Gandalf like other mini-credits have become today one of the primary tools to face all kinds of unforeseen expenses, many of which require that we respond quickly and effectively to the different eventualities that may surprise us at any time.
For this reason, it is essential to have knowledge of the various institutions with which we can count when these situations arise in which we require an immediate use of cash.
What is Gandalf
One of the best options that we can currently use in Spain is Gandalf, a website that offers the financial service to obtain fast online mini credits, an entity through which we can apply for loans urgently without complicated bureaucratic processes, which in Many times, they end up causing great delays with which in the end we can no longer solve the original problem for which we required such loans.
Also, Gandalf facilitates in many ways the management to request a loan, informing us the same day of the request, whether they have accepted or not our request for a loan.
It is for this reason that today we can count on a greater financial shielding against the economic emergencies that usually surprise us at the most critical moments of our day to day life, but as mentioned, this is no longer a problem of great magnitude, thanks to this innovative credit tool.
What makes Gandalf different
What makes Gandalf different from other financial institutions, lies in the ease with which you can access your credits, because one of its great peculiarities lies in the trust they try to provide to each of their clients.
Since they make loans even to people who are already in the credit check registry as debtors, a situation that is enough for many banks to deny any type of loan to their clients, but this is not the case of Gandalf, which Unlike many of the entities that provide financial services to which we can turn today.
Similarly, Gandalf is not only differentiated by the trust it has towards its clients, but also by the speed with which it provides its loans, since in just 24 hours we can use its credits in a guaranteed way, and this no need to make long lines in the banks, or do overwhelming procedures that seem interminable, only to finally deny us the credit we so much need at that time, which is often the case with most traditional banks.
Finally, one of the most notable differences, which make Gandalf a service of outstanding quality, is the provision of a technical service line that is available 24 hours a day, to answer any questions or clarifications that may arise. with respect to the loans that we wish to request, that we already have in process, or of those that we have already arranged.
Of course this is a very remarkable advantage, because with the banks we only have a specific schedule to receive some kind of attention in their facilities, which takes a lot of time to carry out other activities, which in the current times is essential, as people today they tend to live very busy with all kinds of work, family and social responsibilities.
Types of loans in Gandalf
We can apply for a variety of loan types at Gandalf, among which the following can be mentioned:
- Easy Credit
- Immediate Credit
- Quick Credit
- Fast Credit with credit check
- Fast Credit Online
- Quick Credit without Documentation
- Fast Credit without Payroll
- Online Credits
- Personal Credits
- Quick credits
- Rapid Microcredits
- Mini Instant Credit
- Mini Credits with credit check
- Mini Quick Credits Online
- Mini-credit Online without Payroll
- Mini-credits Online
- Mini-credits without Payroll
- Online Credit Application
Each of these options will depend on our ability to pay, the time we need, the amount of payments we are willing to make, the means of payment, as well as the urgency we have to make use of the credits.
In this way, we have a wide range of possibilities so that the use of our credit is adjusted to our economic possibilities, and thus we have the greatest possible comfort to manage our credit situation, so that ultimately it depends on the characteristics Look for each applicant to decide on one or another type of credit.
Advantages of choosing Gandalf Credit
Having in mind the possibility of using Gandalf to apply for a mini credit, it is always essential to take into account the various elements on which this entity has several advantages over its potential competitors.
For people who want to know about these particularities, which could convince them when it comes to determining which is the best option to apply for a loan, we must mention those advantages that can turn Gandalf into a serious possibility to face any type of expense that we have to perform suddenly.
To begin with, one of the great advantages of this financial association lies in the facility it offers to make deposits to the credit card in a comfortable and safe way.
On the other hand, the speed of a loan through Gandalf is assured by allowing the application through a mobile phone or smart phone, so you can do the process from virtually anywhere you are, advantage that is essential to feel safe against any type of unforeseen, because just by counting on a mobile phone, we can emerge Gandalfous against emergencies that occur at inopportune moments, such as a vacation trip, the payment of a tuition, or a limited time offer .
With all these benefits, many will be asked if it is safe to enter your personal data online, but that is another of the great advantages of this service, as Gandalf ensures the total protection of personal data, so that their customers do not have to worry about any misuse of your personal information, so you can go to these credits without any concern.
The main features of Gandalf
Among some of the characteristics that make Gandalf very special, are the BNM security certificates, through which they can guarantee that all their data are encrypted, thus ensuring confidentiality in operations and the various processes of application to the credits.
