Even mothers on maternity leave can borrow


Anyone can borrow money today, officially and with unexpectedly low interest rates. Really, this is possible in a few minutes. Across the social and age spectrum, one of the offers on the market is a maternity leave loan. No risk, no advance fees, no pledge. A few thousand to pay or to pay the necessary bills.


You don’t have to go anywhere, all from the comfort of home

You don

It has other advantages, let’s take a closer look…

  • Everything is done over the Internet, it’s so easy. Contract only on a single sheet of paper.
  • Simple terms – single installment. Possibility of the first free loan, ie without interest.
  • The processing will be lightning-fast. Within a few tens of minutes you can have your money ready in your account.
  • No screening of debtors’ registers, overall the administration around the loan is easy.

Absolutely everyone can borrow. From mothers on maternity leave to underage students. Pensioners, employees, self-employed people, and simply all who ask for it, will also see. Smaller loans are not a problem at any time – ask for a weekend morning or Thursday evening, you will be instantly informed of how the application turned out. A small loan is never a problem, try it too!

Need a few hundred to pay?

Need a few hundred to pay?

A few hundred dollars come in handy when the employer has delayed the paycheck. But it is also suitable for young mothers who have a deeper pocket and their situation cannot always be described as pink . The possibility of the first free loan is also very tempting. What does that actually mean? Simply put, as a new client, if you meet the due date at a certain time, you can come on a loan that will be completely free of interest. And that’s good, isn’t it? What else want more?

No far-reaching examination of the applicant’s creditworthiness; a loan of several thousand dollars is not something like that at all. Maturity in this case is a matter of course, it is not a large sum, which would have to be secured, for example, real estate collateral. You can borrow from five hundred and up, it sometimes comes in handy. Non-bank loans have a really big plus in many ways, you won’t wait for anything to drink your coffee, you can have money in the bank. Then just head to the nearest ATM and withdraw the desired amount – or make a transaction in your internet banking.

The best credit for retirees and pensioners

Many financiers offer credits, of which few offer credits for retirees and pensioners. Among them, how to choose the best option, according to your needs? Here are some reasons to make a good decision about your next credit.

Some financiers have an agreement with only one or two institutions.
Good Credit has alliances and agreements that offer its credits to retirees and pensioners of the IMSS, ISSSTE, Pemex, CFE, and even to IMSS and SCT workers.

Small or large credit


Because they are retirees or pensioners, many financiers do not grant them large credits, but rather small ones.
Good Credit offers credits from $ 3,000 to $ 150,000, to be used for whatever you want.

Financial companies do not always have comfortable payment plans for their clients.
Good Credit offers the possibility of paying credit for 12, 18 or 24 months, depending on the amount thereof. Thus, you can pay your credit without compromising your personal finances.

Quick and easy procedure

Usually making your credit application is a tedious process that can take a long time.
With Good Credit, you just have to call 01800 022 0884 or write a whats at 55 3923 8866 so that one of the executives will make the request with you.

Response and same day deposit

Many times it is necessary to wait several days to have an answer or for the financial one to deposit the credit money in your account.
If you request your credit by phone or by Whats, Good Credit responds to your request in a maximum of 2 hours and deposits you in about six.

Fixed and direct payments


With some financiers, you may have to make your credit payments at a branch. This implies moving and investing time in it.
Good Credit has the direct debit modality so that payments are made automatically from your account and on time. Thus, in addition to saving time and effort, you will avoid late payment fees.

Additional benefits

Generally, no additional benefits are offered to customers along with their credit.
But Good Credit provides life insurance along with all its credits and the possibility of lending its customers more money again in the third month if they need it.

What is the best form of loan: peer-to-peer or bank?


Loans have always been a way of boosting business in the country. Entrepreneurs with few resources to invest need to resort to external aid to grow. But what would be the best form of loan? Bank credits are the most well-known and traditional in the market.

The operation is very familiar: needing resources, the entrepreneur goes to a financial institution. Then, it requests an amount, defines how many installments will be paid and awaits the approval of the bank’s risk sectors.

Although it works well in some situations, bank lending also involves very high fees and a huge amount of red tape to get the money. In a dynamic market like the current one, a little more efficiency is needed.

This gap has been filled by Peer to Peer (P2P) loans. Shall we learn a little more about them?

