The Best Urgent Loans in Comparison

Urgent loan with immediate payment

Urgent loan with immediate payment

You can quickly and easily bridge a financial shortage with an urgent loan . Even if you want to make a short-term purchase, the express loan is the fastest way to get up-to-date on the required sum. The processing is straightforward and the disbursement of the loan amount is usually immediate, so that the money needed is quickly at your leisure. In this article you will learn what an ExpressCredit is, what advantages and disadvantages are associated with this type of credit and how the transaction is structured.

What is an ExpressCredit?

What is an ExpressCredit?

The express loan is characterized by the fact that it is processed like a normal installment loan, but the processing and payment is very fast, which is why an urgent loan with immediate payment is spoken. After the positive credit decision, the loan amount is transferred directly to your account and it is possible to receive the money within 24 hours after the application. Your loan application for the urgent loan arrives immediately after the application for control by the bank. After the release, the urgent loan will be paid out immediately. If the application is submitted before 12:00, the money you need is usually in your account on the same day. The express loan is not earmarked. This means that you do not have to explain or justify what you need the money for.

Features of an urgent loan with immediate payment

  • Timely processing and review of the loan application
  • immediate payment after approval
  • no earmarking

How does an urgent loan with immediate payment work?

How does an urgent loan with immediate payment work?

Because the loan is processed directly online, you usually receive a loan approval or rejection within minutes. If the express loan is approved, the money can be quickly available in your checking account via express transfer if the lender offers the special express option . However, for the immediate payment higher fees are due, which vary from provider to provider. If you rely on a conventional installment loan, the processing time can take several days. With a normal processing time, it takes an average of 5-7 days for you to dispose of the money. The immediate payment loan is possible through new techniques in the legitimacy check.

Timely Video Identification

Timely Video Identification

In the past, it was necessary to carry out the post-identification procedure at a post office. Today Video-Ident offers a direct way to verify the required documents after requesting the emergency loan via video telephony. With SEPA, a Europe-wide standard has been laid down, with which transfers can be processed more quickly. Video identification and the possibility of express payment create the conditions for an urgent loan with immediate payment . You need a stable internet connection for video telephony. You can use a computer with a webcam or a smartphone with a front camera for the video identification procedure. Next is the video telephony with appropriate software (eg Skype) possible.

Requirements for an urgent loan with immediate payment

Requirements for an urgent loan with immediate payment

You should have all the necessary documents ready when you need an emergency loan. To use the video telephony, special hardware is needed. After completing the online application, you must present the front and back of your ID card for verification, provide proof of a fixed monthly net income and permanent residence in Germany, as well as the completed and signed loan application.
You should meet the following requirements if you apply for an urgent loan:

  • Minimum age 18 years (21 years for some providers)
  • fixed monthly income (amount varies from provider to provider)
  • ID card and German bank account

Computer with webcam, smartphone and corresponding hardware
The lenders have different business hours. If, for example, you make a loan application on a weekend or a public holiday, you will not be able to disburse the loan amount until the next working day. In order to receive the payout on the same working day, you must be aware of the deadlines of the provider in which the documents must be signed and sent. The identification by video telephony must be completed. As a rule, these periods are between 13 and 15 o’clock.

ExpressCredit without private credit with immediate payment

ExpressCredit without private credit with immediate payment

In order to be able to evaluate the credit rating, a private credit query is carried out for all providers. If you have hard characteristics, you will not get a quick loan from many providers. Some lenders, such as viloan and Instacash, offer the no-private credit loan with immediate payment. viloan and Instacash evaluate the creditworthiness of an applicant according to their own criteria, which is why an emergency loan is possible if a private credit entry exists. Instacash also offers the possibility to receive an urgent loan with a negative private credit entry.

What are the costs for an urgent loan loan?

What are the costs for an urgent loan loan?

The option of express payment includes the promise that the approved loan will be paid on the same day. For some providers it is possible to make a transfer within 30 minutes. This express option incurs additional charges that increase the cost of the loan. The costs of express processing vary depending on the provider and usually amount to 10-30 €. For the flash transfer you pay between 25-50 euros in addition.

ExpressCredit: What do I have to keep in mind for the loan to be paid out within 24 hours?

ExpressCredit: What do I have to keep in mind for the loan to be paid out within 24 hours?

