Loans in Turin: offering 24-hour fast-changed loans and payday loans

All the best loan offers in Turin, useful for carrying out projects of any kind. Let’s find out how to receive a fast loan with the requisites and the characteristics of the loan. Finally to those who request a payday loan even if you are without a paycheck or bad payers.

Payday loans in Turin: the best agencies to receive fast loans

Personal Loans in Turin: the best agencies to receive fast loans

If you are looking for a payday loan in Turin, there are several specialized agencies in your city ready to offer you financing in a very short time. This is undoubtedly one of the aspects that are most sought by customers, so we have considered this aspect in the evaluation of the products that we will present. Among the credit institutions that operate in the capital of Piedmont there is Toribio Lomoty. The offer of funding offered to us on the company’s website is quite varied, with solutions designed specifically for every need. With the classic payday loan you can receive in just 24 hours an amount up to 30,000 euros in just 24 hours, to be repaid in a duration ranging from 24 months to 120 months, with a fixed Taeg between 7.00% and 10.00%.

Financing offers for employees and pensioners are also very interesting. The proposed solution is the transfer of the fifth, which allows you to receive the desired loan without further guarantees and with installments that do not exceed one fifth of the salary or pension. If you already have a one-fifth sale for employees in progress, Toribio Lomoty offers the payment proxy, which doubles the transferable portion of the salary so as to receive additional liquidity. Finally, among the offers of loans in Turin there is the so-called Refinancing. The latter solution is aimed at those who have several loans in progress and who are interested in unifying them into a single debt. In this way you can redefine the repayment plan, with the possibility of having a single interlocutor and a single installment. 

Among the best loan agencies that can be found in Turin is Alphamegas. By contacting this company you can receive loans for amounts ranging from 2,000 euros to 30,000 euros. This is a non-finalized loan, aimed at all employees and without the need for a guarantor’s signature. In the wide range of loans offered by Alphamegas there are also solutions designed for protested and foreclosures. In this case it will be enough to present the paycheck to be able to access the financing anyway. Also in this case we are talking about very fast financing, given that the estimated delivery times are of maximum 48 hours. Very interesting for residents in Turin is the possibility of receiving the amount at home, in the case of cash dispensing. 

The last credit institution that we report on loans in Turin is Amony, which deals with all the financial services that can be useful. Also in this we find the classic payday loan that represents the perfect solution for example for the purchase of a car or a motorcycle, but also for the renovation of the house, the purchase of furniture or the organization of a trip or a ceremony. The maximum amount that can be requested is always the same, ie € 30,000, while the repayment duration varies between 24 months and 84 months. In the case of loans for retired people or the transfer of the fifth salary, the repayment plan can be up to 120 months. Finally, for all those who due to misunderstandings of different kinds, delays or protests can not access the payday loan there is the loan by proxy, with characteristics in all respects similar to the assignment of the fifth salary. 

The ones we have just seen are obviously the agencies that operate specifically in Turin. To these are added all the major credit institutions that operate throughout Italy. In the Piedmontese capital you can easily find the offices of the main companies such as Astrofinance, Ultranix, Cleopar, OneLoan and more. So our advice is to take a look at all the best loan offers that can be found by visiting the official websites of these lenders. In case you are interested in certain products you can then make an appointment in the branch located in Turin, perhaps choosing the one closest to your home or your office. In this way you can receive further information on loans or make a request for funding to receive it within 24 or 48 hours.

Loans changed in Turin in 24 hours without paychecks: what alternative guarantees?

Loans changed in Turin in 24 hours without paychecks: what alternative guarantees?

As we have seen, therefore, there are several credit institutions to which you can apply to receive a payday loan in Turin. However, the financing options we have considered so far can only be requested by those who have valid guarantees to present. In particular, the presentation of the paycheck or pension slip is required. What to do instead for those who are without a paycheck? In this case, the form of financing that is most commonly offered is that of loans that have been changed. This loan option is characterized, as described by the name itself, by the fact that the repayment takes place through the payment of bills issued by the lender.

