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Every year, an increasing number of Russian residents use the functionality of online banks to store their funds, and the number of payment card holders is also growing. This trend is very natural, since it is much more convenient to carry out a range of operations on the Internet, receiving bonuses from the bank, than to stand in long lines. In this article, we propose to consider the promising product of Lendoff Bank – Triple.

Triple card is issued in two versions: credit and debit. By its essence, it carries favorable conditions for users of Lendoff Bank, especially travelers will like it. The fundamental feature of the card is that when calculating it, the holder is credited with a certain number of points. Their repayment is available on the Triple service.

This service has a tourist focus, with its help you can book a hotel or air travel. The calculation on the service occurs according to the principle: 1 bonus point – 1 ruble.

Credit card

Triple credit card gives you the opportunity to get 2% bonuses to the owner. In addition, buying services using the service function can save as much as 5%, and when buying promotional offers, the discount rate can increase to 30%.

The credit card limit is 700,000 USD. Plus, if the owner wishes, you can issue an insurance policy on special conditions.

A credit card, in comparison with a debit card, allows you to accumulate points much faster. What distinguishes these cards is not the ability to receive bonus points on a credit card for the balance of funds, as well as in pricing for annual service.

Terms of use

The interest rate on the borrowed credit funds on the card varies in the range from 29.9 to 39.9%. If you want to withdraw money from the card, you will additionally have to pay the standard commission fee charged by all banks 2.9% +290 USD.

The minimum interest rate for debt repayment as of today is 6%. In addition, the bank sets a minimum of 600 USD (fixed).

In case of non-payment by the client of the payment terms, then penalties will certainly be imposed on him. The amount of the penalty will proportionally increase in the number of periods of non-payment. As a rule, unpaid interest is added to the amount of the fine.

The disadvantage of this card is its inability to preserve personal finances.

The list of conditions:

• The limit on the card account is up to 700,000 USD.
• Credit rate – up to 39.9% per year.
• The grace period is 55 days.
• The minimum loan payment is 6% (at least 600 USD).
• Interest is accrued daily.

Commission:

• Maintenance for a year – 1900 USD.
• Cash withdrawal – 2.9% of the amount + 290 USD.
• SMS – bank – 60 USD.

Penalties:

• Non-payment min. payment 1 time – 590 USD.
• Default min. payment 2 times – 590 USD + 1%.
• Not timely payment min. payment 3 times – 590 USD + 2%.

Mandatory conditions:

• The age of a person who wants to get a card is from 18 to 70 years.
• Registration.
• Passport.
• Registration.

Debit Card Benefits Set

Triple debit card gives you the opportunity to receive 2% bonuses by paying for tickets in the Triple environment. Plus, for the rest of the calculations, 1% is charged.

The main advantage of a debit card is providing the owner with a one-time bonus of 1000 USD.

Plus, a significant advantage of such a card account is the calculation of 14% per year of bonuses on funds placed on the card (if it is more than 500 000 USD). Triple service on its own charges 4% of the remaining amount with points.

Lendoff Bank holders of these cards, additionally provides:

• Free cashing.
• All types of banking are completely free.
• Privileges for MasterCard users.

Why is a Lendoff credit card better than Juicia Business?

This is a card that also provides bonuses for the Juicia service. The main plus of Lendoff cards in comparison with Juicia:

• Pricing for annual use. In Lendoff, the owner will have to pay 1,900 USD. and Juicia owners at the same time will deduct 2500 USD from the account.
• The number of bonus points. When paying with Juicia, the owner will receive 1.5% and 2.5% bonuses. In Lendoff this indicator is higher and reaches the level of 5%.
• Card loan rates are almost the same.

Differences of Triple from the All Airlines card

The set of conditions for these plastic cards is almost the same, but, nevertheless, certain discrepancies are present. Below are examples of these differences:

• For the purchase of services on the partner site, both card accounts provide for receiving points in the amount of 5%.
• Carrying out settlements on other Internet portals, All Airlines accumulates 3% of the amount spent, in turn, its analogue accumulates only 2 percent.
• When booking a hotel or renting a car made on the service, Triple accrues 9% bonuses, and its analogue 10%.
• The welcome bonus for the cards is the same and amounts to 1000 miles.

