A mini loan is a short-term loan from a bank that has to be repaid within a relatively short period of time. The loan amount can be between 100 and 1500 euros and thus allow spontaneous purchases as well as the bridging of small financial bottlenecks to the next payroll. The maturities at Capitano are set at 30 to 60 days, within which the disbursed amount must be settled again.
What are the requirements for a Capitano mini loan?
The mini loan may be given to any person over the age of 18, who has permanent residence in Germany and receives a monthly income in excess of € 700. If you are interested in such a small loan, all you have to do is fill in and submit a pre-set application form, which is available online. Within 60 seconds the request will be processed automatically. A customer account is then activated, where you can upload all necessary documents to allow the approval of the application.
What can a mini loan be used for?
Basically, there are no contractual requirements for which expenses a Capitano online loan can be used. So you can decide independently what you want to do with the loan amount. The real idea behind the mini-loan is the quick bridging of a financial shortage: this can include paying the rent, settling small amounts of debt among friends, or mundane everyday expenses. Consumption expenditure, which are not absolutely necessary, like a new mobile phone or the purchase of the large 3D television, fall thereby not under it.
What happens if I can not repay my mini loan in time?
Life is sometimes unpredictable – something serious can get in the way that prevents you from repaying the mini loan on time. In this case, the very first step should be to pick up the phone to inform Capitano customer service and work with your individual agent to find a mutually acceptable way of finding a mutually satisfactory and mutually acceptable solution. As a matter of principle, a reminder with a payment period of seven days will be issued on the due date – if no payment has been received from your site. If this is not settled, a second, identical reminder will soon be in your mailbox. The same is true of the third reminder. In addition to processing fees, default interest will be charged from the due date. In this case, Capitano reserves the right to inform a credit information office about the late payment or to appoint a collection agency.
Who is Capitano?
The company Capitano is the first and to date the only provider of mini-loans in the country, which has a pan-European banking license. Capitano operates in Germany, Austria, France and Spain and, as a brand of Novum Bank, is a reputable provider of uncomplicated mini-loan settlements of up to € 1,500. A place in the top ranks at the prestigious Banking Check Award for three years now. a referral rate of 98 percent and the independent service rating of 4.7 / 5 speak for themselves. Capitano puts the principles of transparency, reliability and total customer satisfaction at the heart of its operations, with 24/7 service to customers.