The mini credits are living a great time. Its main characteristics: quickness in hiring and requirements to hire a very simple mini loan to meet, have made it the ideal option for those seeking urgent financing to cover certain types of unforeseen expenses.
However, like any financing product, you must meet a series of requirements if you want to be granted a mini loan. That these conditions are not complicated to meet does not mean that you can hire a mini loan in any way.
That is why we will now see what are the essential requirements that you must take into account to grant you the mini credit you have requested.
The requirements of mini credits
The financial institutions that grant mini credits do not force you to meet certain conditions so that you can access their mini credits as strict as those of a bank to get one of their loans but there are some conditions that you have to meet. And these conditions and requirements for hiring a mini loan are:
Have a source of income
In order to request a mini loan and that the entity grants it to you before, it will ensure that you have a source of income with which you can face the payment of the mini credit in its entirety.
If you do not have any source of income that guarantees that you will not have problems of non-payment, it is really difficult to be granted a mini loan.
Of legal age and resident in Spain
This is another quite common condition. If you are not of legal age you can forget that you can hire a mini loan even, sometimes they require you to have a minimum age, which is usually 21 years or 25 years.
Another important condition and that is also an indispensable requirement is that you live and have your official residence in Spain.
Although there are entities that do not have this last condition and they are worth it to grant you a mini credit with which you reside in a country of the European Union.
Have an account your name: Before requesting a mini credit make sure you have an account in your name. This account will help you to receive the money from the mini loan and to make your refund when the established period of time ends.
In any case, there are credit institutions that will give you access to financing even if you are on a list of delinquents but the conditions will be quite bad, with very high interest rates and associated commissions and expenses quite high so it would not be advisable. to hire This type of mini credit with these conditions.
Other important information
Two requirements to hire an essential mini loan to be granted is to have an electronic mail account and a mobile phone number. It may seem silly, being in the hyperconnected world in which we are, that most of us have several email accounts and there are even more mobiles than inhabitants but it is worth mentioning just in case.
It is also important that you have this date at hand to expedite the process of hiring the mini loan since it is information that they will ask for at the moment.
Requirements to get mini credit if you are on a list of delinquents
It is not the best idea to request a mini loan if you are on a list of delinquents because their conditions are quite high, in case they grant it to you.