You should be prepared for the urgent loan to be paid out to you within 24 hours. You will need your identity card, proof of income and the technical requirements to complete the Video Ident procedure. The application can only be processed quickly if all necessary documents are available. If you also book the express option, the process and payment for the ExpressCredit are additionally accelerated. Remember that the lender needs all the required documents. If only one proof is missing, this can prevent the timely payment.

Who offers an urgent loan with immediate payment?

Who offers an urgent loan with immediate payment?

The companies Instacash, ExpressCrediter, viloan meelending and the Camibank Direct offer one
Urgent loan with immediate payment . Below is a brief overview of each provider.

Instacash

Instacash specializes in urgent loans. The amount of the loan is Instacash between 100 – 3000 euros with a duration of 7-180 days. As First customer the maximum loan amount for the urgent loan with immediate payment is 500 euros. With the option “Boni +” Instacash also offers an urgent loan immediate payment despite private credit with medium credit rating. This option will incur additional charges equal to 10% of the loan amount. With the express option, you can get the money paid out on a positive credit decision within one working day. Instacash uses a special Ident method so that the money will be deposited into your checking account within 30 minutes. Instacash calculates an additional 39 euros for the express option.

ExpressCredit

As a new customer ExpressCrediter offers you an urgent loan with immediate payment of 50 to 500 euros. Existing customers receive an urgent loan up to 1500 euros. The repayment term is between 30 and 62 days. The unemployed, students, trainees and students can also receive the urgent loan with immediate payment. The minimum age for an ExpressCredit is 18 years. The requirement for ExpressCrediter is proof of permanent residence in Germany. The credit decision is made within 60 seconds and the identification can be done online with Verify-U or Postident. The Dackcredit immediate payment despite private credit is possible, but depending on repayment behavior and score.

Viloan

viloan offers customers an urgent loan with immediate payment of between € 100 and € 600 with a term of 15, 30 or 60 days. New customers receive a maximum ExpressCredit of 199 euros. The express payment (super-deal) will get you the money within 24 hours, which costs 39 euros extra. For a preferred processing, 35 euros will be charged. viloan uses the Verify U legitimacy procedure, which does not require legitimization when making an initial application. The urgent loan with immediate payment is also suitable for persons with a private credit entry. At viloan the loan can also be requested via SMS. The provider also allows for a negative private credit an urgent loan. Prerequisites are a German residence, the minimum age of 21 years and a net income of at least 700 euros per month.

Meelending

The urgent loan with immediate payment takes place immediately at Kredi2go after the conclusion of the contract. After you have submitted your application, you will immediately know whether the desired loan has been granted. Once the documents have been verified, the loan amount will be automatically transferred to your bank account. The identification takes place by video telephone call with the responsible credit counselor. meelending offers the digital signature to complete the loan agreement.

Camibank Direct money

With the Camibank Direct money you receive an urgent loan with immediate payment between 100-3,000 euros. The duration is between 2-6 months. The provider uses the simplified Ident method and currently charges no fees for the express payment. With the Targo direct money creditworthiness, a fixed residence in Germany, as well as a net income of at least 601 euro are presupposed.

Why Is Direct Treasury More Advantageous Than Savings?

 

 

Brazilians who are Brazilian have always been adept at saving, which serves as a “footing” for unforeseen expenses and consumer dreams. Parents and grandparents used to deposit a buck every month as a way of guaranteeing the future of young people, a habit cultivated over several generations.

The culture of savings has always been present in the country because it is a safe and secure investment. However, what many do not know is that saving by saving may not be the most effective way to make money render.

Have you heard of Treasury Direct?

Have you heard of Treasury Direct?

Treasury Direct is a fixed income investment option for those seeking a more competitive profitability than saving without giving up security. Through it you can buy public government bonds, getting interest in exchange every month! Its main advantages are:

1- Diversification of the portfolio

The investor has the possibility to diversify the investments choosing between pre-fixed and post-fixed yield securities. What does that mean?

Pre-fixed: In pre-fixed bonds you know exactly what amount you will redeem at maturity. But it is important to note that this profitability may vary in cases of sale of the security before that date.

Post-fixed: Fixed-rate securities have profitability tied to some indexes such as the Selic rate, IGP-M and IPCA.

