Wandoo: quick loans up to € 850

Image result for wandooGet up to € 850 urgent at Wandoo.es. New customers benefit from the first free credit . Wandoo is a pioneer in using the Kontomatik system to grant loans 24 hours a day, 7 days a week, without waiting and without questions. Get the urgent money you need even on a holiday and at dawn!

 

Benefits Free: First free credit No Payroll: Do not With Asnef: Do not Cash: Do not Limits Minimum term: 7 days Deadline: 30 days Minimum loan: € 5 Maximum loan: € 850

Additional information from Wandoo

 

 

 Wandoo is a company of French origin that comes to Spain to offer small online loans of up to € 850 in a few minutes. The requirements to get money fast in Wandoo are minimal and there are no questions or paperwork. With Wandoo, new customers take their first credit of up to € 300 at no cost and without interest , completely free of charge.

The amount of money that can be ordered in Wandoo ranges from € 50 to € 850 , although new customers with their first credit can only request a maximum of € 300. The term can be chosen between 7 and 30 days, although extensions of 30 days can be requested. You can ask for money at any time and receive it instantly as they have a 24×7 concession system based on Kintomatik.

New customers benefit from the first free credit at Wandoo.es , although with a maximum of € 300. The applicant returns exactly the same amount that he has requested, without interest and without expenses of any kind.

 

Steps to request a quick credit in Wandoo

The entire process is online, in addition Wandoo uses automatic systems to verify both the identity and the solvency of the applicants, so you do not need papers or documents to make the request. You receive the answer at the moment and without waiting, whether you are granted the loan or denied.

1.- First enter the website of wandoo.es and choose the amount of money you need and mark the period of up to 30 days. On the screen you will see the cost of the credit depending on the amount and the term chosen. If this is the first time you request a mini loan in Wandoo, the maximum amount is € 300, although later if you return the money within the agreed deadlines, the limit will go up to € 850.

credit request screen of wandoo.es

2.- Next, a screen appears in which you must fill in your personal and contact information . At the end of the form you must choose a password that will allow you to access the private area of ​​clients from which you will control your loans. Before clicking on the “Continue” button you will see that you must check some boxes in which you accept the conditions of Wandoo and a box in which you authorize the use of Kontomatik, that is the technology that verifies the identity and the account of the applicant.

3.- The third step is for Kontomatik to verify the data , for this they will ask you to connect to online banking. The system is totally safe and is necessary to be able to receive a credit instantly and without papers at any time of the day.

4.- After the data verification, Wandoo tells you if he grants you the quick loan that you have requested, if so, you receive the money in a few minutes.

Wandoo , like most companies dedicated to lending money, is designed for people who need a temporary loan of cash to cover unexpected expenses. Always make sure to request only the amount of money you need, amount that you are also able to return within the established time limit. It is important to plan your expenses and keep them controlled. Excessive debt can lead to problems repaying the loan, which will end up adding additional costs to it. You also have to bear in mind that if you pay your installments within the established period, you can request more loans and a higher amount.

Tips to finance the first communion with a consumer credit does not become a hell

 

The communions cost € 4,000 on average, although they can reach up to € 8,000 in budget according to a report from the UCA-UCE on the expenses of celebrating First Communion. Faced with these high costs are many families who can choose to go to a consumer credit to pay for the celebration . It is important to bear in mind that, before requesting financing, it is advisable to take into account several guidelines to do it responsibly and to pay as little as possible for the financing.

The 3 fundamental aspects before contracting financing

The banquet is the part that takes more budget , € 3.186 on average , the suit (average € 480 for girls and € 270 for children), accessories, photographic report or animation for the celebration are the main expenses in which we spend most of the money. If we are thinking of hiring a consumer credit for communion, we must take into account the following aspects:

1 – Do not finance the total cost so as not to borrow too much

It is always advisable to finance only a part of the expenses derived from a celebration. Thus, in this case we could request a consumer credit to pay, for example, the banquet and the rest do so with our savings. So the amount owed will not be so large and we can settle it as soon as possible.

2 – Find a cheap loan

If they are large expenses, credit cards will not be the solution since their interests are around 24%. If the amount we want to finance exceeds € 3,000, it is best to go to consumer loans to pay for it since their interests are usually around 8% . In addition, we must look for loans that do not have commissions or linked products to avoid other additional expenses. Among the credits for consumption destined to finance celebrations with better conditions at the moment we find the Cofidis Project Credit :

Lender Quantity Cost characteristics I’m interested
Project Cofidis Celebrations Credit € 4,000 – € 15,000 From 7.5% TIN (8.25% APR)
  • No commissions
  • Without changing bank
  • Transfer in 24 hours once approved
  • No linked products
Apply for

As we can see, not only is your APR in the average of personal loans, but it also has no commissions or liabilities and does not require changing banks to access it. The only thing we need will be to present, in addition to our identification documentation, the proof of purpose.

3 – Shorten the term to save on interest

Once we have decided what part of the expenses of the communion we will finance and we have chosen the credit with the best offer, it is time to choose how many installments and how much we will return the credit . It is advisable to shorten the term as much as possible for two reasons. The first is that we can settle the debt before it is not combined with other extra expenses such as holidays or “back to school” and, second, because the shorter the term less interest will be generated. To see it more clearly, let’s imagine that we decided to finance € 4,000 with Cofidis consumer credit during different periods:

Quantity Cost Term Monthly fee Total
€ 4,000 8% 6 € 682 € 4,094
€ 4,000 8% 12 € 348 € 4,175
€ 4,000 8% 24 € 181 € 4,342

As we can see, the shorter the refund, the less we will pay. However, it is important to choose a fee that is commensurate with our level of solvency so that the payment of the credit does not imply an imbalance in our monthly economy.