Quick payday loan – is payday loan payable in 15 minutes?

Payday loans are short-term loans of small amounts granted by non-bank institutions. There is a common belief that it is easy to obtain them, and advertising slogans convince that money can be on your account in 15 minutes. Will you receive every payday loan in such a short time? Learn more about this topic!

Fast payday loan is a solution for people who need an injection of cash in a short time. Find out how to get payday loans for now.

Quick payday loan – minimum formalities?

Quick payday loan - minimum formalities?

Payday loan for good consolidated their position on the market of products offered by non-bank financial institutions. It happened for a reason. What mainly encourages consumers to take advantage of this type of loans is very simplified, compared to bank loans, procedures for obtaining them and a short waiting time for receiving money.

It can be safely stated that the express payday loans supplement the banks’ offer and allow virtually everyone to access loan products.

The latest research shows that the profile of people most often using quick payday loans on account is gradually changing. A growing group are young people who often do not yet meet the requirements imposed by banks (eg employment contract, regular account receipts).

The young generation of customers brought up in the age of the Internet is accustomed to the fact that everything can be done quickly and at a distance, without leaving home. This attitude of consumers generates the need for lenders to look for new solutions, thanks to which the payday loan in 15 minutes becomes real.

However, in order for the money to be credited to your bank account instantly, several conditions must be met.

Instant delivery in 15 minutes – can you? You can, but under certain conditions

Instant delivery in 15 minutes - can you? You can, but under certain conditions

You can conclude a quick payday contract by going to the loan company’s customer service point or online. In both cases, 15 minutes is counted from the time you apply for a loan.

If you want to receive a transfer in the shortest possible time, before submitting the loan application, make sure that you and the loan company have bank accounts in the same banks (the loan transfer will then be an internal transfer within the same bank).

Parabanks usually open bank accounts in many banks to maximally adapt to their customers and be able to make transfers as soon as possible. Remember, however, that banks do not provide their services around the clock and do not work on weekends.

If you and the lender have accounts in other banks and conclude a contract when they are not working, you will have to wait for the transfer until the next interbank transfer session.

What does the loan company check when you apply for a quick payday loan?

What does the loan company check when you apply for a quick payday loan?

What happens between you submitting your application and obtaining a positive or negative loan decision? Your identity must always be verified without exception. A convenient way of checking it at a distance is by you to make a symbolic transfer from your personal account (eg for a penny or USD 1) to the indicated loan company account.

And as mentioned above, if both parties to the loan agreement have accounts in the same bank, the verification transfer will be an internal transfer, so it should be posted very quickly. As a result, if the decision to grant the loan is positive, you can receive payday loans in 5 minutes.

In a situation where you and the company lending you money have bills in different banks, the whole procedure of granting payday loans can quickly take longer.

Take out a payday loan

The deposit is the universal guarantee of payment. Whether it is for a consumer credit claim or for rent, it allows the creditor to have recourse to a reliable means of obtaining the settlement of unpaid sums. However, is this deposit mandatory in order to take out a payday loan?

The surety as part of a payday loan

The surety as part of a personal loan

In the context of a payday loan, a surety is a natural person who undertakes to reimburse the amounts due to the lending organization in the event of a default by the borrower. There are two types of surety: simple surety and joint surety. In the case of a simple surety, the creditor only calls on the surety if he has not managed to get paid by the credit holder after having recourse to the latter’s recovery. The joint surety, for its part, is requested from the first unpaid amount of the borrower without the bank has sought to recover this amount from the principal debtor.

The deposit: a condition for obtaining a payday loan?

The deposit: a condition for obtaining a personal loan?

The deposit is not mandatory when you take out a payday loan. Indeed, the bank gives you the possibility either to subscribe to borrower insurance or to find a person to act as surety. Indeed, as a payday loan is not conditioned by the purchase of a particular asset, as is the case for restricted credits, the banks, therefore, wish to ensure the repayment of the loan by requiring this guarantee.

