Advantages of requesting a personal loan without payroll:
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The last year has been a good year for the sector of personal loans without payroll or personal loans without payroll, since the number of transactions within this sector grew compared to the previous year, especially in regions such as Barcelona and Madrid. But what are online personal loans?
At the beginning of the year 2000, so-called fast loans were born in Spain, which consisted of a private person, or bank, lending a quantity of money, not very large, to another person for a certain time. This first idea was growing and consolidating within the Spanish ‘online’ market. There are more and more private entities that offer this service through the network, and not physically, since the Internet has completely transformed the financial sector in Spain and in the rest of the world.
These are small money personal loans that are used to meet unexpected expenses, a kind of urgent money. They are requested online, and because they are easy to request, and because you do not have to enter too much personal information, more and more people are opting for this type of financing. In addition, once the personal loan is approved, it can take just a few minutes to obtain the money in the bank account indicated when requesting the loan.
But what are the advantages that have led to the growth of personal loans ?
Despite the fact that the amounts are usually small, they are personal loans without payroll that can be requested very easily and comfortably, one of the reasons why Internet users prefer this option instead of approaching their bank.
Almost everyone can request one of these credits without payroll. This is surely one of the most important factors for the growth of this type of financing. To request this relatively small amount of money, you do not need to present any type of payroll or guarantee. A factor that helps people opt for this option.
Although it is a relatively new trend, the growth of the network and of the users of it, is linked to the increase and consolidation of this sector. The more people connected the more chances that citizens who request personal loans online will increase.
In addition there are different indicators that make us think that the sector will continue to boom. There is recent news that encourages this growth. This is the judgment of the Court of Justice of the European Union that obliges Spanish banks to return what is overcharged for the floor clauses from their application.
After the judgment of the Court of Justice of the European Union, according to some experts, it could lead banks to put new conditions on loans without payroll that allow them to recover the money from the fine. That is, they could ask for more by lending money to citizens.
The measure will cost entities more than 3,000 million USD and therefore will directly affect their economic balances. For this reason, it is not surprising that in order to recover this money, banks change the conditions of their financial products, among which are personal loans.
A measure that could lead Spaniards to stop using traditional financial institutions if money is needed, especially if it is not a very high amount. Instead, it seems that citizens could increasingly opt for the Internet. Given the aforementioned advantages and obstacles that would be encountered with traditional banking, it seems that the online lending sector will continue to grow.