Requesting loans by cell phone is a reality thanks to the online presence of lenders. One of the advantages they have is that you can do it from anywhere without the need for a computer.
What are immediate cell phone loans?
Cell phone credits are loans offered by entities online. To obtain a cell phone credit, you simply have to choose the one that suits you best, check which entity offers this service and request it by sending your data. The only thing you have to do afterwards is waiting for the loan to be approved and receive the money.
Types of mobile loans
When you consider requesting money, depending on the needs and the amount of money, you can opt for two types of credit:
- Loans: in this case it is an amount offered by the financial institution that adjusts to the needs of the client. There are some entities that allow more money while you have this credit. The amounts can reach $100,000 pesos and the terms to return it is usually greater than 12 months.
- Microcredits or immediate loans: it is a type of financing that is used for unforeseen situations in which a large amount of money is not needed. They tend to be, at most, up to $10,000 pesos. The terms to return the money are usually short, almost never exceeding 6 months.
How to apply for a cell phone loan?
- Generally, the time needed to request the credit is 20 minutes. To do so, you have to follow these steps:
- First, in our list of 모바일대출, compare and choose the one that best suits your needs.
- Once you have chosen the one that interests you the most, you have to click on the “Request” button. You will be redirected to the entity page.
- Next, you have to apply for the loan that interests you. Confirm your data through the means they make available to you.
- Once the data sent has been confirmed and the loan application is approved, they will send the money to the bank account that you have attached.
Hire a credit by cell phone through the banking app
The process of applying for loans through mobile applications on cell phones is different from the other forms. In addition, most financial institutions only allow you to request them if you are already a customer. The steps to follow are those:
- Within the app of the bank or lender, you will need to access the financing section.
- Next, you have to select the loan you want to contract.
- You can use the simulators to choose the amount and the term. You will also be able to see the monthly payments to be paid and the total debt that you will incur if you request the loan in question.
- Next, you have to confirm that the data is correct.
- It is very important that you read the contract in detail and accept the clauses if you agree with them.
After checking the corresponding boxes, the lender will send the money to your account. The transaction is usually instant, since it is the same account you have with the bank.