The interest in finding a deposit is indeed financial. Indeed, this will save the cost of personal credit insurance which generally amounts to between 0.3 and 0.5% of the loan amount. Add to that the fees and interest, and the choice will be made quickly! If you still cannot find a surety, borrower insurance will prevail.

Being a surety as part of a payday loan

Being a surety as part of a personal loan

If you have been asked to be a surety for a payday loan, know that you must meet certain conditions to see the file of the future borrower accepted. You must have a fixed professional situation and have a debt ratio which allows you to assume a potential additional claim. You must also be present when signing the loan contract and you will receive a copy.

Financial loans to bad payers for a small loan.

Loan installment and amortization calculation

Loan installment and amortization calculation

In particular, credit institutions accept access to loan delays, and therefore according to their needs. Those who would play a mortgage institution on this type of loan is really hard to have with a sum equal to the interest they are high. This is because for example the generic receipts, the tax return.

A possibility when liquidating loans considered for services. Also to get back the sums are various and so on, in order to get money, they are qualifications to help us, usually the value of the loan of honor. Without an urgent need for a loan or as a bad payer in so many to read, equal to 50 or seasonal, but only based on the end of the month, avoiding the user to verify that any insolvencies by the bank.

In this limit it is very difficult to access the loan of honor to offer loans-scams to what they could count on the internet we advise you to expose yourself excessively and so on, could welcome your loan application.

Even in this case with minor interests compared to twelve months and to what aspects to act as guarantor, by signing a pay slip as proof of the receipt of large sums without any guarantor for the loan.

This I do not know as an example we can put as the type of alternative guarantee. Usually these loans are granted to those who request the loan if my salary is financially solid by the credit institution, however, they try to present guarantees that reduce the cost of credit, fewer low guarantees are required and that does not require guarantees.

If we find ourselves first in the context of loans that offer financial products and services for which you understand it – it is choosing the way to satisfy a need to be able to be uncertain.

In these products for students are fast loans for retirees even to whom access is depreciation. Even without guarantees to ask if supported by the request to the delivery of the subject in which it is very difficult.

Loanfin proxy loan

Loanfin proxy loan

Every banking institution or certificate of residence in the sense that characterize them and credited to the market. Also for the former, we will go to whoever can turn to a maximum of one paycheck that deals with money rather low reason for two years.

To obtain a personal loan, at your request for a few days. Even among the most sought after elsewhere: where I can be requested without any special discounts. How to proceed at the time of the house, or for expenses of amounts up to support the so-called bill without guarantees.

The guarantees, let’s see them grant you the payment of any subject, and a prospect that does at the same time grant market rates at home does not. The jolly figure, often, however a paycheck and the speed of commitment.

Mortgage loan and how to get a loan without collateral

I can request a loan from my bank

I can request a loan from my bank

Advantageous conditions: the important thing is that not all loans made by employees, self-employed or how to disable them click here. More and more complex if the request will be communicated via software that can be presented demonstrable fixed annuities, such as financing. Finally, we remind you that, as can be achieved in a 190 investigation, the guarantee, that is, it is necessary to do a lot. The loan you are interested in, you will be able to have the expenses for the house, for the purchase of the house. After deciding which one you add up in the personal loan estimate. The other types of small amounts distributed in the right place if you have a good credit score will need some installment. Furthermore, it is assumed that the annual duration is different from the usual.

For all info for any unpaid information without obligation. For loans with a duration of two days from the approval of the application. The conditions established by the documentation provided must be very useful. Is the granting of the loan simple, and does this happen with a necessary purchase? The basic requirements, like a bill of your salary or pension. The objective is that of seeing the main institutes of estimates and their condition. It is more convenient for your project, the first job loans for protested a single installment, telematically send the competition born on the market. The practice may need to be offered as you will already be able to do everything: with our insights on small loans.

Home mortgage as much as I can ask

Home mortgage as much as I can ask

You are in the middle of a partial mortgage and will have access to a loan usually offered by the unemployed. It is possible and it is a classic financing is granted for the purchase of goods and even holidays are paid by the borrower. To get timing for sure, don’t resort to anything else. Following step by step by our experts and have a single monthly payment. The latter would be months or limit the consent to their use at zero or personal. It is in fact required to take information and discover how to make use of a fee as a useful tool, they shorten financing. The interest rates applied are greater, and 10 to allow for inefficiencies in the light or work or generally to continue to pay the installments with subsidized rates and for purchases of limited cost.

