How to get a loan directly on your Post Pay Evolution card? Simple. There are two opportunities: the Postal Bank Mini Loan and the Post Pay Special Cash Loan. The amount of the loan is disbursed on the prepaid card immediately after obtaining the approval.
The Postal Bank Mini Loan: what to know
A trip, an important expense for you and your family, a special purchase. There are many reasons that may prompt us to apply for a loan. If you are interested in obtaining a small amount in exchange for a great convenience, the right solution is definitely the Postal Bank Mini Loan. If approved, the amount requested (up to 3 thousand euros) will be available directly on the Post Pay Evolution card. Funding can also be requested by those who do not have a paycheck but who can show that they have an income.
A solution, therefore, that gives the opportunity to be able to pursue their dreams. Those interested can go to the post office and deal with an employee, even on Saturday morning. The staff will in fact be available to users to illustrate the characteristics of this form of financing.
Who can request it?
The Postal Bank Mini Loan can be requested by those holding a Post Pay Evolution card. The other requirements to be taken into consideration are: be aged between 18 and 76 years of age at the end of the reimbursement, live in Italy and have a demonstrable work income / pension produced in Italy. With this form of financing there are three amounts that can be obtained: 1,000 euros, 2,000 euros and 3,000 euros. The repayment term is 22 months.
Now let’s see how to request a Postal Bank Mini Loan. The first step is to present yourself at a post office with the following documentation: valid identity document, health card and income document. Those who do not have a paycheck must be able to show that they have a source of income or a salary. We talk about the unemployed, self-employed, students, housewives. Foreign nationals can apply for this form of loan if they hold a passport in addition to any other presented identity document, residence permit or valid residence permit, document certifying that they have resided in Italy for at least 12 months (if employee) or at least 36 months (if self-employed), documentation attesting that you work for at least 12 continuous months with the same employer.
The amount of the loan must be repaid in installments on a monthly basis. The charge is made directly on the Post Pay Evolution card or on your Postal Bank current account.
Mini Postal Bank Loan: the table
There are three amount ranges that can be requested by a user. The installments are not heavy: the amount varies between 50 and 150 euros per month as the repayment has a duration of 22 months. The Taeg does not differ from the average: we speak of 10-14 percent.
|AMOUNT||DURATION||INSTALLMENT||SUM OF RATE||ACTUAL COST|
|1,000 euros||22 months||from 50 euros||1,100 euros||100 euros|
|2,000 euros||22 months||from 100 euros||2,200 euros||200 euros|
|3,000 euros||22 months||from 150 euros||3,300 euros||300 euros|
The Postal Bank mini loan also offers the opportunity to pay off the contract early. There are no further payments. However, there is a rule to keep in mind: the loan can be paid out from the fourteenth day from the loan date. How to do? It is necessary to go to a post office enabled for the service.
Customers of Postal service Italy can also benefit from the right to rethink. As in the case of the termination of the contract, even in this case, it will be necessary to wait for the fourteenth day following the one in which the loan was registered.
The Post Pay Special Cash Loan: the features
Even with the Special Cash Post Pay loan financing is provided on its Post Pay Post Pay or Evolution card through a recharge. There are three amounts available. The loan will be functional to make purchases without having to dwell too long to think. The Post Pay Special Cash loan is the right solution for those who do not have a paycheck. Obviously, it will always be necessary to have an income or an income in order to be considered reliable to repay the loan. How long is the credit paid? Do not worry, the amount will be charged in a few days on the Post Pay card. The type of reimbursement changes according to the needs of the customers.
There are three top-up plans available for this form of financing. If we ask for a loan of 750 euros, the loan will last for 15 months. The amount will also be credited to a Post Pay Card named Evolution. The restitution of the sum, however, on Postal Bank current account, Post Pay Evolution, bank account or postal order.
The second recharge plan provides for an amount of 1,000 euros. The duration of the financing will be 20 months. Also in this case, the amount will be disbursed on Post Pay card also named Evolution, while the debit through the Postal Bank current account, Post Pay Evolution, bank account or postal order. Let’s move on to the third and last case: a loan of 1500 euros. The loan will last two years. The amount – as in the two previous examples – will also be credited directly to Post Pay Card with the name Evolution. There is no difference even for repayment: the debit is made to a Postal Bank current account, Post Pay Evolution, a bank account or a postal order.
But what are the requirements for obtaining a SpecialCash Post Pay funding? The first is certainly to be holders of Post Pay nominative and rechargeable card or Post Pay Evolution Card. The customer must also have between 18 and 70 years at the time of the request. Requesting SpecialCash Post Pay is simple. Get the right documents and go to the post office. Here’s what to bring with you:
- Health insurance card
- Income statement document
For foreign citizens are also required:
- Passport in addition to any other presented identity document
- Residence card or residence permit valid
- Document attesting that you have resided in Italy for at least 12 months (if you are an employee) or at least 36 months (if you are self-employed)
- Documentation attesting that you work for at least 12 continuous months with the same employer. With SpecialCash Post Pay you can get, therefore, up to a maximum of 1,500 euros credited directly to your Post Pay or Post Pay Evolution. Who will benefit from this form of financing, will be able to repay the loan on a monthly basis. Three opportunities offered by Postal service Italy: the payment of fixed installments directly charged to your postal or bank account; payment of postal bills sent free of charge to your home address; payment of fixed installments directly charged to your Post Pay Evolution Card.