Loans without paperwork, the fastest and safest solution

Loans without paperwork if they exist, even if they sound like possible fraud or a lie, one of the concerns that most people have, is usually that their capital is under risk conditions.

The vast majority of companies that are dedicated to granting this type of financing operate on the Internet through a website, so it is a fundamental part of the process to send the personal information of the person interested in acquiring the loan to the company through this means, which raises doubts regarding the theft of online information and other situations that have no place or reality, If you access the conventional microcredit pages, you can have complete confidence that your data will always be protected.

How can you check if a microcredit portal is safe?

The companies that offer microcredits as their main product, know that generating a feeling of trust in your customers it is extremely vital to attract them. For this reason, they offer the maximum guarantees in this regard. And the most common is to follow the recommendations that the AEMIP dictates, that is, the Spanish Association of Microloans, which establishes various security measures that must be considered, whose content can be consulted by anyone.

The most essential thing when carrying out a microloan procedure anywhere is to corroborate that, in the top of the browser, right next to the URL or web address, a closed green padlock icon appears. If so, you can be completely guaranteed that you are browsing a web page that encrypts and protects your personal data. It is very important that the web address begins with the letters https instead of starting only with http like most sites, since the letter "s" at the end indicates that the web portal has an improved security protocol.

The appearance of the page, we know in advance that it is not a reliable factor in its entirety, But appearance is often closely related to the reliability that is given to a company.

Generally, poorly structured pages generate mistrust among their users. In this sense, intuition is considered a very important factor to consider.

It is clear that, ultimately, the use and handling of personal data, is one of the major concerns of those interested in contracting a microcredit, which is why most companies dedicated to this sector strive to offer the security measures established by the administration, and a little more to gain customer trust.

The importance of information management

La Organic Law on Data Protection It imposes a series of obligations that companies must comply with regarding the use of the information that their users have provided. This is because when personal data is written over the internet, protocols must be established and appropriate safety criteria to prevent possible identity or information theft.

The theft of this valuable information it has become popular in recent years. The objective of the criminals who do so is to request a microcredit, keep the capital and make someone else responsible for their full refund. According to statistics, most of the identity theft in Spain is by family members who know the data perfectly.

The financial entities that manage the microcredits they are very demanding when it comes to security. For example, in the process of evaluating an application for microcredit, these companies not only look to see if the client has the economic solvency to return it, but they also have the obligation to combat money laundering or any type of fraud as stipulated in the law. Failure to do so, they can face large fines imposed by the administration.

The two great benefits of microcredits

The first of these is that the waiting time and credit deposit is extremely short and the second benefit is that there is no need to send documentation or extensive paperwork to get an application approved. Obviously, in order to offer customers these benefits, it is essential to have specialized security tools.

The key to choosing the right company lies in knowing how to choose the option that offers a lower interest rate and better conditions in the return of the money.

This is a section of the market that is not covered by traditional banking entities, which has developed on the brink of crisis and internet access. The bussines level that manages the sector is for 200 million euros.

Competition in the sector has started with a price war to gain market share. If we take a loan of 300 euros as an example, the payment for the 30-day financing can be between 84 and 111 euros in interest, which represents between 28% and 37%. But there are many microcredit management companies that have launched microloans at 5 euros of interest or even free for new clients.

This financial sector recognizes that the high price of the operations and the speed of the loans, makes it recognized as a new product in Spain, which consequently generates a certain feeling of distrust in consumers.

There is no specific regulation on this microloan sector, the companies are governed by a regulation that is established in the contracts of microcredit for consumption and on distance marketing. This is why with the intention of promoting responsible use of this financing tool named AEMIP a couple of years ago, which today groups more than half of all the companies that manage this service. This administrative entity has promoted a code of good practices, which has a set of standards for provide greater protection to customers, facilitating negotiation channels in cases of non-payment or claims, for example.

All the new technologies. They are a fundamental part of microloans, through which a total guarantee of security is offered in the operations of requesting microloans.

The companies that manage the microcredits, are in charge of marketing and promoting this financing tool, they use very high levels of security by hiring professionals in programming for their web pages, very similar to that of traditional banks and financial institutions. It is for this circumstance that the procedure for apply for a quick loan, is characterized by offering absolute protection and preservation of customer information and their movements. In this way, fraud situations are limited to few possibilities.

From the moment you enter the web page To start filling out the forms and until the microcredits are granted, every client will have the total certainty that their navigation is absolutely protected.

The data transfer security system, is correctly activated and any amount of data will be encrypted to guarantee your privacy. The client can make any movement and provide their personal data with peace of mind because they will always be protected.

These customer security guarantees can be verified by users from the beginning before hiring any type of service, since it is very easy to access this information from the mobile phone or computer, without being necessary, having specific knowledge in computing or computers, since company websites that offer microcredits focus their efforts on making a tool safe for users, as well as intuitive and easy to use.

Another advantage offered by microcredit portals is that it disables the access of third parties, since one of the most recent contributions of technology is the implementation of new and more secure systems to verify identity.

The microcredits are a fast and safe option that offer the client the option of requesting loans of small amounts that do not exceed 300 euros and return them in terms of no more than one month, which generates short-term profits for the companies that manage the microcredits.

The current advantage for clients who need loans is that competition in the sector has led to lower interest rates, which previously characterized this type of loan. financial tool, at incredible levels, charging a few euros and in some cases even for free the first time, to win clients over the competition and stay afloat in an emerging market of private finance companies, which offer the online microcredit service for people who do not have guarantees or a fixed payroll and need an income quickly and without obstacles to solve an emergency problem, or to make improvements or buy new equipment for a company, since SMEs have become potential customers of this type of loans in recent years, expanding the options and sales strategies of the companies that manage this service, to offer better quality, security and price.