When we borrow money, even through online channels, it is necessary to meet certain requirements in order for us to approve the request.
Basically we need to have a credit profile that is attractive to banks, savings banks or other financial entities. In this note I tell you what credit profile you need for an online loan .
A good credit history
The intermediary platforms between banks (or other financial entities) and clients ensure that they connect the former with potential clients. Potential clients are people who have a good credit history , that is to say they had no problems for not paying with the payments of previous loans or credits.
Remember that if you delay your payments, your rating changes at the risk centers. And even if you pay later, it will take up to six months to improve your credit rating!
Not only do they have bank payment delays
This is something that very few people take into account when they ask for a loan, but banks and risk centers do care. The arrears that are taken into account are not only those of loans or credits, but also those of payments for services in your name. So if you have a debt to pay off , for example , a mobile phone service, they will most likely reject your credit application.
Have verifiable income
It is important that the bank knows that you can pay the loan that you request. That is why you must support your income. Some may ask for receipts for fees, pay slips, etc.
If you meet these requirements, you are one step closer to getting an online loan approved. Through virtual platforms, such as Good Finance, intermediaries between you and financial institutions, you can access online loans from S / 500 to S / 30,000. Have you already evaluated yourself? There are no hidden costs! Know the requirements, rates and conditions here .