Online payday loans that can be granted in Argentina
Complete and updated list of online payday loans that we can request in Argentina although we have a negative history in Veraz. You can request them in a few minutes and without paperwork and return them in flexible installments.
How to apply for a payday loan online
The reality in which we live means that more and more people must apply for loans for various reasons. A quick solution to obtain the money we need is to request a payday loan online. This type of loan is increasingly popular given the advantages that it has over traditional loans. If you still don't know much about these credits, you are surely wondering why they are so beneficial and how to apply for them.
The steps to follow to apply for an online loan are very simple:
- Choose a lender with our online comparator to find the best loans. You can filter by quantity and type, and order them by amounts and return period.
- Enter the chosen website and complete a form with your personal data. Some lenders will require that you first register on their page. This usually involves filling in your email address and creating a password.
- Request the amount you need and set the return period. You will see the minimum and maximum amounts and you will be able to choose the amount of installment offered by that particular creditor entity. Once you determine the amount and number of installments, you will know the value of each one with the applied interest rates.
- Awaiting confirmation by e-mail or text message. The lender will verify that your information is reliable in a few minutes and will contact you with an answer.
- If the answer is positive, within a maximum period of 24 hours, you will receive the requested money in your bank account.
Online payday loan requirements
The specific requirements for online loans vary by lender, however they will generally ask for the following:
- Be of age.
- Have an Argentine ID.
- Being a bank account holder and having a CBU number.
- Have a valid email address.
- Provide a phone number.
Other common requirements, depending on the lender, are demonstrable income and a length of work of at least 6 months.
Some may even ask you for copies of a service to verify your address.
payday loans without paycheck
If even if you are working, you do not have a salary receipt that guarantees your solvency capacity, now you can request a payday loan regardless of whether you do not have a registered job, or even that you do not have a job.
It is about requesting a type of loan online that does not need you to provide proof of salary receipt and a financing alternative available to all those who cannot present proof of their earnings.
However, this does not mean that the entities that grant this type of loan do not check the state of our finances, to ensure that we will be able to face their payment without problems.
For this reason, before hiring a payday loan without a paycheck, it would be advisable to compare and analyze what type of financing conditions they offer us. In this way, we will be able to choose the best option, bearing in mind the conditions we have signed.
Is it possible to get a payday loan with Veraz?
Being in the Veraz with a negative situation is generally one of the biggest impediments to getting a payday loan. However, many lenders grant loans online regardless of the applicant's delinquency. Of course, the amounts and the terms of return will be reduced a little, but you will be able to access good opportunities fulfilling some other requirements. All you have to do is use our comparator to find out which creditor delivers these credits.
It is very common for the lender that provides loans with Veraz to require some guarantee that you will be able to pay off the debt.
The most frequent requirements include:
- Have a credit card. In addition to the basic requirement of being a bank account holder, you may be asked to have a credit card in your name.
- Submit a guarantee. You can present a third party as collateral for your loan. This means that if you are unable to meet your financial obligations, the company will ask this person to answer for you.
- Offer a property title. Some entities allow you to give a material guarantee, such as a car or a house, and if you cannot pay off your debt, they will take possession of that property.
- Acquire life or surety insurance. Some lenders offer life and surety insurance, the amounts of which are returned with the loan installments. This means that they will have a guarantee in the event of death or that the loan repayment fees cannot be met.
Repayment of payday loans online
Returning the requested amount in a payday loan online is very simple. Typically, lenders use the CBU we have provided on the application to collect monthly amounts via automatic debit. In this way, they have the security of receiving the money from each installment every month.
However, they may offer other means of payment. Many creditors accept credit card payments and offer coupons to pay on extrabank networks, such as Rapipago or Pago Fácil. These means of payment are very useful if we want to go ahead and cancel our debt early.
In case you cannot afford a payment, it is best to contact the lender to try to reach an agreement and obtain an extension or extension of the installments.
If we consider the consequences for delaying payments, it is the most convenient option. A delay in a payment will mean that interest rates will increase with each passing day. In the long term, our debt will increase and we will have to pay back even more money.
Likewise, once 30 days have elapsed since a payment is overdue, the creditor will have the option to register our name in a delinquent file, such as Veraz, and even initiate legal actions to claim the return of the loan.
Being listed in Veraz will complicate our financial and commercial situation for at least five years. For this reason, contacting the lender is always the best solution, if we cannot face our debt.
What interest rates carry payday loans
Interest rates will be the main expenses that we will have to face. Although they may vary by credit institution, in general, the interest rates are as follows:
- Annual Nominal Rate (TNA) : It is the interest rate that the bank offers its clients and is calculated at one year.
- Total Financial Cost (CFT) with taxes : It is the final or actual cost of a loan that includes the interest rate and all charges and expenses associated with the loan.
- Total Financial Cost (CFT) without taxes: It is the final or actual cost of a loan that includes the interest rate and all those charges and expenses associated with the loan, not including VAT.
- Annual Effective Rate (TEA): It is calculated from the nominal rate and the number of interest payments and is used to compare the interest rates of loans with different number of periods in the year.
It is necessary to take into account that the interest rates will increase if we appear in the Veraz when requesting a loan.
In general, there are no opening costs, but you should make sure to carefully read the contract to make sure that there is no clause that increases interest rates considerably and to know if they will charge you a commission for requesting the credit. This information should be detailed in the total calculation of the amount that you will have to return. Also, it is likely that as a regular customer you will get discounts and benefits, such as better interest rates, extended repayment terms and the possibility of acquiring larger amounts, if you show that you can meet your financial obligations.
Regarding early cancellation, it is convenient to finish paying our loan as soon as possible if we have variable interest rates to be able to beat inflation. Also, if you have enough money to pay off the debt, it is best to finish paying it off. In this way, we will avoid any major inconvenience in the event of any unforeseen event.
Advantages of online personal credits
The main advantages of online payday loans are the following:
Convenience and speed. The first point in favor of payday loans is that you can request and receive them without even leaving your home. This means that with just one mobile device you will be able to access all the credits available online and you will not have to go to a commercial office to apply. On the other hand, you will not have to present papers or do long paperwork, since they have few requirements. This is associated with the speed with which they are requested and received. In a few minutes, you will complete a form and you will receive by email or text message the response of the lender after the verification of your data. If the answer is favorable, in the course of the day they will transfer the amount you have requested.
Multiple choices. Traditional loans are much more limited since they only give money to those who have a good credit history. In the case of online loans, appearing in the Veraz with a negative situation will not be an impediment to obtaining a credit. In addition, it is also possible to obtain a loan without formal employment. Different lenders offer many possibilities so that there are less inconveniences when it comes to receiving money.
Security. Completing the form with your online data is 100% secure since the information will be protected. On the other hand, the bank transfer does not have to worry about receiving the money in hand.
Loans available 365 days a year. Without time restrictions, you can request your loan at any time and from anywhere, just by having an Internet connection.
Amounts and returns. Online loans offer high amounts, up to $ 200,000, depending on the lender you choose. In addition, you will have return terms that range from six months to more than two years. Use the simulators of the creditor entities to know how much you can ask for and how much to return it to calculate the amount of the installments that you will have to pay