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Yes Cash is a Spanish company belonging to the DFC Global Corp group, specialist in fast online mini credits around the world. Offer fast mini-credits of € 50 to € 800 to be returned within 30 days  in a simple, fast and total transparency, offering a virtual simulator with which you can calculate the interest and the total cost of the credit to request before sending your request. The main objective of Yes Cash is to provide a quick response to urgent short-term loan applications, offering a great customer service.

If what you need is to request fast loans, Yes Cash offers you the solution with loans that are requested in a simple, fast and without the need of paperwork, being able to have the money in your power in a matter of minutes.

How to apply for fast mini credits in Yes Cash?

To apply for quick mini online credits in Yes Cash, you just have to access their website here and indicate the amount to request and the desired return period. They will show you on screen the amount to be requested, the loan commission and the total amount to be paid within the expiration period. Once you accept your privacy policy and click on the following  button you will have to indicate your personal information and the bank account where the requested quick loan will be deposited. Finally you will have to indicate some additional data and validate your mobile phone, which will be the means by which they will contact you 

How do your mini quick credits work?

You can request fast mini credits online at Yes Cash 7 days a week, 24 hours a day. You can request € 50 to € 800 to return within 30 days. Keep in mind that the first loan you request will be a maximum of € 200 and the second of € 400. From the third loan you request you can get up to € 800 quickly and easily.

Your request will be answered as soon as possible, being the hours of service from Monday to Friday from 9 a.m. to 5 p.m. Your request is very simple and you can do it with a few clicks and by filling in the Yes Cash application form, you can have the money in your bank account in a matter of minutes.

Before applying for fast mini credits in Yes Cash, have a valid identity document (DNI or NIE), your mobile phone number that will be used to contact you and the bank account number, which will be where you receive the credit. You will have to send by email a copy of the DNI / NIE and the bank account card or a receipt where it appears.

Once you have sent the request they will contact you by email as soon as possible to send you the loan contract and the terms and conditions of the loan. Keep in mind that for the application to be approved you have to fulfill the loan requirements that we detail in the requirements section.

To return the requested loan you can do it through bank transfer. At the moment you request the loan they will send you the loan invoice by email, where they will indicate all the details of the loan return(amount and bank account number). You will be able to return the loan in advance to the repayment term of the same, paying only the interest of the days that you have in your power the money and if you return the money in the first 14 days you will not pay any additional cost.

What requirements have to comply?

The requirements that you have to meet to apply for quick mini credits in Yes Cash Spain are the following:

• You must be between 18 and 65 years old.
• You must be a resident in Spain and be in possession of an ID document or NIE. You will have to send a scanned copy of this document by email when making the request.
• A bank account number in your name. You will have to send a copy of the document or a bank receipt by email when making the request.
• Have a personal mobile phone, which will be used to contact you.
• Have monthly minimum income of € 500.
• Do not be in the Financial Credit Institutions / Equirts defaulter  registry.

It does not offer loans with Financial Credit Institutions, since it does not accept clients that are in these listings. If this is your situation we recommend that you try to leave Financial Credit Institutions as quickly as possible so that you get better loans and credits such as personal loans offered by banks.

Advantages of microcredits

The main advantage of Yes Cash’s quick microloans is the ease of your request, being able to do it completely online and in a matter of minutes, providing only your personal data. In addition, they will contact you quickly, indicating the acceptance of your application and the loan contract, with the terms and conditions to be fulfilled.

The customer is one of the strengths of Money Ok, having a customer phone where you can be contacted for any question, issue or question you may have. You can extend the loan that you request one more month if you need it, for this you will have to make a request to extend the term thereof and pay the amount of the commission for the first loan requested.

Another advantage is that the company works with total transparency, having a virtual simulator online where you can calculate the interest and the cost of the microcredit to request before making the request, knowing at all times how much you have to pay and when the term ends of the same. Finally, if you return the money before the indicated date you will only pay for the time you have had the money in your possession and if you return it in the first 14 days you will not pay any additional cost.

You can get more information on online mini fast loans and the best list of financial entities that offer them here. In this way you can get fast money for what you want without giving explanations or meet hardly any requirements.

If you want to expand your terrace, you usually can not afford this from financial reserves. A loan for terraced construction is being considered. Who owns a property and would like to grow a terrace on the come to considerable costs. Costs that can only be paid with a loan for terrace construction.

It is possible to apply for a modernization loan or an installment loan.

