Monthly Archives: July 2019

Instant online payday loans- Information about payday loans immediate cash

Discover more information about payday loans immediate cash 

Applying for payday loans immediate cash has many advantages, starting with the simplicity, practicality, and speed of the operation. You may try for free today. This only requires a few minutes of your time, and in the same way, you get an answer in record time, without having to move.

Availability is also an important asset: online time slots are wider than those of traditional advisors, depending on physical banks. This, besides you, can send your loan request 24/7! 


Why apply for a loan at Benner?

Financing a new car, repairing the washing machine or preventing a future need for cash are all reasons to contact Benner to apply for your credit. In addition, applying for a loan at Benner is choosing speed, simplicity, and security.

On the one hand, we propose you to obtain an immediate answer in a few clicks, then to send us your complete file in a few minutes. On the other, we offer a 100% online experience, from your request to the electronic signature of your contract, through the transmission of your documents. In addition, our credit offer is 100% depreciable.

Of course, we are here to guide you step by step in this new experience and answer all your questions.

Credit Application: What type of loan can I buy at Benner?

Depending on your cash flow requirements, Benner Credit offers, as part of your online credit application, 2 major types of fixed APR loans (annual percentage rate of charge):

– Consumer credit: it includes several forms of credit affected or not, such as personal loan, car loan or work loan.
– The redemption of credit, also called loan consolidation: it consists of bringing together several loans of a different nature in one, in order to review the monthly payments and the declining APR.

In addition, Benner Credit does not offer a professional loan, credit exclusively reserved for professionals (liberal professions, artisans, traders, farmers, very small businesses, auto entrepreneurs, associations …) that can meet different needs (equipment, real estate or cash ).

Note: What about revolving credit?
Revolving credit, or revolving credit, is also part of consumer credit. Nevertheless, Benner Credit does not include it in its offers. The reason is simple: it is non-amortizable and its interest rate is variable (in addition to being particularly high), making it a very risky financing solution for borrowers.

Precautions to take before taking out a loan

Before you even apply for credit, it is essential to consider several parameters. First, your borrowing capacity, and by extension, your ability to repay. To evaluate it, you need to deduct your income from your expenses and other current expenses.

It is also highly recommended, in order to avoid heavy commitments, to use a simulation tool. This one will allow you to appreciate the APR. This is the second crucial point to check before applying for a loan. This famous rate includes interest as well as all credit charges. A simulation will allow you to effectively compare the different offers of credit and to assess, in its entirety, the amount of the reimbursement associated with each offer. 

Another important criterion is the guarantees offered by the credit institution or the bank in terms of insurance, if applicable. Because from one institution to another, these are variable. The same is true of the amount of the insurance premium. Note that insurance, although very useful in some situations, is optional. You can also contact the insurer of your choice. 

Before you apply and build your loan file, finally take the time to analyze the provisions provided by the credit institution in case of early repayment (penalties or not).

Who can apply for credit at Benner Credit?

In order to be able to borrow at Benner Credit, you must be at least 18 years old and not be over 80 years old. You must also reside in Metropolitan France: we are not yet present in Corsica or in the DOM / TOM. In addition, you are asked for some stability in your income. Finally, you must not be registered on any of the incident files maintained by the Banque de France (FICP or FCC).

If my credit application is pre-accepted, what happens?

Once your application for credit at Benner pre-accepted, you will have the opportunity to directly sign your contract online through the electronic signature. You will then need to send us your supporting documents by downloading them in electronic format or choose to connect your bank account with ease and security: you will save time and save paper.

Upon receipt of your complete file, we will study your file and can give you answers within 24 hours *

Whether your need for money is low or high, Benner Credit has a financing solution tailored to your profile. Do not hesitate to apply for credit on our platform: a few simple steps are enough to set up your project!

The three key points to remember about the credit application

  • At Benner Credit, two main types of requests can be formulated according to your project and your needs: credit redemption and consumer credit (eg car loan, personal loan …). All have a fixed rate.
  • Dangerous, the revolving credit is not part of our offers.
  • Upon pre-acceptance of your credit online, you will need to sign your contract and send your receipts electronically or connect your bank account.