Modified loans can be requested by those who are without paychecks because the bill is a guarantee for the loan provider. The bill is in fact an enforceable title, and this means that the lender can go to a court to request the confiscation of assets. In any case, in order to present the request, some alternative guarantees are necessary. In particular, self-employed workers who receive a certain annual income can present the request for funding, which must then present the tax return. In case this is not sufficient or for those who are unemployed, a solution can be the presentation of a guarantor or the mortgage of a property owned.

To receive a loan that has been changed in Turin, you can go to one of the loan agencies listed above. Alternatively, you can choose the solution of private loans, which often offer loans with bills of exchange. In the latter case, we advise you to pay close attention to those you contact, as unfortunately you risk being scammed. To receive a 100% secure private loan, the best solution is to register with one of the online social lending communities, where you will have the opportunity to get in touch with many lenders also residing in Turin.

Offers of payday loans in Turin for protested and bad payers

Offers of personal loans in Turin for protested and bad payers

Another category of customers who often find it difficult to receive a payday loan is that of protestors or bad payers. In the event that a customer who receives a loan then makes the payment of late installments or for some reason fails to complete the repayment, it is reported in Central Financial Risks. Every time you go to request a new loan, the bank checks the database, and if the customer is on the list of protestors or bad payers, he refuses the request for a payday loan.

In case you are in this situation and are looking for a payday loan in Turin, there are solutions that will allow you to get the amount of money you want. In particular, those who can obtain the desired loan without problems are the customers who, despite having had problems in repaying a loan in the past, are employees or pensioners who can then present the paycheck or pension slip. In this case, just go to any credit institution in Turin and make the request. In the case of self-employed persons protested in addition to the declaration of income may require the submission of a guarantor.

If you have been reported as bad payers and are currently unemployed then it will obviously not be very easy to access the desired financing. In any case, there are two solutions: the presentation of a guarantor or the mortgage of a property. A very interesting feature of loans for protestors or bad payers is also the possibility of being deleted from the register of the reported. In the event that, once this type of loan is received, there is no problem with the reimbursement, the credit institution will request cancellation from the register of bad payers. This means that you will no longer have too many problems to access the classic payday loan. To make the loan request for protestors and bad payers in Turin the solutions are always the same, that is to go to a specialized agency or choose loans between individuals in the office or online.



Clustering credits: how does it work?

For example, some of the vagaries of life, such as the loss of a job, can make it particularly difficult to pay the monthly installments of our various loans. In Belgium, the number of people who can not repay their loans because of financial difficulties is relatively high.

In fact, the statistics of the BelBank’s Personal Credit Center reveal that they are close to 370,000. In this respect, the grouping of loans proves to be a particularly effective solution to get out of this type of impasse. But how does a grouping of credits work? What are the assets? How to take advantage of the best rates on the market? These are some of the questions that this article aims to answer as clearly as possible.

Credit Clustering: Operating Principle

Credit Clustering: Operating Principle

As the name implies, loan consolidation, also known as loan buybacks, is a financing technique that consists of consolidating multiple loans into one. The idea is to obtain financial stability by obtaining new monthly payments as well as new repayment deadlines, all while now addressing only one and only one interlocutor.

The principle of such an operation is simple. When you decide that your income can no longer afford to pay your monthly payments without compromising your daily life, you can contact your banker or any other authorized body in Belgium. You go up to do a file including the list of your current loans and a precise description of your income. The goal here is to allow you to renegotiate the terms of your loans. At the end of this process, you then have only one loan to repay over an extended period. Through the purchase of credits, you also have the opportunity to pay a loan earlier than expected by anticipating your repayments.

The different types of loans involved in a loan buyback

The different types of loans involved in a loan buyback

In Belgium, loan consolidation concerns a wide range of loans. These include unauthorized bank overdrafts, loans obtained for the purchase of goods such as a car, a laptop or a scooter. In addition, home loans are part of a repurchase of loans, whether for development or major works. Consumer credit can also be grouped together, just like those belonging to department store credit cards.

