit institutions without payroll or collateral, the situation becomes a bit more complicated. However, it is possible to obtain financing by finding yourself in this situation thanks to the growing appearance of online entities.

In this case, financial institutions require certain conditions, such as that your debt listed in credit institutions does not exceed € 1000 so that your loan without collateral or credit with credit institutions is approved, or that the debt in question is not bank.

However, these requirements will depend on the financial institutions to which you apply for your loan.

Additionally, there are entities that do not put any such requirement for the granting of your loan without payroll or collateral, although with quite high interest rates, even reimbursing even double the amount received.

credit institutions mini-loans without payroll

credit institutions mini-loans without payroll

Many online financial institutions are convinced that appearing in credit institutions or another list of defaulters, such as RAI, should not be an obstacle to requesting a loan.

In short, appearing in a delinquent file does not imply that your application will be rejected, contrary to what happens with traditional banking.

The most popular loans in this situation, and perhaps the most convenient for people included in credit institutions, are the mini-loans with credit institutions and without payroll that some private equity companies sell as well as loans with credit institutions.

These products allow to obtain amounts of USD not very high immediately, despite not receiving a salary.

Mortgage loans with credit institutions

Mortgage loans with credit institutions

In case you face a specific moment and need a lot of money, applying for a home equity loan may be the optimal solution to obtain the financing you need.

Private financial companies are not under the same regulations as traditional banks, so they can lend you money like credits with credit institutions, even if you have outstanding debts listed in a delinquent record.

These entities grant home equity loans (real estate, cars, etc.) to which they can be easily released in the market.

In this way, presenting as a guarantee a high value property, such as your car, you can get a high amount of money quickly.

However, before hiring a mortgage loan, we must be sure that we will be able to meet the payment.

This is something very important because, in case you cannot pay your loan, the property presented as collateral may be seized with the objective of paying off your debt.

Loans with credit institutions without properties

Loans with credit institutions without properties

In the event that you do not own properties in your name that can be used as collateral for your payment, such as real estate or vehicles, the solution involves requesting a loan without collateral from a financial institution.

Most traditional banks will interpret the fact that you do not own property as proof of your insolvency, that is, they will argue that not owning this type of property proves that your economy is not good and therefore you will not be able to face the reimbursement of your loan

However, online financial institutions offer you different options with which you can obtain money easily without owning such properties.

We must bear in mind that the ease with which your loan application can be approved depends on the amount you wish to request : if the amount to be received is not very high, the request for a microcredit with credit institutions would be a good option, which will be approved much more likely.

Installment loans with credit institutions

Installment loans with credit institutions

The vast majority of financial institutions that grant loans with credit institutions and online loans with credit institutions, will request that you repay your loan within 30 days to a few months, especially if the amount requested is not very high.

However, there are online financial institutions that offer loans with credit institutions with a more extended repayment term, being able to be repaid within several months.

However, we must bear in mind that, the more terms we extend the repayment of our loan, the more money we will have to repay at the end since the interest may be greater.

On the other hand, if what you need is to extend your loan repayment a few days due to an unforeseen event, some financial institutions grant extension extensions for an additional deferment charge.

Fast loans with credit institutions without paperwork

Fast loans with credit institutions without paperwork

The current credit market also offers a variety of loans with credit institutions and credits with credit institutions that are presented as fast credits without paperwork.

Loans of this condition do not require payroll or collateral, and generally do not require more documentation than the applicant’s ID.

In addition, due to the innovative system they use to evaluate the credit application, the user can dispose of their money in 15 min, without providing documentation.

However, these loans, in addition to having somewhat higher interests, offer amounts that generally do not exceed € 500, and must be repaid in a short period of time, which varies from 30 to 80 days.

It is necessary to take into account before requesting an online credit that does not require any type of proof of solvency, that normally these types of credits usually have a higher interest rate.

The main reason?

The risk of default that the lender takes when not requesting any document that verifies that the applicant will have the ability to meet the monthly fees.

What is credit institutions?

credit institutions, the so-called list of defaulters, is, together with RAI, one of the most used non-payment lists or records in Spain.

Both conventional banks and online lending companies consult delinquent records, for example, credit institutions, when assessing the risk of default associated with lending money.

If your name appears in one of these delinquent files, conventional banks conclude that you are not in a good economic situation and, therefore, you may not be able to meet your financial obligation and meet your loan installments.

As a consequence, traditional banks have the rule of not granting requests for financing if they appear in, for example, credit institutions.

Fortunately, there are services that offer loans online, even if you are in credit institutions.

How can I end up included in credit institutions?

How can I end up included in credit institutions?

