I’m in default! Can I make a personal loan to be denied?
When we owe it, an alternative to thinking is to make a personal loan. With it, you can pay off your debts, especially those with high interest rates, such as credit card debt.
However, getting a paycheck-deductible loan will not be a simple task. It’s easy to understand why: financial institutions want to lend money to those who have a guarantee they will pay.
If you are in default, she understands that you are not a good payer, and you can leave it in hand when it comes to paying the money you took on the loan. To avoid taking risks, personal credit is often denied.
By not trusting the payer profile of whoever has the name dirty, financial institutions are more cautious to make loan to negative. But there are some options for those who need an extra buck.
Loan options for negative
Finding a personal loan to be negative is a challenge, but it is not an impossible task.
The first option is to accept options with higher interest rates. That way, the financial institution will trust you more. But you need control, because if you delay the installments, interest will be very high.
In addition to the situation you get twisted into another debt. And this, without a doubt, is not the intention to ask for a loan.
The second option is the payroll loan. It is a good option for the negatives, since it guarantees the payment of installments to the financial institution. So the chance of the customer being accepted, even with the dirty name, is greater.
In the consigned loan the installments are directly discounted on the customer’s payroll. That is, you can not forget to pay or simply not make the payment for lack of money.
This is a guarantee for the institutions.
These are the two most common options for someone with a dirty name: raising the interest rate on the loan or opting for a payroll loan. It is important to remember that the two options need to be studied before hiring.
Opting for high interest is good only for those who will actually commit to paying the installments on time. Remember: if you are defaulted, at some point you could not control your finances.
And doing this with this personal loan option is not a good idea. The chance that you sink further is high. So, opt for it only if you will actually be able to pay the installments before the due date.
The paycheck loan option is a good one for those who can plan the financial life with the salary that remains after the payment of the installment value.
Remember: you will receive less per month. Making a financial check before hiring this option is necessary. So you avoid surprises when the paycheck drops and see that you are “missing a part”.
Why do companies deny loans to those who are negatived?
The companies deny the personal loan to negatives because a person with bad payer history may fail to pay again. That is, there are doubts that a defaulter will have to pay for the credit he has received.
It is a necessary care. Because this situation is bad for both the company that will grant the loan because it will not receive the money back, when to the customer, who will have more debt.
Where To Make Personal Loan For Negative?
If you are in debt, you probably want to make the loan soon. For this, you can opt for a loan to negativado online. You do not have to leave the house, go to several banks, talk to different people. You can do it all online. And the money goes straight into your account.
Count on Spoliam Corber to make your loan online for negatives. Just fill in the information with your data and your profile will be analyzed. If you are accepted, you will receive a notification and soon the money will fall into your account. It is a practical, no-bureaucratic way for anyone who is in need of quick cash.
If you have any questions, please let us know. We are here to answer any questions: whether to choose the best loan option, questions in the middle of the application process or general finance questions.
Is online loan for negatives safe?
Nowadays, it is possible to contract various online services. From market shopping to hiring auto insurance (and rely on Gollum for that, huh! Check out why Gollum’s loan is reliable). And applying for your personal loan would not be any different.
Spoliam Corber has a partnership with Easier Crediter, an experienced company specialized in financial products. That is, you can trust: with us, your data will be safe and your loan will be fast, easy and simple.