 

One of the advantages of investing in Treasury Direct is that you choose the title that most suits your profile and purpose according to the time and horizon of the investment.

2 – Low Risk and Safe Investment

The National Treasury is linked to the Federal Government, which, like most public institutions, has good financial solidity. In addition, we are talking about fixed income, which as well as savings is ideal for those who want a conservative investment, and can be used by those who have a medium-term goal, such as traveling abroad or changing cars. If you regret or need to redeem the cash fast no problem, the Treasury guarantees the repurchase of bonds every Wednesday. Be aware, however, that this scenario is not ideal: you may be subject to market oscillations. Therefore, choose bonds with maturities that are in accordance with your goals.

3 – Easy to invest!

The first step to start investing is to open an account at a brokerage firm, since it is not possible to buy the securities directly from the National Treasury. One option is to transfer the amount you want to invest and make the purchase of the security through the home broker. Another alternative is to do it by the Treasury website itself. Remembering that anyone can start investing with values ​​starting at $ 80!

4 – What is the approximate profitability of these securities?

It depends on the period invested and the conditions of some rates, such as the Selic, which starts 2014 at the value of 10.50%. Earlier this year, NTN-F maturing on 1/1/23, for example, pays pre-fixed income at 12.97% per year, while NTN-B Principal maturing on 5/15/2035 (assuming that inflation of 5.91% of 2013 is constant, plus interest of 6.78%), will pay at the end of the useful life of the bond 12.69% per year.

It is important to note that these gross income are greater than savings (6.3%) and CDI (10.27%). However, there are some differences. In the case of savings, it is exempt from IR, which should be considered in the calculations. In the CDI, there is no custody or administration fee, which in the Treasury can vary from 0% to 0.5% per year of the amount invested.

 

 

8000 Euro loan with immediate payment – 8000 € received immediately

Apply for an 8000 euro loan in 10 minutes on the screen and without any paperwork? Receive the credit on your own account on the same day? This is now possible: full-digital applications make consumer loans easier and faster. How consumers can lend 8,000 euros immediately.

In the banking business, a small revolution is taking place. As a result of digitization, the application procedures for consumer credit are being converted to fully digital application lines by more and more banks. Applicants can thus go through the entire application process on the screen. No documents need to be compiled and no documents printed. A trip to the post office is also unnecessary, because neither letters sent nor the Postident procedure must be carried out.

8000 Euro credit with immediate payment: Digital makes it possible

8000 Euro credit with immediate payment: Digital makes it possible

• Loan application is completed on the screen
• No need to go to the post office
• No expression required
• Binding decision in less than 15 minutes

The digitization of loan applications significantly speeds up the application process. From the entry of the first personal data to the confirmation of the disbursement of the approved credit, at best, less than 15 minutes pass. This is possible for several reasons.

First, less data needs to be entered. Many personal data are stored in the online banking of the current account and can be read out by an algorithm. The digital cashcheck itself takes only a few seconds. In order to start the check from an application form, only the access data for online banking must be entered once.

Secondly, there is no need to provide information on personal economic circumstances, as these data are also collected through the digital account check-out. The account turnover shows the type and amount of regular income as well as the nature and extent of the regular expenditure. Special algorithms analyze the data and check whether the applicant B. 8000 euros can make credit or not. This replaces the previous, time-consuming self-disclosure. If the algorithm determines that 8,000 euros of credit are too much, the application will either be rejected or a smaller amount will be offered.

Third, no documents need to be compiled and sent to the bank. In the case of conventional loan applications, proof of income is usually required, for example in the form of the last three pay slips. In addition, account statements must be transmitted. Even if these documents and the contract documents digital, so z. B. as a photo, can be sent first compilation and expression are required. For fully digital applications, the contract documents no longer have to be printed because the signature is provided by digital signature.

Fourth, the legally required identity verification can be done directly on the screen. The Videocred process can usually be started from any computer or smartphone, and rarely takes longer than five minutes, if you do not have to go through too long a wait.

