Across Lender loans and lines of credit, customized options
The options offered by Across Lender Spain are mainly two: loans and lines of credit. In the first case, it is the classic online solution: quick loans in which the client chooses an amount and a term and, if he meets the required conditions, he enjoys it almost instantaneously. The main difference from its competitors is that the maximum limit that an applicant can aspire to is much higher than the average: up to $ 3,000.
The other option available at Across Lender is the line of credit, in the style of what banks offer, mainly to professionals: the client chooses an amount, Across Lender makes it available to him and the client can use whatever he wants, paying only for what you have used. A solution always open and available, as a virtual account. There are no opening or maintenance costs.
Deadlines and fractionation in the return
The other great difference of Across Lender lies in the return terms, which are much longer:
- 24 months for Across Lender credits
- 36 months for the line of credit
This is so because the return is not made in one go, as it happens in most online lender portals, but is always done in a fractional way, at least in 2 monthly installments. The consequence is that each payment is more comfortable for the client, although the contractual relationship of lender and borrower is longer. At the time of approval, the company informs of the installment schedule, without hidden costs, as many clients indicate when they offer their opinion about Across Lender.
Multiple forms of payment to return a credit
One of the great advantages of opting for a quick online loan Across Lender, is the great variety of forms of payment that this Spanish company offers its clients. To return the credit, a customer may choose the following:
- Within the Personal Area, the customer can process the return online, at any time and from anywhere. The bank transfer is valid through an Online Banking gateway, the debit card and even PayPal, a system that few online lenders provide.
- Direct bank transfer, either online or traditional, to a Cream Bank account number.
- Telephone payment : using the number and the security code of a debit card.
- Correos : through a payment receipt that can be printed and paid directly at a Correos office. Again, this is a differentiating and innovative method from Across Lender.
Customized requirements for clients
Regarding the requirements that a client must meet, there is no predetermined list, except for these two absolutely essential conditions: being of legal age and having fixed economic income every month. Beyond this, Across Lender merely indicates that if “any other documentation” is necessary, they will contact the client immediately. In this sense, the customer service is accessible and with continuous hours, since it works Saturdays and Sundays with the same usual hours: from 8 in the morning to 8 in the afternoon.
In any case, it should be borne in mind that in the case of fast loans the approval and sending of money can be almost instantaneous, but for lines of credit or for larger loans, this company submits each application for study, so that the higher the income, the better, as well as not being included in lists of defaulters, which could harm the final verdict of the lender.
Advantages of Across Lender loans
Across Lender’s fast online credits get very good ratings from their clients. So its main advantages stand out much more, than the disadvantages that there may be. Next, we are going to detail the positive that stands out in the opinions about Across Lender so that you feel safer when entering Across Lender.