There are many advantages that fast loans with FCI have offered their applicants over the years. This solution has been quite innovative within the financial sector. Next, we will explain what this type of loans consist of, how you can apply for them and what is FCI.
What is FCI?
The acronym FCI refers to the Financial Credit Institutions. It is a company that, among its tasks, has to register a list with personal data of people who have generated a debt throughout their life with a company or bank.
This is the largest Spanish registry that exists in this regard. There is no minimum amount necessary to be in it. On many occasions, the amount of money claimed is much smaller than estimated; This is because, sometimes, if the client considers it unfair, he may not pay it, getting his name to remain on the FCI list for the time being.
Leave the FCI lists
The presence in this type of lists of defaults can reach up to 6 years. Meanwhile, the person who is in FCI can not apply for bank loans, access a mobile phone contract, finance household appliances or access any other source of financing, whatever its nature.
To get out of this list what you have to do is pay the debt.
Quick Credits with FCI
Now, because there are many circumstances that can lead you to the list of FCI or RAI (another registry of popular defaults in Spain), entities related to the economy that work online have developed a series of credits and loans for people who are in this situation and need to request one.
Maybe you do not know, but if you are on a list of defaulters, no bank will grant you a loan, no matter how small it may be. That is why these services have proliferated in recent years.
The financial crisis that took place in Spain has forced banks to tighten the conditions for obtaining credit to protect their interests. Currently, if you want to request a service like this through an organization of this type you must not only not be in FCI, but have a payroll and a guarantor.
With fast online credits, in most cases, this does not happen in the same way.
How to know if you are in FCI?
The different companies that can transfer your data to this association, by law are obliged to keep you informed at all times, and when 30 calendar days pass after the last payment notice will be responsible for moving your data to be included in the record.
Many people are unaware of this fact and may want to be interested in knowing whether or not they are in the registry before those 30 days are completed. At the end of the day, you may end up with a debt that you do not remember due to a change of address or mobile phone that has prevented you from keeping up to date with the notices.
The main reason does not really matter, what is advisable is that you do your best to know if you figure or not in this record. In order to do so, you have several options: email, contact phone or approaching you personally.
You are in FCI and you need money
From Astro Finance we offer the possibility to our customers to access loans quickly and easily through our platform. We are not going to ask the reasons for your entry in the FCI lists, nor are we going to demand a payroll to access this service.
We want our client to be able to cover their expenses in the best way possible and we will do everything in our power to do so.
Characteristics of these loans
These credits can be used to obtain up to 800 euros that will be deposited in your bank account in a matter of hours. In case you do not have a clear agreement with your main bank, this process could be extended up to 48 hours, but no longer.
From the beginning you will know the interest to be paid and what are the repayment terms that you have, which vary between 1 week and 6 weeks. These are very short deadlines because we do not want the client to be forced to pay a higher interest rate, given that the amount of money requested is not excessive.
We want you to be informed at all times of the entire process in order to be able to decide freely and without pressure.
Advantages of applying for an online credit
The power to perform this type of procedures through your computer has many associated advantages, mainly related to peace and comfort.
Think you will not have to make large queues, or fill out several forms. You only have to provide your personal data once and without any haste.
In addition, being able to do it from your home offers you the possibility of thinking quietly, talking to a second person. In short, take your time to understand the whole process and know what you really want, without any external pressure that may arise from being in a bank with a line of people behind, or having to respond to a worker with security.
Other advantages of this credit
As we have already mentioned, the requirements to apply for this type of credit are minimal. You do not need a guarantor or a payroll, you simply have to prove that you have regular income but it does not have to be derived from a current employment contract.
Simplicity, without bureaucratic procedures, without extra or hidden expenses, a quick loan with FCI brings many positive aspects to improve the client’s conditions.
Why can these credits be requested?
Apply for a loan being in FCI can have several purposes, the first of them, curiously, could be to pay the accumulated debt and leave the registry of this entity allowing you an improvement in your quality of life in relation to hiring services, to apply for other loans more forward, etc.
Moreover, many times this aspect is not taken into account and from here we believe that it is very important to shuffle and solve this situation; in the future you will appreciate it.
In other occasions, its use can be derived to the home and personal space. Many times it is necessary to make an investment to improve some of the rooms of the house or change the furniture. When you do not have enough money you are lengthening this process; This could lead to major problems that could affect comfort and even health.
Another reason why a credit of this type could be used is to pay the expenses caused by an accident. These occur and are unpredictable; It is convenient to integrate them into the day-to-day planning. Therefore, it is important to know that you can count on the extra help to deal with the breakdown of the kitchen, the accident experienced with the car, etc.
There are even reasons related to seizing an opportunity. Many times, paying something in advance (a flight, Christmas gifts and even a part of the school or university registration) allows you to pay the amount with a discount applied to the original price, as long as you do it within the deadline. validity of the offer. For this reason, in many occasions it is important to assess whether this process should be carried out or not in order to achieve long-term benefits.
Aspects to consider
As a recommendation we believe that you must take into account certain aspects before carrying out a procedure like this. It is true that the conditions to be met are simple and that you will not need anything extraordinary to face this credit.
However, we believe that making a decision of this kind always has to be something clear about what you do not have doubts. Thus, you must contrast all the variables that will influence the cost of your loan. We refer to the interest rate and the repayment period, mainly two factors that will greatly affect your purchasing power.
The main purpose of this loan is to offer you the possibility of solving a specific problem, preventing it from being delayed or delayed. It is what you must really take into account and question yourself before filling out the application form.
Apply and live quietly
If you have arrived here and you know that you are going to solve your problem, from Astro Finance we encourage you to enter our website and get to know our fast credit service with FCI. It’s time to improve your quality of life, leave those accumulated bills resolved and even help yourself out of the debt record while thinking about improvements to your future well-being.