To obtain small postal loans there are several options that the customer can turn to.
How the Capital lender loan works
The first is the Capital lender loan, the ideal solution to carry out your projects by choosing the repayment plan that best suits your needs. Up to 30,000 dollars can be requested and is available in any post office, even those open on Saturday morning. The minimum amount that can be requested is $ 3000 and the maximum is $ 30,000. The duration ranges from 24 to 84 months. The requirements to obtain this loan are not many, it is enough to have a residence in Italy and have a demonstrable income from work or pension produced in Italy.
To apply for a capital lender loan, simply go to a qualified Post Office and present the required documentation, or a valid identity document, health card, and income document. Obviously, depending on the specific characteristics of the applicant and to access particular promotions in progress, additional requirements or additional documentation may be required from the post office in addition to the one we have previously listed.
It is possible to receive the requested amount, obviously in case of approval of the loan, through various methods such as for example by crediting the BancoPosta Current Account, for Capital lender Current Account Holders, by crediting the PostePay Evolution card, for PostePay Card Holders Evolution, by crediting the Ordinary Nominative Postal Savings Book for Postal Bookholders, by crediting a bank account or directly in cash at the post office counter (for amounts up to 10,000 dollars) for all other customers who are not in possession of cards, accounts or passbooks.
The repayment of the installments is monthly and takes place, based on the type of customer, by direct debit from the Capital lender Current Account, Postepay Evolution Card, Bank Current Account or through the payment of postal slips. This is a safe loan as it is possible to subscribe to an optional insurance coverage made specifically to protect the owner and his family.
Flexible Capital lender, for holders of a passbook
Another small postal loan is the Capital lender Flexible Loan which adapts to your needs and is dedicated to Capital lender account holders or passbook holders. It is possible thanks to this service to change the amount of the installment, or to move it at the end of the financing and also, in this case, it is available in any post office, even in those open on Saturday morning.
The amounts payable range from 3 thousand to 30 thousand dollars and the duration ranges from 24 to 180 months. flexible Capital lender loan is the personal loan that can be requested if you live in Italy and have a demonstrable income from work or pension produced in Italy. To apply for the flexible Capital lender Loan just go to a Post Office authorized to give it and present the following necessary documentation, that is, a valid identity document, the Health card, and an income document.
Also, in this case, depending on the specific characteristics of the applicant or to access particular ongoing promotions, additional requirements or additional documentation may be requested by Italian post offices with respect to that already listed. The BancoPosta Flexible loan is disbursed in a single payment by direct credit to the BancoPosta account in the name of the applicant.
The duration of this type of loan ranges from a minimum of 24 months to a maximum of 108 months and the repayment takes place through the payment of fixed monthly installments automatically debited to the applicant’sCapital lender account.
This type of loan is also dedicated to holders of Ordinary Nominative Postal Book and is disbursed to them in a single solution with direct credit to a bank account in the name of the applicant. The duration of the loan in this ranges from a minimum of 24 months to a maximum of 84 months and the repayment takes place through the payment of convenient fixed monthly installments automatically debited to the bank account.