Credits with financial credit institution
Being able to request mini-credits with Victoamsa has many advantages, in addition to being able to obtain your first free credit, you can request loans with financial credit institution, or any other delinquent file in which you are included. Provided the debt is less than 1000 euros.
Victoamsa is a solution for all those who thought they could not apply for fast credits.
We can access money quickly with Victoamsa in those moments of lack of liquidity due to some unforeseen.
You can apply for credits online with financial credit institution from 50 to 600 euros, 300 euros if you are a new customer.
How to apply for urgent loans with Victoamsa?
Applying for an urgent loan with Victoamsa is very easy, you just have to visit their website, fill out a simple form with your personal data.
Once you make your request and the loan conditions are accepted (Amount and term) you must verify your economic situation with one of the following systems:
- Perform an analysis through Instantor, for which we will simply need the bank account number where we want to receive the money, of which you must be the owner.
- Send the required documents to the email address that Victoamsa supplies.
The documentation necessary to complete the online loan application with Victoamsa will be: Scanned ID, bank receipt of the account you have provided to enter the money to verify that you are the holder and a document that proves that you receive periodic income of any kind (No necessarily payroll).
Whichever system you use, it is much simpler than it seems and will take only a few minutes.
To finalize the application for your credit you will receive an SMS to your mobile phone in less than 15 minutes with the response from Victoamsa to your instance to get the fast credit.
You must have an operational mobile phone number since Victoamsa performs all its communications via SMS regularly.
Once you receive the SMS message you will know if your request has been approved or denied, when it is approved you will receive in the SMS a personal verification code that you will need to be able to receive the mini-credit money in your bank account.
Online credit confirmation with Victoamsa
To confirm the credit agreement and receive our money we have the last step that will be to go to the Victoamsa website, and within our personal area we must accept the final terms and conditions of the loan and enter the verification code that has been sent to us by SMS. This point is very important, without that code we will not receive the money.
The money can be entered immediately if your bank account is one of the entities with which Victoamsa works regularly or 24 and 48 hours otherwise.
Victoamsa Internet Credit Requirements
The requirements to apply for credits with Victoamsa are:
- Be between 25 and 65 years old.
- Be a resident in Spain.
- Not have debts greater than 1,000 euros.
- Demonstrate periodic income (it doesn’t have to be a payroll)
The debt should not be with banks even if it is less than 1,000 euros.
Although we have Spanish nationality we must reside in Spain to be able to get the Victoamsa credit online.
The income can be pensions, or unemployment benefits, or even income from rental of real estate, not necessarily have to present a payroll, we can be unemployed.
Compliance with these requirements does not mean that we can get the money, each case will be analyzed based on the possible risks of default.
How to return a Victoamsa loan?
Returning the credit money with Victoamsa is very easy, it is done through a single installment with the total amount of the credit and its interests and commissions (remember that your first credit is free if it is less than 300 euros).
We can make the payment of the fee directly at the bank window, by bank transfer or by charging it to our credit or debit card from any ATM.
What happens if I can’t pay Victoamsa’s credit on time?
If the deadline for payment of the credit has arrived, we do not have enough money to face it, we can defer the loan.
This postponement involves a commission established in advance in the contract that can be: 7 days for 14 euros, 14 days for 20 euros and 30 days for 39 euros.
If we cannot face the repayment of the credit or with the postponement, penalties for delay will be generated, through which we would generate an interest of 1% of the loan amount each day. With a maximum of two and a half times the APR established9 of the credit, by law.
If the payment of the credit without payroll continues being delayed we can be included in files of Moors like financial credit institution or others limiting our possibility of obtaining credit in the future.