Advantages of Triple:

• Providing a promotional code in the amount of 1000 USD.
• Low cost of annual circulation.
• Issue a card for free.
• A card with an embedded chip is allowed.
• The grace period is 55 days.

The fundamental difference between the two cards is the process of obtaining a ticket issued as a privilege. To redeem points and get a free ticket on All Airlines, you need to accumulate its full cost. Only this option works, as for the other card, you can buy a ticket using the bonus account with partial redemption.

A serious inconvenience in the process of issuing a ticket on the Triple service is the presence of additional fees for the exchange or refund of a previously purchased ticket. However, by paying a small fee, this option can be added to the cost immediately. Additionally, on this service there is no opportunity to purchase the so-called discounters. This type of ticket is available for purchase exclusively on the websites of air carriers.

What are Tripcoins?

This term is called the loyalty indicator, which gives its owner the opportunity to receive a certain number of bonuses, calculated on partner sites. Tripcoin – the measured part of the accrued points. According to our card, 1 tripcoin is equal to one ruble.

Lendoff issues these plastic cards in two options. Based on the typology of plastic, the number of accrued bonuses is determined, and the procedure for their accrual is regulated.

When paying by credit card in the network of partners you can get:

• 5% of the ticket price.
• 9% of the hotel room rental.
• 9% for other calculations.

When calculating with a debit card, you can expect to receive:

• 2% of the ticket price.
• 9% of the hotel reservation.

The accrued number of tripcontents can be spent on reducing the cost of a hotel or air travel, or paying their full amount.

Upon initial activation of a card account, using the functionality of the loyalty program, the owner is given a discount on the promotional code for the initial purchase of 1000 USD. Plus, for holders of credit cards there is the possibility of issuing an insurance policy for travel. It covers damage in the amount of $ 50,000. The policy as well as the promotional code is sent by mail.

Where can I see the number of tripcoins?

All points accrued on the card, as well as the process and the amount of their transfer, as well as the generation of promotional codes, are available for viewing by means of your personal account.
In the office, the total number of accumulations and available tripcoins is displayed.

Terms of use

At the time of the transaction on the partner organization’s website, you should select the command with the use of bonuses in the menu. For the initial deduction of points, you need to collect – 500 tripcoins.

Using user-defined tripcoins using the LC functions, you can generate a promotional code for up to 10,000 USD. At the same time, one should not forget that when calculating for air tickets it is possible to use exclusively promotional codes, the face value of which is from 500 to 2000 USD.

The term of the user-generated promotional code is 30 days from the date of its formation.

Using the promotional code for the calculation, the user additionally receives 4% of the transaction turnover.

Conclusion

As a result, we can conclude that the Lendoff Triple plastic card is considered to be one of the best products of the bank on tourism topics. Making this card account gives you the opportunity to save real money when purchasing tourism products. In total, two types of Triple cards are issued: debit and credit. Bonus accrual differs from card type.

The advantage of this product lies in its variable use, both full and partial. At the same time, maintenance is very inexpensive. However, there are drawbacks: when purchasing tickets on a partner’s resource, an additional payment is required if you want to return the ticket.

Online loans without payroll for freelancers, housewives and students

The 3 things to know:

• Requirements: the ability to return the money obtained must be demonstrated
• Categories: self-employed, with VAT number, housewives, students
• Compare the loans and choose the one that best suits your needs

Personal loans: get up to € 75,000 Calculate the installment »

Buying a car, home, renovating or traveling to Caribbean destinations is not a dream reserved only for those who work indefinitely. Everyone can apply for specific personal loans, even those who are not employees, that is freelancers, or students, to pay for master’s degrees and other studies. What matters when you apply for loans without pay slip, with VAT number and other special cases, is to demonstrate the ability to return the money obtained to subsidize the bank or the financial company. The loans are divided into categories (loans for those who are not employees, for those who do not have a pay slip, for housewives, loans for young people) and the offer of banks is wide and personalized.

