Loans changed

Are you looking for information on loan changes and do you want to know where you can apply for them in 2019?

Read our in-depth article on loans with bills of exchange.

Loans changed. What are they?


Loans are repayable by means of bills of exchange to be paid monthly on expiry of the security .

The amount of the installment and the number of bills is established contractually between the parties. It falls into the categories of unfinished personal loans and therefore it is not necessary to specify the reason for the request.

The rate applied in the loan agreement is fixed and the installments are constant. Access is in theory more flexible than a traditional personal loan.

In fact the bill signed by the debtor represents a strong guarantee being a title of credit that allows to return more easily and more quickly in possession of the sums lent in case of insolvency.

This means that even a customer who has had some problems with loan payments or mortgages could still access this type of loan.

The amounts disbursed usually range between 2,500 and 50,000 euros, while the repayment period ranges from one to 10 years.

The repayment installment may not exceed 30% of the applicant’s net income.

What is a bill of exchange?


The bill of exchange is a credit to the order, which contains an unconditional payment promise in favor of a beneficiary.

Who issues it is called a tracing subject, while the one who is obliged to pay the sum indicated on the bill at the expiry date is called a drawee. It is also often said that this is an abstract title, in the sense that the reason for payment is not indicated.

Indeed, even if the underlying credit relationship ceases, the bill of exchange must be equally honored.


Who can apply for a loan with bills?

Who can apply for a loan with bills?

To obtain a loan with bills of exchange, you must clearly have a demonstrable income.

The categories that can more easily request the loan changes are the following:

  • Retirees
  • Self-employed
  • Permanent employees

However, each company has its own access criteria. Some, for example, do not provide to self-employed workers. Others, on the other hand, also require a guarantee of severance pay for employees.

In addition, the presence of a guarantor who will be responsible for paying the installments in the event of insolvency or additional additional guarantees may also be required.

In this case, it is possible to obtain a loan repurchased even without a pay slip or with an atypical work contract.

In this case, a guarantee from another person may be required.

Loans are therefore mainly aimed at bad payers and those who cannot get a loan because they do not meet the criteria of creditworthiness.

We see all types of loans issued and which documents are required for the request.

Loan changed for employees


This type of loan is certainly easier to provide for permanent employees as they are the ones offering the greatest guarantees.

Usually the documents required for the request are the following:

  • identity card
  • sanctuary card
  • cud
  • Declaration of the provisioned severance pay that will serve as a further guarantee for the loan

Loans for employees are certainly not the first choice having more convenient loans available given the guarantee of the paycheck. But in the event of a loan rejection they can be a viable alternative.

Loans changed for pensioners

If you are retired and you have been reported in CRF or other databases for late payments.

You could request the transfer of the fifth of the pension. But in the case of impossibility even for this loan the only solution could be to request a loan with bills of exchange.

The documentation required is as follows:

  • personal documents
  • cud
  • pension slip

Loans changed for self-employed workers

In this case it will not be easy to find someone who can provide a loan with a loan because an independent worker has less guarantees than an employee or a pensioner.

In fact, the presence of a guarantor of trust or other forms of guarantee may be required.

The documentation to be presented is the following:

  • tax declaration
  • personal documents
  • user registered to the applicant (gas, electricity etc).

Loans remitted without payroll

In the case of people who need money but without a demonstrable income, things become much more complicated but it is not impossible to obtain a loan with bills of exchange.

In this case, in addition to the bill of exchange guarantee, a guarantee will also be requested from a guarantor who will answer for the applicant in the event of insolvency.

In the case of a loan application without a pay slip, a further guarantee such as that of a real estate asset may also be required.

We reiterate, however, that the fundamental prerogative of this type of loan is the fact that it can also be requested by bad payers or protesters.



Where can I apply for a loan?

Where can I apply for a loan?


Now let’s see what companies provide this type of financing in 2019.

If you are asking the classic question: “Where can I request a cambializzato loan? “You are in the right place to find out to ask for financing with bills.

