Do you have debts with fast credits? We give you the keys to solve it as soon as possible

They say that "who pays rests and who charges more." Quick loans are designed to meet urgent payments, but if they are not returned on time, they can generate greater debts. To avoid these compromised situations, we propose some keys that will help you resolve your debts as soon as possible with fast loans .

One thing is the state of the general economy, with the Euribor at historic lows, and the domestic economy is quite another. When reaching the end of the month becomes a problem and debts begin to pile up, it is the definitive time to take action. The important thing is to make the right decisions as soon as possible and avoid that the debts increase.

Avoid ruin

Sometimes quick loans are used to meet an expense that was not planned. For example, car breakdown, home repairs, buying a school uniform for children or buying tickets for a concert of your favorite group. The reason is indifferent. With fast loans, you have the money you need in your account almost immediately, but whenever one of these microloans is requested, it must be done responsibly . Your concession is subject to a quick return, as in the case of CréditoSí , which has a period of 30 days.

Quick loans are a very useful solution to meet urgent expenses, but keep in mind that non-payment leads to the accumulation of interest that can generate a greater debt . It is important that you remember that they are not long-term credits, but are intended to be returned with your next income.

An economical solution

Often those who request a quick loan have money in fixed or term deposit or checking accounts. It is money that is saved for important expenses such as renovating the house or buying a car. Taking a part of that "amortized" money to pay the debts contracted with fast loans can be an economical solution.

It is true that banks give a more or less high interest rate for having money deposited in savings, and that money stops generating when it is withdrawn. But comparatively, it is a saving to stop earning the interest that the bank could give us for the investment fund, if the interest on an unpaid debt of a microcredit is taken into account.

By taking a part of the money saved to pay a debt, you prevent the interest on the debt from increasing , therefore you contribute to saving. In short, it is preferable to stop earning a little with the money saved, than to end up losing because of the interest on the debts incurred. Eliminate debts first and save later .

Keys to solve it

We are going to give you 6 keys to solve your debts, if you are in a hurry:

If your loan has not expired, you can request an extension by paying only the interest. This way you will have more time to solve your situation.
Organize your debts : write the name of each fast credit company, the due date of the loan and the amount to pay. Use a calendar to be clear about your payments.
Get in touch with the companies that have lent you the money if you see that you will not be able to pay. They will help you find a solution.
Do not ask for more fast loans until you pay your debts.
Consider doing a debt reunification .
In extreme cases, you can resort to the figure of the Mediator Agent of the Spanish Association of Microloans.

In summary, keep in mind that microloans are very useful in case of need, but they have to be repaid on the due date, therefore ask only what you will be able to pay .

Loan Amount

€ 300

Duration of the Loan

30 days

Expiration date
06/23/2020
Interest
€ 75
Opening commission
€ 30
Total to pay
€ 405
APR mini loan
3752 %
TIN
307 %

* YOU CAN ONLY REQUEST MORE THAN € 300 FROM YOUR SECOND LOAN (CAPITAL AND EARNED INTEREST).

Loan information

Apply for a Loan

EUROPEAN STANDARD INFORMATION ON CONSUMER CREDIT

1. Identity and contact details of the lender and / or the intermediary.

Lender:	PooleFinance Pennsylvania, SL
Address:	Roane Avenue, 32, 3º, 08006 Dornsife
Email:	Unsubscribe [email protected]
Website address:	www.welcometopoole.co.uk
Registry:	Registered in the Mercantile Registry of Navarra. Volume 1620 Folio 129 Sheet NA3213

