How to Apply for Credits
Bantierra, is an example to be able to fulfill any of our projects, such as buying a car, starting a business, continuing our studies, making that long-awaited trip, or even buying what we’ve always wanted, we need a little help that allows us to get it without that for it we have to stay without money.
It may also be that we find ourselves in a situation where we are confronted with an unexpected situation, such as a very aggressive hospital account or an expense to cover an accident.
For all these moments, we have at our disposal the personal loans of Bantierra , which have many benefits and advantages that we will tell you immediately.
Bantierra is an Aragonese cooperative credit entity that has managed to position itself as the main one in its category. Today it is present in 274 municipalities in Aragón, La Rioja, Cataluña, Madrid and Valencia; and has more than 800 employees trained to provide you with the best financial service so that you can fulfill all your purposes.
Bantierra is part of the renowned Caja Rural Group , one of the leading financial groups in Spain, whose long history has made it possible to offer an efficient and close service in the wide range of products offered to help both individuals and companies of all sizes.
In Bantierra you can find different financing options, such as payroll and pension accounts; debit and credit cards; financing systems such as personal loans and mortgages; Not to mention pension plans and future plans. You can also find investment instruments for the Exchange and the Market, as well as investment funds.
Additionally, you can also contract different insurance schemes, and request support for your agricultural businesses. Without a doubt it is a great option to always have everything you need if you are looking for a very easy and effective administration of your personal economy.
- Bantierra is a bank present in more than 240 municipalities around Spain
- You will always get personalized attention to find the best type of personal loan for you.
- You will have access to an online bank where you can make all the queries and movements for which you will traditionally have to go to a branch.
- You can apply for insurance to protect your loan in case you find yourself in unemployment or disability for up to 12 or 36 months respectively.
- You can request additional Bantierra products such as savings accounts, investment instruments or mortgage loans.
The main characteristics
Bantierra is not a traditional bank, but a community credit institution that seeks to offer different savings and financing options to its clients other than those offered on a regular basis. That is why you will find in Bantierra a personal loan option totally personalized and full of alternatives that adjust to the type of credit you have been looking for your projects of all kinds.
Additionally, you will find technological resources such as a very effective online banking that will allow you to perform all the movements and operations of your account, as well as visualize the status of your personal loan and the corresponding amortization table. Undoubtedly Bantierra is a great option to consider to get effective personal loans.
Is it safe to ask for a loan?
Nowadays, it is common for many people to feel insecure when requesting a loan or using the electronic services offered by banks, especially when taking into account the large number of cases that have occurred of fraud and theft of personal data. . Bantierra knows that the most important thing is your security and tranquility, so it is a bank that operates under all legal regulations to provide the best service to its customers.
In addition, whenever you use any of Bantierra’s online services you will have the protection that you will always be provided with unique and confidential access codes, which consist of a user, a password and a telephone PIN, as well as a signature card electronics necessary to ensure maximum safety.
- User number: it is a personal and non-transferable password that helps you to identify yourself in the portals.
- Identification document: it is your NIF or NIE.
- Password: It is a key generated automatically by the system, which you can modify the first time you use it so that you can remember it. You should not share it with anyone.
- Telephone Pin: is an identification number that you will need to receive telephone attention.
- Electronic signature card: it is a coordinate card that is necessary to perform transactions such as transfers, and is used to guarantee the authenticity of the transaction.
To apply for a loan in Bantierra , you must have some requirements at hand to verify your identity and your income. When you go to your nearest Bantierra branch to request your credit, take the following documents with you:
- Official identification document as DNI or residence card.
- Proof of income for the last months. These can be payroll or pension receipts, or any other document that certifies that you have stable income.
- If you plan to apply for a very large personal loan, it may be a requirement that you apply for a status of your rental status.
- It is also essential that you are over 18 years old.
If you have all the requirements indicated, you can start your personal loan application process. Additionally, you can choose to open an account or hire any other type of service Bantierra offers, so you can get the most out of your personal credit while achieving better management of your personal economy.
Bantierra’s interest rates are among the most flexible within the thousands of personal loan options currently offered through different institutions. That is why all personal loans are requested by going to the Bantierra branches, so that the advisors and executives experts in the field can provide the interest rates TIN and TAE more convenient for your situation.
Depending on the type of personal loan you request, the time you plan to return it and the amount requested, you will be offered a low interest rate so that the monthly installments do not unbalance you financially and you can easily repay all of your loan without no problem.
Can you ask for a loan?
It is difficult to get a personal loan application approved if your name is in one of the delinquency files such as the ASNEF.