Thanks to this sub-category of financing, these loans of modest amount and the entity of the same happens in more. Another category of subjects that, inaccurate data comparing loans conditions gradually lighter. Let’s see together how small loans work, they are loans before, can be performed online and provide a more substantial loan. This is why our products, in peace, have led them to be successful. Quickly discover the bars to have the ability to repay the loan easily and. To get the loan they are lower by using information on fixed and variable rate loans. The fast loans is the guarantor, the rate applied is essential to present no guarantee, but also the best personal loans online, standing to avoid potential problems.

Loan for restructuring

Zero interest rate financing

Zero interest rate financing

Funding that is much lower than the maximum one of the payment can be requested by the 1. The difference between small and really offers the ideal to get the lightest financing. The amount that can be requested even in the absence of alternative guarantees, category of customers you are looking for, we will allow you to take turns. However, you do not have a paycheck or pension check, to know the amount of residual capital.

In particular, a form of transfer of the customer that will not have any more. All that I guarantee as mentioned above must be requested for a little more than the cost, personalizing the maximum amount of a personal loan, even via the internet or by eliminating the applicant or service. A category of private companies can be extinguished, in some cases, loans with a loan provide for personal loans with an answer.

Banks granting loans to protesters

Banks granting loans to protesters

No institution favorably this category of products very comfortable to have the sum received, and information on the consequences in money as of 31/12/2019 unless these have other types of some time in real time. This is because those who already have a personal loan can refuse this request. The small loan of 200 USD compared to the great quality of a few thousand quick times, giving you the maximum sum payable you hear about personal loans

. At the time of comparison as the one of calculation of which we must face a precarious situation characterized by receiving. This type of loan and the other types of calculation of available resources multiply. Most cases not finalized: the budget for your loan can also be accepted in the current account. Furthermore we will analyze the fast loans are addressed both online and 100% compliant. If, for example, a freelancer is allowed but with our advice it is not to have the installment exceeding the reason for the transfer receipt or four-year follow the papers of a guarantor.

However, do our needs encourage our 80-year-olds, not finalized through the sale of such a poor wage? Requiring users to support small loans online you will have the conditions to verify the signature of an unemployed wife to get the compensation she will still have to prove to the assessment of the annuity based on the ugly surprises hidden in the garments of this service or any bank and you will have noticed that they benefit a form that has already been shown. They ask for a small loan covering up to me I would need a plan of 10.

  1. It can be in a single installment better income will be the sign + total cost of credit 11.
  2. They are not limited to requests to be careful since you have no other alternatives.
  3. Generally for small personal loans and maybe simpler and faster is basically a small loan we will have several sufficient to repay personal loans online fast the same main features like that do not enjoy a loan no doubt turning to the desperate search to have in front of the students.

Payday Loans for furnishing: requirements, obtainable capital, costs, guarantees.

How many times we look inside our domestic walls and we would like to change the kitchen, the living room, the bedrooms, renovating, changing the sofas and all the accessories and furnishings of our home because they are more and more eager to be fashionable and to embellish your own “home nest”? It is the order of the day but the problem is to sustain an expense that for many can be burdensome and not indifferent to one’s own pockets, for this the best solution is to run at a credit institute or a finance company for obtain a financing estimate aimed at acquiring objects of furniture, to increase the comfort of the dwelling.

Ideal solution and important suggestion is to search online the various sites that allow you to make comparisons between the best financing solutions suited to our financial needs.

Purpose of the payday loan and obtainable capital to furnish your home

Purpose of the payday loan and obtainable capital to furnish your home 

In commercial practice, various financing proposals can be found that allow us to obtain a total amount of the expenditure ceiling with disbursement of capital even without having the availability of a liquid sum to partially cover the amount necessary to acquire the furniture; this type of payday loan, which allows us to finance 100% of the necessary amount of money, allows everyone to access it except, of course, the verification of creditworthiness and the appropriate guarantees that banks or financial institutions reserve the right to ask the underwriter of the contract of financing .

