Unforeseen events, last minute expenses, vacation periods, back to school, utility bills ... the number of reasons why we may need financing are multiple. Cashper is an entity specialized in granting fast loans also to people included in the West African Loan Group and who this circumstance prevents them from accessing personal loans.
In Cashper you can request quick loans of amounts between 50 and 500 euros to be returned within a maximum repayment period of 30 days. They are therefore short-term loans, useful in times of specific need, not as a means of recurring financing. If that is what we are looking for, here we are going to explain everything there is to know about Cashper's services.
Cashper - Features
|Financing type||Quick credits , online loans, loans without payroll, loans without papers|
|Maximum and minimum quantity?||€ 50 - € 1000|
|What is the maximum and minimum term?||5 - 30 days|
|Free first loan||Not|
|What interest do you charge?||2,968.7% APR|
|Do you ask for guarantees?||Not|
|Loan calculator and simulator||Too|
|Can I defer payments?||Yes|
|And cancel in advance?||Yes|
|Where is it hired?||Online also phone|
|How long does it take||5 minutes but it depends|
|In what period does the money reach me||15 minutes, but it depends on the bank|
|What banks do you work with?||Banco Sabadell, Bankia, BBVA, Caixa Catalunya, and Banco Santander|
|Web page||Official Web|
|Is my application rejected by the West African Loan Group?||Not|
|Do I need to have a payroll?||No, but if income|
|Can I process with pension, self-employment or unemployment?||Yes|
|Age range||21 - 70 years|
|Can I verify my details with Instantor?||Yes|
Requirements to request a cashper mini credit
The requirements of the Credit Cashper do not differ from the usual in this type of financing, we see it below:
- Be over 21 years of age and reside in Spain
- Be the owner of a bank account in our country
- Have email and mobile phone
- Have regular income
Do I need to have a payroll to request my loan?
No, it is not mandatory to have a payroll but to have an alternative fixed source of income such as a pension, benefit, aid or self-employment.
Consequently, it will be necessary to have stable income to access. Being a pensioner, unemployed or self-employed will not prevent us from accessing fast loans since these are income in the same way accepted.
Can I request my credit if I am in the West African Loan Group?
Being listed in the West African Loan Group is a problem in most credit transactions, but this does not happen with Cashper which does support West African Loan Group. It is an element that you will take into account in your analysis and study of the customer's solvency profile, but it does not consider it decisive to approve or reject our request.
It will depend on the origin of the debt, whether it is bank, financial or of another type, as well as the amount for which we appear in the delinquency records.
The West African Loan Group file includes all types of people, from those who have simply suffered a delay in payment, professional defaulters and even due to discrepancies with the creditor. Appearing in the file is not difficult, that is why Cashper does not take it as a risk factor when analyzing each case individually.
As long as we can demonstrate sufficient income and our credit history is not dire, Cashper can grant your quick mini loans despite being registered with the West African Loan Group.
But if the application is still denied, we must visit our article where we list the entities that grant fast loans with West African Loan Group (link) to find alternatives.
How to obtain a credit in Cashper
The process of requesting urgent money with Cashper is actually very simple, let's explain it:
1 - First we have to enter Cashper and select the amount and duration to return the credit (15 or 30 days)
2 - Secondly, you have to fill out an online form with your personal data and send the necessary documentation by email to email@example.com (ID, proof of income and bank statement where you can see we are the account holder).
3 - Later, they evaluate our solvency by setting a level of risk for which they accept or reject us.
4 - Finally and if it is positive, they deposit the money in our bank account at the moment. As you can see, the procedures are minimal and practically without papers.
During the application process, we use the Cashper loan simulator to calculate the cost of a mini loan with them. When entering amount and term, the system automatically calculates the total to be returned, breaking down the principal of the fees, commissions as well as interests, the transparency of this company is well known in the sector.
Therefore, for an amount of 200 euros over 30 days, 265 euros will have to be returned, APR 2,968.7%
If we ask for 300 euros in 30 days, the interest amounts to 95, total pay 395 euros, APR 2,742.0%
Cashper's mini-credits are processed online as it is a technology company that provides these services classified as Fintech. A new way to grant money faster through applications that serve as a complement to traditional banking products.
Even so, there are people who do not handle well with new technologies, not knowing how to complete the online process. As a solution for these individuals, Cashper allows them to apply over the phone with the help of an agent who guides them through the process.
How long does Cashper take to deposit the money?
Once we have sent our credit application, Cashper is able to give us an answer in just a few minutes.