I need money in 24 hours, how can I?

“I need money in less than 24 hours, but it’s impossible that I can!”

Probably that was what went through your mind when facing an emergency situation that caught you totally unprepared. Obviously, to deal with it, just getting the money.

But before taking the wrong steps, the good news is that it is possible to get money in less than 24 hours.

Technology will be your main ally in this quest. As? Continue and reading and get out of the grip.

I need money in 24 hours, how can I?

I need money in 24 hours, how can I?

With the financial market offering new technological possibilities, you do not have to be in despair! Online personal loan is an excellent alternative to getting credit in just one day.

By being online, from the request to the probable approval, the process becomes less bureaucratic than asking for a loan at a bank, which makes online personal loan the ideal solution for you.

Want to know what are the steps to get an online loan? Let’s explain.

Want to know what are the steps to get an online loan? Let

Taking as an example the Financial Group , access the automatic calculator to make a simulation of the amount that you want.

The result will tell you what the value of your parcels will be and how much time you will have to pay them.

Consider if the proposal is undeniable, and if so, confirm the request by entering your personal information: name, CPF, address, contact and bank account.

Do not forget that it is indispensable to use true information .

Do not forget that it is indispensable to use true information .

  • Do I need to submit bank details when applying for a loan?

If you have questions about the security and transparency of the service provided, be sure to research more about the company.

Here we have a special article thinking about the safety of our customers.

When the credit analysis step is completed, within a few minutes you will receive an email informing you if your request was accepted or not.

If so, you will finally receive the money in your account within 24 hours (according to banking hours).

Why is it so fast? It’s safe?


We imagine that of course you must have asked yourself this. And yes, it is safe.

Your bank details are required for the company to see what your account status is, but it is unable to perform transactions.

The status is nothing more than your credit score, punctuation that shows what your relationship with money is, whether you are good payer or not.

This score is linked to the CPF of every citizen, and it can vary, increasing as the consumer pays their bills on time, and decreasing otherwise.

That way, the company will know if they should trust you, and if all else says yes, the money will fall into your account very quickly!

Here at the Financial Group blog we have some articles on how to apply for a personal loan online safely, take a look and avoid falling into scams!

Renovate, refurbish, modernize – how does the financing differ?

Repainting the façade, repairing the leaky roof or insulating the exterior walls – for most homeowners, work on their own home will sooner or later come to their aid. In everyday life, the terms renovate, refurbish and modernize are often used interchangeably. But what exactly is the difference now? In order to finally find the right support for your project, you will learn in our blog post today how the three terms differ and what this means for your financing .

Renovate – beautify the home

Renovate - beautify the home

The living room can once again tolerate a new color and the painting of the window frames also needs a refresher. Optical beautification measures such as these fall under the term ” renovate “. Here, work is done that is not absolutely necessary, but primarily helps to make you feel better in your own four walls. Reason for this are usually wear and tear or the personal desire for change. Renovation works are also referred to as beauty repairs and can usually be done by any homeowner himself . These are simple works that do not require expert knowledge.

Typical renovations include:

  • Painting work, such as re-painting the facade or room walls
  • Replacement of the flooring
  • Wallpaper the walls

Refurbish – repair damages

Refurbish - repair damages

In contrast to the renovation, major damage to the house is eliminated during renovation. A repair repairs defects and restores the original condition of the building. Renovation is synonymous with the term ” repair “. For home improvements, inexperienced homeowners often need technical assistance , as the work is more complex and difficult than simple renovation. The elaborate work requires some of the intervention in the fabric of the house. Calling in experts is highly recommended here as they can help with their many years of experience and expertise, without causing any errors or further damage.

Typical refurbishment works are for example:

  • Elimination of mold
  • Replacement of defective water pipes
  • Repair of a leaky roof
  • Removal of pollutants like asbestos
  • Draining a cellar

Modernize – bring up to date

Modernize - bring up to date

Modernizing is about bringing your home up to date with a variety of measures. There must therefore be no serious damage for this. Modernization work should adapt the building again and again to the contemporary structural standards and also increase its utility value . So you can sell your modernized house more expensive than a house where only the bare necessities have been repaired for years. In addition, owners who regularly modernize their home can save costs, for example in the energy or water sector.

