Is it possible to obtain a loan without a traditional current account?
Do you have a bank or postal account and would like to obtain personal financing? Find out how to apply for a loan with a prepaid card with iban!
obtain personal financing? Find out how to apply for a loan with a prepaid card with iban!” />
The need to obtain a specific sum for the purchase of a specific good or service, or a personal loan, may encounter some limitations precisely in the possible absence of a current account opened at the same banking institution to which one turns.
A problem that does not occur with companies that only provide financing, but that should no longer appear even when it comes to traditional banks. According to the liberalization law of 2012, in fact, consumers must be able to choose the most favorable conditions, so they must be able to enjoy the freedom to obtain a loan from a bank, keeping their current account with another bank.
However it should not be taken for granted that the banks do not make a certain resistance in this regard, after a very long period in which the practice also imposed the opening of the account as a fundamental condition for obtaining the loan. In addition, some conditions, generally more advantageous, are reserved only to current account holders (an aspect to be evaluated based on convenience). However, there are also other situations where no current account is required, without having to give up a loan.
Finalized loans: attention to costs also for the collection of installments
Above all by the financial institutions, in the case of specific loans, therefore intended for the purchase of a specific asset, it is possible to obtain the payment of the sum necessary for the purchase of the asset since the company that pays the loan pays the asset directly to the seller, and get the loan repaid through payment with postal bills.
However the “collection” costs are normally very high and also the interest rates are generally less favorable.
Loans on prepaid cards: possible in the case of “advanced” cards
Who does not want a current account, but is in possession of a rechargeable card with Iban which provides for the possibility of charging rid, can use it to obtain the credit of the sum requested on loan and the installments for the payment of the various installments. However it is necessary to inquire in advance because it is a practice not yet widespread.
Postepay’s solution with Special cash
An innovative solution is that proposed by Poste Italiane with the Special cash, for which it is enough to be owners or to buy and activate a postepay to obtain a loan, which will be a fixed sum equal to: 750 USD, 1000 USD or 1500 USD. The repayment duration is also fixed and varies according to the amount requested (respectively 15, 20 and 24 installments).
Practically the amount requested on the loan is credited to the postepay, and then the various installments are paid by post. This is a personal loan with a Taeg that varies from 17.83% (for 750 USD) to 15.34% for the sum of 1500 USD.
Examples of account cards
Among the account cards that allow domiciliation of bank rides and bills, and the ease of online management there are:
- Pocket Account of Astro bank, which costs only 1 USD a month. It can be managed as an online current account and also by telephone. In the event of problems you can ask for help from a consultant by telephone;
- Same features for the account card