Your Mini-Credit Without Payroll or Guarantee Loan Consolidation Instantly!

Your Mini-Credit Without Payroll or Guarantee Loan Consolidation Instantly!

Gaplan Loan is a large mini – lending company that is doing its job very well in recent times. Do you want to know more about them? So, keep reading, because you are before the deepest analysis that is done about this company. Lets go see it!

Who is behind this entity? Is Gaplan Loan legit?

Gaplan Loan is a subsidiary of Financial Technology International, which operates in several countries in Eastern Europe. It is a company that puts the focus on information, transparency and responsibility in the request and grant of mini-credits, which is reflected in what it offers.

This company has a free credit of € 300 available to new customers. It is a way of checking the responsibility of that customer who approaches the company and demonstrates that he is able to return the requested mini-credit within the stipulated period.

It offers a great advantage to its clients regarding what the competition does: the extension of the credit. This can be a good way out of situations in which the agreed upon is not reached, but there are indications that this return will be able to be made if this extension is granted.

Gaplan Loan is a perfectly reliable company. If the terms of your loans attract you, you should not worry about this issue, since they offer you as many guarantees as most of the companies in this sector, both legally and customer service.

The Gaplan Loan mini-loan

The Gandalf Loan mini-loan

Once the reliability of the company is seen, we can take a look at the characteristics that they offer us in their mini-credit. We are sure that they will surprise you!

  • Maximum amount: € 1,000. Gaplan Loan stands out in this aspect. We are already talking about amounts that exceed what is normally granted in this type of mini-credits. It is one of the most offered, well above the average of about € 500 that exists in these types of products.
  • Minimum amount: € 50. Like most companies, Gaplan Loan establishes this minimum price at which credits can be requested. It is a way that neither they nor the client lose time in credits that are not going to get the entity to make money or resolve anything to the requestor.
  • First free credit of up to € 300. This first loan in which you do not have to pay interest is an ideal way to test the company, see if it meets your expectations, if it serves you as you deserve and if it will interest you in the future to hire more credits with it. And, for the entity, it’s a good way to prove yourself.
  • Maximum return period: 30 days. It is the standard term that prevails in this type of products. The negative here is that if you ask for very high figures, as is possible with this entity, the chances of returning it in time are greatly reduced.
  • Minimum return period: There is not. Although in its simulator the minimum term that is proposed is 5 days, the entity makes it clear that you can return it at any time in which you have the money prepared.
  • Response time: 2 minutes. We speak here of the leading entity in speed, as long as they meet that deadline. The process is automated, with which it is very easy to obtain an almost instantaneous response.
  • Time until you have the money: 15 minutes. Gaplan Loan works with several banks. If you share one, your money will be in your account in a few minutes. If not, you will have to wait one or two days.
  • Early cancellation allowed: you can cancel the credit early and make only pay for the corresponding days. A way to make things easier for you and adapt to you.
  • Possibility of extension: in this case, what would be paid would be according to the term in which it is extended. It is another way to make you have at your disposal a great flexibility to hire just what you need.

Requirements to request it and other conditions

As usual, to apply for the microcredit, it will be essential that you meet certain requirements. The requirements of this entity to qualify for the microcredit are the following:

  • It is not necessary to have payroll : this entity allows you to request those mini-credits without having a payroll. The pension or unemployment subsidy will allow you to access this product.
  • No endorsement is necessary: ​​as long as you show that you have that regular income, the endorsement will not be a problem for you. You can request a mini-credit without having to risk your vehicle or your home.
  • It is not valid for those registered in Financial Credit Institutions: If you are in Financial Credit Institutions, there are several entities that can accept your request, but Gaplan Loan is not one of them. It does not accept those who already appear as delinquent, which serves to minimize the risk of default.
  • Minimum age: 21 years. Gaplan Loan does impose a minimum age that does not coincide with the age of majority. This is based on the fact that younger people are one of the collectives that has greater difficulties when it comes to returning the money they have lent to them.
  • Maximum age: 75 years. A maximum age is also marked. This means that, although pensioners are not rejected, those over this age do have the inability to obtain a loan with this company.
  • Permanent residence in Spain and having a Spanish account: this point is very important, since there are people who, although they have lived in Spain for a long time, do not have any current account where they can deposit the money. This would be the first step.
  • Valid for unemployed : being unemployed does not make it impossible to access this credit. Of course, you must be clear that you have to show a regular income, so everything will depend on whether you have them, either for an unemployment benefit or any other means that allows you to tell the entity that your income is regular in the time and enough to pay that mini-credit in the established time.
  • Valid for pensioners: another sector that can benefit from these mini-credits. Although it is true that the maximum age is 75 years, most pensioners are of a much younger age, so there are more pensioners who can request that mini-credit than those who can not.

Procedure to obtain your mini-credit

Procedure to obtain your mini-credit

Once seen what are the requirements to get the microcredit, let us look at the procedure by which you can get with it. As you can see, it is a process without any complications:

  1. You access your website and enter the amount and time in the simulator.
  2. Create a personal account from which to enter your data and verify them.
  3. In a few minutes the answer is received and, in a few minutes more, the money in the current account.

It is a very short and simple process in which everything is comfortable. The rapidity makes the time that passes since you have reached the web until you have the money in your account is very short, which is a great advantage.

Customer reviews of their microloans

Customer reviews of their microloans

Opinions on Gaplan Loan focus mainly on how easy it is to do everything with this entity. It adapts to the deadlines you need, allows extensions, early cancellations… that is, everything that can allow you to adapt to the eventualities that arise over time.

Other opinions that are very repeated are those related to the fact that they are one of the entities that offers the most money in these mini-credits (internal link to mini-credit landing). Getting € 1,000 allows you to do many things, and it’s a good way to not have to ask for patches here and there to get what you need.

The fact that they offer such a high amount is one of the main reasons why customers opt for this company. It is one of the few ways to have € 1,000 in a few minutes when you can not get any advance or anything like it.

Regarding criticism, the focus is also placed on the fact that such high amounts of money make it very difficult to return in 30 days. There is a lot of talk that this term is not adapted to the amount of money that is asked for, and that it would be better to return it in installments.

Lisa Beck