As can be seen, the credits that can be redeemed or grouped are multiple. This is why loan consolidation is a particularly advantageous solution.

Tips for obtaining a loan consolidation formula adapted to your situation

Tips for obtaining a loan consolidation formula adapted to your situation

Because of its many strengths, loan consolidation is a solution offered by a large number of organizations on the market. Which means that the offers are varied. It is therefore important not to rush into the choice of institutions specialized in this type of operation.

To increase your chances of finding a repurchase agreement adapted to your personal situation, you must therefore play the competition card thoroughly. To do this, a comparison must be made of the various proposals made by the authorized bodies. In practice, simply send a quote request to the establishments that seem to interest you. You will have plenty of time to study in great detail the main elements of each offer you receive within a reasonable time.

When choosing a loan consolidation proposal, consider your repayment capacity. It is for this reason that you have to make a simulation of your buy back of credits. This is easy because there are different tools you can find on the web. All you have to do is fill in the information requested in the places indicated to get an idea of ​​your personal situation in a few clicks.

What are the best loans with fifth assignment?

First of all it is better to clarify what is the loan with a salary-backed loan, this type of loan allows you to obtain immediate liquidity by using the pay slip as a guarantee. You are wondering why it is said fifth, the reason like everything there is and it is very simple. The fifth is said because the amount of the monthly payment cannot exceed 20% (that is, one fifth) of the net salary. The greatest thought is up to your employer, who will personally take care of paying the reimbursement (which is made by debiting the pay slip) directly to the bank where it is requested.

Generally it can be requested by both retirees and private and public employees, but in this article we will only clarify the loans offered to employees of private companies. Before proceeding with the explanation and making the request for the loan with a salary assignment, it is good to make a premise: the customer who wants to access this loan must make two assurances : one on life and one on employment risk.

Both insurances serve to cover any risks or impossibility of repaying the loan, obviously the insurance can be made either at the bank or the insurance company that you prefer. The experts in the financial sector, SuperMoney, have given us help in selecting the best loans with salary-backed loans (with reference to the salary of June 2016). For those not familiar, the site mentioned above is useful for comparing the best financing available on the market.

The information you will read about this article is for information and example, as the loan with a fifth assignment is a particular type of financing, and its conditions vary according to different type factors: seniority, age, company for which work and much more.

AstroFinance offer: Sale of the fifth zero expenses and fixed installment

AstroFinance offer: Sale of the fifth zero expenses and fixed installment

The best offer for the loan with salary-backed loan, in reference to June, is certainly that of AstroFinance. To begin with, it clears all the costs of opening the practice, the banking and brokerage fees, the stamp duty and the cost of periodic communications. It should be emphasized that thanks to these benefits, the financing offered by AstroFinance is one of the best with the lowest APR on the market.

Useful documents to get the loan with a salary-backed loan

Useful documents to get the loan with a salary-backed loan

An important requirement for obtaining a loan with a salary-backed loan, with regard to the employee of a private company, is to have been hired on a permanent contract in order to have a greater guarantee on job stability, and for to be able to deal with the insurance coverage we were talking about previously. After mentioning this “constraint” we inform you that it is not mandatory to communicate how you want to use the loaned money, as it is a personal loan not finalized. Here are the documents to present to get the loan :

  • pay slip;
  • the CUD model;
  • valid identity document;
  • fiscal Code

To clarify AstroFinance’s interest rates, let’s take a practical example of a loan of € 15,000 to be repaid in 120 monthly installments, or 10 years. You are offered a fixed TAN of 7.24% and an APR of 7.48%. The monthly payment to be paid will therefore be € 176 and the total amount to be returned is € 21,120.

