Fast insured loans: here’s what they are, what to know about insurance

Fast and insured loans can be requested from practically all banks. In some cases this option is already included in the financing itself. In other cases the customer himself must request it as an extra. However, the major funding bodies, such as Zaloan, Viloan and Astro Finance are concerned about the inclusion of insurance already in the loan agreement.

This obviously protects the applicant from the dangerous problems that could occur in the long run. On the other hand, insurance is also useful for the bank to protect itself in the event of unforeseen circumstances in the life of the applicant. The speed at which the money is disbursed obviously depends on the amount of money disbursed and the checks and guarantees that the banks are required to carry out to protect themselves from fraud.

By now all the banks and financial institutions have developed formulas designed specifically for those who have the urgency to have money relatively quickly to sustain unexpected expenses. Fast personal loans can be obtained much faster than traditional loans. In some cases it is possible to obtain loans even in a time range between 24 and 48 hours (for smaller amounts). The amount that can be obtained with a fast insured loan ranges from 1,000 to 70,000 USD, depending on the credit institutions, customer needs and other factors. What are the best fast secured loans? Let’s find out together.

Creditstair Credit: a guarantee … young

Creditstair Credit has succeeded in cutting a noteworthy position among Italian banks and finance companies, despite the relatively small existence. All thanks to offers specifically targeted to customer needs. Nowadays Creditstair Credit is one of the most convenient financial companies operating on the Italian national territory, with lots of branches everywhere and offers well suited to everyone’s pockets. The loans of this financial company are then insured and guaranteed. The Taeg value of this loan is 6.88%.

  • Financial: Creditstair Credit
  • Product: Youcredit
  • TAN Fixed: 4.89%
  • Withdrawn amount: $ 5,000
  • Destination: Employees, self-employed and retired workers
  • Monthly installment
  • 94,10

The loan is calculated for a period of 60 months. The applicant will have to pay a total of 5,646 USD (646 more than the requested loan) to the bank.

Bankate Financing for secure loans

Bankate Financing for secure loans

Today in Italy there are many banks and financial institutions practically unknown to the general public. One of these is Bankate, a bank that offers numerous loans to its customers. Its flagship product is Personal Loan, a loan that can be used for numerous actions, such as restructuring and buying a used car. The interest rate here is less convenient than that offered by Creditstair Credit. Nevertheless, it is a rapidly developing financial institution that could be imposed on the Italian loan and financing scenario. The example below is based on a 60-month loan requested by an employee with a permanent contract with Tan and Taeg fixed (6.50% and 6.90% respectively).

  • Financial: Bankate Financing
  • Product: Personal loan
  • TAN Fixed: 6.50%
  • Withdrawn amount: $ 5,000
  • Destination: Employees and self-employed
  • Monthly installment
  • 97.83

Loan up to $ 60,000 for workers and retirees including bad payers! 

The customer must return 894 USD more to the financing body than the sum lent. Insurance is already included in the contract.

Astro Finance: a trusted financial institution

Astro Finance: a trusted financial institution

Among the best offers for financing at the national level, we certainly cannot forget about Astro Finance SpA. For some time now this funding body has been consolidated on the Italian territory and it is no coincidence that it is also one of the most popular. Astro Finance now has more than 35 offices in all the major Italian cities and offers its customers secure financing covered by insurance from all points of view. However, sometimes the discourse of convenience fails, especially for low-volume loans. Nevertheless, in the period between August 2017 and January 2018 Astro Finance was one of the most popular financial companies (along with Zaloan and Viloan). His workhorse is definitely the product we trust . The interest rate of the latter changes in relation to the purpose of the loan, the duration of the loan, the amount requested, the place of residence of the applicant, his employment and so on.

  • Financial: Astro Finance
  • Product: We trust
  • TAN Fixed: 7.41%
  • Withdrawn amount: $ 5,000
  • Destination: Employees and self-employed
  • Monthly installment
  • 99.96

At the end of the loan the customer will have to pay the bank a total of 1,150 USD more than the amount lent.

Zaloan: a guarantee in addition to convenience

Zaloan: a guarantee in addition to convenience

It is no secret that Zaloan products stand out among the best offers throughout Italy. By now it is a financial company with a consolidated reputation over time. More and more people are turning to it, so much so that it is the most popular credit institution in Italy. To meet the needs of its customers, Zaloan develops increasingly new offers. Convenience here is combined with comfort, as the Zaloan allows you to request loans online. To all this is added the free choice of insurance: the customer can request it or not request it, depending on the case. Sometimes, however, it is the financial company itself that places this option in the loan contract to protect itself and to protect the customer from the many unexpected events that may occur. The most requested product of the Zaloan is undoubtedly the Personal Credit, a loan that can be aimed at different jobs, purchases or projects, but which in any case turns out to be very convenient anyway. For example, for the purchase of the used car Zaloan offers the customer a Personal Credit with a fixed 5.80% Tan and a fixed Taeg of 6.04% for a requested amount of 10,000 USD and an equal loan term at 84 months.

  • Financial: Zaloan
  • Product: Personal Credit
  • TAN fixed: 5.80%
  • Amount paid out: $ 10,000
  • Destination: Employees and self-employed
  • Monthly installment
  • 145.13

Loan insurance: is it important?

Loan insurance: is it important?

Loan insurance is essential to protect yourself from the unexpected that can happen and have your back covered. The bank loan specialists advise you to take out insurance before signing the loan agreement, so that if something problematic happens, the customer can defend himself. In addition, the insurance could repay part of the loan instead of the customer if he was not able to defend it against numerous further troubles.