You can get a small sum of money through a microloan to take a vacation, buy appliances or furniture, alternatively request a revolving card by paying all in small monthly installments with a debit to a current account. With the disbursement of medium-high amounts, on the other hand, you can buy real estate, perform small and large restorations. How to apply for loans without a pay slip, with VAT number and other special cases is explained in this guide.

Loans for self-employed and freelancers

Self-employed workers with a VAT number and freelancers who do not receive pay slips must present the last or latest tax returns to the bank, as well as the tax code and identity document. Of course the payment of the requested sum depends on personal income, which must be such as to allow the repayment of the loan. If income permits, these categories of workers can obtain loans even without a guarantor, loans for self-employed workers and loans for freelancers.

For the most important purchases, in the real estate sector for example, the support of a guarantor and the institution of the mortgage on the house can be requested instead. As for mortgages, in addition to the income documents, it is necessary to have identified the property to be purchased and to present to the bank the compromise, the cadastral papers and other specific documents.

Loans for housewives

Even housewives without demonstrable income can obtain financing, the important thing is to have a minimum fixed income deriving for example from rents, from the management of an occasional b & b between the domestic walls, or from occasional works performed with generic receipt. In these cases the disbursement of loans without payroll is almost always subject to the support of a guarantor and the amount received is of a small average amount.

To obtain a loan for housewives, it is necessary to present the following documents: identity card, generic receipt block, income tax return, list of transactions with credits received on the current account, rental contract or declaration of commencement of activity in the case of bed & breakfasts, indication of ‘owned property on which to put the mortgage and specification of the guarantor with working and income documents of the guarantor.

Loans for university students

What has been said for home loans is for young and under-age loans to finance studies, in which the figure from the guarantor is essential. We are in the field of purpose financing, including car and travel loans. This type of loan requires the indication of the reason for the request; these are modeled loans, tailored to customer needs, as can be mortgages or other types of financing, so just look for the cheapest bank with flexible repayment plans and minimum interest: to find the best deals, use our comparator loans.

Loans for protesters and loans with delegation

More complicated is the situation of the protesters and the bad payers, who can still obtain loans through the assignment of the fifth, or by giving their own TFR as a guarantee. This is a solution suitable for pensioners or employees, however suitable for those with demonstrable income. The protesters can also take advantage of the loan delegation through the employer, or take advantage of the institution of the surety with guarantees of a third subject, to deepen the topic, read our guide on loans for bad payers.

If you get a car loan for a longer period with lower interest rates, the monthly bill may remain below a budget-engaging level, but is this a good deal for you?

To answer that question, you must understand how the interest on car loans works.

Three major factors about car loans

The average price of a new car is $ 33,652 from June 2016, a 2% increase over June 2015, so it’s no surprise that consumers are increasingly financing their purchases with long-term loans. The average car loan term is with a record of 68 months from Q1 2016.

But here are the three important factors that you should consider before taking out your own car loan:

• The interest rate on car loans changes daily and varies greatly. Before entering a showroom, check the current rates posted at Bank rate. You can consider asking permission from a bank or a credit union before you go shopping for a car. Consumer advocates say a car salesman can give you a good price for the car, or a good deal for financing, but not for both. In any case, you want to be kept informed of what a ‘good deal’ on a loan is at present. (See 6 ways to reduce the cost of your car loan. )
• Car loans include simple interest costs, not compound interest. This is good. The borrower agrees to repay the money, plus a fixed percentage of the loan amount. (In compound interest, the interest earns interest over time, so the total amount of snowballs paid.)
• Car loans are “written off.” Just like with a mortgage, the interest due is preloaded in the early payments. During the collapse in house prices, it was claimed that homeowners who owed more to their homes were worth resale. “In the same way, car buyers can drive ‘under water’ for a long time, unless they have a substantial down payment or a late-model trade-in because a car drops sharply as soon as you drive it out of the field.

Crunching the Numbers

The examples below show how the actual costs of a car are determined by the car loan you choose. In any case, the car, the down payment and the amount to be financed are the same: the average price is $ 33,652. The down payment is 10%. The amount funded is $ 30,287.