The construction of a terrace home

Credit for terrace construction – unbureaucratic – without land register

Finally you have moved into your dream house and you are satisfied, but it lacks a terrace. A terrace that can be entered directly from the living room or from the kitchen. There are several possibilities for this. The terrace can be built of stone or wood, with or without a substructure.

It should be so much space that at least an outdoor dining table and chairs find space. Several chairs and planters should come to a halt. You can roof a terrace, but it is also without a roof. There is no need to obtain permission from the Building Department if the terrace is not higher than 1 m.

Only 1 m above the plot height requires a registration at the building office. If you are not sure whether your terrace construction has to be registered, you should consult the building office.

Modernization loan – credit for terraced construction

With a modernization loan one should note that this shows special features. Thus, the credit for the terrace construction is earmarked, which means that it may only be used for this particular purpose.

The intended use is recorded in the loan agreement. Although the work in question is explained at the bank meeting, it is not part of the credit agreement.

If the loan amount is used for the construction of the terrace, the customer can freely dispose of the credit limit. However, the earmarking of the loan for the terrace construction also has positive aspects. The interest rate for the loan for terraced construction is far below that of the installment loan. However, the modernization loan will only be given to real estate owners.

A tenant would in any case not be authorized, without the owner’s consent, to make structural changes to the property. Therefore a tenant will not receive this loan.

Is own capital important for the credit for terraced construction?

When a higher loan amount is requested, some banks require the borrower to provide equity. So a certain sum of the estimated costs should be paid out of pocket. The rest can then be financed with a loan for terrace construction. Equity of about 20 to 30% is required.

If the terrace construction costs 25,000 euros, it should have a share of about 5,000 to 7,500 euros. Further protection is usually not required by the bank. However, it may be that with a higher loan amount an entry in the land register should be made. Such a land registry can prove beneficial for the borrower. He then receives a favorable interest rate. This should be a reason to think about proposing to the bank a voluntary entry in the land register, even if it incurs additional costs.

Pros and cons – credit for terraced construction

Anyone who applies for a modernization loan can benefit from a favorable interest rate, and that is where earmarking comes into play. Also, the duration can be chosen variable.

An entry in the land register creates an additional hedge, which lowers the interest rate. As a disadvantage can be considered that the credit can not be used freely, because there is a purpose limitation. If the bank demands equity, the liquidity is reduced. Also, registration in the land register incurs additional costs.

Calculation, application, disbursement – credit for the terraced construction

Anyone applying for a modernization loan should keep a close eye on the costs. This is important to determine the need for capital, on the other hand, banks without restructuring plan will not give credit.

Similarly, a credit comparison should be made with a loan calculator. This allows the borrower to look for a cheap lender. In the comparison simply the loan amount and the desired term is entered. As purpose of use “modernization” should be registered.

Immediately, the borrower will see a list of providers, with the best leading the list. With a modernization loan, banks provide loan sums of 10,000 to 50,000 euros. The term varies from 12 to 120 months.

Interest loan for terrace construction

Borrowers should make sure that the loan installments are set to fit the monthly budget. It should then be searched for a suitable term an affordable credit.

An extended term, however, raises the interest rate. Interest rates can vary widely.

Customers often have to reckon with an interest rate of about 2.75% to 10.99%. The borrower should be aware that an extension of the term also increases the interest rate on the loan for terrace construction.

Equally important is that since 2014 banks may no longer charge a processing fee. Basically, banks stick to it, but the customer should check that. When a credit comparison is made, not only the interest rate should be the focus, but also other factors such as special repayments.

Credit terms – credit for terraced construction

Just as with all other loans, care should also be taken in the modernization loan to ensure that special repayments are included in the credit agreement. Special repayments are additional payments to the loan amount within one year.

Especially the employee who receives special payments during the year, should pay attention, if he wants to pay these sums on his credit. If a loan is to be redeemed before its expiration, the bank can charge a prepayment penalty.

If special repayments are allowed, this compensation is waived. Banks allow about 10% of the loan amount as a special payment annually. Thus, a loan for terraced construction paid faster, without any disadvantages to the customer.

Credit for terrace construction – alternative to the modernization loan?

A modernization loan covers all aspects of a client who wants to keep his property in order. Nevertheless, it may be useful to look for a different form of credit.

Especially when the loan amount is not too high. Thus, borrowers are well advised with a installment loan without earmarking.

Although the interest rate is slightly higher, but the credit can be used freely. Again, can be searched for a suitable provider with a credit comparison.

