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.

How to Cancel The Shopping With Installments Made by Credit Card?


Banks use credit or debit card transactions on the same principle. In all your credit card transactions, you can apply to the product you bought in the store on the day of purchase, invoice of the product, slip (sales document) and credit card and you can have the officials withdraw the payment on the same day. for further explanation

This transaction is called a cancellation of a credit card. If you have not applied within the same day and the day has passed, the transaction is called a refund, not a cancellation. Credit card purchases can be refunded in two ways according to the agreement of the company.


You can request cancellation from the store

You can request cancellation from the store

For the transactions over the day, the authorized person of the store enters the system with your slip confirmation code and date using the cancellation – refund section for the cancellation of the installment shopping made by credit card. In this way, it provides a comparison between the amount written on the pos device and the amount written on the slip.

If there is no problem, it cancels the shopping. Then the first slip to the customer, the second slip to the workplace. If your credit card has been debited by that date, the corresponding payments will be on your statement minus and plus and take each other. For cancellations made on the same day, no payment will be charged to your card.

Small companies, on the other hand, request to be processed by petition for the cancellation of installments made by credit card. If you have made such a request from the shop and you want to cancel the shopping, you must apply to the store to write a petition.

In response to this request, the store will write a petition to the bank of the pos device using the card using an A4 paper. The date of the transaction, the name of the card holder, the total amount of the transaction, the copy of the slip, the name of the company official, the signature and the stamp of the company are attached to the petition and faxed to the bank’s directorate. It is usual for cancellations that take place a little longer.


If the account cut-off date has passed


If the credit card used by the customer during the purchase has expired, payment is made for that period. In the following months, the monthly installment amount appears to be the plus balance on the statement of the period. This amount is deducted from the total balance on the credit card transaction is made.

It can usually take up to 15 days to complete a cancellation of a credit card installment. For this reason, it is very important that you follow up your extras from your extras due to the cancellation.

If you have a problem with the authorization during the follow-up from the workplace or the bank of the pos device using the credit card, you must return to the store where you are shopping. Lastly, in order to claim your credit card installment cancellations, you must make a copy of the stamped and signed petition copy.

Personal Loans

Personal Loans are part of the category of non-finalized loans or without obligation of destination .

With personal loans does not need to specify the way in which the sum of money required will be used as, on the contrary, they provide for specific loans, linked to the purchase of a good or service.

An example could be useful to clarify the concept.

Assuming that you want to organize an event, you could go to a bank or finance company to request a personal loan, without specifying what you are actually going to pay once the required amount has been paid. You can use the personal loan to pay for the catering, the location, the music or none of this and pay the money to your current account, reimbursing the amount obtained divided into monthly installments.

Personal Loans can therefore vary their size according to the contractor’s request, which undertakes to settle the debt contracted with the bank or credit institution through monthly fixed-rate installments.

In general, access is not subject to the presentation of real guarantees (such as liens or mortgages) although it may happen that the credit institution requires the signing of a bill of exchange to limit the risk of insolvency; however the most common form of guarantee in the case of a personal loan is the signature of a guarantor.


Personal loans : how to choose the right one

personal loans

Individuals can request personal loans, excluding the possibility that the loan may concern the professional or business activity.

The offer for personal loans is varied, the solutions are many and varied, so if you are looking for a loan informed about DFG Bank to get all the information you need to make the best choice.


Sale of the fifth Personal Loan, the solid and affordable loan

Sale of the fifth Sondrio, the solid and affordable loan

The transfer of the fifth Personal Loan is a form of personal loan that provides for a maximum payment equal to 20% of the salary or pension.

With the transfer of the fifth Personal Loan the sum due is automatically withheld from the salary, thus guaranteeing a safer and more punctual payment for the credit institution and less liability for the borrower.

For this reason it can also be used by “bad payers” since it presents greater guarantees of solvency. Moreover, this type of “non-finalized” loan allows the contractor to access the loan without having to specify the reason for which he needs the money.

Since 2006 the legislation provides for the possibility of accessing this type of financing also to BC Pensioners. It is necessary to have a contributory or survivor pension. Invalidity pensions or minimum pensions are not eligible.


