6 Keys to Get a Secure Online Loan
March 24, 2019
Online credit, emerged as a more favorable and agile option for those people who require immediate capital and thus be able to cope with certain unforeseen or needs. By just filling out a form from a mobile phone, tablet or computer that has internet access, you can discover the amount they would be willing to lend you at that time.
In Mexico, there are already different financial institutions that use and develop technological resources to offer this type of services. However, for most there is still some concern about the reliability of both receiving the money and providing their information to carry out the process. Next, we will give you the 6 keys so that you can find a totally safe online credit and that you can solve your financial needs.
Look for legal regulations
Every reliable financial institution operating in our country must be recognized by the (National Commission for the Defense of Users of Financial Services), and be subject to the inspection and surveillance of the National Banking and Securities Commission (CNBV). On the official website of the financiers that offer these loans online, you can find the legend that indicates this information. As well as, you should go to the official page of the financial entities bureau of the to find if it is within your list, otherwise you could begin to suspect its reliability.
In the bureau of financial entities, you must look for the institution under your name.
Review the terms and policies for the use of your data
Within the terms and policies of data use, you can find how, for what and in what way the institution will make use of all the personal information you provide. This will help you to clear some doubts that you have about what they are asking you within their forms. For example, in Konfío your SAT password is only used to check the level of billing that your business has and thus determine the amount that we can offer you.
Investigate the opinions they have made about it
Another way you can find out how good the services they offer is by researching the opinions that other users make about it. Within social networks or internet search engines, you can find the rating and comments that people who have requested the services give to the institution. You could even leave a comment asking any specific doubt you have and seek to start a conversation with a client who is willing to recommend such credit online or services they offer.
Browse on their website
Within the web pages of online finance companies, you can find detailed information on how to apply for the loan, the amounts they can offer, the CAT they establish or other tools that help you learn more about the services they offer. For example, some include a tool called a simulator, in which you can calculate or know how much you would have to pay for the amount you intend to request.
Rectify that they do not request an advance or deposit in advance
An important signal to identify that a financial institution is NOT reliable, is to know if they request some type of deposit in advance or advance before they approve your credit and it is granted. The most common is that there are opening fees to cover administrative expenses, such as when you apply for a loan at the bank or a credit card, but they must be charged once you have formalized your credit and know that you will receive it.
Use the different means of contact they offer
Although the process to request your credit is online, they must include some means of contact so that you can clarify your doubts or even report an unusual situation. Look for the address of your head office, a customer service number or an email to find them. If so, feel free to use them so that a consultant can explain or solve the questions you have and you feel confident to continue with the process.
As you can tell, these 6 keys can help you investigate in a very easy way if an online credit is safe. Be alert to any signal so you do not fall into a possible fraud or identity theft.