Summer is a time when the head boils us with ideas and projects, we also have time thanks to the holidays to embark on personal adventures whether it is a trip, the makeover of a house or a whim that we have been meditating for years. However, we tend to run into the lack of funding to cover all these purposes. Of course, we would do badly by letting ourselves be discouraged by this lack of liquidity because there are ways, as we will see later, to consummate our dream. And, of course, comfortable and with guarantees.
In this way, from our loan comparator we want to tell you about Good Finance.es, whose success and credibility are guaranteed by more than 10 million customers and the 3 billion euros they have already granted. But let’s go in parts and make the appropriate presentations, because we want you to have no doubt about Good Finance and the small miracles that our domestic economy can work.
Where does Good Finance come from?
Good Finance has not come out of nowhere, but belongs to the credit line of the 4Finance group, a multinational specialist in online consumer loans with leading brands such as Vivus, SMSCredit and Good Finance.
4Finance started in 2008 and is based in Riga (Latvia). In addition, it operates in countless countries such as Argentina, Armenia, Bulgaria, Czech Republic, Denmark, Finland, Georgia, Latvia, Lithuania, Mexico, Poland, Romania, Spain, Sweden and the United States. In short, it has won a place in multiple markets and won the trust of a large clientele.
In the financial sector, they boast of being transparent with users and having abolished the fine print of their loans, since they are open and clear, they presume, with their clients.
They are also flexible in payment, but we will see in a later section how this aspect is specified.
Who can apply for a personal loan?
The profile of people who can avail themselves of a loan such as those offered by Good Finance meets the following conditions. So pay attention to the description because they may be making your own robot portrait:
- Lives in Spain
- Be between 25 and 70 years old
- Have a valid identity document (DNI / NIE)
- Be in possession of a mobile phone number and a bank account
- Being able to repay the loan amount within the established term. That is, a payroll, a retirement or unemployment pension, among others.
- Provide all necessary information and documentation
How much can the loan amount be?
If you want to apply for a loan in Good Finance, you should know that your first application should not exceed 800 euros, although in subsequent credit claims you can get up to 2.500 euros that you can pay within two years.
In short, the first loan becomes a kind of contact and a way of testing the client, in addition to knowing their commitment to paying the loan.
Once again, and as usual in the world of online loans, we have a simulator to calculate the amount and term for repayment that can vary between 3 months and 2 years, as we mentioned.
Regarding the time we must wait until the money materializes in our account, it fluctuates between two hours and 48 hours depending on where we have our bank account. In this sense, it is best that we inform ourselves in the financial of what is the catalog of banks where you have an account to find out if the transfer is going to take a long time or is going to be fast.
Of course, at this time the 24 hours you must wait to know if your application has been approved are added.
Deferment of credit payment
In Good Finance keep in mind that certain contingencies that prevent us or make it very difficult for us to repay the loan may occur on occasion. For these cases, and in their eagerness to offer flexibility, they allow the client to postpone the payment of the quota up to two times, although they cannot be consecutive.
For this to be possible these conditions must concur:
- You must be up to date on the loan payment
- Not having requested the previous month
- Have made at least two monthly installment payments on your loan
- There must be at least 20 days left before the end of the loan term
In addition, this postponement of the payment can be done online from the same Good Finance account of the client, although it is true that this delay entails a small cost and therefore is not free. To do this you must access your account from where you can calculate how much it would cost you to delay the payment of your loan.
They also have an extension service for the loan amount that you already have in progress. In this way, if you want to expand it, you can manage it from your account. In it they will ask you to complete some data and later they will confirm if this end is possible.
Interest and TIN in Good Finance
And now we will turn to a practical example to illustrate how interest is left for a loan in Good Finance, specifically in the case of a request for 1,000 euros. In this case, since 116.30% of APR is paid, we would have to face a monthly fee that we would pay for twelve months of 145 euros. That is, we would leave for a total of 1,735 euros.
In sum, there is no reason to park the projects this summer as we can take them forward with personal loans such as those granted by Good Finance. Of course, in our comparator, like Mary Poppins’ purse, we have more and more loans to consume all your projects and not frustrate even one of your aspirations. Go ahead, let the credit flow