If you have reached this page, you are surely looking for a good mini - loan company. Well, you have to know ViaConto . It is a complete company dedicated to fast personal loans that is offering spectacular conditions. Let's see it!
Who is behind this entity? Is ViaConto legit?
ViaConto is a Spanish entity, based in Barcelona, specialized in granting loans through the Internet. This specialization is the best guarantee that it is an entity with experience in the type of credit you are looking for and that it is focused on this market.
It is a relatively large entity, so you have the guarantee that they are not people who have entered that world without any infrastructure . The security and guarantee that having a solvent company gives you is very important when we talk about money.
This entity stands out for the fact that it does not always reject those who are immersed in ASNEF, RAI or some other file of defaulters . This is essential for the people who are in them and who continue to need a financial boost to get out of there.
It is an advantage over other entities. For this reason, Viaconto is a primary option for those who see how to access any type of loan or credit, find it really difficult to be immersed in these lists of defaults for different reasons.
Besides that, the first mini-credit is free . A fantastic way to test them and show them that you are capable of returning it on time, which will always make it easier for you to request any other credit in the future.
The fact that you can request that first free loan also differentiates them from many other entities. As a customer, it is an advantage to test their services before requesting other credits that are no longer free .
It gives a lot of confidence that an entity offers to whoever wants to try what they offer before paying. In this sense, Viaconto is a good option for those who do not want to hire anything without first having tried what that service or product can offer them.
With all this, it is easy to conclude that Viaconto is an ideal entity for those who want to prove what these loans are like or for those who are on a list of defaulters . The facilities, comforts and speed they offer mean that everything is adapted to what the client wants.
The ViaConto mini-loan
Now that we have seen that we can trust this entity, let's take a look at the characteristics of microcredit. You will see for yourself that they are very good!
- Credits between € 50 and € 600: With this entity, the amounts that you can obtain through mini-credits are not low at all. Up to € 600 is quite a considerable amount for a small loan, which is a great advantage. Of course, if you are a new customer, the maximum amount of your first credit remains at € 300.
- Free First Credit: What Does That Mean? That in this first loan they will not charge you interest. They will enter the amount you request and you will have to return that same amount. A perfect way to test the entity to see if it interests you in the future.
- Maximum return period: 30 days . The maximum return period is not very long. 30 days may be few depending on your circumstances and, above all, on the amount you have ordered. It is very important to keep this in mind.
- Minimum return period: 7 days . This is a great advantage, since, if a week after obtaining your mini-credit you will already have the ability to return it, you can do so with complete peace of mind, thus getting rid of the worry that this could cause you.
- Response time: minutes . In just a few minutes you will know if your credit has been granted or denied. This speed of the process has two advantages: if you are granted it, the time until you have the money in your account is very little. If you are denied, you can immediately start looking at other types of entities.
- Time to dispose of your money: minutes if your bank matches that of the entity. Otherwise, from 24 to 48 hours, depending on your bank. The entity deposits the money in your account in minutes, but it depends on your entity how long it takes that transfer to be made.
- Possibility of extension: These mini-credits have the possibility of extending the term that had been agreed in the beginning. It is a very common practice in this type of loan, and the entity provides facilities for it. You just have to pay them a small compensation and you will have more time to return the money.
- Repayment of the loan: It is done with the payment of a single installment, which can be done in several different ways. In this way, you avoid periodic payments, but you must gather all the money for a single final payment.
- In case of non-repayment, there is default interest amounting to 1% of the loan . Of course, you must have the peace of mind that these interests will never be higher than 2.5% APR, since that is what the law stipulates.
Requirements to request it and other conditions
As usual, to apply for the microcredit, we will have to meet certain requirements. The requirements to qualify for this mini-loan are the following:
- Being a resident in Spain: This entity works only with people who have their residence in Spain. In other words, if you do not live in Spain, you must find another entity. It is a point of white or black, in which you cannot do much more.
- Be between 25 and 65 years old: The age limitation is very large with this company. It has nothing to do with coming of age, but they impose a limit that, although it covers a lot of age, also leaves many adults out.
