Advance on your payroll without having to ask your company
Would you like to have an advance on your payroll without having to ask your company?
Solantes is a company that offers you an advance on your payroll so that you can enjoy those opportunities that are presented to you and that for lack of liquidity you let out. How many times have you said the following? I can’t, we are at the end of the month!
Solantes gives you a mini online loan of up to 500 euros (if you are a new customer you will have a limit of € 250), through a simple system through the internet. Forget about paperwork, reports and meetings with banks. Best of all, it is you, and only you, who sets the conditions of your mini-loan. In less than 24 hours, Solantes guarantees you to have your money regardless of your bank. So, who doesn’t ask for a down payment on their payroll?
How do I ask my small credit to Solantes
Life passes quickly and small moments are what remains. This is the Solantes slogan. They want to make things easy for those who want a whim at the end of the month, or have simply had a problem of punctual liquidity.
We are going to see how to request that online loan that you need in 4 steps:
- You decide: According to your needs, choose the amount of money and the time in which you want to return it. At most 30 days
- Fill in and send the “constant advance” request form.
- You receive an SMS with the acceptance or denial of your online loan request. Check the contract conditions that will reach your email. Answer the SMS an OK to accept your loan.
- In 5 minutes you can enjoy your money thanks to the Kash-Sha service: This system allows you to send money to a mobile phone number to be withdrawn at any ATM.
Through this Solantes calculator you will know at the moment the interests that you will have to pay for your mini loan.
For example, if you want a loan for € 300 to be repaid in 15 days, the total cost will be 349 euros. That is, the interest will be 49 euros. Quiet, there are no tricks. And if you have thought that the message you have to send will come out for triple its cost you can also be calm in this regard. The cost of the SMS will be equal to a normal message.
When you make the request you must be aware of your email inbox, since you will receive a welcome email if your request has been made correctly.
What is that about Kash-Sha?
It is a banking service that allows you to receive your money on the mobile phone in less than 10 minutes. You can withdraw it at any ATM that is registered to this system. Quiet, you will not have to spend hours looking for one of your ATMs, because surely there are some near your home. There are more than 12,000 ATMs in Spain. Best of all, you don’t need to be a customer of any of those banks, or use a credit card from it. You go to your cashier and withdraw the money. That easy. Of course, at the beginning, as a new customer you will not be able to opt for this system. First you have to gain the trust of Solantes. Once you are a customer you can enjoy the option to withdraw your money through this system.
How Kash-Sha is used
- To be able to use this system so quickly and have your loan online, you must indicate it in your request for “cash advance”.
- You will receive a secret key when approving the loan contract.
- Go to one of the many ATMs that are attached to Kash-Sha with your mobile number, the SMS key, the amount and the secret password they send you.
It’s easy right? In addition, you do not need to be a client of any of those banks to get the money. This way, you can get the money in your hand in less than 24 hours. Your payroll advance quickly.
Who can request a mini loan at Solantes?
As you will see the requirements to ask for your money are minimal, you do not need guarantees and the credit request operation will not take you more than five minutes:
- Be of age.
- Have periodic income (payroll, unemployment, pension).
- Receive the payment in a bank account and have a debit card from the same entity.
- Have a mobile number and an email.
You do not have to wait for any term to request another mini-loan. As you amortize one you can request another. The amount of the small credits that you can request will increase as Solantes’s confidence in your solvency grows. But remember that these types of loans should not be used repeatedly or to pay other debts. You should perceive it as a timely way to get money for a whim or cover an unexpected expense.
How to pay your mini credit
Unlike other companies, you do not have to make any transfer or deposit to return your mini-loan. You will be charged your debit card the day the deadline is met. You just have to worry that there is enough balance in the account. Keep in mind that your loan does not exceed your card’s daily limit. If so, talk to your bank to fix it.
If you return it before the deadline you will pay less. Go to the “my down payment” section and you can check the remaining money to pay. If you reduce the period of your loan, you will pay less interest for the money borrowed.
In order to extend your return term you have to pay some interest. These will depend on the amount of credit requested and the time of your extension. The limit is 30 more days.
In order to qualify for the extension option, it is important that you know that you have had to make a payment of at least the interest on the initial loan. It can be extended up to three times. We advise you not to use the option to extend your loan. It is better than before requesting your mini-loan, be sure if you can pay it in the pre-established term.
Penalties for non-payment
You will be charged € 20 for non-payment and 1% daily of the amount of your small credit. If an agreement is not reached to settle your debt, your account will be seized and you will be inscribed on the list of delinquents. You have to be careful because the fact of entering this type of listings such as Financial credit institution, closes the door to you to apply for another loan, not only in this financial institution but in the other loan companies.
Keep in mind that Solantes understands your mini-loans as a payroll advance. The solution to momentary liquidity problems. The small credit must be returned when you receive the following payroll.