Request Bankinter pre-authorized loan – Credit without guarantees

If you need to request financing for any type of unforeseen event or to set up even your own business, with the pre-authorized bankate Loan you can request up to 48,000 euros, as long as you are a client of the entity.

And is that almost immediately you can get from 3,000 and up to 48,000 euros through an online application, in any office or with a simple phone call. The repayment term of this loan is between 6 months as a minimum term and 8 years as the maximum term.

Apply for the loan

Apply for the loan

Keep in mind that you need to be a bankate customer to apply for this loan, and if possible, have your payroll registered with the bankate Payroll Account. If you meet this condition you will have greater possibilities of requesting a higher amount.

Regarding the interest rate , keep in mind that being a type of quick credit, it will be higher than the interest of other personal loans in the market. However, if you are without money it is the best option, since you can have what you need almost immediately.

Depending on the amount requested and your financial conditions, the interest rate applied will vary. The nominal interest rate or TIN will be between 6 and 20%, while the Annual Equivalent Rate or APR will be between 6.17% and 23.70%.

In addition, this pre-authorized loan has an opening commission of a maximum of 3%, and a depreciation commission that ranges from 0.5% to 1%. The commission for the return of the loan is 0.5% in the case that the remaining period until the expiration thereof is less than one year, and 1% when the term is greater than 12 months.

  More information on financing
  Pre-authorized loan for any purpose of bankate.
  The Pre-Authorized bankate Loan is a type of loan aimed at clients of the entity.
  It has an Interest Rate that depends on the applicant. TIN is between 6 and 20%, while the APR is between 6.17% and 23.70%.

The repayment term is between 6 months and 8 years, and the amount to apply ranges from 3,000 to 48,000 euros.

  Or online, by phone or in branches.
  1. Pre-authorized bankate loan for clients of the entity .
  2. Amount between 3,000 and 48,000 euros.
  3. A repayment period or repayment of the loan between 6 months and 8 years.
  4. It has an interest rate between 6 and 20% depending on the applicant.
  5. Without guarantees although with notarial participation if the amount exceeds 30,000 euros.

Conditions and how the bankate pre-authorized loan works

Conditions and how the bankate pre-authorized loan works

Being a pre-authorized loan for clients has the advantage that it does not require any type of prior study or processing by the entity or the applicant. Therefore, if you are with Asnef or in some other delinquency list due to having an unpaid debt, the bank will know in advance your economic condition.

Another advantage of this credit for bankate customers is that it is a loan without guarantees , so even without a guarantee you can request it. In addition, you yourself can choose the term of payment of the fee between monthly, bimonthly, quarterly or every 6 months.

The great inconvenience of the operation of the Pre-Authorized bankate Loan is that if it is an amount greater than 30,000 euros, it will require notarial intervention, an expense that is of course added to the commissions.