Browsing online we found these companies that provide these types of loans:

  • 4 credit
  • Sefafinanziamenti
  • Credipass
  • Theorem fin.

With regards to the requirements and the timing, it is a good idea to investigate directly with the companies in question.

If you have found other valid financial institutions that provide loans that have been loaned, please let us know if you want to in the comments so that it can also be useful for other people looking for a loan.

Loans debited at home

Loans debited at home

The loan request can be made online also in many cases.

Once the application and the accompanying documentation have been presented, we can receive a person in charge at home to sign the loan agreement and to finalize the preliminary investigation procedure as quickly as possible.

Subsequently, in the event of a successful outcome, we will receive the cashier’s check as a liquidation of the loan .

Benefits of changing loans

Benefits of changing loans

The hanrew loans also allow bad payers access to credit and in addition there is also greater flexibility in making payments. For those who have suffered a protest, there may be greater difficulties. Please note that bills of exchange can be renewed.

That is, before the expiry of the effect it is possible to postpone the payment date by agreement between the parties. But we must also take into account that the longer the payment is postponed, the greater the interest.

It is very unlikely that the loan with promissory notes will be granted to those registered in the protest register.

And the disadvantages. In general, the loans issued have higher costs if compared to classic personal loans and if you are not sure of repaying the installment it is better to avoid signing bills because you run the risk of being protested with all the consequences of the case.

The higher costs are clearly due to the greater interest given the higher risk assumed by the credit institution and the revenue stamps to be applied to bills of exchange.

Furthermore, the creditor can refer more quickly and effectively to the debtor in the event of insolvency.

Attention then! Before approaching this type of loan, carefully consider what the conditions and possible consequences are in case you fail to pay an installment on time.

Loan Advice – Return to Credit

Our professional studio, made up of expert consultants, can rehabilitate your position and cancel your reports. Such as?

Do you have too many loans going on?

Do you have too many loans going on?

We will do the best for you if you think you have too many loans and want to get an additional loan. If you have been refused a loan or want to try to make a request, we can have the solution for you.

Do you want to know the reason for a refusal?

refusal loans

If you have been refused a funding request we can help you understand the reason and analyze the cause. Next we will show you the best way to start getting credit again

Do you want to know how to cancel a report?

Do you want to know how to cancel a report?

In this case we will analyze the data of the report to evaluate a cancellation request even in the event of an incorrect report.

Have you been protested?

tested loan

If you have been protested by a check or bill we can assist you with the cancellation. Following an in-depth analysis we can help you take the path that will lead you to cancellation.

You will NOT receive promises that we cannot keep.

When you try to get a loan and you have had problems in the past it can happen that you have to untangle yourself between databases, unknown reports and other problems.

You can deal with the problem in an economical and transparent way with our loan advisory service.

Surely you will have met or will meet consultants or companies that will ask you a lot of money for this type of advice.

We offer you the opportunity to know the causes of your problems and how to solve them.

We will not offer you miraculous solutions or easy cancellations because it would be poorly corrected. What we want is to explain to you what your credit situation is and what the possibilities are that you are facing.

We will try to find a suitable solution all with the utmost transparency and professionalism.

Damian can help you along this path and guarantee a complete service, on everything you need to make you still be a reliable person for banks and credit institutions. Ask us for advice to get back to applying for loans

Credit System Personal Loan



Have you ever heard of Younited Credit? This is a completely different credit service than the classic channels through which a loan can be requested or obtained.


Have you ever asked for a loan in the past? So you probably already know that in most cases you have to go to a bank or a credit institution, but this is the past if you plan to rely on Younited Credit.

This platform has been able to change the paradigms of credit and in this article you will find out why. We give you all the details and here you can understand how Younited Credit works and how to apply for a personal loan.


Credit: what is it?


With Younited Credit you can discover new credit access solutions and take advantage of new advantages.

The first difference with traditional systems lies in the fact that Younited is completely online and therefore does not require the intermediation of traditional credit institutions, with all the advantages and savings that this entails.

