Cash loans direct lenders only: a quick way to get guaranteed cash online
You need a cash loan direct lender and you cannot wait days or weeks. You do not want to pass a bank filter since you know that you will have to wait a long time so that you may not be granted the loan you urgently need. Is there an alternative to bank loans that is reliable? Yes, there is.
Thanks to the evolution of financial products, credit institutions have been born, which grant cash loans direct lender to individuals quickly and without waiting. The procedures of these entities are reduced by operating directly online, which makes it very fast to approve or deny your request.
The fundamental advantage of this company is that it also operates with the Cash Converter store network. This makes it easier for you to not have to wait to receive the money in your account since you also have the option of moving to any physical store and collecting your money personally. This also offers the security of dealing with people instead of online platforms if this is a topic that worries you at any given time.
What does Sineos offer
Grant of fast money from € 50 to € 300, if this is your first time. From requesting your second mini-credit, you can request up to 500 euros.
The repayment terms are a maximum of 30 days and a minimum of 5. The shorter the term chosen to repay your loan, the lower the interest to be paid.
How do I apply for my microcredit online?
You just have to enter their website Sineos.es and choose the amount of money you want and the deadline to make the return.
The next step will be to verify your identity and present the supporting documentation.
Finally, you just have to wait to receive the money in your bank account or go to a Cash Converter store to receive your loan in hand.
The good thing about this type of online loans is the speed and convenience of asking for your money without leaving home. However, if you have any questions about the process you have a help tab at your disposal.
Requirements and documentation to request a mini-loan
If something characterizes the fast money financial companies is the little paperwork and flexibility of the conditions that you must meet to make the request. In the case of Sineos, in order to access a fast credit you will have to meet the following points:
- Be of legal age and not exceed 70 years of age. The documentation you will need to prove this requirement is a legible photocopy of your NIE or DNI.
- Be a Spanish resident and have a bank account in Spain, of which you are the owner. You will have to attach a bank receipt showing your account number and the name of the holder.
- Demonstrable monthly income: You do not need a payroll but you will have to justify a recurring income (unemployment benefit, retirement, pension etc.). With a receipt or bank statement, where your income is reflected, it will be enough.
What interest do Sineos credits have?
The fees or expenses associated with Sineos.es credits have an APR of 3.75%. These interests are annual, so these expenses are lower since the maximum return is 30 days.
Imagine that you need an injection of € 300.00 to cover your children’s school expenses or exceed the cost of January. You receive the money in your account or in hand, and after a month you will have to return the 300 euros requested along with the interest, which would amount to 105 euros. Surely you see it clearer than calculating percentages.
What happens if I cannot pay my loan on the date indicated?
You can ask for an extension in case you cannot pay the borrowed money. However, this has an associated cost of 21% of the requested amount.
Returning to the previous example, if you ask for an extension in the return of the microcredit of 300s euros, you will have to add € 63.00 more. If the irregularity continues, a daily cost of 1.4% per day will be added (4.2 euros for each day of late payment following the example).
As we always recommend in Topcréditos, it is best to make the repayment of the mini-loan on the agreed date. This way, you won’t pay more for your credit.
What do Sineos customers think?
This is the summary of the opinions collected from more than 50 Sineos customers. In general, these points stand out:
That he is a member of the Spanish microcredit association (AEMIP) and that he has the online son seal of trust with two values highlighted by his users. When hiring a financial product, it is very important to have references to its credibility and service.
Being able to dispose of money immediately through a physical business is another positive factor. You can wait to receive the money in the bank, but if it is really urgent to have the possibility of picking it up physically it gives you peace of mind.
At all times you know what you are going to pay for your money, the repayment time and the conditions of the microloan. There is no small print, no trap or cardboard. Users who requested a loan in Sineos have a high level of satisfaction with the information received when hiring.
Financial institutions that grant microcredits in Spain: Here you can find all the information about the companies that grant loans to individuals online in Spain. All of them are trusted companies that have been operating for several years. None of these companies require houses or mortgages as a requirement, in Topcreditos we do not recommend lenders of this type.
Free credits without interest: Of course, this is considered the best option if you are going to request a timely loan. There are several companies that offer microcredits at 0% of expenses and interest. Check where you can ask for free money-saving your commissions.
Fast online personal loans: If you are looking for a loan of a higher amount, we recommend that you see all the options you have available on the internet.
Loans for people who appear in Financial credit institution: You may find yourself in this situation and are tired of the banks not giving you credit. Here you can find those companies for which delinquent listings are not a problem and starting.
Online credit cards to gain liquidity: Other allies when it comes to having the income to overcome an economic downturn are credit cards. These cards allow you to have money quickly when you need it and make the returns month by month.
Credits without payroll or guarantee: If you are looking for companies that grant loans without large requirements, we invite you to consult all the information. You will be able to verify that for online loans it is not necessary to get guaranteed or to present a payroll.