• A 4% loan for a 5-year period costs $ 557,778 a month. At the end of that period you would have paid $ 33,466,800 in monthly payments. Add the down payment of $ 3, 365.20 and the actual cost of the car is $ 36,832.
• If you extended that loan to eight years, the monthly payment would fall to $ 369. 18. At the end of that period, your credit payments would total $ 35,441. 28. Including the down payment of $ 3, 365.20, the actual cost of the car rises to $ 38, 806. 48.

Your monthly payment – and the total

The interest rate you get on the loan has a dramatic impact on these numbers. Consider how the numbers change if you were charged a rate of 6% instead of 4% for the same car.

• The monthly payment for a 5-year loan for $ 30,287 at an interest rate of 6% would be $ 585. 53. You would pay $ 35, 131, 80 in monthly payments. Throw in the 10% deposit and the car costs $ 38,497.
• If this is extended to a term of 8 years, the monthly payment on that loan drops from $ 30,20 with an interest rate of 6% to $ 398.01 per month. The loan payments would amount to a total of $ 38, 208. 96. Add the 10% deposit and the car costs $ 41, 574. 16.

You can execute the numbers yourself with Bank rate’s loan calculator.

The bottom line

Choosing a car loan is always a consideration. If you have a tight budget, a lower monthly bill is an attractive option, but this means more monthly payments and a higher real price for the car. If you want to pay the best price for the car and get a faster path out of debt, you have to make a hefty monthly payment.

For further information, see the Investopedia tutorials, The complete guide to buying a new car and The complete guide to buying a used car.

Why choose loan?

Solcredito personal loans and fast loans. Apply today for your flexible personal loan, and return it between 5 and 90 days, with a minimum APR of 0%, and a maximum of 1,009.48%. Benefit from a credit of up to € 800 if you are a new customer and up to € 10,000 if you are a regular customer.

REQUEST CREDIT

In Solcredito.es you can compare loans with total transparency and no small print, because Solcredito is legit, and offers very flexible personal loans.

You will not have extra expenses or commissions, as long as you comply with the agreed fees.

Likewise, the interest rate is fixed individually, and will depend on the results obtained by the borrower during the credit verification.

What services does loan offer?

Solcredito.es is a platform of the most complete, offering all types of loans and credits. Whatever you need, you will find it. In solcredito forum you can learn more about this financial and its reputation.

If you are looking for a loan you have a choice between personal loans, quick loans, online loans, urgent loans, loans without payroll, fast loans with ASNEF, immediate loans and mini loans.

If you need a credit you have the options of fast credit, fast credit online, fast credit without documentation, immediate credit, easy credit, personal loans, asnef credit, online mini credit without paycheck, mini credits without payroll and mini fast credits.

Apply for your loan or credit in just 4 steps:

• Choose your loan
• Send the request
• Wait response, in less than 15 minutes you will have it
• Get your money

Thanks to your loan comparison you will always find the best options to get it. And you can do all this from your PC and also from your mobile.
In addition, you can get loans and credits without endorsement, payroll or paperwork.

It is important that you take into account before confirming your loan application the amount of money, the interest rate, the term offered, and therefore, the value of the loan.
As we said, solcredito is reliable, of course.

What requirements do you need to apply for a loan?

To apply for your loan with Solcredito.es you will need to fulfill the following requirements.

• You must reside in Spain
• Have an account in a national bank
• Be of legal age, and between 18 and 80 years old
• Have your ID up to date
• An email address for your account
• A mobile contact

In solcredito my account will find all the information about your profile and your credits.

How does loan work?

As we said, in just 4 steps you can enjoy your loan or credit.

STEP 1: Choose the loan

One of the most important steps to apply for a loan is to know how to choose it, so think it over and depending on what you need, adjust the amount of money you need and the time it will take to return it.

If it’s your first time at Solcredito.es you can only apply for loans from € 50 to € 800, and make the repayment of the loan in a maximum of 30 days.

When you spend more time and have enjoyed the loan services on this website, you can extend your credit limit, even reaching up to € 10,000 to pay off up to 5 years.

STEP 2: SEND THE APPLICATION

Everything works 100% online so the application will send it directly through the web. You will save time and unnecessary paperwork, and you will receive a response to your request quickly.