The digital application line: Videocred, Cashcheck and digital signature:

The digital application line: Videocred, Cashcheck and digital signature:

1. A few details about the loan and the person
2. Automated private credit check in real time
3. Digital Account Checker
4. Binding credit decision
5. Legitimation via Videocred
6. Digital Signature: The contract is valid
7. Payment of the loan
In the first step of a digital loan application some personal information is needed. In addition, the desired combination of loan amount and maturity must be selected. Immediately afterwards, a private credit exam starts in real time. This is also common for conventional loans: Without a sound payment history, there is no credit.

Digital account check instead of self-information

Digital account check instead of self-information

If the result of the private credit exam is positive, the digital account check can be started from the application. For this, the access data for online banking must be entered once via a secure connection. It is not necessary to enter a TAN for online banking.

An algorithm now reads out the data from account sales that had previously had to be entered manually as part of self-report. These include monthly income, regular expenses, possible overdrafts of the account, unpaid direct debits and possibly also payments to debt collection agencies. Digital applications thus allow z. B. 8000 Euro credit without proof of income conventional.

Important: For the account check it is essential to use the account on which the regular main salary is received. The consideration of two accounts is not yet possible with any provider. Anyone who receives additional income on another account may therefore be left behind.

If the account check is positive, the bank will immediately indicate in the application that the loan will be approved. A note: If no installment loan, but a credit line is requested, often an algorithm sets the amount of the credit line. After cashcheck z. B. communicated that 8000 euro credit are possible.

Videocred instead of going to the post office

Videocred instead of going to the post office

The next step is identity verification: even in the fully digital age, no bank pays out a € 8,000 loan before the counterparty is properly identified. Instead of the previous Postident procedure today the Videocred procedure is used. The button to start the procedure is integrated in the application. However, it is also possible to cancel the application first and resume it at a later date.

The Videocred method is usually used by external service providers such. B. the Web ID Solutions GmbH performed. A video call is started between the applicant and an employee. The applicant must keep his ID card in different positions in front of the webcam or the camera of the smartphone. The employee uses holograms to check whether the document is genuine, and then confirms the identity of the applicant to the bank.

Digital Signature: 8000 Euro Credit just a button away

Digital Signature: 8000 Euro Credit just a button away

After the legitimacy check, the contract must be signed. This happens in the digital age by means of digital signature. The procedure is very simple. First, all documents are provided as a pdf file. Thereafter, a confirmation TAN is sent by SMS, which must be typed into an input field. Immediately thereafter, the contract is valid.

Payment at the latest on the next SEPA business day

Payment at the latest on the next SEPA business day

An 8000 Euro loan is usually available on the SEPA Business Day following the approval on the account. This means that upon completion of the application until about 14 o’clock on the next bank working day can be expected with the receipt of money. If the application is received later, it takes another day to credit. Same day credits in the recipient account are possible if the paying bank makes a flash transfer. If this is the case, it is typically advertised explicitly. With a mini loan (Payday Loan) same-day payouts are often a paid extra. For a same-day credit, the application must then be completed by a certain time of day.

Soon more than 8000 euro credit fully digital possible

Soon more than 8000 euro credit fully digital possible

Digital application procedures are still relatively new: The year 2017 was a milestone in terms of technical development and end customer use. So far, the digitally available loan sums are still limited. However, this is changing rapidly: banks are announcing that they are expanding their introductory phase, increasing lending and offering additional maturities.

8000 euro credit in seconds on the account: instant payments come

8000 euro credit in seconds on the account: instant payments come

Apply for 8,000 euros credit in ten minutes and 10 seconds after the approval on your own account to determine the receipt of money: This is basically possible. Since November 2017, there is Instant Payment in Europe. The function makes it possible to process bank transfers within ten seconds: as long as it should take from the sending to the credit on the recipient’s account at the longest. The instant loan so advertised for many years now becomes reality.

From 2018, Instant Payments will also be available in Germany – albeit initially only in a few banks. The new technology will make digital loans even faster across the board. If an 8,000 euro loan with immediate disbursement is available 15 minutes after the start of the application on the own account and can be transferred from there to further accounts within seconds, this broadens the application possibilities of consumer credits.

Buyers of used cars can apply for a loan on the spot after a successful visit and pay the seller the money. Alternatively, z. For example, you can apply for a € 8,000 loan before searching for a vehicle and then use it to make a single-click payment.

When shopping online, no credit cards are required: The discounts that have been granted for advance payment by bank transfer, could in the future benefit users of Instant Payment – without having to wait for the shipment of the goods.