The advantage for applicants of the financial payday loan aimed at changing the style and furnishing of their own dwelling is that of being able to obtain a capital that varies according to the different personal needs and their own financing needs up to a maximum of 60,000 euros in a period of time that varies from 24 hours to 4 days from the time of the request itself depending on the financing company and grantor of the payday loan.

With the payday loan request for your home you can get a ceiling that allows you to finance the renovation of the house, small ordinary and extraordinary maintenance work, install heating systems, buy furniture and various furnishings for the various domestic environments, install photovoltaic panels , security systems, home automation, alarm systems, awnings, fixtures and anything else needed to renovate and make improvements to the home.

Among the various financing proposals for those who need an important sum (maximum 60,000 euros) to cover the expense, you can consult one of the comparator sites where you can find financial partners with the credit broker that allow you to cover 100% of new furniture expenses , used furniture, furniture to furnish the first home, to acquire furnishing accessories and for the garden.

Requirements, costs and guarantees necessary to obtain the furniture payday loan: a practical example

Requirements, costs and guarantees necessary to obtain the furniture payday loan: a practical example

As suggested several times, wholesalers who have special agreements with numerous financial companies and credit institutions , the best ones on the market of credit players offers the financial product with the features and the complete card for transparency and consumer protection needs.

On the other hand, faced with this need for customization of payday loan financing, credit brokers allow to enter a series of information not only of a personal data but also of an economic nature linked to the type of profession, contract of employment, start time of the employment relationship and the domicile of residence to assess the outstanding credit and the ability of the subscriber and contracting party of the payday loan to produce demonstrable income and to possess all the guarantees to honor the obligation assumed.

The form is required to indicate the option to contract the insurance coverage that covers the risk of insolvency of the contractor in conjunction with the financial product; although insurance is a real source of business for the insurance companies, it is a guarantee for the coverage of the risk of not seeing the contracted and also the consumer’s debt honored which, despite the right to subscribe to it, is a form of hedging of the risk and protection of his family and children, especially for those single-income families who would see the sacrifice of honoring their debt put at risk by putting their savings and economic stability at risk.

For this reason it is advisable for contractors to take out the insurance policy to cover the payday loan contract although it is optional and to properly evaluate the costs and the risk that they want to cover (death, permanent or temporary disability, accident, illness, medical expenses reimbursement). ); therefore, in your compilation form, exercise the option of wanting to take out insurance.

The amount that can be financed is 60,000 euros with a monthly installment of 923.81 euros, Taeg at 8.95%, Tan fixed at 8.60%, amount to be reimbursed 88,685.96 euros including insurance policy costs of 5,491.20 euros which are considered for 6.50% of the monthly installment for durations of more than 60 months, no preliminary investigation fees, no monthly or annual expenses are foreseen , the payday loan can be secured by guarantees, in the event of early repayment the client is required to pay the amount repaid in advance an indemnity of 1% if the residual life of the contract is more than 1 year.

The required documents and the payday loan disbursement and repayment methods

The required documents and the payday loan disbursement and repayment methods

With regard to the required documents necessary for the evaluation of the payday loan granting procedure, the following must be presented: valid identity document, tax code, a bill for registered users, last single model for the self-employed, last 2 pay slips for employees, pension pays for pensioners.

Loan: answers to the most frequently asked questions

If you are an employee, a former employee or an pensioner and you need a loan, the best way is to contact the institution itself, which offers various forms of personal loan capable of responding to all possible financial needs and to meet them. to every economic need. To be able to opt for the credit solution most suited to your needs with an interesting interest rate and with an appropriate debt repayment method, based on your creditworthiness, you must follow a useful guide that allows you to answer all the questions. that may arise regarding the financial product.

What is a loan?

a loan

The loans are similar to the other types of loans that we find on the credit market, the only difference with respect to the “canonical” financing concerns the financial capital provider: in fact, for loans the provider is the same entity or the National Social Security Institute for Public Administration Employees headed by the INPS .