IBL bank offer: salary-backed loan with low interest rates and a duration of up to 10 years

IBL bank offer: salary-backed loan with low interest rates and a duration of up to 10 years

IBL bank also offers an interesting loan on salary-backed loans. To start with, IBL bank does not ask for any guarantee, but only the pay slip and no motivation on the nature of the loan. The duration of the loan varies from a minimum of 2 years to a maximum of 10 and the fifth can be present with other payroll deductions, the only restriction is that the sum of all the loans must not exceed 50% of the net salary.

The IBL Banca loan is also among the best since we also did a simulation on the loan with salary-backed loan. This time we requested € 10,000 to be repaid in 120 months, the TANfisso is 4.65% and the APR is 6.90%.

Wentice offer: loan with sale of the fifth of Datugilio

Wentice offer: loan with sale of the fifth of Datugilio

In few or almost no one knows Datugilio, is a credit company that has thirty years of experience in the credit market, and belongs to the multinational group Société Générale. To be better known, Datugilio often launches interesting products, in this case we are talking about Wentice.

Wentice is a valid and interesting proposal and has almost the same characteristics as the previous ones, you have to present only your pay packet, your documents and does not require to specify which use you will make of the loan. But unlike the others it has an added value, in fact even those who have a fixed-term contract can take part, provided that the duration of the loan does not exceed that of the employment contract.

We could not miss here our comparison to understand the interest rates of Wentice, and on a request of € 10,000 to be repaid in 5 years, you are offered fixed rates TAN 9.69% and APR 11.85%, with an amount of the monthly payment of € 218.70, for a total amount to be returned of € 13,122.

Making a brief summary, we can say that the loan with a salary-backed loan is excellent for obtaining favorable rates on interest rates. Obviously we alert and communicate to be careful and always look after the TEGM ( Effective Global Annual Rate ), the limit imposed by the BankerTally that must never be exceeded, otherwise consider yourself also victims of banking usury.

Loan purchase

In life, you will encounter many situations where you will need to feel supported. You may have to take several loans at different times.

However, you could suffer the consequences of these sparse investments. That’s why Your online credit broker offers you to make a loan redemption. This simple solution will allow you to see more clearly.

Free yourself from the weight of scattered monthly payments

Free yourself from the weight of scattered monthly payments

Life is full of surprises so there are many reasons why you can apply for a loan. Over the years you have certainly contracted credits for your wedding, the purchase of your house, your car, for a trip, for studies, etc. You have projects and you will have many more. We help you to realize them.

Loan buyback allows you to collect all the loans you have going on. Thanks to our expertise, we will direct you to the most advantageous loan buyback. This action will allow you to benefit from a reduction of the costs of your monthly payments. You will quickly feel the difference and it will be a real relief for the management of your daily life.

Simplify your life with the purchase of credit

Simplify your life with the purchase of credit

Indeed, the repurchase of loan is the opportunity to face the financial difficulties encountered when there is too much scattering in the repayments. Your online credit broker helps you collect your loans to keep one.

We give you the chance to reduce the amount of your deadlines by recalculating a loan adapted to your resources. Loan redemption is ideal to avoid being overwhelmed by the chaos that can result in different loans. We take care of your loan redemption any discretion.

This rebalancing of your accounts will give you the opportunity to undertake new projects. When paying your next installments, you will feel a considerable improvement in the expense of your monthly expenses. You will notice that your account is again in agreement with your personal resources.

Your online credit broker offers you the opportunity to discover your loan redemption in a few clicks!

Loan works simulation belgium

Understanding the loan simulation work Belgium

Understanding the loan simulation work Belgium

The work is expensive but you can finance it easily with a credit. Find out all about the simulation work loan Belgium before you start.

All about the loan simulation work Belgium

All about the loan simulation work Belgium

Renovation is an essential step to increase the value of a home that you want to sell or rent. It is also a guarantee of comfort and well-being, whether in your main home or in your second home. It goes without saying that the works have a cost but by comparing the different offers of credit, it will be easy for you to choose the right financing method.

One credit, two options

The term “work loan” offers you the possibility to choose between a mortgage loan and a renovation loan.

