If you are interested in receiving a personal loan of 1,000 euros, in principle you will not have any particular problems in obtaining a loan. Let’s see what are the main characteristics of small loans and what are the requirements to receive them. We will then compare the quotes offered by some of the major companies on the market, to provide you with a comprehensive overview of the treatment offered, in order to allow you to identify the proposal that best meets your needs.
1,000 euro loans immediately: how to get them fast in 24 hours
There are many forms of financing that we can find on the market and that meet all our needs. Very often the sum we need is not particularly high, however we may prefer to defer a particular payment, thus avoiding to face a maxi expense in a single installment. This is why the small loans are born, which allow you to receive the desired amount without too much trouble, even in just 24 hours, given the lower risk incurred by the bank compared to what happens for large amounts.
Requesting a loan of 1,000 euros is very simple, and in most cases it will be possible to do it directly online. This is a big advantage from the practical point of view, as it will not be necessary to make an appointment at the branch and maybe lose an afternoon just to proceed with the request. With the online procedure we can request the amount we need with a simple click, and we can do it from the comfort of home. The first step of the request procedure will be that of the online estimate, which will allow us to easily identify the financing option that is right for us based on the repayment installment envisaged and the applied Tan and Taeg interest rates. Once the ideal duration has been chosen, we will be able to proceed with the request for the small loan of 1,000 euros to which we are interested. Obviously you will need to enter all our personal data, a telephone number and email address, which will be used by the bank for any communication related to our practice.
Another great advantage is certainly that of speed, a fundamental requirement for any form of financing. With the small loans of 1,000 euros, the requested money will be credited to us within a few hours from the time the request is sent. Let’s now look in detail at the characteristics of loans for small amounts offered by some of the major companies to which we can turn. To compare the treatments reserved for its customers by the various financial institutions we decided to proceed by requesting a quote. So let’s see how we can calculate the repayment installment through the websites of the various companies, and what are the results we obtained, in order to have a complete overview of the treatments available on the market.
Loans of 1000 euros without wages and bad payers: how to apply for them
One of the advantages of 1,000 euro loans is that as it is a particularly low sum of money, lenders are more inclined to supply. This does not mean that there will be no guarantees required, but surely the requisites necessary to receive the financing we need will be much less restrictive than what happens for the higher amounts of money. In particular, personal loans of 1,000 euros are often provided without problems also to those who are without paychecks and bad payers, through the presentation of alternative guarantees.
If you are not a salaried employee and therefore do not have a paycheck to present to your bank when applying for funding, sometimes you may have problems receiving funding. Anyone who can receive 1,000 euros even if they belong to the list of so-called “bad payers” is any pensioner. The latter can submit to the bank the last pension slip, which guarantees a steady income insured every month, from which the repayment installment that we are going to fix can be withheld.
Another category of customers who can apply for a loan of 1,000 euros without a paycheck is that of self-employed workers. The latter, unlike employees and retired employees, can not guarantee a fixed monthly income to the company providing the loan. Although the gains received by a self-employed worker over the course of a year may in some cases be greater than those of an employee, not all credit institutions are willing to grant a loan because in some months the earnings may be too low to face the repayment installment. In the case of loans of € 1,000 this danger is not there since the fixed installment will in any case be rather low, especially if we choose a high duration, and therefore you can have access to financing simply by submitting the last tax return.
Is it possible to apply for a loan of € 1,000 for bad payers if you are unemployed and therefore without a paycheck? It is usually quite complicated, but fortunately there are alternative guarantees that we can present. The best solution is the presentation of a guarantor, who can be a relative or a friend. The guarantor will have to go with us to the branch at the time of the request, bringing with it the last paycheck or contract of employment. In this way he will provide the necessary guarantees for the provision of the loan in our place. By signing the contract that will bind us to the bank, we will of course commit ourselves to pay the repayment installment set by the due date every month; the guarantor will instead take on the installments that we will not be able to pay.
These are the financing solutions of 1,000 euros for those without payroll and for bad payers who turn to a bank. Alternatively, we recommend private loans, which can be very useful if you have problems receiving a loan from a bank. The best solution is that of social lending, that is, social lending. In this case, the 1,000 euros we need will be paid by a private individual. This is a completely legal form of financing, which is managed by the social lending community. The main ones are Smartika, Blender, and Soisy Prestiamoci, and the requested mode will be very similar to that of the classic personal loans.
Small Astrofinance loans from 1000 euros: how to request an online quote
The first company we want to analyze is Astrofinance. Without doubt one of the major banks to which we can apply for a loan, offers reliability and convenience to its customers. If you are looking for any amount, on the company’s website you will find the product that is right for you. The Astrofinance personal loans allow you to have access to a sum ranging from a minimum of 1,000 up to a maximum of 60,000 euros. To gain access, the necessary requirements will be between the ages of 18 and 75, be resident in Italy and have a demonstrable income. In order to receive a small amount, as is the case with the 1,000 euro loans, it will not be necessary to have a particularly high income.
