When we urgently need an amount of money, most of us focus on the quick and convenient factor, but ignore the credibility and transparency of the loan source, easily encountering the situation of "lost money, handicapped". Borrowing money online is not difficult, but if you want to be safe and fast, you must immediately pin a few notes below.
Borrowing online - Solution to cover the cost of the epidemic season
In the days of living during the pandemic, each person has their own worries, the biggest concern at this time is the continuous prolonged separation season, the income is not stable, but the cost of living and living expenses is still low. must pay.
Besides, the back-to-school season has returned, and the problem of expenses for such things as accommodation, books, tuition fees, etc., once again makes many parents, regardless of their income, Good or average - low entry all add to the dilemma.
Financial shortage is a problem that many people face during the epidemic period.
In addition, in the time of social distancing, it is not easy to go to the bank or borrow from relatives, leading to the increasing demand for quick loans online to cover the cost of the epidemic season.
Things to keep in mind when borrowing online:
Learn more about the lender's information
Be careful at first, you won't regret it later. Among countless online lenders, you should choose carefully where you will apply to limit the difficulties and risks encountered. Some criteria when choosing a reputable lender can be mentioned as follows:
Guaranteed by big, well-known companies in the market.
Traffic to official information channels (website, social networks,...).
Number of people using the service.
Reviews of customers who have used the service.
Professional level of lending platform (website, application).
Service attitude of customer care staff.
Interest rates and service fees
Do not rush to trust the interest rate listed on loan websites or applications, but look at the real interest rate in the loan contract. For example, the interest rate listed on the website is 14%/year, but in a credit contract up to more than 20%/year, you must definitely consider the reliability of this company.
Customers need to carefully study the fees and interest rates to consider the repayment ability when borrowing online.
The procedure is quick, the disbursement is surprisingly fast, often with the price to pay, which are unexpected fees often called "hidden fees". Therefore, you should learn all kinds of hidden fees before confidently signing a contract: application appraisal fee, first loan fee, late payment fee,... Especially the late payment penalty fee is often high. ecstatic, in some cases 3 times higher than the loan. These fees, after adding the listed interest rate, will greatly increase the cost.
Prepaid - Postpaid Trends and “4 Nos” Finance
Modernizing all financial transactions has become an inevitable trend of modern life. Among them, the strong development of MoMo e-wallet is a special milestone for users to easily access all financial services quickly, safely and reliably.
MoMo's journey to conquer tens of millions of users is strongly marked by the payment ecosystem serving the essential needs of customers 24/7. For example, the service of Use Before - Pay Later via Postpaid Wallet and Quick Loan - FastMoney.
Postpaid Wallet - Use first and pay later with the advantage of “4 No”:
Use first - Pay later is not a new trend. For a long time, we have been accustomed to payment methods after buying at familiar stores, being "debited" and paid at the end of the month, or any time there is money. Today, we can use this form more easily with a modern financial product called Postpaid Wallet, which stands out for its 4-No advantage:
No interest
No activation fee
No service fee (during the promotion period)
No proof of income
In just one minute, MoMo Wallet users can register for Postpaid Wallet and be granted a limit of 1 to 5 million VND, to pay electricity and water bills, apartment fees, recharge phones, buy data and goods. hundreds of products and services on the application. Above all, users can easily pay by next month or installment payment, without worrying about losing interest if they pay on time.
Fast, safe loans with FastMoney:
To avoid encountering funny situations when borrowing money online, you can apply for a loan at FastMoney. This is a quick loan service belonging to Electricity Joint Stock Finance Company (known for its consumer loan brand Easy Credit), in association with service provider Amber Fintech on the MoMo Wallet application platform.
FastMoney helps you feel secure to borrow money quickly online with the following outstanding advantages:
Diverse loan packages: Provide loan packages from 2 million to 10 million with payment terms up to 7 months and competitive interest rates.
Installment installments: Allows customers to pay loans in installments.
Simple profile: No need for complicated paperwork, no need to prove income.
Quick approval and disbursement: Browse in 2 minutes, receive disbursement to MoMo Wallet immediately after loan approval.
Safety and transparency: The MoMo e-wallet itself is guaranteed by the bank, meeting many strict security standards such as PCI DSS. Moreover, FastMoney loan product is a cooperation between reputable units to help customers feel secure about information security with clear and transparent costs when applying for a loan.
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