2. Description of the main characteristics of the credit product.

Type of credit.	Consumer credit. Distance credit to consumers.
Total amount of the credit. That is, the maximum amount or the sum of all the amounts put to disposition of the consumer in the framework of a credit agreement.	{Loans.Amount} euros
Conditions governing the disposition of funds. That is, when and how the consumer will get the money.	Once the Loan Agreement is perfected, the Lender will make a transfer for the amount of the Loan to the bank account that has been provided by the Borrower in the Loan Application or will make the requested amounts available to the client for withdrawal through Hal Cash.
Duration of the credit agreement.	The Borrower must pay the Lender within {Loans.Term} days, the payment date being the following: When the aforementioned payment date coincides with a day considered non-business as provided in the General Conditions, the payment must be made on the day skillful immediately following. Notwithstanding the foregoing, the Borrower may extend the term of the loan in accordance with the conditions set forth in the General Conditions.
The terms and, where appropriate, the order in which the installment payments will be made.	A single payment of the Loan amount plus interest and / or expenses and must be paid by the Borrower to the current account indicated by the Lender at the time of repaying the Loan, which includes the amount of {Loans.Amount} euros per principal. and {Loans.LoanFees} euros for accrued interest.
Total amount that you must pay. That is, the amount of capital borrowed plus interest and expenses related to your credit.	{repayable} euros The total amount to be paid by the Borrower will depend on the total amount of the loan granted and the term of the Loan.

3. Credit costs.

Debtor type	The annual interest rate is {annual_interest}%
Annual equivalent rate (APR): The APR is the total cost of the credit expressed as an annual percentage of the total amount of the credit. The APR is used to compare different offers.	APR {apr}% being: the number of credits paid by the lender the sequence number of the credits paid by the lender (decline) credit (decline) in the period the total number of credits paid by the borrower the sequence number of the credits paid by the borrower (repayment) the credit (refund) of the period , Y Y is the interval, expressed in years and annual fractions, between the date of the first credit and the date of the credit or . ( = 0) The APR does not include costs derived from late payment (made after the payment date), nor the costs derived from notifications of payment claim or recovery management.
Is it mandatory to obtain the credit itself, or under the conditions offered, - take out an insurance policy that guarantees the credit, or - another ancillary service? If the costs of these services are not known to the lender, they are not included in the APR.	No.
Related costs.
Conditions in which the aforementioned expenses related to the credit agreement can be modified	The aforementioned costs may only be increased in case of extension of the loan or late payments, as detailed in the following section
Costs in case of late payments. Failure to make a payment may have serious consequences (for example, forced sale) and make it difficult to obtain a loan.	In the event of non-payment on the due date of the Loan: The Borrower shall pay a penalty for late payment, that is, for late payments, of 1.00% daily with a maximum of 100% of the principal, in addition to the unpaid amount. The Borrower shall pay the reasonable costs incurred in his location in the event of a change of address of which he has not informed us. The Borrower shall pay the reasonable costs incurred by the Lender up to the full repayment of the loan and the costs associated with it, including, where appropriate, those relating to the claim for debtor positions. In the event of a delay in the repayment of the loan, the Lender reserves the right to judicially claim the repayment of the loan, to transfer its credit rights against the borrower or to communicate the situation of default, upon request, to the common files equity and credit solvency.

4. Other important legal aspects.

Right of withdrawal from the contract. You have the right to withdraw from the loan agreement within 14 calendar days.	The Borrower may unilaterally withdraw from the Loan contract without having to justify it, within fourteen (14) calendar days, counting from what later happens: i) the Positive Loan Resolution date; ii) the date the Lender made the transfer or made the funds available to the Borrower or; iii) the date the Borrower receives a copy of the Contract. In case of withdrawal, the Borrower will not have to pay the Lender any penalty. In order to withdraw from the loan, the Borrower will send the Lender a written communication that will include the full name and DNI / NIE of the Borrower, a statement of their willingness to withdraw from the Loan, early repayment schedule of the financing, reference number of the current contract , place and date of request and signature of the Borrower. The withdrawal shall be deemed to have been made if, before the deadline to withdraw, the Borrower had sent the withdrawal notice to the address of the Lender.
Early repayment: You have the right to prepay the credit in full or in part at any time.	The Borrower has the right to repay the Loan, in whole or in part, at any time before the agreed maturity date.
The lender is entitled to compensation in case of early repayment.	In the event of early repayment, the Borrower will be entitled to a reduction in the total cost of the Loan, which will be proportional to the duration of the Loan that remains to elapse. For its part, the Lender will be entitled to fair and objectively justified compensation for the possible costs directly derived from the early repayment of the Loan. The compensation may not exceed 0.5% of the amount of the Loan repaid in advance.
Querying a database.	The lender must inform you immediately and free of charge of the result of a database query, if based on such a query the credit application is rejected. This does not apply if the dissemination of that information is prohibited by the legislation on the protection of personal data or is contrary to the objectives of public order or public safety. The Lender may collect information related to the credit history and risk positions of entities providing information services on financial solvency and credit (in particular, the Credit Service of Asnef-Equifax and Experian / Badexcug) for analysis and, in your case, granting, monitoring and control of financing.
Right to a project of the credit agreement. You have the right, upon request, to obtain a copy of the draft credit agreement free of charge. This provision will not apply if, at the time of the request, the lender is not willing to enter into the credit agreement with you.	The Borrower is entitled, upon request, to obtain a copy of the draft loan agreement free of charge. This provision shall not apply if, at the time of the request, the Lender is not willing to enter into the Loan contract with the Borrower.
Period during which the lender is bound by the pre-contractual information.	The information will be valid for {Loans.Term} days from its delivery to the Loan Applicant.