To know the cost to which we will meet in case of loan request, a very useful tool that we find on the company’s website is the simulator. Thanks to this we can immediately know the amount of each installment and the related interest rate applied. To do this you will not need to register on the site, nor will we have to be company customers. The only data that will be requested will be the sum we need, the rate we prefer (if we prefer one in particular) and the project we want to achieve. Among the projects that we can choose in the case of loans from € 1,000 we have for example the purchase of a used car or bike, or objects for the home such as appliances, furniture, or even electronic products such as PCs, smartphones or Tablet.
For example, we simulated the case of a customer who is interested in buying a used bike, costing 1,000 euros. By starting the software, the best proposal presented to us is that which provides for a repayment in 18 monthly installments. The amount of each installment in this case will be 59.80 euros. As mentioned, we are also presented with the applied interest rates, which will be fixed with a 9,44% Tan and a 9,86% Taeg.
A thousand euro Ultranix loan: how to calculate the installment online quickly
Another financial company that offers excellent opportunities to its customers is Ultranix. With Ultranix personal loans, you can request up to 30,000 euros, also through the online procedure. Also in this case we are offered the possibility to calculate the monthly repayment installment without registration and without obligation. To do so we will simply have to enter the amount we need, and the simulator will present a list of proposals, which differ for the duration of the repayment, and consequently for the installment and the interest we will pay. Obviously at a longer duration will correspond a lighter installment but paying a higher sum for the interests, while lowering the duration we will have to face a higher monthly payment, but with the advantage of paying less for the interest.
The proposals presented to us by inserting an amount equal to 1,000 euros are different, and start from a minimum duration of 6 months up to a maximum of 24 months. We ourselves will choose the number of months in which to make the reimbursement, based precisely on the installment that is presented to us and the interest applied. The results obtained from our estimate request for a € 1,000 Ultranix loan are shown in the following table.
You immediately notice how the repayment installment is considerably lower in the case of a repayment in 24 installments compared to that which only provides for 6 installments. However, whenever possible, it is always preferable to choose a shorter duration, as the sum that we will pay for the interest will be considerably lower. Especially in this case, where the amount requested is not particularly high, it is preferable to choose a reimbursement of up to 12 months, unless there are special requirements.
Cleopar estimates for small fast loans
Cleopar loans are slightly different than the products offered by other companies. What changes is in particular the amount that we can request through small loans. In fact, it will not be possible to request a quote for a sum of 1,000 euros, in fact the minimum threshold is set at 5,000 euros. So if you are interested in funding for less than this you will have to go directly to the branch to find a solution.
To request a quote we will have to enter the amount we need and the duration we prefer, in order to allow the simulator to calculate the monthly repayment installment that we will pay. The table below shows all the characteristics of the 5,000 euro loans, with the duration of the loan, the repayment installment and the interest rates of Tan and Taeg that we will have to pay on the sum requested.
The minimum duration granted by Cleopar is 24 months, and since it is a loan of 5,000 euros in this case it may be preferable to choose a repayment in a larger number of installments. As we can see in the table above, in fact, the installment that we will have to pay by choosing a 24 month duration is 235.10 euros. This is a not inconsiderable sum, therefore, to avoid being in the future in difficulty in paying the monthly payment, our advice is to carefully evaluate the repayment installment that we can deal with without problems.
Plausible choices can therefore be those that provide for a repayment in 48 or 54 months, with monthly installments of 129.10 euros and 117.42 euros respectively. Another important fact that we must take into consideration is obviously the Taeg interest rate applied. As highlighted by the table, in fact, the Tan is fixed at 9.90%, regardless of the duration chosen by us. The Taeg decreases instead with increasing number of months, but we must not be fooled by this fact! What decreases is only the amount of interest we will pay annually: overall interest increases as the duration of the loan increases.
Loans from 1000 euros with Italian Post Office: Fostal Bank estimate
The last option we want to analyze to give you a complete overview of the products available on the market, is that of Postal Service Italy loans. As we know, it is one of the companies that offers the best treatments to its customers. On the company’s website we find a detailed description of all the products offered, in particular regarding Fostal Bank personal loans. With these loans you can receive a sum that goes from a minimum of 1,500 euros, up to a maximum of 30,000 euros.
To request a quote you will need to log in to the Postal Service Italy website. If you do not have an account do not worry, because it will take a few minutes to register with the site. Once registration is complete, all you need to do is enter the amount you need and the duration of the financing you prefer. Immediately you will be presented with the repayment installment that you will have to pay each month and the Tan and Taeg interest rates that will be applied to the requested sum. Once you have identified the product that is right for you, you can immediately proceed with the loan request you need. The forms and all the necessary documentation can be sent completely online or, alternatively, by sending the paper you have signed.