Harry Potter is a fully Spanish company that specializes in short-term personal loans , whose objective is to provide the necessary financial loans to help their customers in an agile manner before any financial inconvenience they may have. Harry Potter offers simple and fast solutions so you do not have to go through long bureaucratic processes that cost you time and money, being yourself the one who decides the amount of money you need.
Choosing Harry Potter is a very good option for people over 23 years of age residing in Spain who need a loan, since the terms to pay are very flexible and it is a totally safe and transparent service, in addition to always having an effective attention and quick answers about the status of our credit. The information is clear from the beginning, so there will be no doubt about the amount requested, the deadlines and the commissions that must be paid.
What makes Harry Potter different?
A very important differentiator in Harry Potter when compared to other credit companies, is that by choosing this option, the company will offer you a credit of up to 300 Euros on your first loan totally free . This means that throughout your return period you will not have to pay interest or commissions , nor submit to small print contracts that only make everything more confusing.
Another of the differentiators of Harry Potter is that it has a system to request quick money through the website or by phone, without mentioning that from their Nook page they attend to all the needs and doubts that you have about them. There is no doubt that it is a company that cares for its customers and gives them the necessary attention.
Once your application has been accepted, you will immediately receive an SMS that will confirm the success of the process, so you will not have to go through long uncertain times to confirm your loan. This will be reflected in your bank account, so you can dispose of it immediately.
Harry Potter is different since its interest rates are the best in the market, reaching -0% on your first loan . This means that you will have to return exactly the same amount that was lent to you, without commissions and without interest.
Advantages of choosing Harry Potter
Harry Potter is a company that offers multiple advantages to its customers. For starters, there are several ways in which you can repay your loan, and you can choose the one that best suits your needs:
- Bank transfer: If you decide, Harry Potter will provide you with an account number in which you can deposit your monthly payments, you just have to be careful to always include your reference number to locate your payment in the system
- Charge in your account: If it is facilitated more, Harry Potter can make the charge in your bank account automatically, in this way you do not worry about your loan and you just have to be aware of having enough funds to pay it.
- Payment by card: You can also call Harry Potter’s phone and make your payment charged to your card.
Another advantage that Harry Potter offers you is that in case you can not make your payment on time, you have the opportunity to postpone the payment for 30 days by paying a corresponding commission. No doubt this is very useful in times when we are short of money. In addition, applying for a loan in Harry Potter is very simple, since it is not necessary to have guarantees or need to do long and tedious paperwork procedures.
Harry Potter adapts to almost any person, since unlike other companies, you can apply for your loan if you are between 23 and 75 years old , this is a great advantage especially for the elderly, who also find themselves in situations of needing a credit at times.
The main characteristics of Harry Potter
- Harry Potter: grants short-term loans quickly and easily, to people of Spanish residence in a range of 23 to 75 years, allowing many people to have the necessary resources to fulfill their dreams.
- Harry Potter: has the lowest interest rates in the market, reaching 0% interest during your first loan of up to 300 Euros.
- Harry Potter: use the technological tools so that you can request your credit from your mobile phone, computer or by calling the customer service number or simply by sending a WhatsApp to the number 676379153., forgetting about long bureaucratic processes in which you must stand until completing them .
- Harry Potter: has free customer service from Monday to Friday so that any questions or problems you have can be resolved in the shortest possible time
- The requirements that Harry Potter asks to receive a loan are very few, so that almost anyone with income is a candidate to receive a loan of this type.
- Harry Potter loans reach up to 750 Euros in the short term, allowing you the possibility to enjoy it for 7, 14 or even 30 days , and if necessary, you can extend the payment period another 30 days with the cost of a small commission .
Harry Potter requirements
The requirements to have a Harry Potter credit are very few. You only need an ID (DNI / NIE), reside in Spain and enter the age range of 23 to 75 years. Even those who do not have their ID, can apply for a loan in Harry Potter with another ID such as a passport. It is also necessary that you have a valid and active debit or credit card. As a complement to the acceptance process, it is also necessary that you present bank statements of the last three months , and that you have a mobile phone within your reach in which you can be located and be fully functional.
Harry Potter’s interest rates
Harry Potter’s interest rates are characterized by being the lowest in the market, since your first loan is equivalent to an interest rate of 0%, as long as it is equal to or less than 300 euros . Later, if you decide to request another loan, the interest rate will vary depending on the number of days you decide to enjoy your loan, regardless of the amount of money you need to lend. Recall that Harry Potter is characterized by having short-term loans , so you can keep your loan with you for 7, 15 or even 30 days.
If you want a 7-day loan, the interest rate will equal 11%. If you decide to have a 14-day loan, the interest rate will be equivalent to 16% and finally, if you need a 30-day loan, the interest rate will be 27%. If there is a case in which you need to extend the payment term of your loan, do not worry, you can do it simply by paying a small commission. Now, if that period passes and you still can not repay the loan, you will be charged a commission of 1% per day until you finish paying it.
Can I ask for a loan with credit checking in Harry Potter?