- Not having debts exceeding € 1,000: Although it is an entity that accepts defaulters, its debt cannot exceed this amount. It is important to have controlled the exact amount that is owed so that this point does not cause you to be denied credit in one of the few entities that accepts people who are on lists of defaults.
- Have demonstrable periodic income: Having regular income is essential to access these mini-credits. It is your way of telling the entity that money enters your bank account every month and that this money will allow you to repay the loan they have made you. It can be a payroll, self-employment income, the rental of a house, a pension, etc.
- Having a mobile phone: It is a requirement that is almost taken for granted, but it is important. The entity will communicate with you via SMS, so you need to have a mobile phone to be able to receive the important notifications that they have to make, such as information on whether you have been granted the credit or not.
- You do not need an endorsement: An important point is that you do not need any endorsement for the entity to trust you. It will be other criteria that will follow so you don't have to worry about this point at all.
- You do not need a payroll: You do not need to have a payroll to receive a mini-credit. Although regular income is required, it can come in many different ways, so the payroll is not necessary in any case.
- You must be a natural person: These loans are not granted to companies. Therefore, for its processing there must be a natural person who leaves their data, and she will be responsible for the credit. In no case can a company receive them.
Procedure to obtain your mini-credit
Now that we have seen what the requirements are to be able to get this mini-credit, we are going to see what procedure you must follow to obtain it. As you can see, it is a very simple process:
- Web form: You must fill in a form on its website in which the loan is requested. In it, you will be asked for some essential personal information to know your situation and analyze everything they need to know about the viability of your case. In it, you must enter the amount you want and the term in which you want to return it.
- Submit to an analysis or send documentation: For the entity to verify that you have regular income, you can submit to an Instantor analysis or send yourself all the necessary documentation for this, such as ID, an extract from the bank account and a document that proves that you are the holder of it (for that it may be worth simply scanning the first page of the primer).
- Response via SMS: In just a few minutes the entity will study your case and see its viability. You will receive an SMS on your phone in which the resolution will be explained to you. This entity usually uses SMS as a means of communication.
- In case the credit is approved, the SMS will include a verification code that you will need to collect the money for the mini-credit.
- Enter the code on their website : Finally, you must enter their website and enter the code that has arrived by SMS. As soon as you do, they will deposit the money. If your bank and his are the same, it will take a few minutes. If they are different, it will be delayed between 24 and 48 hours, depending on your bank.
Although it has several steps, the truth is that this procedure is really quick and easy . The fact that you can submit to the Instantor analysis or that the communication is via SMS means that the terms are shortened and that you can have the money you need in your bank account in a very short time.
Opinions of the clients of your microloans
Opinions on Viaconto are generally positive. Most talk about the importance of not writing off those on delinquent lists . For them, finding an entity that grants them a loan is difficult, so doing it with one of guarantees is an advantage.
Another important point that many opinions emphasize is the ease and speed of the entire process. The truth is that from the moment you enter their website until you have the money in your account, minutes go by, which is a huge convenience.
There is also a lot of talk about the fact that they preferably communicate by SMS . There is a diversity of opinions here, since many people no longer use it and other people say that it is the best way for any communication to reach you instantly and not get lost.
There are opinions and questions that refer to the fact that the payroll is not necessary . Some people confuse that with not needing regular income, but it is not the same. If you have regular income in any way other than payroll, you can access the credits.
Some people have accessed them because they have a pension, a rented apartment, an unemployment benefit, some type of benefit, etc. People emphasize in their opinions that any income that is regular is worth you to be able to request the mini-credit.
The biggest criticism that is made is the fact that, due to age, there are many people who cannot benefit from their mini-credits . It is true that it is a fairly strict credit, but it is also true that there are many more people who can access them.
Other mini-credit companies that may interest you ...
And, to finish, we are going to point out some mini-credits that may interest you:
I need money
As you can see, ViaConto is a very interesting microloan company, with very favorable conditions for the borrower and that also offers a very competitive service. So… what are you waiting for?