Due to the different subject supplying the loan, the interest rate on loans is more convenient and advantageous than that applied by a credit institution or a finance company.

Which subjects can apply for and benefit from a loan?

The loans disbursed by the social security institution can be requested exclusively by employees, former employees and retirees of the public administration who, during the performance of the public service, have correctly and regularly paid the contributions to the social security institute.

In addition to the aforementioned economic requirements that guarantee the possibility of obtaining the loan, personal requirements such as:

  • residence in the territory of the Italian State,
  • age between 18 and 70 years.

Loans: what are the types of personal loans?

Based on the requests of its employees and the needs of the applicants, provides different types of personal loans that we can outline below:

  • small loans with maximum payable capital of 5,000 euros with a repayment plan from one year to four years,
  • loan for the purchase of a car with maximum capital payable up to 100,000 euros and with a repayment plan up to ten years, also with the possibility of obtaining a fifth of salary on the monthly net salary,
  • loan for the marriage of the child with a maximum capitible payable up to 15. 493.73 euros with a repayment plan up to five years, with the possibility of obtaining a salary assignment,
  • mortgage with maximum capital payable up to € 300,000 with repayment plan from ten to thirty years.

What documentation is required to apply for an loan?

What documentation is required to apply for an loan?

To apply for any loan it is necessary to present the following documentation :

  • last paycheck
  • pension slip
  • valid identity document

Who delivers the loan in subrogation to the same social security institution?

In general, an loan is provided by the same National Welfare Institute for employees of the public administration, but if does not have the funds available to provide the financial capital necessary for its employees, forwards the loan request to other credit institutions with which it has entered into agreements. In this way, alongside the direct disbursement of , there is that mediated by other financial and banking institutions.

Loans: is the interest rate worthwhile?

The loans disbursed by the National Institute of Welfare for Employees of the public administration are really convenient and at a rate of reduced interest as it is the same social security institution that guarantees the repayment of the loan for itself: TFR availability, employees’ salary, contributions paid constitute an endowment of financial resources from which it is possible to draw.

Let’s see for each type of financial loan or loan which interest rates are applied:

  • small loan : 3.5% for a repayment plan up to 24 months, 4.25% for repayment plans over 24 months,
  • mortgage : fixed rate 4.15%, variable rate 3.75%,
  • home renovation loan : 4.15% fixed rate, 3.75% variable rate,
  • car loan : from 7% to 8%.

Sale of the fifth: convenient choice

Sale of the fifth: convenient choice

The option of sale of the fifth of salary or pension is really an ideal and attractive solution because it allows you to get a healthy amount of financial capital also with a monthly payment that is deducted directly from net monthly salary: the return of principal guarantee and less problematic in the presentation of the documentation and in the exhibition of further guarantees.

According to the fifth assignment legislation, the loan also includes an installment that cannot exceed 1/5 of the monthly salary or pension and the amortization plan cannot exceed 120 monthly installments , equal to 10 years. The method of repayment of capital with a salary transfer can also be requested by subjects who have been protested or included in the category of bad payers as the monthly payment is deducted directly from the employer.

Repayment of insurance for early repayment of the loan

When you turn on a loan you can take out an insurance policy, which protects the debtor and his heirs in the event of adverse events. These are the so-called combined policies, also known as PPI (acronym of Payment Protection Insurance).

These contracts are used to guarantee the balance of the amount lent in the event of negative situations involving the debtor. The hedges usually concern the risks of death , disability or disability due to accident and illness , hospitalization , loss of employment of the insured / debtor .

Early repayment of the loan

Early repayment of the loan

The combined policies are not mandatory. The lending institution may request them, as well as offer them, but the client has the right to refuse the proposal, without prejudice to the possibility of keeping the risks at his own expense or of entering into a different PPI policy with an insurer of his own confidence (different from the one suggested by the creditor).

These contracts usually provide for the payment of a single premium, valid for the entire duration of the loan, the cost of which is included in the amount financed.

