Banks are not the best option if you want to ask for a loan while being on the list of delinquents. In fact they are one of the options to rule out if you want to be able to access financing.
Credit being on delinquent list
Prestamistas.es allows you to access a loan being on the list of delinquents. We actively study your request to know your economic and financial situation and to offer you return conditions adjusted exactly to your ability to pay.
Requirements to access a credit being on the list of delinquents
Prestamistas.es is not a fast credit company to use. We never deliver money without actively studying the application and assessing its real risk.
We do not open financing if we see that the applicant is in an alley with no economic and financial exit that will inevitably lead to the execution of the guarantee.
Prestamistas.es acts as an intermediary between a wide network of private online lenders who are willing to lend you the money you need in exchange for an interest. However, these lenders want to make sure that they will see their money returned, for that reason to access a line of credit being on the list of delinquents through Prestamistas.es you need to meet two requirements.
- Have a real estate property. This will act as a guarantee against an unlikely event of default (we have never had to execute any guarantee since we started our activity).
- Need at least $ 20,000. This is the minimum amount our loans should have. The fixed expenses that we assume during the study and opening of credit lines (administrative expenses, notaries, agencies, fees of our financial and real estate advisors…) are so great that it is not profitable to open financing lines for amounts less than that figure.
Characteristics of your credit being on the list of delinquents
If the applicant meets the above two conditions, we will proceed to study his application to gather all the necessary information about his personal or business economic and financial situation.
We need to know the reasons that have led to the need of a loan being on the list of delinquents, if there are debts with several different debtors, the amount owed, if there are seizure and auction processes on the applicant’s assets…
If our financial advisors determine that the situation is traceable, we will open a financing line after signing the loan, being on the list of delinquents with the notary of Spain that the client chooses.
Credit being on the list of delinquents to your needs
The applicant can choose how, when, in how long and under what conditions to return their credit being on the list of delinquents.
Our goal is never to execute the guarantee but to get our debtors to return credit to the lender satisfactorily.