“Mini Loan BancoPosta” is the easy and immediate loan that solves the need to have at your disposal small amounts. Thus, by streamlining the traditional process of loan application. It is a loan dedicated to those who hold a “PostaPay Evolution” card.
P The loan was designed following this idea. Needs daily but not burdensome to have to turn to standard solutions. In fact, after the successful application of the loan application, the sum indicated is made directly on the PostePay Evolution card. To apply, simply go to your usual mail office. Or any other. Is indifferent.
How is the procedure?
You have two options available to you. As said, just go to the usual post office. Here, employees will be available for each application and, if you decide for the Yes, sign the loan. Or, if you do not want to wait in the mail you can make an appointment by calling. How much is the sum that can be requested? The amount that can be requested is worth € 1000, € 2,000 and € 3,000. The repayment is set at 22 months.
Required documents and parameters
You can request the “BancoPosta Mini Loan” if you hold a Postepay Evolution Card. If your age is between the age of 18 and if you are not 75 years old at the end of the 22 months required for reimbursement. Of course you must be a resident of Italy and have income from a profession or pension. The mandatory documents to bring with you are:
- Valid identity card
- Health card for the tax code
- Documentation attesting the income
And if I’m a foreign citizen? In this case, you must submit additional documents:
- Passport , together with “Residence Card” or “Residence Permit”, which are valid.
- Sheet that shows your residence on the national territory.
- Demonstration meetings that certify that you have been employed for at least 1 year in a row.
The “BancoPosta Mini-Loan” allows you to request up to 3,000 euros which, if approved, will be credited directly to your PostePay Evolution card, in a single solution. The approval of the loan is Poste Italiane’s priority. Which, if it deems it necessary, can request further documents.
The 22 monthly payments are not subject to flexibility. But fixed. The installment is prepared on a monthly basis directly on the “PostaPay Evolution” card or on your “Current Account”. Bancoposta, naturally. With the date of charge of the installment, at the choice of the applicant, if the day 15 or the 30th of the month.
What if you decide to pay off the loan first?
In this case, the extinction is free. In fact there are no penalties. Just return the remaining sum. Only attention to follow is to respect the 14 days of accreditation of the loan. After this time, mandatory, just go to your usual post office and pay it off.
What if there were any changes in the financing?
In the vase you changed your mind after signing and signing the loan and the sum already paid on your PostaPay Evolution you can safely enjoy the “right to change your mind”. Here too, the only attention to be paid is not to exceed 14 days after the payment of the credit solution.
But if I have no account? Neither at the post office nor in the bank?
The Mini Loan, designed and built by Poste Italiane, is dedicated to any holder of the new “PostaPay Evolution” Card. It is sufficient that you have this card with a dual function of rechargeable card and a small Postal Account, with the basic functions of a traditional account.