STEP 3: RECEIVE THE RESPONSE IN LESS THAN 15 MINUTES

Solcredito.es will compare the best loan offers according to your criteria, and then offer you an answer to your loan request in just 15 minutes.

STEP 4: RECEIVE AND ENJOY YOUR MONEY

When your application has been approved you will have your money available quickly.
Usually it usually takes a couple of hours but it may take up to 24 hours, although no more than that. If you are a regular customer you will receive your money in practically 5 minutes.

Calculate your loan and request it

At Solcredito.es it is very easy to request a loan or credit.
Simply use the calculator and set the money and the time of return to know all the details of the loan.

How much money do you want?

You can request from € 50 to € 800 if it is your first request. After the amount will be extended to € 10,000.

How long do you want to return it?

You will have a term of amortization of the loan from 5 days to 30 days. Being a regular customer besides the mini credits you can also request personal loans to return up to 5 years.

When you have the amount of money and the term to return it, you will be able to see the conditions of your loan, as well as the interest. Then you will only have to click to request it.

According to clients, the entire process of both application and approval is very fast, only 15 minutes, which makes it a financial to be taken into account.

How to repay the loan?

To return a loan that you have requested in Solcredito.es you will have to do it as specified in the contract of the institution that has granted you this loan.

Solcredito.es provides us with all the options for loans and credits, so at the time of returning the loan we will have to take into account the signed in each case.

Breach of contract

In case of not paying in time and form the fees established in the loan contract you will have to face additional charges. If you need a postponement, charges will also be generated, although it is always better not to pay. So, if you think you will need more time to repay your loan, request an additional term to repay it.

Loyalty program

One of the advantages offered by Solcredito.es to its new customers is the first loan at 0% interest, which is an aspect to consider if we are thinking of applying for a loan.

The first loan will be a maximum of € 800 to return it in 30 days, although with the loyalty program as you apply for new loans and return them on time your confidence index will rise and you can get up to € 10,000 to repay it in 5 years.

Today there are financial institutions that offer fast online loans and this has created a competitive context in which interest-free loans have arisen. This type of products was created to promote the financial entities that offer them. It is digitally where you can find these products and you will usually know in just a few minutes if the loan was accepted.

Quick loans without interest

It can be said that the quick loans without interest that many entities provide are temporary. This is mainly because these organizations offer these promotions to increase their clients and when they meet their objectives, then the offers are modified.

Mini loans without interest

Therefore, if you are looking for a loan with favorable conditions and find one of these promotions, the best thing you can do is take advantage of the promotion right away. The first step you should take is to conduct a search of the entities that offer the mini loans without interest, taking into account that there are several that operate in the market today.

Loans between individuals without interest

If you are attracted to financial products in which the intermediation of a traditional banking organization is dispensable, then you will like very much the loans between individuals or the peer-to-peer loans (p2p). This is a new way to get the money you need quickly and everything can be done through the internet or even your mobile phone. In the same way as traditional loans, loans between individuals also have the advantage that they are quick. There are even individual loans without interest and several p2p loan platforms are available today.

Micro loans without interest

Once you have found the organization that best suits your needs, just choose the amount you need and the time or period in which you will pay. The loan calculator will then tell you how much interest you must pay off on the loan. However, if it really is an interest-free loan, the calculator should show that those interests are at zero and that the total that must be paid is the same as the loan at the beginning. Another important part of micro loans without interest is that you must complete a digital form in which you will be asked for personal and work information. When you complete that step you can know if you qualify for the loan or not.

Online loans without interest

It is important to keep in mind that organizations that provide online loans without interest also carry out their own study regarding the situation of individuals who apply for a loan. One of the standard requirements is that you have constant income with which you can settle the loan. The source of money can be a pension, family funds or some type of benefit. Many entities will reject the application if it is registered in delinquency files such as Financial Credit Institutions.