The transfer is immediate as soon as we accept the terms and conditions of the contract, however until it reaches the account it may take 24 to 48 hours according to our bank.
Despite the fact that after approval Cashper sends us an invoice with the total to be returned by depositing the credit money in the indicated account, transfers between different banks can take from 24 to 48 hours.
Only if our bank account matches one with which Cashper works then it will reach us instantly.
Which banks does Cashper work with?
Continuing with the comments in the previous paragraph, according to our bank, it takes more or less time to receive the money. If we have an account at Banco Sabadell, Banco Santander, Bankia, BBVA or Caixa Catalunya, it reaches us in minutes.
But if our account is different from one of those named, this period will be longer, between 24 to 48 hours as it is the time it takes to make transfers between different entities.
What is the maximum if we are a new Cashper customer
In the first loan, Cashper allows us to request 500 euros, an amount higher than that of other lenders, this amount can be increased in the following requests as long as we demonstrate commitment and good payment behavior. Returning the credit in a timely manner helps us to improve our assessment as a client by increasing the level of trust and relationship with the entity. Our reliability is increased so that Cashper will be willing to lend us a higher amount in the future if we request their services again.
Repay the Loan
After having solved our money problem thanks to Cashper, the next thing is to close the operation. The refund of the Cashper credit can be made by bank transfer, account deposits, paying from the ATM or with a credit or debit card. It offers payment facilities so that customers can choose the one that best suits us.
Before the due date, Cashper staff contact us to remember when we have to settle the debt, either by email or SMS.
To make the payment, simply enter the Client Area (My account) with the access data. Once inside, we click on "Pay", we choose the chosen payment method and complete the procedures. After making the refund, a Cashper agent notifies us that we have successfully completed the return and may request a new fast credit of a higher amount if so we want it by increasing the level of trust.
What if I can't pay?
If the payment date is approaching and we know we cannot face the debt, we can request an extension or extension of the term, this policy of extensions is not free but carries a cost, but it is still better than not leaving it unpaid.
Telephone and contact details
To contact the lender, we can use any of the means of contact that it makes available to users.
Call the free phone number of Cashper, 910 052 004 during its customer service hours from 9.30 a.m. to 6.30 p.m. from Monday to Friday and Saturday from 9 a.m. to 2 p.m. Also send a message to your email firstname.lastname@example.org
Contact them through their fax number 915 502 671 or by SMS at 638 444 218
The company to which Cashper belongs is Novum Bank LTD, with registered office in Malta with extensive experience in granting fast online loans.
We can also make use of the Client Area or Personal Area which we explain below.
Client area, My account: Cashper Clientes
After registering on your portal, we will be able to enter your portal through your username and password.
To start a session, all you have to do is click on the login available on your website, the access being clients, from there start new credit requests, communicate with the company's agents, answer questions, request an extension as well as cancel the debt.
It is the main means of communication between the financier and the borrower, being common in fintech companies.
Opinions about Cashper
In this section we are going to read the comments and thus Cashper opinions of people who have accessed your offer and have shared their experience.
In addition, from our website we have investigated the internet to discover disparity in opinions, some good, fair but also bad. However, the latter are minimal because we can see that their satisfaction rate is high.
Here are some comments from people who have given their opinions about this lender:
Lorena "The application was very fast and also simple, I didn't think I could get money so quickly"
Mauro "No paperwork, just do not have to send documents and I could also request it from the comfort of my home, online"
Gastón "The urgent mini-credits with the West African Loan Group of Cashper gave me the solution that others denied me"
Lucia "For a non-payment, I have read on the internet that you can receive harassment and threats until paying the debt, I did not like that although on the other hand I do not believe 100% that it is true"
When we need liquidity to face unforeseen expenses, but we do not have cash, if we meet the conditions indicated above such as showing income, Cashper can be a solution that alleviates our personal situation.
Appearing in the West African Loan Group will not be an impediment to the reverse of what happens in other sites as companies like Cashper eliminate this data from their concession parameters.
We can also ask for an acceptable amount with a flexible term, the interest rates being accessible, within the average.
It works according to a transparency policy that meets the highest quality standards, applies codes of good practice and also believes in a responsible lending policy. For all this, we think that Cashper is one of the best mini fast online credits available today.
Alternatives to Cashper
Although, as we have said, it is a reliable, safe, transparent option that offers the maximum guarantees, from Igreigre we always recommend comparing. As companies similar to this we can name:
Do you want to enjoy a place where you can solve your doubts and questions about Cashper loans? Below we activate the forum so that you can give your opinion and tell your experience with the company. Write your comment, we look forward to it!