Another feature is that to apply for a loan, we only have to select the amount and term that suits us best on your website, because each applicant has different needs and different payment capabilities, so we are offered the possibility to customize our credit so that it is as accessible to us as possible in every way.
Also, it is important to mention that you are not asked to justify the loan with a stable job, since you only need to have periodic income that can be demonstrated, such as a pension, an unemployment benefit or even family support, etc. .
Another very important fact is that Gandalf also allows foreigners to make use of their credits, requiring them only to reside in Spain, and to have their NIE and passport.
It is safe to ask for a loan at Gandalf
For those who hesitate only for the distrust that still exists towards online services, we must emphasize the fact that Gandalf provides maximum security and backup of your personal data, as it has BNM certificates, which are issued by an international certifying authority, which is responsible for the protection of transactions in line with industry standard encryption, which is already a guarantee that can give us absolute confidence in each of the transactions that are made.
For those who wish to apply for a loan with Gandalf, they are only asked for five very simple requirements:
- Be at least 21 years old.
- Reside in Spain.
- Have a periodic income that can be demonstrated, such as payroll, a pension, or unemployment benefit.
- Have a personal mobile phone
- Have a bank account that is in your name.
Of course, these are five very basic and simple requirements, which in essence can be met without problems by the majority of the economically active Spanish population.
Interest rates of Gandalf
Regarding the interest rate, this is a fundamental fact for many of the potential clients, however, the rate is fixed individually, that is, depending on the characteristics of each loan of the applicants, so that only may set a rate after the respective credit check of each client, varying this based on the needs and capabilities of users.
However, the rates are very good according to the profile of the applicants, so they can be expected to be accessible and easy to use in order to complete the loans without problems.
You can ask for a loan with credit check in Gandalf
For those who wonder if you can ask for a loan while at credit check, the answer is yes, provided it is not for a financial debt, and that the amount is not greater than 2,000 euros.
Customer service Gandalf
The mobile phone is a great tool to make more dynamic and fluid loans, so it is always vital that you enter a personal phone and not a friend or family, it works as an application where you can receive messages of the status of our loan, as well as notifications of movements in them.
In the same way, providing our personal telephone will allow us to obtain an improvement in customer service and of higher quality, which is why it is essential that this requirement is not omitted by providing another person’s telephone, as this could only affect our final service.
How to apply for Gandalf credits
To apply for loans with Gandalf, we only have to carry out a series of simple steps to fulfill. First you must indicate the amount to request, as well as the date of the return of the credit.
Once this is done, only the forms must be filled out with our respective personal and financial information. Then we must receive on our mobile a series of instructions by SMS.
Then, if it is the first credit requested, you must check the data entered through the Instator platform, selecting your bank and connecting to your online banking in a very secure process.
Likewise, alternatively, documents can be sent by email, but for this option an immediate response to the request will not be obtained.
Subsequently, Gandalf will be notifying, either by SMS or by email if your request has been accepted. You only have to accept the contract conditions through a digital signature, and that same day, Gandalf will transfer to your bank account.
How to return credits of Gandalf
On the other hand, to return the requested loan, you only have to do it within the terms that you selected, either through a bank card, through your user account on your web portal, or through a bank transfer, indicating the amount of the invoice in the bank account, mentioning your ID in the reference of the transfer and the loan number.
Prorogations and postponements of the Gandalf
In the event that, due to a certain circumstance, the clients are delayed in some payment and have not processed any postponement for it, an interest penalty will be issued for the delay of the payments, with an amount that will be equivalent to 1% per day. late payments.
It is important to clarify that Gandalf does not admit to postpone the date of repayment of the loans, so it is vital that the applicants calculate the return date appropriately according to their ability to pay, because if they are delayed, the respective fees will be applied. unpaid
It should be noted that in any case, the penalties may exceed two and a half times the APR (annual equivalent rate).
Opinions about Gandalf
Susana G.- I contracted a loan with Gandalf for the payment of a machine in my business, it was very fast and simple.
Jorge L.- I wanted to surprise my wife and I asked Gandalf for a trip, it was great and easy to hire.
Manuel P.- Undoubtedly, it is a legit company, and it offers flexible credits.
In summary, Gandalf is a fairly safe company, which can be very useful when it comes to solving any unforeseen expenses that may affect our commitments in daily life.
Similarly, the mini credits are here to stay, and Gandalf is one of the best options we can take in this regard, for the facilities it provides, the easy access of their loans and the security of guarantees throughout the application process. and payment, even when this is done over the Internet, instruments that increasingly show greater security and support for users.