What are loans over the internet

Universal access to the Internet has changed the world we know. This applies to virtually all areas of life, including those related to finances. This is especially important when it comes to borrowing, because today you can do it online without a problem! Let’s check what the loans are online , what are their types and see if it is easy to get such help.

Modern ways of borrowing

Sure – even before the advent of the Internet – some people dreamed that if it was, if you did not have to go to a bank or a non-bank institution for a loan, because all the formalities can be done at home. Perhaps those who thought so, did not think that it would become a reality. Today, after all, online loans are something normal, so everyone can take advantage of them. We do not have to waste time visiting the headquarters, everything is done efficiently, comfortably and with the observance of safety rules.

For whom? What are the requirements?

 

Online loans – as we mentioned – are actually available to everyone. This is sometimes the last resort for people who need fast, reliable support. You do not have to wait for money for a long time, because they often appear on your account within 15 minutes of submitting the application.
The most popular are short-term payday loans, which are granted for 30-60 days, and sometimes 90 days. Other willingly selected are installment loans (we will write more about both at the moment). To get them you do not need much effort: it is enough to first set up a customer account in a company of your choice. After completing the basic data, we will be asked for a list of income. And here, unlike in banks, we do not have to have a contract for an indefinite period, because other sources (for example contracts for a work) are respected. Once we have been verified, we can expect payment to your account. As you can see, this is a minimum of formalities and many benefits!
Short-term loans – when is it worth?

Non-bank short – term loans – as mentioned above – are very popular, and this state is not surprising, because you can get the necessary financial resources in an instant. And it is worth trying not to do it when we “need an injection” when we are in a difficult situation, because we need money, we do not have much, but the bill must match etc. In all these situations, such a fast cash is at a premium gold.

Loan on installments – for longer

In this situation, we borrow for a long time and naturally it is a higher amount. Established installments are so beneficial that we have no problem to pay off the commitment. And how trouble arises, in the vast majority of companies there is the possibility of extending the repayment period. Of course, for an additional fee. It is known that everyone can tuck up the leg, but there is nothing to break down, because we gain time to catch up. That’s why online loans in installments are now such popular offers.

Wise lending

Always – regardless of whether we borrow a small amount for a short time or more for several months – we must do it sensibly, analyzing our capabilities. The basic principle is obvious: what is borrowed must be given away and there is no chance for any deviations. We must be sure that we will be able to repay the loan.
Remember this because easy availability of money can obscure some of the reality, and hence the easy way to unnecessary trouble. As we mentioned, let’s repeat it again: let’s borrow, having a head on the back of the neck, that is, knowing why, with a clear repayment plan. It’s the most important!

Loans to new hires, an easy way to get new liquidity! Outcome in 24 hours.
If you want a new loan and do not have the possibility of a guarantor, the loan for new recruits offers you the possibility of obtaining a new availability of money to meet your needs. If you are just hired and would like to receive more information and a free estimate, fill out the form and within a few moments you will be contacted by one of our consultants.

Do you have any doubt to clarify or do you want answers concerning your position? Write us a comment in the space at the end of this article.

Newly recruited Loan: fixed time and indeterminate time

Getting a loan with a recent hire is never easy. We can classify three types of customers:

• who has never made loans (not registered)
• who is a good payer
• who has negative reports for late payments

In all 3 cases the type of employment contract plays a strategic role, so whether for a fixed or an indefinite period. Let’s see how these two conditions are combined.

• temporary contract : regardless of length of service, or the number of months of employment, an employee hired with a fixed-term contract (determined) will always need a guarantor, or a second signature that endorses his request for funding.
• indefinite contract : the guarantor is not always essential, as specified in the next paragraph of this article.

We therefore realize that making a fixed-term payroll is strictly linked to a second signature. But what happens if the first applicant is reported in Crif or otherwise in the databases for late payment? Let’s find out together.

Loans to Newly recruited Determined with alerts

Marina contacted us and wrote:

Hi, do I have a fixed-term contract can I apply for a loan even if I have been reported for a Fiditalia loan?

In this case, unfortunately, without solutions, there are no solutions to date. In the presence of problems in credit systems, access to credit for a worker translates into transfer of the fifth or delegated payment or loan. All these loans provide for the repayment of the installments by deduction on the paycheck. The figure of the guarantor is therefore not necessary.

But if I have a fixed-term contract? In this case the solution is to await the transformation indefinitely. A second signature, even if an excellent payer, will not help.

