Online Loans in Italy, All You Need To Know:

Compare the best loans online for free and in just 5 minutes. At FUNDGECKO we help you through the small print of all the loans on the market, we explain what you should know before using them and how to get the best offer.

Also read: The Best Loans in Italy

Requirements to access online loans

When granting small amounts of money, the conditions of online mini-loans are less demanding than those required by other entities that grant large amounts of money, although it will be mandatory to comply with a minimum number of conditions to be able to access this type of financing:

1. To have an income. It will be essential to have a monthly salary as a payroll and that we receive it periodically and over time.
2. Be of legal age. Although by law there is a minimum age of 18 years to access a financial product, many entities ask to be over 21 or 25 years.
3. Be a resident in Italy. To certify this, you must send a copy of your identity card or residence permit. Often, credit entities do not lend to people who do not live in the country.
4. Not have outstanding debts or unpaid debts with other lenders or banks.

In order to analyze if we comply with these requirements and thus be granted the mini-loan, we must fill out an online form so that the lenders know our profile.

Documents to be submitted when requesting an online loan

The documents that these companies will request are simple and can usually be sent by uploading directly to the online form or by e-mail by scanning them or sending a photo. These are the documents that we must have ready to ask for a mini loan:

• Valid identity card.
• Last paycheck or income received (sometimes you can ask for the last three)
• Bank statement showing the holder and the account number.

Many companies currently use mini-credits with Instantor to avoid this step. This is an online identity verification application that will analyze our bank details to avoid sending any kind of paperwork and make the application process faster.

How to take out loans online step by step?

Steps to contract an online loan

1. Choose amount and term
2. Fill in the form
3. Send the documentation
4. Read and sign the contract

Online credit companies make money quickly to their customers, with a process that can take less than fifteen minutes. Thanks to your completely online application and automatic data analysis, we can get often online loans without payroll without any problem and in only four steps:

1. Request the amount and the deadline for repayment. We will specify what amount of money we want and how long we plan to return it.
2. Fill out the application form. In the next screen we will have to fill in the blank fields with our personal data: name and surname, ID, date of birth, mobile and address, among others.
3. Verification. Through Instantor or another online verification system, the lender will verify that our data corresponds to our bank account and will evaluate our financial profile based on the movements that appear. If everything is correct, they will approve our application and we will move on to the final stage.
4. Read and sign the contract. They will send us the contract by email and, after verifying that our data is correct and making all the pertinent checks, we will sign electronically through a code that will be sent to our cell phone.

Once the entity has the signed contract, the contract will be formalized and they will give the order to transfer the money requested to the account number we have detailed.

About this page, our methodology

What this page is for: our goal is to help you get the best financing for your needs. Therefore, here we explain you what credits with payday guarantee are, how you can compare them to know which one suits you and which offers are the most attractive right now.

Source: the information regarding the main characteristics of payday loans and their current regulation comes from Law 16/2011 on consumer credit contracts among other reference portals.

Methodology: the data relating to the conditions of these products (amount, term, interest, etc.) have been obtained through online research and consultation of the official statistics of the aforementioned reference sources.

About FUNDGECKO: we are an online comparator specialized in personal finance and home economics products. Here you can, in addition to comparing the conditions of all offers, find quality information that will help you identify the payday loans that best suit your needs.

Note: the services we offer are totally free for the user, as FUNDGECKO obtains its income from advertising and its featured products.

What this page is for: our goal is to help you get the best financing for your needs. Therefore, here we explain you what credits with personal guarantee are, how you can compare them to know which one suits you and which offers are the most attractive right now.

Source: the information regarding the main characteristics of personal loans and their current regulation comes from recent law on consumer credit contracts among other reference portals.

Methodology: the data relating to the conditions of these products (amount, term, interest, etc.) have been obtained through online research and consultation of the official statistics of the aforementioned reference sources.

About FUNDGECKO: we are an online comparator specialized in personal finance and home economics products. Here you can, in addition to comparing the conditions of all offers, find quality information that will help you identify the personal loans that best suit your needs.

Note: the services we offer are totally free for the user, as FUNDGECKO obtains its income from advertising and its featured products.