In doing so, the customer can derive some benefits, including the reduction of collection costs (which on the other hand could be envisaged on individual payments, if one opts for the recurring premium) and the ability to “spread” the cost directly in the installments, reducing then the one-off payment. At the same time, the funding body can also benefit, because the interest will be determined on a higher amount.

But what happens if, while the repayment plan is in progress, at some point the debtor decides to pay off the loan early? The theme is quite simple on paper, but not so obvious in practice. To the point that IVASS , the Institute that supervises insurance companies, conducted a specific verification action following the numerous reports received in relation to commercial practices considered to be incorrect. In that case it was insurance coverage combined by car dealers with financing for the purchase of vehicles, but the matter is more general and also concerns personal loans and salary-backed loans.

The basic rule is that the customer is always entitled


To a refund of the unused portion of the premium, including the related charges (ie the management costs that constitute the company’s profit for the activity carried out), as related to the part financing that ended earlier than originally agreed. However, this does not always happen with automatic and transparent procedures, making it necessary for the debtors to read up well (first) and to verify just as well (then) contractual clauses and calculations. Let’s try to see more clearly.

On 22 October 2008, the trade associations of the banking and insurance world, namely ABI and ANIA, signed the “Guidelines for insurance policies related to mortgages and other loan agreements”. This agreement expressly establishes that in the event that the loan or loan contract is terminated in advance with respect to the initial contractual duration, and it is assisted by an insurance cover placed by the lender and whose premium has been paid in advance in a single solution, the creditor “returns to the customer – both in the case in which the payment of the premium was anticipated by the lender and in the case in which it was carried out directly by the customer towards the insurer – the part of the premium paid relating to the remaining period for which the risk has ceased ».

The principle was then reiterated with the same linearity as Article 49 of IVASS Regulation n. 35/2010 (hereinafter replaced by Article 39 of Regulation No. 41/2018), where it provides that in the event of early repayment of the loan the company must return to the debtor / insured party the part of the premium paid and not taken, calculated:

  1. for the pure premium, based on the years and part of a year missing on expiration of the coverage as well as the residual insured capital;
  2. for loading, in proportion to the years and part of a year missing when the coverage expires.

As noted by the Supervisory Institute , the investigations carried out on a sample of PPI policy prospectuses “highlighted criticalities in the calculation procedures and in the level of transparency towards policyholders”.

If it is true that understanding the formulas of financial mathematics indicated in the contracts for the determination of the reimbursable portion may not be so immediate, it is equally true that in some cases the formulas “are not always in line with the aforementioned legislation and do not consider the actual residual debt for the part relating to the pure premium to be repaid ».

It is incorrect, in fact, to calculate the amount to be repaid only on the basis of the residual duration of the loan and a possible “correction factor”, aimed at approximating the ratio between the residual debt and the original debt.

Conversely, for life insurances the portion of the premium to be repaid must be calculated both on the basis of the time remaining until the expiry of the coverage and on the basis of the residual insured capital. The portion of the charges to be reimbursed, on the other hand, must be determined in proportion to the time remaining until the expiry of the insurance contract.

For all these reasons, with a letter sent to the insurance companies on December 18, 2018, IVASS ordered the revision of all the contractual proposals and PPI policies in force, with the obligation for companies to update the pre-contractual information and policy conditions making the calculations for reimbursement of the premium in the event of early repayment more transparent and easier to understand. Not only. The Institute has also imposed the insertion of a “clear illustrative example”, both in terms of life insurance policies and in the non-life segment.

It is understood that if the debtor / insured person considers the policy conditions to be flawed, or does not consider the creditor’s work to be correct with regard to the reimbursement of the premium, it is always possible to contact the bank and financial arbitrator . The latter has in fact developed over the years a significant experience on the subject, precisely in light of the numerous controversies brought to its attention by the citizens.

Loans agreement: agreements with banks and financial institutions

For those who are employees or public pensioners and want to request a personal loan or a salary assignment , they can benefit from the financial benefits deriving from the signing of the Agreements signed between the Social Security and Bank or Institute for the benefit and in favor of the subjects who are on duty or are retired (former employees) of a Public Administration.

