For many Poste Italiane customers, obtaining a fast loan on Postepay is an undoubted advantage, since this prepaid card, of which there are indeed several versions, even virtual, is a very convenient tool that allows not only to make payments and receive payments, but also to obtain small loans at reasonable rates, ideal for those who urgently need liquidity to meet unforeseen needs or carry out their projects. In this space we will deal with the main forms of fast loan on Postepay, not before having briefly described what it is and how this card issued by Poste Italiane to customers who subscribe to it.
Postepay card, what it is and how it works
As we anticipated, there are different types of this Postepay card of Poste Italiane, which is essentially a rechargeable prepaid card that does not provide a related current account to be able to receive and use it. The Postepay can be used to make purchases of goods and services, to withdraw money at postal ATMs and in a good number of those even bank, and can be topped up via computer, at a post office or using the PayPal system. With the Postepay card
it is also possible to obtain fast financing, in particular when using the Postepay Evolution card, the prepaid of Poste Italiane more similar in characteristics to a real current account, so much so that there is associated an IBAN code in order to perform all the banking operations of who has an account.
The card has a balance and a list of movements to keep an eye on to see how much is left on the card, and in the event of theft or loss, contact the Poste Italiane 24-hour call center every day to block the card. Finally we remind you that the Postepay Card has an expiration date and can be renewed from two months before to eighteen months after the date shown on the card itself. Now let’s see what are the possibilities of a fast loan on Postepay, namely the Mini Loan and the SpecialCash.
BankCors Mini Loan up to 3,000 USD
Speaking of fast loan on Postepay, the financing that best matches these characteristics is the BankCors Mini Loan, available only to holders of the Postepay Evolution version: being a form of small loan in fact, this loan already presents peculiar characteristics of rapidity in supply. The BankCors Mini Loan provides a fixed amount as capital that can be requested, in three different possibilities, ie 1,000, 2,000 or 3,000 USD at most, and the amortization plan to repay the principal plus interest is also fixed in 22 months. BankCors Mini Loan may be required
by those who hold a Postepay Evolution Card, with an age between 18 and 76 years old at the end of reimbursement, resident in Italy and holder of a demonstrable income from work or pension produced in our country. From the documentation point of view, to take advantage of the BankCors Mini Loan you must present a copy of a valid identity document, health card and income document upon request. For foreign citizens, a passport is also required in addition to any other document of identity presented, a valid residence card or residence permit, the document certifying that one has been resident in Italy for at least 12 months if an employee, or from at least 36 months if self-employed, and finally the documentation certifying that one has been working for at least 12 continuous months at the same employer.
Quick loan on Postepay with Special Cash
The other financing solution that is made available to Postepay and Postepay Evolution card holders is the Special Cash loan of Poste Italiane, which is also like the previous one, a small amount loan that presents three different plans to choose from with fixed numbers, but with the fundamental difference that can be provided even in the absence of a pay slip, which obviously does not mean that no guarantees should be presented, but simply that it can also be provided to those who do not have a permanent employment contract, but with other certified sources of income. The amounts are therefore smaller than the Mini Loan precisely because it corresponds to a loan without a pay slip, presenting these peculiar characteristics:
- Plan of 750 USD to be repaid in 15 months
- 1,000 USD plan to be repaid in 20 months
- 1,500 USD plan to be repaid in 24 months
We therefore speak of small numbers to be returned within a maximum of two years, so as not to burden the family budget excessively, and if you do not want to charge your Postepay card, you can also choose to return by debit from the postal or bank account, or by paying bills that are delivered to the applicant’s home. We remind you that the cost of a Postepay Evolution card is 5 USD, while the annual fee is 10 USD, in line with those of other prepaid cards offered in the national credit market.
BankCors loan even without a current account
Since many Postepay card holders do not have a current account with Poste Italiane, using the prepaid payment instead of it, it seems right to us to complete the information and financing conditions of the classic BankCors loan for completeness of information, as it can also be requested from those who do not have a BankCors current account, although this is not a specific loan reserved for Postepay holders.
With the BankCors loan it can be obtained from 3,000 to 30,000 USD, with repayment plans lasting between 24 and 84 months. For those who do not have a BankCors current account, the loan can be obtained by crediting a bank account, but also on the Postepay Evolution card or directly in cash at the post office counter for postal savings account holders, and how to reimbursement range from direct debit to current account or Postepay Evolution card, to payment by postal bill. To request the BankCors Loan, the following standard documentation must be submitted, ie a photocopy of a valid identity document, health card, income document, plus any additional certifications that may be requested by Poste Italiane depending on the individual case.
Finally, we remind you that it is possible to take out an optional insurance cover to protect the loan, which supports the debtor in the reimbursement if he is in a situation that compromises his ability to keep faith with the agreed commitments. By way of example only, we show a simulation of Poste Italiane BankCors Loan, not before mentioning that the company often offers promotional offers at reduced costs and more advantageous for the customer, so it is advisable to always inquire at Poste’s website Italians or the nearest post office to find out the current financing conditions in detail.