To summarize, the characteristics of this type of credit are:

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If they are a natural person: have business activity, submit proof of income, bank statements, annual tax returns or financial statements.

Credit cards

Credit cards are the main source of financing for any person. Its main advantage is an open line of credit, anytime, anywhere, with just a piece of plastic in hand. Like all credit, it allows you to have money that you do not have at the moment, but that you are sure you will have in the immediate future, for example, with the salary that you will receive next month. Credit cards can be divided according to their issuer, being able to be:

Bank cards , those issued by a financial entity such as a bank or a savings bank or cooperative

Departmental or Retail Cards, also called non-banking and that are offered by stores or large departmental retail stores.

In both cards, the credit and the departmental one, you can take advantage of promotions for months without interest and other additional benefits.

To summarize, the characteristics of this type of credit are:

  • Term: very short
  • Destination: free
  • Warranty: none

 Personal loans

Personal loans are characterized by being freely available open credits, so it should not be informed what we will use it for. For this reason, you can use it for any purpose, be it consumption, investment, purchase of goods, remodeling your home, travel, and much more. These 당일대출 are offered by banks or other financial institutions, as well as by companies (there are many that offer them online) that are exclusively dedicated to granting them.

The basic characteristics of this type of credit are the following:

  • Term: from short to medium term
  • Destination: free
  • Warranty: none
 Pledge Credits

The Pledge Credit is a specialized financing, in this case, for the purchase of a new vehicle. Also called car loans , they have a specific purpose, which is the purchase of a specific vehicle, whose ownership will remain “pledged” until the debtor pays the entire debt. The vehicle cannot be sold until the pledge is lifted (which occurs when the credit is cancelled). They offer specialized financing. The advantage of these credits is precisely their specialization, since the amounts and payment plans are designed according to the objective.

The basic characteristics of this type of credit are the following:

Term: from medium to long term

  • Destination: specific
  • Warranty – Vehicle

Requirements to access the Automotive Credit

The following are the general requirements to access a car loan:

Cover a minimum amount of 20% of the total value of the vehicle

Have a seniority in employment and residence