Same loan idea can be related to a longer repayment term
Payroll advances from Content
Cash and sound money in the form of a payroll advance. This is how Content presents its mini-credit service, a service that presents potential clients with complete transparency.
Microcredits may, on some occasions, contain harder conditions than might seem a priori. This is not the case for Content, which from the outset shows the nature of its financial product and does not hide that it is a form of financing only suitable for special situations that require urgent liquidity.
It is appreciated that Content put the cards on the table from the first moment. We can hardly say that we did not know the conditions in detail, since its website shows clear and detailed information that leaves little room for doubt or misinterpretation.
Advance: the concept of Content credits
At Content they have preferred to call their loans “Payroll Advance”, as a way of implying that it is money that must be repaid in a short period of time.
This is very common in all microloans, but the same loan idea can be related to a longer repayment term, while what Content wants is for the repayment to be made as soon as possible. Hence, they have chosen to grant that name despite the fact that it is a microcredit to use.
The amounts and the term of these ” advances “, oscillate between 50 and 1000 USD to be returned in a maximum of 30 days. As is already common practice in these companies, if we are new clients we will not be able to choose the maximum, but there will be a limit that can be extended in the future if the first experience is satisfactory for everyone. In the case of Content, that initial limit is 300 USD but it does not apply in all cases (it will depend on your situation).
Request advances of up to 500 USD in Content
Content is a financial institution with fast online mini loans where it is possible to obtain advances of up to 500 USD to be repaid within a maximum period of 30 days. Your application is very simple, through an online application form and it is possible to have the quick money in 10 minutes and without the need to carry out any type of paperwork.
If you need fast money through cash advances you can get it, without explanations, they will not ask you why you need the money. The management of their mini loans is 100% online, thus being able to cover your specific needs for lack of liquidity in a simple, fast and without guarantee.
Who can apply for a Content credit?
To have access to the service, we must comply with a series of conditions that will determine the response by Content. The first is to be over 21 years old, resident in Spain, and also, we must demonstrate recurring income, either by payroll or any other document that can attest that said income is sufficient and stable.
In any case, the income must be received through a bank and we must have a debit card associated with the account we have in it. This is an essential requirement, since the means of collection, by default, is the charge on the card, so if we do not have one, we must request it if we want to have access to Content’s microcredits.
Finally, it will be necessary to have a self-owned mobile phone and an email account, since these will be the means by which Content will contact us as customers.
If we meet all the requirements, all that remains is to fill out the online form in which we are asked for personal data and financial information. With all this, Content will assess the level of risk and make a decision regarding the request.
Disposal of money
If Content considers that we have met the appropriate profile, he will confirm the advance payment with a short text message to our mobile phone. Once this message is received, we will only have to confirm that we accept the loan and its conditions so that in a couple of hours we have the money in the bank account.
This formula is the one that is followed for a new client, but if we have already worked with Content we have it even easier. Apart from the fact that a prior study is no longer necessary and there is no possible limitation of 300 USD (you can access up to a maximum of 1,000), Content offers us the possibility of having money almost immediately and by cashier using the HalCash system.
For this, it will be necessary to previously communicate that we want to use this system to receive the money, and once the confirmation message has been sent, it will no longer be necessary to wait two hours or contact our bank. In 10 minutes, and with the keys that will be provided to us on our mobile phones, we will be able to contact any of the more than 12,000 ATMs that use this system to directly obtain the loan amount.
How to request money advances?
To request fast money advances through Content’s quick mini loans, you just have to access your online application form and indicate the amount to request and the maximum term of return of the borrowed money. You have the amount to request, the date of the return and the fees that they will charge you.
Once you have pressed the request button, you will have to fill out an online form with your personal data, your contact information, your employment situation and income, your bank details and additional information that will be used to carry out the advance risk study in the form of mini loan.
How to repay the loan without complications
To proceed with the payment of the loan granted, Content wants to make it as easy as possible. The only concern that we should have is that there is money in the account on the marked date, and upon arrival, payment will be made simply with a charge on the card.
If for any reason complications arise and we will not be able to have the necessary amount, we can contact Content and explain the situation to find a way to solve it. One of the formulas, for this, may be to request an extension, which will grant us a certain margin, even if it involves an extra cost.
If what we want is for the loan to be cheaper than initially planned, there is the possibility of paying it in advance if we have the money to do so. This is usually an option that can always be exercised with any microcredit company, but not all of them apply a reduction in costs.
Content is, therefore, a way of financing for specific occasions, as they themselves are in charge of highlighting. Not everyone should apply for this type of credit, but if someone finds it necessary to do so, what they can be sure of is that in Content they will find all the information clear and transparent so that later there will be no surprises.
Extension of the advance
If you cannot return the requested advance, do not worry, since you can request an extension of it, having 30 more days to return the money. You just have to enter its web platform and access the “Request extension” option. They will ask for your identification information and you will have to pay the fees accumulated up to that moment, having to pay more fees for the time you have extended the mini loan. You can extend the same advance up to 3 times.
What are the requirements to get money?
To request fast cash advances through Content’s quick online mini loans you have to meet the following requirements :
> Be over 18 years of age and have a DNI or NIE identity document.
> Have regular income and have a supporting document, such as a payroll, pension or bank statement.
> Have a bank account with a debit card associated with it.
> Have a mobile phone and an email address, used to contact you.
You do not need a guarantee to obtain the money, since they are unsecured loans, which is a great advantage in the event of default, since you cannot seize any property that you have deposited as a guarantee. Content does not require that you not be in delinquent lists such as Financial credit institution or RAI, but it is possible that you will have more difficulties in obtaining the advance if you are in these lists, although you can request mini credit without any problem.
Advantages of advances from Content
Among the main advantages offered by advances through Content quick mini loans are the speed and ease of obtaining them. Speed because you can get money in 10 minutes and simplicity because advances are requested through a simple online application form, it is not necessary to carry out any type of paperwork and all management is done through the Internet.
It is not necessary to have a guarantee to obtain the advances and they will simply carry out a risk study based on the data you send them in the application form, making a decision almost instantly. You will not need to justify the destination of the money, since no one is going to ask you and you can also request advances by being on defaulters like Financial credit institution or RAI.
Content quick mini loans are transparent, since at all times you will know the amount you must repay and the day you will have to do it. They are also safe, since your data will not be sent to third parties and will be treated confidentially.
The refund of the advance is very simple, since they take care of everything, making a charge on the debit card that you provided in the online application form the day the loan matures. You can also return the money through bank transfer or cash deposit in one of their account numbers.
You can return the money in advance saving money, since you will only pay fees for the time you have the money in your possession. Thus, you can obtain loans with a longer term than necessary and return it whenever you want, paying only for the time you needed the money.
If you cannot return the advance on time, you can request an extension, simply paying the fees you owe up to that moment, thus having up to 30 more days to return the money. You can request up to 3 extensions for the same advance, thus being able to use the money for a longer time.