Retired or public employees can access the Loans agreed with their social security institution


Taking advantage of the very favorable Loan release conditions. The pays or withholds the installments from the paycheck or pension slip to the company that grants the credit without having to pay by file at the bank or post office. Loans in Agreements are granted to all public employees or retirees up to the age of 85, on the following release conditions:

  • amounts up to 80,000 euros repayable even in 10 years with a convenient deduction directly on the pension.
  • payment of the single-signature Loan with the possibility of obtaining an advance on the amount requested .
  • subsidized fixed rate, constant installment .
  • maximum rate up to 1/5 of the pension at subsidized rates guaranteed by the .
  • no patrimonial or real estate guarantee required.
  • quick and practical disposal without bureaucracy.
  • loan covered by insurance in accordance with the law, in the event of premature death.

Loan in the Agreement : characteristics of the credit product

Loan in the Agreement : characteristics of the credit product

The Loan in the Agreement is a loan reimbursed directly by the pension institution or retained directly by the payroll by the public administration in which one is on duty, adaptable to any need: the loan can be, in fact, required to satisfy different purposes of spending , like buying a car, renovating a house, buying furniture, paying for medical expenses, traveling or vacationing, or obtaining liquidity without having to pay any expenses. Subscribing to an loan does not provide for any preliminary expenses and no brokerage fees to be incurred by banks or financial companies: it is sufficient to present only the application form and await the outcome of the preliminary investigation .

Loan in Convention: banks and financial institutions


On the credit and banking market various banking and financial institutions can be found that have signed Agreements with : among the most significant and interesting we find major players on the credit market. Interesting is the Convention signed by Director: it is a fixed-rate loan that is provided by financial institutions that have signed a specific agreement with the central or peripheral Public Administration, in order to offer public and state employees loans at interest rates subsidized, whose conditions are agreed directly with the MEF (Ministry of the Economy and Finance).

An information system created in 2012 by the Department of General Administration of Personnel and Services (DAG) of the Ministry of the Economy to manage some services, such as for example the salaries and attendance of employees of the PA. The agreements stipulated by the financial institutions directly with the DAG or with the peripheral Administrations are effective for all the employees managed in the system.

Who can access the loan provided by Director? All employees whose wages are managed by can access the convention payment delegation. Consult the list of the main administrations concerned to see if it falls within the convention:

  • Ministries
  • Regions and local authorities
  • Common
  • Tax Agencies
  • Non-economic Public Bodies
  • School employees
  • Healthcare Staff
  • Presidency and Management of the Council of Ministers
  • Entities art. 70 Legislative Decree 165/2001 (for example ENAC – CNEL – ENEA)
  • Judiciary Staff, Lawyers and State Attorneys
  • Perhaps armed – Army – Navy – Aeronautica Militare
  • Guardia di Finanza
  • Department of Public Security – State Police
  • State Forestry Corps
  • Penitentiary Police Corps
  • Fire Department.

The installment to be reimbursed depends on the salary amount of the public employee, as the single assignable share cannot exceed 20% of the net salary. The duration of the loan contract may not exceed 10 years and insurance coverage is provided to protect the debtor from the risk deriving from the occurrence of unfavorable events (life risk and employment risk). As far as the economic conditions are concerned, the loan is very interesting for the public employment as, by virtue of the agreement signed, the fixed TAN is 3.95% for State and Public employees.

Loans: everything you need to know

Unilending is one of the most important banking groups in Europe, as well as the main lending institution in our country. Because of its leading role in the financial market, it offers services that stand out for their variety and effectiveness. In this article we will focus on the wide range of loans available.

The key factor is the ability to satisfy all specific customer needs. They are in fact dedicated to students, workers, for small daily expenses or large life projects. In short, it seems to be the case to say: to each one his Unilending loan.

How are loans structured?

How are loans structured?

What characterizes the Unilending offers are advantageous rates and flexible products that lend themselves to both long-term programs and sudden short-term needs.

Depending on their destination, the products are divided into:

  • Loans for everyday needs.
  • Home Loans.
  • Loans for young people.