Paperwork becomes redundant, credit comparison remains important

Paperwork becomes redundant, credit comparison remains important

A credit comparison remains essential even in the age of acceleration through digitization. If an 8000 Euro loan costs 8% interest per year, the costs add up to approx. 988 Euro with a 36 months running time. For a competitor, a € 8,000 loan may already be available for 4% interest. The savings over the course of three years: almost 500 euros. Consumers can count in the current market situation on the fact that even with a comparatively small sum such as 8000 euro loan offerers are present in large number.

Even in the digital age, installment loans are not tied to a specific purpose. 8000 Euro credit can be used to balance the current account as well as for the financing of purchases. The only exception: if a € 8000 loan is used to pay another installment loan, this should be stated in the application. Firstly, the bank then supports the transfer, secondly, the old and the new loan are not mistakenly taken into account in the budget.

In the lending business, digitization has so far been synonymous with standardization. This also means that whose profile can not be estimated well by algorithms, receives in this way to date very rarely loans. Up to about 8000 € credit without private credit are possible with special providers – but not digitally. Even self-employed people can not count on the new application paths with success.

Why Is It Important To Diversify Your Investments?

 

Were you able to control your finances and even added value to invest? So know that every investor must be aware of the different profiles of each investment, so you can choose your applications better. The real estate market, for example, can be quite secure, but it has lower yield rates. On the other hand, the financial market may have excellent yield rates, but some stocks are extremely volatile. Therefore, by diversifying your investments, you balance your portfolio and minimize any losses.

To help you with this task, we’ve listed some key reasons for you to diversify your investments. Check out!

Reduced risk of loss

 

A diversified investment portfolio reduces the risk of loss because it balances different types of investments and economic areas. For example, even if a New York stock market crash has direct consequences on its shares in an information technology company, the agricultural commodity market may remain intact.

Conversely, if a strong frost on the São Paulo coffee plantations greatly changes the supply and price of the crop, the real estate market in Rio de Janeiro will not be affected by this event. By putting your investments in different areas, be they geographic, economic, or even referring to the type of application, you reduce the risks of total loss. Even if an app does not deliver the results you expect, other investments will lessen the impact of an unsuccessful investment or adversity in that market.

What are the types of risk?

What are the types of risk?

Some risks do not depend on your investment strategy. For example, rising inflation is a risk that affects, to a greater or lesser extent, all the investments made at the national level. The same is true of exchange rates. This type of risk can not be avoided and should not be fundamental to the formation of its portfolio of investments.

Other risks, however, are predictable or characteristic of each market. These should be highly taken into account. As examples, there are investments in research (which may or may not lead to positive results), which are subject to greater volatility. Some markets have these characteristics, and you should know how to identify them.

Each investment has a maturation time

 

It is important that you also make investments in the long term because your income will not be directly dependent on occasional swings in the financial market. Over time, the tendency is for the fluctuation of the value of the application to harmonize. In addition, the longer the maturity of each investment, the greater the chances of you actually observing the valuation or devaluation trends of that application.

It should also be noted that some investments are highly dependent on technological leaps, such as the introduction of new technologies in the market (Apple’s case with its touch screen technology and iPhones).

Diversify, but to what extent?

Diversify, but to what extent?

Investors and market analysts are unanimous in advocating diversification of portfolios. But to what extent? How many types of actions would be ideal to make your card more profitable? There is no exact number, but diversifying your applications between 15 to 20 companies from different sectors would be the most appropriate. From this, there is not much difference in terms of risk reduction, since the applications would already be spread in the main economic sectors.

Keep these observations in mind and diversify your portfolio of investments! Already decided on how to invest? Which of these tips caught your eye? Leave a comment and share with us your experience and opinions!

 

Why Invest In Private Pension? Know the Advantages

Why Invest in Private Pension?

Thinking about the future is an urgent mission that does not depend on the age or stage of each one. And the question “why invest in private pension?” Is key to thinking about the future.

Knowing if you plan is the basis for you to define strategies at some point in your life. Thus, you will be able to achieve the goal of achieving the long-awaited stability and financial security with a good personal financial planning.

But one thing is fact and has no mystery. The earlier you pay attention to this planning, the better for you. And, of course, for your future! Knowing why investing in private pension is important before you start thinking about it.