The mortgage gives you a low interest rate and is advantageous if you want to borrow a large sum (50 000 € and more). The approach is quite demanding and may involve additional costs, including notary fees and credit fees.

However, you can use an existing mortgage loan. If you estimate that the amount reimbursed is sufficient (or greater) than the amount of the work, you have the opportunity to restructure the credit without going through the notary. The bank puts the required amount at your disposal, within the limit of the value of the mortgaged property.

The renovation credit is less restrictive in that it does not involve any additional costs or security deposit. The main condition for granting is based on the submission of quotes from building professionals. The bank or the lending agency studies these quotes in order to grant you the requested loan.

In both cases, think about the loan simulation work Belgium. You will be able to compare the various offers taking into account the annual percentage rate of charge (APR), proposed repayment terms and other determining factors.

What to finance with the loan works?

What to finance with the loan works?

This loan allows you to finance your work, still need to know which ones. In reality, any operation aimed at renovating your home entitles you to this loan. This already includes the purchase of materials and materials, not to mention the costs of service providers. In concrete terms, your credit offers you the opportunity to:

  • redo your electricity and / or plumbing
  • have a pool built
  • create a terrace, a balcony or a veranda
  • change your floor and wall coverings
  • renovate your woodwork
  • replace your carpentry
  • have additional rooms built and furnished
  • etc.

Loan with installment basset of PLW Bank

Temo Posila is the personal loan PLW bank available for employees and retirees who want access to financing with the formula of employee loans . It is therefore a form of financing that provides for the payment of a monthly payment, precisely “bassotta”, equal to one fifth of the salary and directly withheld. The maximum amount of the monthly installment just described is always valid if the applicant does not exceed the limit of 50% of the net salary if other deductions are present in payroll. Temo Posila of PLW bank can also be granted with a single signature, also to bad payers and protesters, in addition to those who have other loans in progress. This type of loan is therefore also widely used as a form of credit for debt consolidation.

Features Posila PLW installment

Features Posila PLW installment


Over time, the loan has maintained a rate almost always below the market average, only for the financial component and this has contributed a great deal to its spread. Among the other features of Temo Posila it should be remembered that the loan has an installment term ranging between a minimum of 24 months and a maximum of 120 months-rate.

The maximum financeable sums vary according to the agreements that the PLW bank stipulates with the contracting parties, but the maximum ceiling is 75 thousand euros. For an installment calculation simulation based on what you want to request, you can contact the branches of the credit institution in order to have full knowledge of the contractual conditions.

Financing can be allowed for different and varied purposes: from the building to the garage, to the new or used car, without forgetting the cost of furnishings, to renovate the house, to buy goods for your business, and again for training courses, for purchases of household appliances, heating systems or air conditioners, for dealing with the costs of a wedding, for the purchase of computers, for other IT devices, for medical expenses, travel and holidays. The minimum tan of Temo Posila is 4.7%, the maximum Tan cannot be higher than the Taeg.

Once granted, the loan will be credited directly to the client’s current account or by check. The repayment of the installments will have to be made by bank transfer directly by the employer while the first installments will be withheld on the salary or pension slip.

Example of financing with Temo Posila

Example of financing with Temo Posila


Wanting to do a simulation of the loan with PLW’s fifth assignment, for a loan request of 5,000 euros to be repaid in 120 months, the monthly payment will be equal to 59 euros, for a TAN of 5.21%, an APR for 7, 63% and total interest paid amounting to € 2080.00.

Instead, for a loan application with Temo Posila amounting to € 15,000 to be repaid over a ten-year period, the monthly payment will be € 181, for a TAN of 6.03% and an APR of 8.17%. Under these conditions the total interest to be paid will be 6,720 euros.

The loan is compulsorily subject by law to an insurance coverage guaranteeing the life and employment risk whose charges are borne by PLW. The insurance coefficient calculated on the borrowed gross capital is related to a variable life insurance coverage based on the duration and category of the applicant. If the latter exceeds 80 years of age at the expiry of the loan the insurance cost may vary and will be calculated at the time of the estimate.