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How to make easy money with mini-credits
Mini-credits are financing products designed to offer quick and easy money with little paperwork. They are requested and granted through the Internet to private equity lenders.
With this type of credits, we can get up to 750 euros in just 15 minutes to reimburse in a maximum period of 30 days. Its cost is around 1.1% per day, so 100 euros lent to 30 days will generate 33 euros in interest. The way to reimburse them is a single payment composed of capital plus interest so, following the previous example, on the indicated date we should reimburse 133 euros in total.
These loans are designed to get easy money in the face of unforeseen contingencies that require an immediate economic response for which we do not have the necessary capital.
How to earn easy money responsibly
Although mini-credits are a quick and convenient alternative to earn easy money, we must bear in mind that their characteristics are not the same as other financing products. Knowing how they work is essential to be able to request them responsibly.
On the one hand, we have the particularity of the form of reimbursement, as we have seen, the mini-credits that offer easy money online must be returned in a single payment consisting of the money requested plus interest accrued. So we must be completely sure that we will have enough economic capacity to face their repayment without unbalancing our economy.
On the other hand, it is also important to take into account the maximum term for their return, which rarely exceeds 30 days, so that the refund of the money we request must be made within a maximum period of one month.
In addition, it is also important to take into account that these loans are designed to deal with specific incidentals, so it is not advisable to use them on a regular basis, but only in cases where you really need to raise capital to solve a specific problem.
What do I need to get easy money online
Although making easy money with mini-credits is relatively simple, it will be necessary to comply with a series of basic conditions so that the lender considers that we have a valid profile to repay the money without problems. Although each entity may determine its own requirements, the vast majority will request the following:
- Have a source of income that we receive on a monthly basis and lengthened in time, enough to cope with the repayment of credit without problems and demonstrable by an official document such as a payroll or VAT declaration in case of being self-employed.
- Have reached the age of majority or be over 21 or 25 years old.
- Be a resident in Spain permanently and have a valid identity document that proves it.
- Not be registered in a file of defaulters or have outstanding debts.
When will I receive the mini-credit money?
The minicréditos are characterized, among other advantages, by the speed with which we can request and obtain in our account. These financing products will allow us to have the money in only 15 minutes from the request. However, it can happen that even if the entity has confirmed the acceptance of our request and has made the transfer order, the money takes up to two days to arrive.
This delay is due to the particularity of bank transfers since although transfers of money are immediate between accounts of the same bank, transfers between different banks will take more time. The mini-credits only have accounts in some banks in the country to send the capital to their users, so if we go to a lender who does not have an account in the same bank like us, we will take longer to receive the money.
Is it possible to get mini-credits without payroll?
Yes. As we have seen, getting easy money without a payroll is not a problem as long as we have sufficient, regular and justifiable alternative income to enable us to meet the credit reimbursement. If we have a payment that meets these three characteristics, we can access any type of financing. Pensioners, the self-employed and people with unemployment benefits are some examples of alternative financing to the payroll that will be given as valid.