It is a financial product that caters to all consumers, who have temporary unforeseen needs that involve small expenses and to which they decide to cope by turning on a loan designed to meet their needs, the FastCrediter Mini, the small UnoCredit loan Bank.
Who exactly are the recipients of this initiative?
As mentioned in the presentation, the recipients of the loan are private consumers, individuals who have individual interests not attributable to entrepreneurial, commercial, craft or professional activities; with FastCrediter Mini it is possible to respond to needs strictly inherent to the applicant or his family.
What goods can you buy?
Although not expressly binding, the orientation of the loan refers to the purchase of consumer and durable goods ( domestic appliances, cell phones), or of means of transport (motorcycles, cars, etc.), to conclude with purchases of generic furniture.
The following purchasing purposes are excluded from the financing opportunities with FastCrediter Mini:
– buildings of any kind and type;
– all types of land;
– renovations relating to the first and second homes, including all transactions pertaining to them;
– any speculative movement (stock exchange transactions, any financial investment).
How does UnoCredit’s FastCrediter Mini actually work?
With the FastCrediter Mini you can request a loan for an amount between 1,000 and 3,000 euros, repayable in convenient and small monthly installments in which you can decide the amount to be repaid, which will be kept unchanged for the entire duration of the loan.
The loan period is between 18 and 36 months.
Another peculiar feature: following the estimate calculation method, thanks to FastCrediter Mini it is possible to choose the loan installment with a convenient rounded amount.
In this way, the amount of the installment will be easier to memorize and it is possible to achieve another advantage, keeping the installment constant for the entire duration of the loan.
It is possible to request FastCrediter Mini from natural persons who at the time of expiry of the last installment of the loan have not yet passed the age of 75, opening the possibility of applying for a loan to a very wide and varied public.
Insurance Policy Personal Credit Protection
An optional insurance policy, called Personal Credit Protection, can also be combined with FastCrediter Mini by UnoCredit.
This is a policy, with a low cost, which protects the customer against the main causes of death and disability, guaranteeing full reimbursement of the remaining installments in the case of the aforementioned fatalities.
The amount of the insurance premium to be paid is determined by the following factors:
– amount of the loan requested;
– premium rate, variable based on the applicant’s employment, private employees 0.15%, self-employed 0.14%, public employees 0.13%.
Method of repayment of installments
The method of repayment of installments is the automatic debit on the current account of the subscriber of FastCrediter Mini, while the frequency of the installments is monthly.
Why should you request FastCrediter Mini?
The main reason why you need to apply for a personal loan such as FastCrediter Mini is a contingency that cannot be dealt with promptly due to lack of liquidity.
FastCrediter Mini allows you to satisfy the immediate need of the customer, with a very fast loan in order to respond quickly to the needs of the applicant.
The loan repayment methods, comfortable and small monthly installments of a constant and rounded amount, allow a repayment of the loan in medium / short times with disbursements that can be easily disbursed by the consumer.