Peer to Peer: Person-to-Person Loan

Peer to Peer: Person-to-Person Loan

The literal translation of Peer to Peer is the one above: it is a financial loan made from one person to another. Thus, this type of promotion already exists in some countries in Europe and is beginning to arrive in the country as a solution for many entrepreneurs who are looking for resources.

P2P is carried out through a digital platform that links investors to applicants. To get the loan, you register in the system and describe what your business needs – this is a very important negotiation moment, because it is with this description that you will be able to arouse the interest of those looking to invest.

On the other side of the platform are investors. They are looking for fast and attractive ways to monetize their resources. In this way, they choose the business they want to promote, based on the description made by the borrowers who need the loan.

When choosing an option, they lend the money to the entrepreneur in need, according to a rate pre-defined by the platform and agreed by both sides.

After the term of the loan, investors receive their money back, plus the profitability obtained.

Peer to Peer x Bank Loan

Peer to Peer x Bank Loan

The two biggest advantages of P2P over bank loans are the lowest rates and the easiest way to obtain the resource, with less bureaucracy.

Banks charge, for a corporate loan, fees ranging from 5 to 10%. In addition, to obtain the money, it is necessary to present a multitude of documents, sign various forms and wait for the institution’s internal procedures to obtain the appeal.

P2P platforms have been practicing rates that are around 2% and the risk analysis of the client is done instantly, through online consultations with the consumer protection agencies. In addition, while the borrower gets attractive rates and little bureaucracy, the investor also obtains better returns than the conventional financial market offers.

Now that you know P2P, it’s time to look for the best loan for your business! If you want to have access to more posts like this, subscribe to our newsletter and receive our content right in your inbox!

Reunify my debts – Discover your advantages with Credits


If you have several open loans and want to pay off all debts in order to keep a single open loan, the best thing you can do is bet on reunifying debts. Thanks to this system, you will not only be able to unify all debts in a single line of credit, but you will also be able to enjoy many other benefits.

Steps to request a loan to pay debts

Steps to request a loan to pay debts

To start, you have to make numbers and be clear how much money we will need to pay all our debts and be able to close open loans. Keep in mind that not only will you have to pay the outstanding amount, but you will have to pay possible fees and interest for open loan cancellation.

When we are clear about the amount we need to reunify debts, it will be time to compare between different lines of credit to pay debts. There are many options to choose from, so we can surely find the alternative we are looking for for our interests.

After the comparison, it will be time to read the conditions well to be sure that it is really what we need. It is important to read the credit conditions well to reunify my debts. Thus we avoid possible scares in the future.

Now is the time to request financing at the bank or company that interests us. We must bear in mind that the loan will have to be studied and after a reasonable time they will indicate if it has been granted or not.

If everything is on track, the money will be granted. Now you just have to use that money to cancel the loans you have open and thus get all the debts in a single loan, what we commonly call, reunify my debts.

What are the advantages of reunifying my debts?

What are the advantages of reunifying my debts?

The main advantage is that you will have all your debts in a credit to pay debts, that is, you will no longer have to worry about whether X credit has been paid this month or not. You will already have everything in one place, so you will take away many headaches.

Another benefit you will get is that if you get good credit, the interest to be paid will be cheaper.

In turn, as you have reunited the debts you will get the monthly installment to be paid cheaper than the set of loans. The advantage of this type of loans is that you can get the monthly installment that best suits your economic situation. Of course, you have to be clear that if you extend the life of the loan to get to pay a lower monthly fee, what you will do is extend the life of the loan. That is, in the medium and long you will pay more interest, but the family economy will thank you.

Do you know what the difference is between a credit and a loan?

Almost all people think that there are no differences between a loan and a loan and in reality they are very different products. Do you want to know what they are? here we go:

The loan

The loan

The loan is a financial operation in which a lender, which can be an entity or a person, gives a borrower a fixed amount of money at the beginning of the operation. The main condition is that the borrower returns that borrowed amount plus the sum of interest. Interest is agreed between the parties based on a specific term.

The repayment of the loan (repayment) is based on more or less regular amounts or fees during that period. The loan therefore has a previously specified life and interest is charged on the total amount borrowed.

The credit

The credit

A credit is an amount of money, with a maximum limit set, that an entity makes available to a customer. This amount is not delivered suddenly at the beginning but can be used according to needs through the use of an account or card.

The client may or may not have all the money, a part or nothing. As the client returns the money, more may continue to be available, without exceeding the limit. The credit does not have a previously specified life and interest is paid for the money provided. Although a minimum can be charged on what is not provided.