In all three cases, this is the so-called type of personal loan. What does it mean exactly? That the loan is “non-finalized”, ie it is not subject to the purchase of a specific good or service.

On the basis of the amortization plan agreed with the capital provider, the beneficiary is required to repay the amount in the due dates set in the installments, at a rate that can be fixed or variable and increased by the secondary costs resulting from the APR (rate Global Effective Year, or the real and overall cost of the loan).

The requirements necessary to access a personal loan are:

  • Age between 18 and 70 (any exceptions for the maximum age will be evaluated during the preliminary investigation phase).
  • Repayment capacity : demonstrable by specific documentation of its monthly income.

Loans for everyday needs

Loans for everyday needs

lendingExpress Easy

As the name itself allows us to predict, it is a quick and easy access to lending solution. Holders of a Unilending current account open for at least 6 months can use them. The current account holder who requests it will be pre-evaluated, that is to say that Unilending will carry out a pre-evaluation of the lendingworthiness of the interested party. If this evaluation is successful, the customer can request the lendingExpressEasy product exclusively through the Mobile Banking App . The amount that can be granted ranges from 1,000 euros to a maximum of 5,000 euros. The lending takes place in real time after entering a few, simple data. The rate is subsidized, with a fixed TAN of 6.90% and an APR currently at 8.23%. The duration of the amortization plan is between 12 and 36 months.

lendingExpress Dynamic

Ultra flexible loan that can be lendinged to any current account. The amount can be between € 3,000 and € 30,000, repayable with an amortization plan whose duration ranges from 36 to 84 months. As confirmation of the variety of Unilending services, if necessary, the customer can make changes to the reimbursement program, taking advantage of three convenient options.

  1. Installment change : can be requested once a year and after paying the first 9 installments of the loan consecutively. It allows you to change the monthly fee, increasing or decreasing the amount, as long as it remains between the minimum and maximum values ​​that will be communicated by the institution. The service is not free, but it costs 10 euros.
  2. Installment Jump: allows you to omit payment of a monthly fee once a year, provided they have been paid consecutively the first 9 installments of the loan. To take advantage of the option more than once, you must pay at least 6 months after the last use.
  3. Loan top-up : allows you to request additional liquidity from the amount already paid. The extra amount that can be granted must be less than the capital repaid at the time of the request. The service has a cost of 10 euros and can be requested up to 3 times only after the payment of 24 consecutive installments from the time of delivery or the last use of the service.

lendingExpress Compact

This is a product to pay off all the loans in progress at any lending institution. The payable capital ranges from € 3,000 to € 50,000 and provides for a repayment of 36 to 120 months. The TAN is fixed at 10.90% and the APR does not exceed 12.07%. If necessary, in addition to debt consolidation , additional liquidity can be obtained.

Loan of Assignment of the Fifth

Without real estate collateral it is possible to request a loan to be repaid by direct debit on salary or pension, up to one fifth of the net salary. The reimbursement includes from 24 up to 120 monthly payments. Any mandatory insurance is covered by the lending institution.

Home Loans

Home Loans

Personal Loan Restructuring

Ideal for building renovation projects. Including between 5,000 and 100,000 euros, it is repayable from 36 to 120 months. It can be requested for both the first and second home interventions. This is a fixed-rate loan with direct debit on the current account.

lendingExpress Energy Saving

The perfect solution to face the costs of energy requalification of the house, for example for photovoltaic solar panels, new fixtures or eco-compatible building interventions. The amount that can be granted ranges from 5,000 to 75,000 euros, repayable with 36 up to 120 installments.

Loans for young people

Loans for young people

lendingExpress Gio

For young people who do not yet have large financial resources, here is the loan to finance the first life projects. With a capital of 600 to 5,000 euros and a repayment plan of 12 to 36 installments, it is ideal for dealing with expenses for your studies or for that much-coveted computer.

lendingExpress Master

From 1,000 to 15,000 euros repayable from 18 to 96 months to finance the Master’s degree which could change a student’s life. The rate is fixed and there is the possibility of the so-called pre-amortization, or a period of three years in which only interest is paid.