Your loan is the loan that allows employees (private and state) and retirees to obtain sums of various amounts. Moreover, it also allows you to get a debt consolidation if you already have other open loans.

In today’s guide we will talk about Your Loan , of the different types of options that it makes available to customers and the opinions of those who have already tried to rely on this group.

Read our guide and you’ll find out everything you need to know!

Index

  • The types of financing offered
  • Debt consolidation with Your Loan
  • Your loan for protested subjects
  • Opportunities for temporary workers
  • What do you need to ask the question?
  • Times to get the money
  • The interest to be paid on what amount?
  • Opinions and reviews on your loan

The types of financing offered

This credit brokerage company offers the possibility of requesting loans with salary-backed loans to pensioners, employees and state employees (for an indefinite period).

Pensioners can obtain a loan by transferring their pension to a fifth, obtaining low rates. The loan repayment duration ranges from 24 months to 120 months. You can decide the duration of the loan and have the fixed rate and the fixed and constant installment.

Employees of public or state administrations can obtain the loan through the transfer of the fifth with reduced rates.

The duration to repay the loan ranges from 24 months to 120 months. You can decide both the duration of the loan and the fixed rate and have the fixed and constant installment. The installments also include two mandatory insurance policies in the event of loss of employment and life risk.

The employees of Private Spa Companies, historical and large Cooperatives and Srl can have the loan through the sale of the fifth with convenient rates. Also in this case the duration to repay the loan ranges from 24 months to 120 months.

You can decide both the duration of the loan and the fixed rate and have the fixed and constant installment. Also in this case, the installments also include two mandatory insurance policies in the event of loss of employment and life risk.

Debt consolidation with Your Loan

Debt consolidation with Your Loan

Allows you to pay off all the accumulated loans by combining them into a single monthly installment to be paid to your loan. Paying off all the loans by turning them into one installment saves money that would otherwise end up paying for interest rates.

You can choose to recalculate the installment according to your financial resources and even to have a lighter monthly payment. You can also choose to extend the loan repayment time depending on your needs.

Your loan for protested subjects

Your loan for protested subjects

It is not indicated if your loan consents to grant loans to protested parties or if you are on the list of bad payers. It is possible to know if Your Loan will grant the sum only by asking information to a representative in a branch.

The bank will need to analyze the situation to decide whether to go ahead with the loan application. The salary-back assignment often still helps to get the loan, at favorable rates and with repayment plans of up to 10 years, but there are no guarantees.

Opportunities for temporary workers

Opportunities for temporary workers

Also in this case it is not indicated if your loan consents to grant loans to subjects with a fixed-term contract. It is possible to know if the company will grant the sum only by asking information to an appointee in a branch.

In general, to get money from temporary workers, the number of installments must always not exceed the remaining months of the contract. We cannot assure you that your loan consents to the loan request of a temporary worker.

What do you need to ask the question?

What do you need to ask the question?

To have a loan with a fifth assignment loan with Your Loan it is necessary to provide:

  • A valid identity document;
  • The pension, the pay slip or the last tax return (useful only to the self-employed).

Who has been protested and also who is on the list of bad payers has the same obligations to provide the bank with the same documents. No need to bring more documents to the bank. Your loan will take care of the rest.

Times to get the money

money

Often, for the loan application with a fifth assignment, they expect only a few days. If the loan is requested at the branch, a person in charge will directly explain the details of the waiting time to obtain a loan with a salary-backed loan from Your Loan.

Also in this case we remind that the waiting times as well as the interest to be paid, may be subject to variations depending on the case and the amount requested from the institute. Each case is as different as any financial situation is.

The interest to be paid on what amount?

The interest to be paid on what amount?

To find out the interest rate, you can use a quote online or in a branch. The quote is not binding and is totally free. The estimate also lets you know the TAN and the APR or the interest rate and the synthetic total cost of the loan or the cost of the loan application fees.

Checking the TAN and the APR is important and useful to understand which are the most convenient rates. Through research you can save money on interest so it is advisable to check before applying for the loan.