Credits can also be granted for a term, but unlike loans, when it is terminated it can be renewed or extended.

The interest on loans is usually higher than on a loan, but, as we have already said, it is only paid for the amount used.

What suits me best?

  • The credits are more suitable to cover the mismatches between collections and payments of the companies.
  • Loans are usually granted to finance the acquisition of a particular good or service: a car, some studies, a home renovation, etc. Loans are more useful to cover mismatches between collections and payments and to face temporary periods of lack of liquidity. Loans are usually more suitable for companies than for individuals.

I need a credit – What should I do?

A credit can be a tool to help you achieve a goal, whatever it may be. From starting or improving your business, buying a car, paying for the studies of children / grandchildren, taking a trip or having a dream vacation.

Once you have reflected and decided that you need a loan, analyze your borrowing capacity. This cannot be more than 20% of your total income.

The easiest way to calculate it is to make the sum of the monthly income you receive and multiply it by 0.20. The result will be the amount you can pay for one credit per month, without compromising your economy.

Now, to get a credit you must have a good credit history.

What does this mean?

There is an external entity known as the Credit Bureau that issues a report on your credit behavior, that is, it notifies you if you have paid in time and form the credits that you have previously obtained.

Making the credit application

Making the credit application

Ask for all the information related to the credit: maximum and minimum amounts, rate, terms and additional benefits. For example, a financial company that provides loans from $ 3,000 to $ 150,000 to retirees and pensioners, with terms of up to 24 months and free life insurance.

To apply, you must submit basic documentation. Take care that there is no missing document to avoid delays in the evaluation process. The financial institution will also ask for personal information. It is important that all the data you provide be true; Due to an incongruity, your application will automatically be rejected.

Once your credit is pre-approved, make sure that the credit conditions are the best, according to your needs.

Once your credit is pre-approved, make sure that the credit conditions are the best, according to your needs.

And when signing the contract, take the time you need to read the formats you are going to sign. Remember to ask for a copy of each one to have it as a backup and means of consultation.

Once you have deposited the money in your account, be sure to use it for what you initially considered. It is common that we begin to have money for other situations until we spend everything.

Remember, requesting a loan and paying it in time and form opens the door to future loans and larger financing to meet other types of goals, such as buying a property.

Small Loan Requirements | Microcredit requirements

Even if the amount of a small loan is relatively small, the bank wants to protect itself. In order to successfully apply for such a loan, a number of conditions must be met. Different conditions apply to take out a small loan.

The applicant must meet certain requirements to receive an installment loan. An important prerequisite for the granting of small loans is that the applicant has a permanent position (not during the probationary period) and a regular and steady income.

Small loans in no time – ideal for small purchases

Small loans in no time - ideal for small purchases

To bridge a financing bottleneck or to buy, it is advisable to take out a small credit instead of the current account Good Credit. Small Loan Requirements? A small loan is a loan up to an amount of USD 500 to 5,000. In most cases, small loans are easily issued by financial institutions.

Security is usually sufficient if the applicant can prove a regular salary. Credit institutions and savings banks grant loans from a minimum amount of USD 500 without earmarked use. Consumers who take advantage of their current account credit will be made a wise choice if they quickly repay this expensive loan with a small loan on the Internet.

Small loans, like installment loans, must be repaid to the lender in constant monthly installments. Depending on the provider, the interest rates for the providers of microcredit are very different. When comparing the offers of different financial institutions, the effective interest rate, including the effective annual interest rate, must always be taken into account. It depends on the bank, which documents are required in detail.

If the small loan has been claimed online at a house bank, the identity check is carried out at the bank counter of a post office.

Before you apply for a small loan

Before you apply for a small loan

You should ask yourself a few basic questions: Is there a basic requirement for a small loan? Which provider is the right one for me? Which micro credits are suitable for me? Are you prepared for the interview with the bank clerk for the small loan business? Have I prepared myself for it or am I familiar with the formalities of the banks?

If possible, you should check this question before consulting with your bank so that you are prepared for it and do not accept the first takeover offer made to you. Even if you need money, you should still inquire as there are big differences in small loans. Do not consider yourself a begging debtor, but a customer who wants to pay properly for the “credit” service.

