Guide to Bankate loans: how to simulate and apply for a loan
Bankate loans can also be disbursed completely online, as well as through the traditional channel that passes from the agencies or from the affiliated sellers. As for the proposal we find instead:
- personal loans, among which we also find the fifth sale for public and private employees and pensioners;
- specific financing, above all through agreements with shops and concessionaires;
- credit cards ;
In addition we also find various insurance-type solutions. As for Bankate as a company, we are talking about a financial subsidiary 61% owned by CreditCole through CreditCole Consumer Finance and the remaining 39% by Bankors bank. Regardless of the structural changes (such as the merger with Ducato) we are talking about a company active since 1986 and therefore with a know-how on loans over thirty years. We come now to today’s proposal.
Personal loans and salary-backed loans
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In the category of personal loans we find the various solutions designed for those seeking liquidity within a predefined threshold (up to a maximum of 30 thousand USD) without having to justify the expense. It is mostly solutions with a certain flexibility, thanks to the options available:
- duration change;
- change installment;
- skip the installment (postponing it at the end of the repayment plan).
To know the conditions you can do the online simulation, the installment calculation and possibly continue with the request always all via the web thanks to the digital signature, unless you prefer to contact an Bankate agency.
First of all, remember that the fifth assignment can only be requested by public or private employees or retired employees, while other personal loans do not have this type of limitation. With the transfer of the fifth, the procedure is partly different because there is no calculation of the installment with a simultaneous estimate. It is in fact necessary to make a request for a quote which will be communicated at a later date, based on the various personal and company data (or the pension institution for pensioners), which have been entered. In particular it must:
- select the red Request Now button;
- fill in the mandatory form in each field with which you request the quote and authorize the processing of personal data;
- wait for the next contact by Bankate consultants, with the calculation of the official estimate.
As mentioned, the procedure for other personal loans is partially different, leading first of all to an immediate calculation of the installment directly online through the dedicated tool. In this case it is necessary:
- select the installment calculation in both the home page and the other pages of the official website:
- enter the amount you would like to get or for which you want to view a quote;
- choose the duration that allows you to have a sustainable installment according to your possibilities (in our case we have chosen the maximum duration of 120 installments on a request of 30 thousand USD);
- see the corresponding rate applied and print or save the quote
If you want to continue with the actual request, you must then click on Apply Now and fill in the mandatory spaces, being able to complete the request with the digital signature that uses the system with OTP (after which you must upload the required documents, confirm the send and wait for the response).
With Bankate it is possible to proceed with the reimbursement also through the postal bulletins which, among other things, can also be paid through SisalPay (app, online from the site and points of sale).
Finalized loans and leasing
To find out about the conditions for a finalized loan or a lease, you must forcibly contact the store or seller (you can also obtain Bankate loans at a zero rate ). In the case of targeted loans, the requests must pass through the seller if made in the store, or for the seller’s site if made online. Also in this case it is a possibility open to all those who have a demonstrable income, both autonomous and dependent or retired, if the personal requirements are also respected.
Bankate provides various types of credit cards, many branded and a good part equipped with the possibility of buying with a revolving function. Some well-known Bankate cards have recently received a modest restyling, such as the Bankate Zero, which replaced the Zerus, while maintaining a fundamental characteristic, ie, spending over $ 500, the possibility of ‘returning’ the amount in 10 installments per zero rate. Then there are the various cards related to airlines (Iberia, Vueling British airways, etc.).
We conclude our overview on Bankate loans with two ‘particular’ proposals that we can classify as “small loans”. These are:
This is a revolving or revolving credit. It passes through an evaluation phase (with identity and income document and tax code), where if the requirements are met, a credit line is recognized. When you need a sum, equal or less than the credit line (until it is exhausted), a corresponding transfer is required on the current account. From the following month the agreed installment is paid, gradually restoring the credit line that can be used again. The transfer to c / c can be requested:
- from the app;
- by calling 800 12 90 10;
- from personal area on the official website.
In this case we always have a small loan, considered the maximum sum that can be requested equal to 3 thousand USD, but in addition we add the novelty of the request through the app of the same name compatible with android and iOs operating systems. This is a classic loan, as, if granted, you will begin to pay the installments shown in the contract until extinction (also possible in advance). The request is 100% online starting from the simulation up to the signing of the loan by digital signature.