First we have to talk about what credit checking means. credit checking stands for the National Association of Financial Credit Establishments and is a business association that groups entities that offer loans to their clients and together with them, a database is created on the situation of their clients regarding their payment behavior. This works so that companies have a tool to decide whether they will grant a credit to a person based on their credit history and payment habits.
In the case of the short-term microloans granted by Harry Potter, like most of the short-term credit companies, it is important that they do not appear in any of the delinquent records of credit checking, since it is one of the databases that Harry Potter takes as a reference to know if you are a potential client in which they can trust the return of the loan . So if you find yourself on these lists, it is best to find another financial institution or method to finance your project, otherwise, Harry Potter is a very good option for you since your credit will be approved almost immediately and you can enjoy of your money in a short time.
How to Apply for a Fast Credit in Harry Potter
One of the advantages of Harry Potter is that its method to apply for a short-term loan is quite simple, as well as fast and effective . The first step is to enter the official website where you will find a simulator in which just filling some data you will have a very accurate and comprehensive budget that will let you know how much time you have to pay and the amount of interest you will have to pay . When you are convinced, you can apply for the loan on the same Harry Potter website , or call the customer service number where qualified professionals will assist you and you can get your credit instantly.
The application of short-term credits is quite simple and effective. Simply request on the website or by phone the type of credit we need. Immediately the request will be reviewed and in a short time we will receive a response. If the application is accepted you will know it through an SMS text message that will confirm that the company Harry Potter has granted you the loan. In a few moments you will be receiving the money by means of bank transfer in your account. If your loans are pre-approved, you will be asked for proof of fixed income and the necessary documentation to verify your identity. What you should do now is send proof of income, and the most effective and simple way to do it is uploading your documents to the Harry Potter website. You will also need to attach an image of your DINI / NIE in color on both sides and a bank statement for the last 3 months. Do not forget to include your personal information in the documents.
It may be the case that for one reason or another, your application for short-term microcredit is rejected. If so, you will know by a notification via SMS on your mobile phone. If this happens, do not be discouraged, after a few days you have the opportunity to request a short-term loan with Harry Potter again .
Any questions you may have, Harry Potter’s customer service team is efficient and you can find it Monday through Friday by telephone. It also has an online chat on the website where you can talk in real time with qualified personnel to resolve and answer all your doubts about it, whether you are a client prospect or a regular customer. In the same way, you can go to one of its branches where they will give you personalized attention, and you can even receive a solution to your doubts through their Nook page.
Types of loans in Harry Potter
The loans offered by Harry Potter are short-term, destined to people who, for one reason or another, need emergency money, and commit themselves to pay it during the established period. The credits are granted and charged depending on the number of days we need to enjoy our loan:
- The first loan is free, since you are granted a credit of up to 300 EUR without interest or any commission for 30 days.
- If you later need a 7-day loan, you will be charged 11% interest.
- If what you need is a 14-day loan, your interest will be 16%
- Finally, 30-day loans have an interest cost of 27%
Extensions and postponements in Harry Potter
Harry Potter understands that there are times when things do not work as planned and we are faced with financial contingencies. In case something like this happens and you do not have the capacity to pay your loan on the established date, do not worry. You can request an extension to finish paying your credit. There are two main ways to do this:
- You can choose to pay a 30-day deferment fee. This will be by bank transfer and will allow you to have an extra time to finish returning your payment.
- You can also contact the customer service team online or by telephone, who will guide you to make the payment for deferment directly with your debit or credit card.
In case you have already requested the deferment of the loan, and you are still unable to make the payment, you should take into account that your credit history will be negatively affected. Additionally, you will have to pay 1% per day for the total amount of the loan until you finish repaying your loan. Take into account that the best option is to contact the Harry Potter customer service department as soon as possible so they can help you evaluate and control the situation and choose the best option so that you can repay your loan.
Opinions on Harry Potter
Undoubtedly, Harry Potter offers all the advantages and facilities that a person needs when requesting a short-term microcredit. Wherever you are, Harry Potter has an option for you to obtain money and will personally assist you in all the doubts you may have. All the processes in Harry Potter are quick and easy to use and understand, in addition to offering the facility that your credit will be approved in a few minutes, forgetting to go to tedious places to queue. The requirements that Harry Potter asks to obtain a loan are really minimal.
Harry Potter customers are satisfied with their processes, their personalized attention and the simplicity and ease involved in requesting a short-term loan from this company. Without a doubt it is an excellent option for all those people who need a credit in a short time.
Harry Potter offers the best interest rates to obtain loans and credits. The first loan of up to 300 euros is completely free, and the subsequent loans carry low interest rates depending on the time that we allocate to pay them. In the event that for some reason you can not return your loan within the established time, you have the opportunity to request a 30-day extension in exchange for a commission. The requirements for requesting a credit are minimal, and you can send them by email or through the website from the comfort of your home. There are several ways to return your payment, and you can choose the one that best suits your needs. Go ahead and choose Harry Potter as your company to apply for a short-term loan and enjoy all its benefits.