As you understand, this is an innovative solution. So is it reliable? Can you trust a credit system that has nothing to do with a bank? That’s what we want to explain below.

To tell the truth it seems to be a rather advantageous solution , even according to the testimonies of those who have already taken advantage of this type of personal loan.

Younited Credit offers formulas that allow you to receive money on loan, but also to make it available to others and receive compensation through the interests that apply to the amounts requested.

If you want to break away from traditional Younited Credit platforms then this is the one for you, the new way of making and receiving credit.


How does the Credit loan work?


How does the Younited Credit loan work?


When you are on the Younited Credit web platform you can have access to a space where professional investors offer sums of money that are available to customers just like a personal loan.

Obviously this is not a system for which the first one to happen can enter the site and take the money. On the contrary, it is a very serious system that allows you to receive funding only after clarification of the guarantees and requirements necessary for the loan application.

What does Younited Credit earn? The platform performs practically only a role of intermediary, but to put in contact those who offer and those who receive keeps for itself a small percentage requested from users.


Thanks to this commission Younited Credit is able to survive and meet the costs and administration costs of the service and thus also obtains its own gain.

However, the platform does not get any percentage on the amount of the installments that the borrower has to pay to the bidder (just as if it were a personal loan).

If you intend to participate in the initiative as an investor or to receive the loan, you should know that there are no branches and that the site operates entirely online. This means that whatever you need and also for assistance you have to contact the platform directly by phone or email.


What are the advantages of this type of loan?


What are the advantages of this type of loan?


  1. The costs are really very low
  2. Interest rates are very affordable
  3. The payment of money is very fast
  4. The customer can receive immediate answers

In short, compared to traditional loans, there are many advantages, and the guarantees required for repaying the loan may not be prohibitive, as often happens with classic loans.

What are the prerequisites?

The minimum and general prerequisites for applying for this type of loan are the following:

  • Having turned 18 and not over 75
  • Have a stable job and regular pay
  • Never entered into bad payer records or the like

Other advantages in requesting this type of loan are the simplicity and speed of delivery. It takes less than 48 hours to receive the money. The service also guarantees maximum transparency and therefore there is the application of a constant interest rate and the payment of a fixed rate.

There are no hidden costs and there will be no change in the installment during the loan.

Loan payment delays: what are the consequences

Loan payment delays can be caused by various reasons and with Wolfdietrich it is possible to receive assistance to analyze and solve the problem as quickly and efficiently as possible.

In the event of late payment, the financial institution does not usually take into consideration the reasons for non-payment. The latter may be excluded from the debtor’s will as in the case of a delay in receiving the salary; in the event of late payment, the bank or credit institution is required to report the situation to the CRIF (Financial Intermediation Risk Center). Which is the company that manages the Credit Information System (SIC). In cases of late payment of loan installments, before reporting the debtor as a “bad payer”, the financial company is obliged to warn the client beforehand. Usually it occurs through a registered letter with return receipt that urges you to pay the installment, under penalty of writing in the list of bad debtors. This provision has recently been made mandatory precisely to inform the debtor of the negative consequences in the event of prolonged late payment of loans .

Loans with late payment ? What can be done?

Loans with late payment ? What can be done?

You get a loan with prolonged and frequent payment delays is absolutely not a simple thing as it will be reported to the CRIF, which does not happen instead if the default situation is due to a momentary lack of liquids, demonstrated by the debtor. Not only will the loan payment delays be sufficient to proceed with the report, but it will therefore be necessary to establish a deficit balance sheet. Which would later cause the debtor’s total insolvency.

When, on the other hand, due to persistent loan payment delays, it is reported, the denied data remains in the database for a period that can vary from a minimum of 6 months to a maximum of 36, based on the reason for the entry in the list bad payers.


Payment delays loans and possible solutions

Payment delays loans and possible solutions

If you are struggling with late payment of loans and do not know if you have been reported to CRIF or are looking for a solution to your situation, ask Wolfdietrich for advice. The financial assistant that will help you solve your problems.