Loans without interest or commissions

What requirements must I meet to obtain loans without interest or commissions? All the organizations that offer their services without any interest rate have some requirements for their clients, some of them are:

• The customer must be of legal age
• Must have a DNI / NIE
• An email account in your name
• Own a mobile phone line and a bank account
• You can not be registered with Financial Credit Institutions

Ferratum Bank offers you online loans and money instantly. Enjoy your first free loan with Ferratum Bank. Get the money you need quickly thanks to your loans instantly, and with the possibility of extension. Apply now for your micro loan of up to € 300 or, if you prefer, your line of credit up to € 1,000 for whatever you want. It’s fast, easy and 100% online! In 3 steps you will have the money in your account.

What services does offer?

In Ferratum Bank you can enjoy personalized loans online, so you have the option of requesting a micro loan to get a small amount to pay an unforeseen expense or request a line of credit if you need to have more money.

You decide how and when, at Ferratum Bank they will adapt to your Polonius Polonius.

• Request your micro loan up to € 300 free if it is your first request. You can take charge of Polonius punctual or unforeseen expenses. It’s fast, easy and 100% online, as we said, and with the security and confidentiality you deserve.
• Request your line of credit up to € 1,000. With flexible return in installments from € 75 per month. You will have money for when you need it and you can use it all or only one part and return it, or reuse it. You decide that. The best thing is that you will only pay for the money you use, so request your line of credit now and start enjoying it.

How does it work?

At Ferratum Bank you will have online loans instantly, and with total comfort, since the entire procedure is 100% online.

In 3 simple steps you can already enjoy your money.

• Select the loan you need, be it a micro loan or a line of credit, and complete the application with the required data. Then, send it.
• In a matter of minutes you will know if they approved the loan
• Immediately afterwards you will receive the requested money in your bank account

At Ferratum Bank, they specialize in personal loans, quick loans, mini loans, instant loans and quick money. Use the loan simulator and you will find what you need, an online loan with the best conditions.

To apply for the loan as we said you just have to follow the steps: choose the money you need and for how many days, complete the form with your data and identify yourself online.

You can request money 24 hours a day, 7 days a week, so when you need it, you know. As soon as they approve your loan they will make an instant transfer of the requested money, and you will be able to enjoy it in just 10 minutes from the confirmation.

RECEIVE INFORMATION

Calculate your microloan or line of credit!

If you need a quick and urgent loan, you can request a Ferratum Bank micro loan:

• First loan: From € 50 to € 300
• Next loans: From € 50 to € 700

If you request a loan of up to € 500, you can return it within a minimum period of 5 days and a maximum of 30 days. But, if the amount you request is greater than € 500, you will have a maximum of 45 days to repay it. At Ferratum Bank they are more flexible.

Regarding the Ferratum Bank credit line:

• You can request from € 200 to € 1,000

In the application table you will see the maximum limit, the withdrawal charge, the daily interest, the first due date and the first minimum payment.

Once informed and if you agree, you can proceed and request the line of credit.

How to repay the loan?

Ferratum Bank makes it easy for you to return the loans you request with them, and for that reason you can make the payment through the option that is most comfortable for you.

• From your personal area. With your mobile phone and pin you choose to pay and instant payment to access your online banking and pay the loan through the Trustly system.
• With your bank card (from the second loan). Use your card to pay it.
• With bank transfer. Enter or transfer the funds to the account of Banco Santander, with your mobile phone or DNI in concept and Ferratum as beneficiary.

If you pay your loan on time you can earn the trust of the financier and request a new loan without problems. On the other hand, remember that you can not request two credits at a time, but first you must have paid the previous one to request a new one.

Of course, it is important that you are aware of the day that the repayment term of the loan expires, so that you can make the payment just in time. Otherwise the amount will increase as the days go by, until finally you pay the debt.

Do you need an extension?

If you need a few more days to pay your loan you can request an extension at Ferratum Bank for 15 more days. When in doubt, if you believe that you will not be able to pay on time, it is better to request an extension, you will be calmer and you will avoid that your debt will increase.

It should be noted that the extension has a cost, amounting to 10% of the amount requested plus the cost of the loan. You can apply for it in customer service and you will have to pay it within a maximum of 5 days after the loan expires.

If you have problems to pay your loan you can request an extension of it up to 2 times for 15 days, with which you will have a total of 30 extra days to pay the debt.