So if you have a lot of confidence

So if you have a lot of confidence

When you go to the house bank, you can negotiate a cheaper price offer. Apart from the legal minimum age, there are no further requirements. In most cases, a look and a reduction in your own expenses make a small loan unnecessary. If you are still inclined to take out a small loan, your first consideration should be how to repay it.

This is where the debt trap usually arises since the debtors do not get their small loans back. In the case of permanent employment, the granting of a small loan should not be an obstacle. In the event of unemployment or unsuccessful independence, the house bank will ask for securities or a guarantor.

Credit card or mini credit? Choose the best financing option

The market is full of financing options for our debts or expenses. Among the many options available, there are two that can be used interchangeably, credit card or mini-credit.

Both products were conceived for a similar function, however, there are more differences than similarities, we will see if we are able to explain when one or the other is best for us:

The credit card

The credit card

The credit card is a numbered plastic rectangle. They are cards that present a magnetic stripe or a microchip, and that allows you to make purchases on credit. To request a card of this type, it is necessary to go to a financial institution or banking entity. The entity will request the interested party a series of documents or guarantees. These guarantees are to ensure that you are a solvent person and able to meet your payment obligations.

The credit card, also known as plastic money, receives its name for giving a person the possibility to make purchases without having cash. By using the card the user is automatically contracting a debt with the issuer of the card.

A summary of all transactions made during the previous thirty days is sent monthly to users. There is the possibility of paying off all debt or making full or partial payments; In this case, the outstanding debt accumulates new interest, in accordance with the provisions of the contract.

The microcredit

The microcredit

It is a type of loan that is generally characterized by being of reduced amounts and that has special conditions regarding its interest rates and repayment terms. This type of loan has taken special relevance since it represents an important mechanism of business leverage.

Credit or mini-credit card to request financing

We will see what particular characteristics both products have in order to choose between the credit card or the mini-credit:

Characteristics of mini-credits

  • The amount does not usually exceed 1000 dollars.
  • The maximum expiration date of 30 to 40 days for its return, from the day you receive the amount in your account.
  • The hiring procedure is usually done completely online and does not require paperwork.
  • The time that elapses between the analysis of the solvency of the client and the approval of the operation is only a few minutes.
  • A payroll or guarantee is not usually requested.
  • They can be hired even appearing in files such as Asnef or Rai.
  • They are intended to solve small contingencies.

Characteristics of credit cards

  • Credit cards have a monthly credit limit, which can vary between $ 2,000 and $ 5,000.
  • The debt repayment date can be extended for several months.
  • You can contact online or in the physical offices of banking entities.
  • The granting of the credit card can depend on many factors, such as the solvency of the client, his profile as a client or you must meet some requirements.
  • Generally, you will need to contract an associated account or domicile receipts or payroll.
  • They include discounts at affiliated merchants as well as various insurance on your card.
  • You can get money from ATMs.
  • They are intended both for your usual purchases and to finance large operations.

Choose a credit card or a mini-credit?

Choose a credit card or a mini-credit?

Credit cards are subject to much more demanding requirements than microcredits. They are usually associated with a bank. In addition, the application for a credit card may include the hiring of a checking or savings account. This associated account obligation may involve an additional hidden cost.

The mini-credits have less demanding requirements and can be requested online.

There are personalized mini-credits that adapt in amount, term and interest rate to the needs of the person requesting it. This is the case of the mini-credits of Good Credit, an online company that, after your request, makes you an offer tailored to your needs. If the applicant wants the mini-loan under other conditions, he will simply have to choose the term and amount he needs and the interest rate will adapt accordingly. Credit cards are much more rigid in this regard, with predetermined interest rates and fixed terms for all customers.

Private loan companies are much more flexible than a bank.

That is why the mini-loans have a much higher approval ratio, without the need to provide as many links as credit cards, you will simply have to provide your personal data and be a bank account holder where they will deposit the loan amount.

Mini credit or credit card?


It depends on your needs and your demonstrable solvency

  • The mini-credits have a maximum amount limit to request, which is usually less than 1,000 dollars. This limitation, together with the repayment of the credit in a period of approximately 1 month or 1 month and a half, is a double-edged sword.
  • Applying for a mini-credit rarely has associated fees.
  • Credit cards have associated fees.
  • Credit cards may have a higher limit but may also have a higher cost, although they are more flexible in the return terms by a fee.

A mini-loan is the most useful product to solve unforeseen circumstances in the family economy: a breakdown in the car or pay a bill urgently. Applying for a mini-loan is 95% faster than managing through the bank.