Payday Loan Consolidation

Where can I apply for payday loan consolidation online?

Even if you have a bad credit history, a personal loan can be an option to get the money you need.

While it is true that many banks and credit unions will not approve a borrower with low credit score.

Also, it is that several lenders on the Internet offer personal loans to these borrowers. So they can solve their economic needs.

In fact, there are some online lenders who specialize in granting loans to help consumers consolidate their debts- help with loan debt.  

Where to apply for a credit if I am on the delinquency list?

As I told you before, there are many serious and reliable lenders who work managing their services completely online and offer to finance for people who are in ASNEF or RAI.

These lenders act under their own conditions, so the fact that traditional banks do not accept these types of clients does not affect them.

In addition, some estimate that if a person has a debt less than a certain amount (between 1,000 and 4,000 euros depending on the lender), and the debt has not been contracted with a bank or by a loan (in most cases), a person does not have a large “risk of default”.

And that’s why they facilitate their services since usually the reason why people enter files of this type is that of a bill from a supply or the phone.

There are also lenders who do not care if you have entered the file of defaulters for non-payment of a loan or if the user does not have a payroll since they ask for a guarantee as collateral.

Through our platform, you can find all these lenders who are willing to lend you the money you need.

You just have to enter our credit section with ASNEF and have a look at all the products we have at your disposal.

How to choose the best loans?


Interest rates are a great consideration when you are looking for a loan with ASNEF or a mini loan with ASNEF.

However, there are other factors to consider.

Next, I will show you the criteria that you must take into account when looking for the best financing product.

And these are:

  • Higher credit limits: While it is common for some lenders to offer a low amount to the borrower with ASNEF, the best lend larger loans to those who need it.
  • Reasonable TAE: Some lenders may raise their rate for the risk they are taking, however, the best ones keep their interest rates competitive.
  • Flexible terms: You may wish to amortize your loan in advance to save interest, or you may require a longer term to keep your payments low. The best lenders are flexible in these aspects, without limiting you in a single term.
  • Specific details easy to find: The best lenders understand that borrowers want to know the interest rates, loan amounts, terms and rates before starting an application and include that information so that borrowers can easily find it on their website.
  • Reputation: consider a serious and reputable lender company.

Make sure you evaluate a variety of options when you look for the best loans.

A good start is to compare several lenders through our comparator and select the one that offers the best benefits according to your financial needs.

If you want to know where you can apply for quick loans with ASNEF do not miss the article today, we will let you know the best options. Click to tweet

Tips to keep in mind

If you have decided to request one of these financial products in our section of credits with ASNEF you must take into account some things.

Since they will help you choose the best loan for you and according to your personal financial situation.

In such a way that you are completely ready to request your financial product. Let’s see what are the things that you should keep in mind:

Decide how much you need

You will pay interest on this loan, so you should not borrow more than necessary.

But, on the other hand, you need enough to satisfy your needs while the loan lasts.

An important factor in making the loan affordable is its term (duration).

The longer it lasts, the more likely you are to pay more total interest.

But you do not want to have difficulties making monthly payments.

So try to find that optimal point where you are not paying more than you need.

But that you feel comfortable to be able to fulfill your commitments easily.

Decide what you need from the loan

You should also think about the characteristics of the personal loan you want.

If you think there is a possibility of returning the money before the agreed end date, you should avoid fines for early payment.

Since it will make your loan that is reimbursed in advance more expensive than others without those terms.

If you are not sure if a loan you are considering has those provisions, consult your loan agent.

Of course, if the only way you’re going to pay off the loan earlier than planned is by winning the lottery, you do not need to worry about this.

One last thing to think about before applying is whether you want to secure your loan against death, unemployment or both.

If you choose to ensure the loan against unemployment, make sure you fully understand the circumstances in which you will pay, along with the exemptions.

Compare prices

Now that you know what you want, you can start looking for the best loan.

So it’s time to compare several lenders who are willing to give you the money you need.

Since in this search you can save a lot of money.

Obviously, first you will see the annual percentage rate, but do not forget to verify those other characteristics that I mentioned above.

Prepare to apply for your loan

When you make a request, you will have to fill out a form with all your personal information, so it is a good idea to have everything prepared, so you can save time.

Start by gathering the documents that will probably ask you.

These may include current versions of some or all of these documents, and they are the following:

  • Proof of who you are: Driving license, ID, NIE
  • Proof of where you live: State of the mortgage, rent, utility bills
  • Proof of income: Payroll, bank statements, tax returns

The lender may also want more information, especially if you want a large sum of money.

It is very important that you prepare well before sending your loan application.

For example, it would be good if you created an appropriate email for a financing request, avoid things like … “”, maybe it would be good if you had your first and last name, for example … “”.

Also, do not forget that you need the telephone line to be in your name, this is important.



Having a bad credit history does not mean you can not get a loan.

It simply means that you will have to be a little more selective and take the time to find a suitable lender for you.

That is, to be transparent with respect to rates, as well as flexible terms.

As you have seen in this article, you may be able to get the money you need even though you are in a delinquency register.

You also have the knowledge where to get the loan with ASNEF.

Remember … Finding loans for people with bad credit history also means avoiding predatory lenders and common scams that can keep you stuck in a cycle of debt.