What includes a modernization is specified by law in §555b BGB. Accordingly, modernization measures are structural changes that must meet one of the following criteria:

  • Energy can be saved sustainably
  • Non-renewable primary energy (eg oil, coal, natural gas) can be saved or the climate sustainably protected
  • Water consumption is sustainably reduced
  • The general living conditions will be permanently improved
  • The utility value of the property is increased
  • The measures must be carried out on the basis of circumstances which the landlord is not responsible for and do not constitute conservation measures pursuant to 555a BGB
  • It will create new housing

Typical modernization works are for example:

  • Insert heat protection window
  • Replacement of a heating system – installation of a modern, more efficient heating
  • Modernization of the electrical system – installation of a smart home
  • Insulation of roofs or exterior walls

As a rule, modernizations are carried out on a voluntary basis. However, there are also modernization measures that are required by law . These include, for example, certain fire safety regulations that must be complied with.

Renovation, renovation, modernization – promotion and financing

Renovation, renovation, modernization - promotion and financing

To finance the renovation, refurbishment or modernization of your home, you can, for example, receive renovation or reorganization loans from some banks, as well as traditional real estate loans. These are regular installment loans, but these are earmarked. This means that the borrower can not freely decide what the loan will be used for. The bank has previously agreed to a loan agreement with a specified purpose. In return, the loan is cheaper than a normal installment loan.

Funding by Bank

The development Bank also supports refurbishment and modernization with various subsidy programs. It offers funding for energy renovation and age-appropriate conversion measures.

Bank promotional products:

  • Energy Efficient Refurbishment – Credit: Credit for an energetic partial or complete renovation of living space or the purchase of refurbished living space.
  • Energy Efficient Refurbishment – Investment Grant : The grant may be from private owners for an energetic renovation of living space or when buying refurbished living space.
  • Energy Efficient Refurbishment – Subsidy Construction Supervision: Grant for qualified construction supervision by an independent energy efficiency expert.
  • Energy efficient refurbishment – fuel cell subsidy: subsidy for the installation of stationary fuel cell systems in new or existing buildings.
  • Age-appropriate Rebuilding – Credit: Credit for renovations that promote living comfort or protect the house from burglaries.
  • Barrier Reduction – Investment Grant : The grant is intended to help private individuals to convert their home barrier-free and thus to increase living comfort.
  • Burglary protection – Investment subsidy: The subsidy promotes measures to protect a building against burglaries.

These products can also be used for modernization measures. Bank also supports the conversion of a home into a smart home with loans or grants. For this one can use either the financing offer “age-appropriate conversion” or “energy-efficient renovation”. With smart optimization , lighting and heating systems can be individually and energy-efficiently controlled.

Bank offers a number of loans and subsidies, especially in the area of ​​energy efficiency in refurbishments and new buildings. If you want to learn more about sustainable building , read our blog post on Green Buildings.


Find the right funding

In some cases it makes sense to combine the Bank promotional products. For example, if you want to refurbish both energy and barrier-free or you want to make your home burglar-proof, you can use the loans “energy-efficient renovation” and “age-appropriate conversion” together.

The funding measures in the field of ” Energy Efficient Refurbishment ” are:

  • Insulation of exterior walls and sunscreen
  • Renewal of the windows and sunscreen
  • Installation or renewal of a ventilation system
  • Insulation of the roof surfaces and the basement ceiling
  • Replacement of the heating
  • Installation of a photovoltaic system or a solar thermal system for the roof
  • Energetic specialist planning and construction supervision

The loan promotes the following measures in the areas of home comfort and burglary protection:

  • Wide paths and age-appropriate parking spaces
  • input ranges
  • Overcoming stairs and steps
  • Optimized room layout
  • Construction of a balcony, a loggia or a terrace
  • Remodeling of the bath
  • Intelligent assistance systems
  • Support from housing consultants, architects or craftsmen
  • Installation or retrofitting of doors
  • Securing windows and balcony and patio doors
  • Illumination of windows and doors
  • Installation of alarm systems
  • Installation of wide-angle spies, intercoms and video cameras