Instant Payday Loans in 15 Minutes

Instant Payday Loans in 15 Minutes

All about instant payday loans to be able to have the money you need in 15 minutes.

But, before requesting any type of loan, it is necessary to decide if that money is really needed and if it is at that particular moment. Loans are a quick and easy solution, but a commitment is made and you have to assume that you are buying the money . Instant loans were created to be used responsibly and at specific times, not as a usual form of financing.

The lender companies that grant this type of loans take into account the financial behavior of their clients, in case they detect that they make an irresponsible use of their loans and credits, they can refuse the granting of new credits even if the client has paid their debt without incidents.


How to request an instant payday loan or credit?

How to request an instant payday loan or credit?

The process of requesting an instant payday loan or instant credit is very simple and is available to anyone, it can be done by phone, by Internet from anywhere or through mobile applications. It is very important that, before deciding on a particular lender, several of them are consulted through the quick credit comparators to be able to decide on the one that offers the best conditions for each specific case. Once we have decided on a loan company or another, we must follow the following steps:

  • Know the amount that is going to be requested . It is advisable to ask only for the amount that is really needed, since the greater the amount of money borrowed, the greater the interest will be. Some lenders grant the first loan to a new client without charging interest; however, the amount initially borrowed is usually low.


  • Enter the website of the company in the case of requesting an instant credit online . On the home page of private equity companies, all the information regarding their credits is offered, including the amount that will have to be repaid and the amount of time they give to do so. Through a simple calculator, you can know exactly how much money will be paid depending on the days that are chosen to return the money . The deadline for the return of instant credits or loans is usually very short for small amounts, for a maximum of one month.


  • Learn about the credit conditions . If it is possible to return it before the agreed deadline and thus pay less interest or if it is possible to request an extension in case of not being able to deal with the debt within the agreed period of time.


  • Find out which banks the chosen lender works with . If you work with the same bank in which the current account that is going to be presented to receive the money is, it can be enjoyed in 10-15 minutes; otherwise, the money could take between 24 and 48 hours to arrive.


  • Do not be discouraged if a company denies credit . Each of them has their conditions and requirements to access their loans and credits, some are more flexible than others, so if one has denied a loan, it is possible to request it from another lender.


  • Be aware of real personal circumstances . Quick credits are an attractive solution. Knowing that you can have the money you need in 15 minutes is really tempting. However, it is necessary to be sure that this money will be returned within the agreed period of time ; If not, it is better to look for other solutions. Not returning a loan, even for a small amount, can have consequences that will make it necessary to pay a greater amount of money and, in addition, other credits can not be requested to other private equity companies or to banking entities.


  • Choosing the right credit. Some lenders have specific loans for 18-year-olds. Through them, studies can be financed in a timely manner or any other need. In general, when making a request for a small amount of money it is not necessary to give explanations of the use that is going to be given, but it is necessary that each person uses that money responsibly and only at times when it is really necessary.


  • In case of being included in a list of defaulters , some private equity companies accept clients in this situation. But it will be necessary to know their conditions, since some accept customers who have incurred a debt that does not exceed 500 euros and others accept customers with debts of up to 2,500 euros. However, almost none will accept a customer whose debt has been contracted with a bank through any of its products or with another private equity company.


Payday loan to employees

The payday loan to employees is the form of credit

ideal for salaried workers

The loan to employees meets the personal needs of the workers
employees, is a secured loan with direct deduction in payroll.

  • For state, public, private employees.
  • Fixed installment for the entire duration of the sale.
  • Fixed rate for the whole duration.
  • Refund times from 24 to 120 months.
  • Without spending purposes.
  • Directly to your home.
  • Also in the presence of other loans or mortgages.
  • Feasibility No problem for bad payers.
  • Even in the presence of protests and foreclosures.

It is possible to access the loan to employees through the products: transfer of the fifth and payment delegation.

Main features

The ideal loan to meet the personal needs of an employee. No need to own a checking account. What you need is your paycheck.

With the sale the installment is deducted directly from the paycheck.

The secured loan, also known as a loan by assignment of the fifth, is a  personal financing not finalized. It is disbursed with a fixed interest rate, repayment in constant installments up to 120 months.

The installment includes all ancillary costs, insurance costs for life and job risk, principal and interest. As a non-finalized loan, the amount received can be used for any reason without any expense justification or purpose requested by the provider.

In practice, the assignment of the fifth salary, is a form of loan suitable for obtaining liquidity for each type of purchase: car, restructuring, marriage, travel, welfare, health and other needs.

It is up to the employer to repay the installment amount monthly, retaining it from the employee’s paycheck, who used this form of loan to finance his purchases or for personal liquidity.

The employer himself assumes the responsibility of punctually and regularly making payroll deductions in favor of the lender. If the employer is a private company, he / she will undertake to limit the employee’s termination indemnity to the Beneficent Company until the end of the loan.

The amount of the installment of a loan by assignment of the fifth is calculated based on the net salary of the employee and can not exceed 1/5 (one fifth) of the same.

The loan by assignment of the fifth salary is aimed at all categories of workers, both state, public and private, as provided by the original regulations of 1950 (the 180/1950) and, following the latest laws on the matter, is become a right also for many companies pensioners.

The loan by assignment of the fifth can be voluntarily terminated in advance, with the payment of a penalty on the residual debt (the penalty is usually 1%). The residual debt is the portion of the loan (by way of capital, which does not include interest) that the debtor still has to pay to the creditor.

The sale of the V is covered by law by specific insurance policies: life risk and employment risk.

The first protects the customer and therefore his heirs in case of premorence, the second in the eventuality of the loss of work for reasons not dependent on his will.