Loans and Credits in Twinero Solocitar Online
The Spanish company Tvinero, namely via SMS minicrédito SL It has long established itself as a successful organization in the local credit market, specializing in loans and fast microcredits and, previously had the name via SMS and recently made a rebranding.
People between 21 and 70 years old, who live in Spain, can request money from this company, who can show evidence of regular income (salary, pensions, benefits), as well as not have debts of more than two thousand dollars in the CIREX lists and BADEXCUG. If you are applying for a loan for the first time, you can be allowed Twinero single amount of 300 dollars, the second time you can safely request for a maximum of $ 450, and all subsequent times you will be allowed to increase the amount of 600 dollars. The Commission is always 35% of the maximum authorized period - 30 days.
Equivalent Annual Rate depends on the requested amount and term. This can be checked by using a special calculator on their website. Suppose that you have to pay the loan is 100 dollars for 30 days. In total, within the established term, you will have to pay 35 dollars, which is 3752% of the cost of the credit.
The potential borrower will have access to all pertinent information, and with the help of a personal account he can read and sign the conditions of the loan contract, he will receive an email and SMS. A positive decision on the loan is completely dependent on the reputation of the borrower, that is, on the basis of his krelitnoy history, existing debt, and other data.
The company helps you in any way possible to avoid delay and offers a number of useful features for easy payment. You can postpone the day of payment, obviously, notifying Tvinero specialists. This requires paying a small fee, and you can roll back the payment date for a period of 7 to 30 days.
So how will you be able to repay the loan:
- Recharge card to another through a personal account on the site or by calling the company number,
- By bank transfer to the company account, which can be done with your usual account
- A payment in cash, which can be made through a bank branch teller or in a special box, bank - partners (all except La Caixa).
An interesting feature is the many discounts for regular customers, who often take microloans. These discounts also apply to ViaSMS customers, and can reach 25%.
So, 15% discount in relation to applicants for money for the second time and successfully extinguishes the primary loan.
Positive customers who request credit for the third time receive a discount of 20%. And those who have successfully paid off the third loan, can easily take advantage of a 25% discount.
However, microcredits can help out only in emergency situations, and not get carried away by them all the time, because they have a rather large commission.