Those who already think about it or are in the concrete phase of seeking information about the possibilities to architect what is coming, always have a doubt. Is it worth investing in Private Pension? Why Invest in Social Security?

According to experts, Private Pension is one of the many resources that are available to us in the market. But it is up to each to assess whether it meets the needs so that it can be elected as a source of income to enjoy in the future.

Before further comments and information, do you know what Private Pension Plan works and how does it work? Or why invest in private pension?

But just for you to get into the climate, we will summarize here and explain why investing in private pension can be a good one.

The Private Pension Plan offers an income for those who invest monthly in the plan. Income that varies according to contribution made.

+ How to do private pension

The chosen financial institution applies the amounts in the financial market, in order to obtain profitability. The amount accumulated during the entire period can be redeemed according to your choice at the time of signing the contract. This can be done once or in monthly installments, such as a retirement.

However, if the private pension is redeemed before the end of the contract period, you will pay higher taxes and fees, resulting in a loss of investment.

It is a product independent of the National Social Security Institute (INSS) and ends up being an option to supplement the amounts that are paid by the Government.

But is Private Pension Plan the ideal investment option? Why Invest in Social Security?

But is Private Pension Plan the ideal investment option? Why Invest in Social Security?

It is rather a product that caters to anyone who has the proposition of having a higher income when retirement arrives. But to have an idea of ​​the contract or not, it is important, right away, to know how to answer these three questions:

– When can I start to apply to the Pension Fund?

– When will I retire?

– How much do I want to receive extra income when I’m retired?

This way, you can do simulations and reach the monthly amounts that you must pay to earn the desired income. It will also be that you will be able to choose the plan that can best meet your needs.

+ Invest in private pension or savings?

Once that’s done, it’s good to stay in the details, commented from now on.

Rates

Rates

You are already being able to answer the question “why investing in welfare can be good?”. But it is worth understanding the fees involved.

As in other types of investments, fees can make your choice expensive. Therefore, evaluate well the pension options that exist in the market – PGBL and VGBL offered by several entities. Analyze whether it is in fact a product suitable to meet your needs.

What is known is that rates in general are more attractive the greater the volume and the size of the contributions made.

But be aware that you should also take into account other fees. One is the administration fee, which is charged by the financial institution on the entire financial volume accumulated in the plan.

Another charge is the charge, charged to each contribution, which can reduce the amount contributed to the plan at the entrance (when new values ​​are added to the plan) or the value received as a benefit at the exit (when redemptions or portabilities are made).

In your searches you will find even some plans with no charging fee. They are available according to the beneficiary’s profile. That’s why all the work of searching for as much information as possible and knocking on multiple ports is worthwhile.

Ways to receive income from Private Pension

Ways to receive income from Private Pension

Private pension plans bring differences in ways of receiving income. So once again the special tip: be very careful, redoubled your attention in reading the regulation so you do not have unpleasant surprises.

It is important for you to know that the option of receiving the rent for life is part of only a few plans.

Another aspect that should be on your radar is the monetization of your equity in the benefit period, which may vary. Inquire about this point before opting for the plan.

As for the tax issue, there are two modalities for payment of income tax on benefits or redemption.

What is worth adding here is that the tax benefits of Private Pension Plans exist rather than the rates of some other types of investments. Depending on what you are evaluating, Welfare may be the best choice. Stay tuned!

Ah, one point deserves special attention: in case of death of the “holder”, the beneficiaries (legal dependents or others) receive the resources of the Pension Plan quickly, without going into inventory.

In addition to the aforementioned aspects, a specialist can help analyze the effectiveness of Private Pension Plans, comparing them with other types of investments and, importantly, taking into account each person’s living conditions. But it is certainly an investment that should be considered when thinking about it in the long run.

Conclusion

Conclusion

Although the plans have no guarantee of profitability, it is known that in practice they always surrender and are alternatives to ensure a more adequate retirement. Especially if we take into account the aspects of Pension Reform, which brings even more doubts as to the future of the worker who is active today.

However, responding immediately whether or not Private Pension is the best investment is impossible. It is a priority to evaluate the condition of life of each one.

But always be aware of the main topics that should be analyzed. So you can come to your own conclusion: is it worth investing in Private Pension?