Are you a pensioner and have financial problems? If so, you’ve probably taken some time to research your options on the internet, right?
The loan for pensioner may be the exit you need to get out of a financial hole you may also have financing for vehicles or real estate financing.
Loan for pensioner or payroll loan?
The main credit options available to those who are pensioners are the loan for pensioners and the payroll loan . But what are the differences between these two modalities?
The payroll loan is a type of credit offered to individuals in which the installments are deducted directly from the payroll or the retirement of the applicant.
That is, only persons with a formal contract, pensioners or civil servants can apply for a payroll loan, since the salary or benefit received is used as a guarantee that the loan agreement will be fulfilled.
Loan for pensioner
Already the online pensioner loan is a type of unsecured personal loan. This means that the applicant does not need to present his pensioner’s benefit (salary) as collateral to obtain the loan.
In addition, the payment terms are more flexible, since the amount is not charged directly to the benefit of the contractor.
Why apply for a pensioner loan?
The loan for pensioners has several advantages for those who are beneficiaries of , as follows:
1. Can be done totally online
The online pensioner loan can be done all over the internet. This means that you do not have to go to the bank to make the request.
As the process happens completely online, the loan for pensioner is faster, allowing you to have access to the money within 48 hours after the request.
2. You have greater flexibility on the expiration date
You will see the maturity date of your installments during the simulation of the loan for pensioners and if you feel good, you can apply for the loan at the same time.
Once it has been approved, if there is any unforeseen you can request the payment extension, increasing the period for payment of your installments. This flexibility on the payment date will help keep you out of charges and fines if there is a delay.
3. The value of the installments does not depend on your benefit
When applying for a payroll loan, the total amount awarded and the value of the installments will be set by the bank according to the benefit you receive.
In the loan for pensioners, in addition to assessing your benefit received , your bank history and your credit score are also evaluated, which allows us to offer more fair conditions according to your financial profile.
4. It is totally safe and without bureaucracy
The loan for pensioners through the internet is totally safe. You do not have to make any payment to receive the money and it will only take a few minutes to make the request.
How to apply for a pensioner loan?
Making your loan application for pensioner is very simple, just follow the steps below:
- Access our main page ;
- Simulate the desired value and number of plots;
- Click on “Apply for my loan”;
- Enter the requested data – remembering that the account must be in your name;
- Wait for our return – see here the possible answers;
- If approved, expect the amount to fall into your account within 48 hours.