Do you need a loan quickly? Are you in a personal situation where traditional banks do not grant you credit?
- Unemployment situation
- Your name is inscribed in a delinquent file
- You do not have a guarantor to support your credit application
- You have monthly income but not a payroll as such
These circumstances cause banks to see your profile with a lot of risk and therefore the refusal to grant money is usually the answer. Do not worry, because thanks to advances in the financial products sector today there are alternative ways to get money quickly and safely, such as Hogechea.
As soon as next business day easy title loans online from us
You can benefit from the easy online title loans offered by (stansmithloans.com) using your car as collateral.
The fact that you use your car as collateral does not mean that you will have to physically leave it somewhere until you return the loan. You can continue using your car at all times until the money back.
Depending on the car model, its state and the years it has, you will be able to qualify for more credit. From € 500 to € 15,000 to be returned within a month to 6 months. The return period can be extended by requesting an extension of up to 6 more months.
How do I apply for my loan?
The money request system is very simple and you will not have to go to any office to apply. You just have to follow the following steps:
- Enter the Hogechea website by clicking here: Once inside, fill in the application form that you will find when you press the button, do you need money?
- Fill in the information: You will need to include only some information about your car, registration, model, year and personal data (name, mail, telephone).
- Enter the amount of money you want to request: In the same form, enter the amount of money you want to borrow.
- Request response: In a maximum period of 30 minutes you will receive the answer about your credit and a personalized offer, after they study your situation and the model and brand of your vehicle.
- Signing the contract and delivering the money: If the proposal interests you, the last step is to sign the contract and receive the money in hand. To do this, a meeting is closed to carry out these steps.
As you will see, the process is quite simple and you will have an Hogechea advisor at your disposal to explain any questions that may arise. The delivery of the money is immediate after the signing of the contract. In less than 48 hours you can have your credit signed and the money in your hand.
What interest will I have to pay?
These types of credits have no opening costs, no fees for management or cancellation. Interest is fixed at 10% APR applied to the amount of money received and the repayment term.
The shorter the repayment term, the lower the interest. Therefore, if you have the security of being able to return the money in 3 months, it will always be more advisable to return it in 6 months or in a year.
What happens if I can’t pay the loan
One of the facilities of Hogechea is the possibility of extending your loan over time. To do this, you have the option to request an extension of a maximum of 6 months more than the initial term.
If, even after requesting the extension, you are still unable to pay the credit, it is important that you know that procedures will be initiated to collect that debt, being able to get to court. Also, remember that even if you continue using your car, your vehicle is the guarantee of your loan, so they could execute that guarantee and keep your car.
Therefore, it is very important that in case of any unforeseen event that does not allow you to repay your loan on time, contact Hogechea. In this way, you can try to reach an agreement and find the best solution before you can lose your car.
Requirements and documentation to ask for your money
It is important that you know that this financial institution currently only operates in Madrid and Barcelona and its surroundings. The rest of the communities are gradually expanding their services, but to be able to benefit from their fast credits at the moment you can only do so if you reside in these two cities or their surroundings.
The documentation you will need is as follows:
- Document proving your residence in Spain: NID or IRE
- Vehicle data sheet: This file is necessary to be able to make the loan contract, since the vehicle data appears here.
- Driving license: This document is necessary, since your name appears here as the car holder.
Customer reviews about Car Go
The factors best valued by customers who have already requested a loan with Car go are:
Speed and transparency: Speed is one of the qualities that most raise its customers. The application management is very fast via internet and the response in 30 minutes is real. From the moment you send your request until they study it and they contact you to see the proposal and sign it, it doesn’t take more than 48 hours.
This time compared to what it would take to sign a loan at a bank branch is very fast.
Transparency is another of the outstanding advantages. At all times you know the interest you will have to pay, the time and term of return. The truth ahead is one of the premises of this company.
Continue using your car: You don’t have to have a payroll or physical endorsement, and the biggest advantage is that you can use your car at all times. You have fast money without losing your car.
Although Hogechea presents itself as a great opportunity to request a quick loan before requesting a personal loan, it is best to compare with other companies that also grant this type of credit.