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There are many ways to borrow money. If you search the market, the personal loan is one of them and has, in turn, various forms, such as payroll loan, or secured home loan. Personal credit, in all its forms, has the particularity that the bank or the financial provider will not require a specific purpose for the money lent. At this point, it differs from other types of credit, such as the financing of vehicles or real estate, in which the money should be used solely for these purposes.
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One of the types of personal loans is with the check-in guarantee. To make any type of payment you can issue this check and the money will be deducted from your account. If you have purchased a product, pay with the check, putting it in the name of the seller, that is, the person who will charge it. She will have time to charge you, which corresponds to the due date of that check.
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Although the check as a means of payment has lost ground in recent times, it remains a standard form of transaction and has many advantages. One of them is the practicality at the moment of making the payment: you do not have to go to some branch of the bank and queue to pay with cash or with a ticket. The discount is made automatically from your credit limit. That way, you will not have to walk around with a lot of cash in sight, you just need to have your check.
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If you are self-employed, the most convenient way to apply for a loan can be by check. For the autonomous, it is not always so easy to get a loan. There are many banks and financial institutions that only have payroll loans, in which you have to have a payroll. At other times, there is the possibility that the financiers give credit to freelancers, but the interest rates are very high. With the check, interest rates are lower, and the reason for this will be explained below.
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To make a personal loan with a collateral check, many lenders and banks will give you a certain repayment term. If this period is, in this case, 12 months, each of those installments shall have a corresponding maturity date. The important thing is always to organize your budget well so that you can reset your credit limit on time so that your account does not run out of money. To get a clearer idea, many entities allow you to make a loan simulation, where you can check the number of times, the interest corresponding to these installments, and the due dates.
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At the time the personal loan is contracted with a guaranteed check, the installments in which the return will be made will be established. The number of benefits will be equal to the number of check sheets that you should leave in the bank or the financial as collateral. Thus, if the payment term is 12 times, you will have to deliver to the financial 12 check sheets filled with the value of the installments, with the due dates.
What are the Interest Rates on Credits?
Another of the advantages of a secured personal loan is that interest rates can be more or less low. This is the result of the credit analysis done previously, in which you must prove your monthly income, which is proof that payment can be made. Moreover, as the name implies, checks are given as collateral.
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Remember that interest is calculated according to the risk that the credit represents for the company. If the chances of not getting the money back are higher, the higher the interest. In this case, when counting on the check and when checking the monthly income, the risk that the customer does not pay is much lower than in other modalities such as simple personal credit with no guarantee.
The interest rates in question vary from 3.5% to 15% in most cases, depending on the financial. Some are characterized by lower interest rates than others.
If I need a loan, what to chose: payday loan companies Nebraska or banks?
The following banks and financial institutions allow you to pay by check to guarantee a personal loan. To know the value of the installments with their interest rates in each case, you can do a simulation.
Best payday loans Nebraska are very advantageous, with good interest rates and an installment term of up to 24 months. The documents required to contract are the RG, CPF; proof of income and proof of residence. The installments are fixed and the payment of each of them may be made on the due dates of each check sheet. Our company specializes in several lines of personal credit, always offering the best option to the client.
PortoCred. PortoCred is a funder born in the city of Porto Alegre in 1996 and from there it grew as its loan offer diversified. The personal loan with check allows obtaining up to $ 3 thousand, with a term of up to 36 months. There is the possibility of making the payment of the first installment up to 60 days after obtaining the credit. The money requested enters the account in a matter of minutes, being approved quickly after a brief analysis.
Banco Ibi. With Banco Ibi, the credit limit on the personal loan with a check can be up to $ 1,000. The payment will be made automatically by Ibi, without you having to worry about paying the installments each due date. The payment term will be up to 24 times, with competitive interest rates. Also, you may choose to pay the first installment within 45 days after making the credit.