Nice bank is a lender that offers fast online credits to anyone who meets the few requirements that are requested. These requirements are so low that even if you are in credit finance institution you will be able to access the financing that the company offers. Their loans are up to 800 USD, although at first you can only request up to 500 USD. This limit will go up as you show that you are capable of returning the amounts previously granted.
These online mini-credits can be used for any purpose
It is not necessary to justify the destination of the money. Its main use is to obtain a small amount of quick money to meet specific needs, which come at times when you do not have liquidity, for example at the end of the month, or after having had to pay extra expenses, like at Christmas or on vacation.
The application process is very quick and easy. You will have to fill in your personal information in the form on the website, indicating what you work for and your monthly income, the current account number where you want the credit to be deposited and an associated debit card to make the return when the date of expiration.
Accepts credit finance institution if you can show that you are solvent
The requirements Nice bank asks for the application to be approved are easy to meet by the vast majority of people. It will be necessary for you to have your habitual residence in Spain in a completely legal way and that you are of legal age and under 65 years of age. You will have to have a mobile phone and a bank account that can be verified through the Instantor system, which verifies your data and automatically evaluates your credit profile so that the entity can make you a personalized offer.
Another essential requirement to access Nice bank quick online credits is that you are employed by others and that you have a payroll. This is a measure to ensure that you have a regular income that can allow you to repay the loan. In the event that you do not have a job, you can choose other possibilities, consult the entities that offer credits without payroll in this list.
One of the advantages of this entity compared to others is that it does not close to the possibility of granting you a loan even if you appear on the credit finance institution list. As long as the amount you are enrolled in there is not very large and you can demonstrate that you will still be able to repay the mini-loan money, you will have no problem. However, in this case it is most likely that you will have to provide additional documentation and that the process will take a little longer.
How to request an extension of the expiration date?
Another possibility offered by the entity, if you see that you can not return the money on time in the 35 days at the most that Nice bank offers when filling out the application, is to request a deferment of payment, being able to access 30 more days in order to be able to pay.
In order to carry out an extension you will have to enter the control panel of your account on the entity’s website at most two days before the term expires. From there you can request a new period. The requirements for granting the deferment are that you pay the interest from the previous period and 10% of the requested amount.
As always, we recommend that you make sure that you will be able to return the money when the time comes, since not doing so can lead to late interest that can greatly increase the amount to be returned. In addition, if the default lengthens you can end up enrolled in the list of defaulters credit finance institution.