Loans to Permanent Loans

This type of contract, even if part time, opens a different scenario; a customer interested in financing can proceed with a single signature even if:

• uncensored, that is, if he has never made loans in the past
• bad payer
• protested or distraught
• too much indebted

It is therefore evident that this condition is clearly advantageous, but let’s see together what are the minimum conditions to be met:

• minimum length of work
• type of company in which you work

Is it possible to obtain loans with a 6-month contract ? Regarding the length of work and the type of company, to obtain a loan are necessary contracts of 6 months if employee of a Spa, Srl, Cooperative with at least 16 employees, 24 months if employees of an individual firm, sas, snc.

NB: calculation of the date of employment

The 6 months refer to the date indicated in the payroll as an assumption, not to the permanent transformation. For example:

• Mario: hiring on a pay slip 01/09/2017 – permanent transformation 01/02/2018 = calculation of the hiring date at 01/03/2018 = 6 months
• Luca: hiring on a pay slip 01/09/2017 – permanent transformation 01/12/2017 = calculation of the hiring date at 01/03/2018 = 6 months

New employee loans without guarantor

As we have seen before, the figure of the guarantor, if we talk about personal loans, can play a strategic role as long as the first applicant is not reported in the database.

But who does not have a second signature? Are there solutions for those without a guarantor? As mentioned in the previous paragraphs yes, but the advice is to proceed:

• with a personal loan request if you are a good payer, then already present in the databases as good customers. The important
  • do not be over-indebted
  • wait at least 12 months from the date of the last loan obtained.
• with assignment of the fifth for new employees as long as:
  • hired for a minimum of 6 months
  • with a permanent contract.

Are you a bad payer?

If employees of a Srl, SpA, Cooperative with more than 16 employees, even if newly hired, you can get the loan to newly hired employees. The assignment of the fifth new recruiter is the practical, easy and safe solution to obtain new liquidity.

Minimum requirements for employees of private companies

• srl, spa, cooperatives with a minimum of 16 employees
• minimum 6 month hiring
• permanent contract
• provision of severance pay in the company, at a fund
• are excluded : apprenticeship contracts and tfr cash settlement in payroll (quir)

For public and state employees, 3 months of employment are sufficient.

If employed by a private company, the aforementioned minimum requirements are essential. Fernando from Brescia contacted us, writing to us:

Good morning, my name is Fernando and I live in the province of Brescia. I can not get a personal loan because I am in Crif for a Compass loan and a badly-paid Agos credit card. I have been employed for 5 months in a spa with over 300 employees. I’m interested in a fifth assignment for new Findomestic employees, but I’m having difficulty because they tell me I do not have enough seniority. Can you help me? Are there loans just taken ? Can I make the transfer of the fifth just hired ?

In this case we had to wait one month, so as to satisfy the requirement of the minimum 6 months of recruitment. Fernando has obtained new liquidity, for a slightly lower amount than his needs, but he has also managed to carry out his projects.

Loans for new employees, why choose Financemm?

We are a credit brokerage company regularly registered in the OAM n M359 register. Our role is to broker loans and loans, that is, we find a list of active financial with our company, the best personalized offer according to your needs.

Unlike a bank or a loan agency, which only offer their products, we are interested in identifying the most convenient solution, without favoring one institution over another.

How does it work?

First you must fill out the contact form on our site; after a few minutes you will receive a call from us and you will talk to a consultant to analyze the real feasibility of your request. Obtained a simulation and a personalized estimate, you will arrange an appointment directly at home with one of our collaborators.

Where do you live? Rome, Savona, Florence, Naples, Milan, Palermo, Cagliari, Belluno, Taranto or Ancona ? Well, we are also present in your city. Our network is active throughout the national territory.

Working age for loans

When starting a new job (new employees) can you get a loan after the second paycheck?
Usually the loans are granted on the basis of seniority then only after the second paycheck, but often the signature of a guarantor is appreciated. If you do not know who to ask for help, the personal loan to employees will allow you to carry out your projects even if you are new.

The factor of seniority is not the only binding point for the issue of a loan.
It also depends on the rules and underwriting criteria of the various financial companies. In fact, if a financial company accepts the request for financing, it is not said that another financial company will do the same. The previous activity and work experience will also be the guarantor. If, in fact, before a new job was hired by a company and had a seniority of service, then the loan request will be easier and more plausible.

It remains to keep in mind your history at the database. It will therefore be important to see if you are already supported or if you have personal loans in progress. If your financial situation is good then it will be very likely to get a loan even for fairly large amounts. If, on the other hand, there is no historicity, the same can be requested for loans for sums not raised and at most one can ask for support from someone who acts as guarantor.