"Money in 30 minutes", "payday loans" and other quick loans are now actively offered by advertising. Of course, reasonable people are well aware that not everything is as simple as advertising slogans promise.
What if you really need money quickly, and preferably in just 30 minutes? It turns out that a quick loan can be obtained on very favorable terms, if you approach this business wisely.
Where to contact?
Borrow money on an ad, get a loan online, or still contact a bank - all these questions often arise for those who urgently need a certain amount for any needs. For a solvent person who has SNILS and a passport, and is able to provide information about the organization where he works, it is best to get a loan from a bank.
Some credit organizations, subject to the provision of documents from the place of work, can offer customers a loan on more favorable terms than when applying for a loan without certificates. "Fast money" without providing a package of documents and without guarantors, usually lend semi-criminal offices through very dubious schemes. Interest on loans in such organizations grows exponentially, and if the client is initially promised 20%, then in the end he can pay all 100, or even 200%.
If you take a loan from a bank, then you can be sure that all the nuances will be spelled out in the contract, and you will not have to wait for unpleasant surprises.
What to look for when applying for a loan
Overpayment on a loan always depends on the timing, amount and annual interest. It is worth considering that the rate of loans "in 30 minutes" is much higher than that of ordinary loans. However, the amounts issued by the bank in the first case are usually small. For example, without certificates, the amount of a "quick loan" usually does not exceed 50,000 rubles. If you provide the bank with all the necessary documents, this amount can increase to 200 thousand.
As for the return of funds taken from the bank, there are various options. Repaying a loan early is a good way to avoid overpayments. After all, it is mono to issue a loan for a year, and repay it within three to four months, in which case interest will have to be paid only for the months in which you used the money.
If, in addition to interest, a bank or other credit institution charges a commission for opening and maintaining an account, it is best to contact a loan officer with a request to calculate the overpayment. In this case, you can clearly imagine how profitable such a loan will be and whether it is worth applying for it.
Thus, it is quite possible to take a profitable loan in half an hour if you pay for it in advance and apply for a small amount.
Loan processing
To apply for a loan, you usually need to submit the following documents to the bank:
- passport;
- SSNILS;
- a completed questionnaire with personal data.
The application process usually takes no more than 15 minutes. After all the formalities have been met, you will need to wait for your application to be approved. After approval, you will need to read the loan agreement and sign it. This point is very important, because an inattentive reading of the contract can lead to many unpleasant surprises.