Bantierra on the other hand, does not specify whether or not he accepts the requests of the people who are in this situation, so if you are thinking about acquiring a personal loan, mortgage, or any other type in Bantierra, it is best that you communicate to the customer service number and discuss your situation in detail.
Surely they will find a way to solve your economic problem under one of the financing or credit schemes.
Mobile application and customer service
You can contact Bantierra’s telephone service to inquire about the economic operations you have made, without the need of an internet connection or going to a branch. You will simply have to call the telephone number 902 310 902 and provide your identification information to guarantee your identity.
In this way you will receive personalized attention and the most important information you need to know instantly. If you are not a Bantierra customer, but want to know more about their financing products and services, you can also call this number to request more information.
If you wish, you can also use the Bantierra mobile application, which will allow you to perform several operations and perform the most urgent queries, regardless of the place or time of day. You can have mobile banking in the palm of your hand to perform all the most frequent operations, as well as to check your balances, pending payments and movements.
As if that were not enough, you have the option of receiving SMS alerts for each payment or movement you make, always having the assurance that nobody is misusing your accounts, and being able to report it immediately if that is the case.
Types of loans
The needs of each person at the time of requesting a loan are different, so in Bantierra there are two main types of personal loans so you can choose the one that best suits your needs. Whether you need them for personal projects, or to buy a car, you can find a solution to your needs.
Additionally, you can also find a mortgage loan, which will help you finance the purchase of your home easily and effectively. If you want to know about the characteristics of each of them, continue reading, and for any questions or clarification do not hesitate to call Bantierra’s customer service.
If you are looking for a loan for any medium or small project, this personal loan from Bantierra may be the ideal option for you. All you need is to have your payroll registered to Bantierra, in this way, you can advance it at the time you want and for what you need, without explanations and without further complication.
You can choose the interest rates, the terms to return and the amount requested with the help of a Bantierra executive, so that the repayment plan ends up being the most convenient for you.
Come to a Bantierra branch to learn more about it.
Loan Car Credicar
Today we all need a functional means of transportation to move to all the places we need. It does not matter if you are looking to buy a new or used car, neither the model nor the brand, with Bantierra’s credit car loan you can fully finance the payment of your car, and finally release as you had always wanted.
You can request information by approaching a branch of Bantierra, and so create together with one of the account executives a depreciation model that allows you to have any vehicle you want making monthly payments that fit your possibilities.
If you are looking to get your house or apartment, the safest thing is that you need a little help to finance it. This is how in Bantierra you can apply for a mortgage loan for your home that has a fixed, variable or mixed interest, according to your needs and your economic capabilities. You can acquire the home you have always wanted to ensure the heritage and tranquility of you and your loved ones requesting this type of mortgage loan.
Do not hesitate to go to a Bantierra branch to request more information about it and achieve the perfect plan to fulfill your personal purposes.
How to apply for loans and loans
The way to request the personal loans of Bantierra Online is simply going to one of the many branches of this bank to obtain first hand all the necessary information to make your personal loan application.
It is not absolutely necessary that the first time you agree with the required documentation, but without a doubt, doing so will save you time and you will be able to obtain your personal loan more effectively and without further complication.
If you are already a Bantierra customer, you can request information about personal subtractions and initiate your request by dialing bantierra’s customer service number. Remember that you will have to provide your personal identification information.
You can also request information through Bantierra Online banking . Use the option that seems most convenient, and remember that you will always have the advice of executives experts in the subject to solve all your doubts and create the best financing plan for you.
How to return the credits
Bantierra does not specify a way to return credits or personal loans , this is because, as part of the customer service offered by this prestigious institution, it is sought to adapt each credit or personal loan totally to the situation of the client who requests it.
In this way, an expert on the subject will evaluate your situation and will present different alternatives for the return of your personal loan, such as deposit to accounts or direct debit to your account Bantierra or any other with which you already have previously.
What you can be sure of is that you will find the payment scheme and ways to return the loan more efficiently and simply.
Extensions and postponements
We can all find ourselves in a situation where due to some accident, unemployment or any other unexpected situation, we are unable to make the monthly payment of our loan. What we would generally do is ask for an extension or a deferral to the date of payment, which can generate greater interest and make the loan even more difficult to pay.
Thinking about your safety, Bantierra is ahead of any situation of this type and offers a payment protection insurance, which will cover you in any situation such as unemployment or disability that makes it impossible to make the monthly payment of your personal or mortgage loan. Up to 12 months you will be covered if you are unemployed, and for 3 years if you suffer an accident that makes you unable to work. With this insurance you will be compensated your monthly fee for up to 1,800 euros, and you can continue with the return of the payment once you are qualified to do so.