If you wonder.. How do I know if I am in credit institutions? Here you will find useful information.

Being part of a delinquency record such as credit institutions is easier than it seems.  

You do not need to be insolvent, or a large debtor with a large amount of outstanding payments. Simply, it is enough that you do not pay any bill, for example, mobile, electricity, gas, etc. Regardless of the value of it to enter a list as credit institutions.

In case of default, you automatically become delinquent for your bank, the different companies and the Administration.

When there are cases of misunderstandings or invoices returned, the Spanish Agency for Data Protection requests that certain requirements be met so that you can be included in a delinquent file.

Thus, for you to be included in a non-payment record, a series of requirements must be met, for example:

  • That it is a true and unpaid debt.
  • A written notice to the person responsible for the debt of its inclusion in the list.
  • The prior grant of a period of 30 days to settle the debt before it is included.

Therefore, from the moment you receive the written notice, you will have one month to pay your debt.

If during that month you are not able to repay the debt, you will become part of the delinquency record (for 6 years in the case of credit institutions).

Ideally, do not wait for this to happen: from Bankate we have prepared a guide to help you with your personal finances.

Consequences of appearing in credit institutions

The consequences of appearing in credit institutions are not immediate, although they are quite serious.

The law sets deadlines for creditors to begin recovering the debt by judicial means.

For example, in the case of the mortgage, it is sufficient to default three consecutive installments so that your file is referred directly to the legal department of your bank.

The recovery of a debt by judicial means is the last stage of the process in case of default and the outcome can be disastrous.

In most cases, the process can end with the seizure of property and property, or the payroll of the debtor.

Being in credit institutions makes access to financing difficult

While your name appears in a delinquent file, your chances of getting a loan will decrease significantly, making access to financing very difficult.

For example, it will not be possible to obtain a credit card while you are listed in credit institutions.

In the case of traditional banking, as we have said before, it will be practically impossible for you to obtain a loan.

Not only because of the consequences that can be triggered if your default situation is finally brought to trial, but because of the intrinsic consequences of being included in the delinquent listings, falling back into a default situation is something that certainly does not suit you in any way.

Following the situation of the financial crisis, certain traditional banks will not even allow you to open a checking account or access a savings product by being registered in a list of debtors.

In this situation, you have the possibility of trying to leave the default register, although it is a difficult process and it takes a lot of time and paperwork.

With credit institutions, your financing possibilities are limited

Although there is a wide variety of financial institutions in the online credit market that offer you loans with credit institutions, and increasingly, your chances of obtaining a loan are limited.

The process of finding a loan with credit institutions can be very difficult and quite slow, so you must be patient and spend as much time as necessary on your situation.

In addition, you should keep in mind that your chances of getting financing decrease the higher the amount you want to request.

Finally, in case you get a loan, when your name appears on a list of delinquents, the interest will be higher.

How to exit credit institutions

If you wonder.. How to get rid of credit institutions? Here we inform you.

Although it is very easy to become part of a list of delinquents, it is not so much to abandon such delinquent records.

Generally, if you repay the debt, the company has the entire obligation to delete your credit institutions information on the same day.

However, the process of deleting your data can be extended up to a month due to the necessary procedures and the bureaucracy involved in removing your name from the registry.

Once your data has been deleted, companies have the obligation to delete their records, so it will be as if you had never been registered on the list.

6 conditions you must meet to leave credit institutions

credit institutions undertakes to delete your data from its file and not leave a trace of your inclusion in it, if any or several of the following conditions are met:

  1. The debt has already been paid.
  2. The debt is older than 6 years.
  3. You have not been notified in writing of the inclusion in the file.
  4. The amount to be paid is not real or you are not happy with it.
  5. The claimed debt cannot be demonstrated.
  6. The debt is not relevant or they have supplanted your identity.

However, we must bear in mind that the reality is very different.

There is evidence of people who take years to disappear from credit institutions, even though their debt has already been paid; people who remain on the list even if they have not been notified in writing, and even some who have never had a relationship with the companies to which the debt is attributed.

The best solution is to try to pay all our debts on time so as not to be included in credit institutions.

In summary…

After reading this page, you should remember that:

  • You can take out loans on the Internet even if you are included in a delinquency record, such as credit institutions.
  • The loans with credit institutions have very high interest associated due to the risk of default taken by the entities.
  • If you need a large amount of money, but you are in credit institutions, you can apply for a home equity loan.
  • Conventional banks consult credit institutions when they evaluate the risk associated with lending you money, so they usually reject your request.
  • Being in credit institutions makes your access to financing very difficult, but there are alternatives online.
  • It is possible to leave credit institutions if you return your debt, and it will be as if you had never been registered.