Loan Simulator: Online Installment Quote



Agos has always been a leading company in granting credit to families. Agos provides customers with a vast amount of loans that we can divide into two main types: personal ones and those that are finalized. Thanks to the convenient financing simulator made available by Agos, you can get a quote to calculate the installment directly online. One of the advantages most appreciated by those requesting an Agos loan is to be able to obtain the sum in just 48 hours from the approval of the practice.


As you know, personal loans, such as the famous Agos rataweb, are those that are granted without asking the reason for the request for money: in short, it is money that is paid without asking for the reason . Instead when we talk about targeted loans we refer to a sum of money that can be requested for a specific reason or purpose, such as the purchase of a car, the payment of studies, the renovation of the house, loans for the study after the university, for the holidays, for health and so on.

The Agos loans meet the needs of customers, and therefore are highly customizable and estimates can be requested directly online to find out which one best fits your needs and requirements. We try to find out more about this important financial and the financing that is provided.


The best personal loans Agos


The best personal loans Agos

Among the Agos online loans we can remember the main ones and the most used ones:

  • ContoPIM consists of a really fast and rapid financing line, preferred by all those who want to get a small amount of money, up to 3,100 euros, in very limited times.
  • Loan Agos Consolidation : consists of a product that allows the customer to combine, in a single installment, all the loans already in progress, and then to agree on the duration of the loan and the amount of the monthly installment.
  • Agos Duttilio is one of the most famous products that is offered by this credit company. This is an extremely flexible loan that is well suited to the various needs of the applicant: it can be used to request loans of between 2,000 and 30,000 euros, which can be repaid in monthly installments that can be modified according to the client’s needs. Not only that: Duttilio also allows you to skip a loan installment without any penalty being applied.
  • Small Loans for a loan request of a few thousand euros, with extremely affordable and interesting interest rates.


How the Agos loan simulator works


How the Agos loan simulator works


Online, thanks to the Agos loan simulator, you can find out which loan is best suited to your needs, to the repayment plan, to the fact that you need a loan finalized or not finalized. The estimates for the Agos credit are always fast, free, and allow you to know in advance what will be the repayment plan of the installments in order to better customize the characteristics of your loan, be it personal or finalized.

You can request a loan with Agos online to buy any consumer goods you need, be it a car (new or used), an appliance or anything else. At the same time, you can also apply for a loan to renovate your home or to have cash. You can request up to € 30,000 and get the money within 48 hours of the approval of the practice.


Loans for young couples


Agos proposes funds specifically designed for young couples who need access to credit for family projects. From the honeymoon to the wedding expenses, as well as the renovation of an apartment. In each of these cases, the financial companies propose solutions specifically designed to meet the needs of young couples. These are credit access products with extremely interesting conditions that can be requested both online and directly in Agos branches.

Agos loan of 5 thousand euros


Agos loan of 5 thousand euros


Here is a hypothesis of Agos financing of 5 thousand euros. Here below the repayment plan:

Repayment in 12 installments


from € 432.10 4.91% 8.56%

Repayment in 24 installments

from € 221.40 4.94% 7.39%

Repayment in 36 installments

from € 151.20 4.94% 6.96%

Repayment in 48 installments

from € 116.10 4.92% 6.71%

Repayment in 60 installments

from € 95.10 4.92% 6.57%

Repayment in 72 installments

from € 81.10 4.91% 6.46%

Repayment in 84 installments

from € 71.20 4.93% 6.41%

Repayment in 96 installments

from € 68.60 6.90% 8.42%

Repayment in 108 installments

from € 62.90 6.90% 8.37%

Repayment in 120 installments

from € 58.40 6.91% 8.33%

Obviously to get feedback and to have the interest rates updated it is necessary to go to the site and make a simulation. Only the simulator on the official website of the financial company can give an updated indication in real time on the interest rates actually applied on personal loans.

And have you ever tried the Agos simulator? Have you made a quote to calculate the online payment? Let us know in the space below dedicated to comments and opinions!