5. Additional information in the event of distance marketing of financial services.

a) Relating to the lender
Lender:	PooleFinance Pennsylvania, SL
Address:	Roane Avenue, 32, 3º, 08006 Dornsife
Email:	Unsubscribe [email protected]
Website address:	www.welcometopoole.co.uk
Registry:	Registered in the Mercantile Registry of Navarra. Volume 1620 Folio 129 Sheet NA3213
Supervisory authority	It is not subject to supervision by the Bank of Spain
b) Relating to the credit agreement
Exercise of the right of withdrawal.	The Borrower may unilaterally withdraw from the Loan contract without the need to justify it, within fourteen (14) calendar days, counting from, whichever is later: i) the Positive Loan Resolution date; ii) the date the Lender made the transfer or made the funds available to the Borrower or; iii) the date the Borrower receives a copy of the Contract. In case of withdrawal, the Borrower will not have to pay the Lender any penalty. The Borrower must communicate his intention to exercise the right of withdrawal to the Lender, a procedure that allows the notification to be recorded in any way admitted by law. In the communication you must indicate your full name; your DNI number; the manifestation of their willingness to withdraw the Loan, early repayment schedule of the financing, reference number of the current contract, place and date of request and signature of the Borrower. It should be sent to the following address: Roane Avenue, 32, 3rd, 08006 Dornsife.
The legislation that the lender accepts as the basis for establishing relations with you before the conclusion of the credit agreement.	Spanish legislation and, specifically, by common civil law.
Clause on the applicable legislation that governs in relation to the credit agreement and / or competent court.	The Loan Agreement will be governed by Spanish law and, specifically, by common civil law. The Parties submit, at their option, for the resolution of conflicts and renouncing any other jurisdiction, to the courts and tribunals of the Borrower's domicile.
If applicable, language regime	Pre-contractual information (including offers, where appropriate) and contractual terms will be provided in Spanish.
	During the term of the Loan, with your consent, we will communicate with you in Spanish.
c) Relating to the resource
Existence and access to extrajudicial claim and appeal procedures	There are no extrajudicial procedures of third parties made available by the Lender for resolution of claim and appeal for the consumer. In any case, any consumer, for the resolution of online disputes in consumer matters in accordance with article 14.1 of Regulation (EU) 524/2013, can go to the online dispute resolution platform provided by the European Commission, which is It is available at the following link: http://ec.europa.eu/consumers/odr/. Said platform is applicable only to consumers (Borrowers) residing in the European Economic Area who have a claim against the Lender. It is, therefore, incompatible with consumer disputes located in third countries outside the European Economic Area. Note that the Lender is neither obliged nor assumes any commitment to use the indicated channel enabled for the resolution of conflicts with its Borrowers. In any case you have any complaints or concerns, please contact us by sending an email to the following email address [email protected] or writing to us at the following address: Roane Avenue, 32, 3rd, 08006 Dornsife. We also remind you that for any claim you can go to any consumer office.