Carrefour is a well-known firm and its services also include financial services. Let's go deeper into the subject. This French multinational has more than 16,000 establishments.
All the information about Carrefour Loans
Financial services began in his case with cards similar to credit cards, which are used exclusively in establishments and where payment can be postponed. The fact is that Carrefour has evolved and now they are also present in the insurance sector and, as we said before, in personal loans.
Carrefour Personal Loans
In Carrefour personal loans the maximum amount is 30,000 us dollars and when applying for them they are quite affordable. We all know Carrefour as one of the main distribution chains in our country, which allows negotiating with a financial company and obtaining the most advantageous conditions.
Actually, behind these commercial credits there is always a financial institution behind. Carrefour uses this entity when granting financing for its products . This helps to promote consumption in your stores. We are facing an interesting option for users.
In this class of loans, the seller of the products is the one who bears a percentage of the financial costs when offering customers more competitive conditions.
As is logical, with the high volume of clients that Carrefour has, it has access to much better conditions. This is called economy of scale and is used by the end user or customer.
Requirements for the Carrefour loan
To obtain the loan we must be holders of the pass Visa card , belonging to Carrefour. The card has a credit associated with the maximum amount of 30,000 us dollars that we talked about before.
The terms when repaying the loan are a maximum of 84 months , giving the possibility of contracting an insurance that can cover the amortization of the loan that is requested.
These operations are carried out independently of those carried out by banks. Therefore, it is not necessary for banks to intervene or to change banks. This means that, as we said, non-bank credit entities do not intervene, making charges to the account that the owner decides.
Documentation that is required
- These financial operations are of rapid approval, reason why the solvency reviews of the entity are reduced and without cost. Therefore, the following documents must be carried out and must be delivered:
- Justification in bank document where you can see the account number
- 2 last payrolls as well as the income statement
- If you are self-employed, payments to the SS or receipt of self-employed
- A document that justifies the last pension that has been received, in addition to the income statement
It can be seen that the documentation requested is aimed at proving the financial income of the loan applicant. Everything is closely linked to repaying the loan.
We are facing a documentation that is normally carried out to know the income capacity perceived by the applicant or applicants for the loan.
Normally the requirements that they ask for when applying for the loan are not as great as when we talk about financing by a bank. From the entity what they try is to facilitate access to credit for their customers, an option that makes it very important to consider due to its great advantages.
We can say that it is an easy and fast loan , similar to that offered by many companies that are dedicated to the microcredit sector, although they have significantly better conditions than these.
Carrefour loans How long do they take?
When it comes to knowing how long they have to grant Carrefour loans , the most important thing is to provide the documentation they ask for.
Having the Visa Pass Carrefour card is easy and we can get it for free at any of the brand's many supermarkets, both by phone and online. The fact that they only ask for the DNI, a receipt and a bank receipt, means that we do not consider that they ask for few requirements and that they are granted in a short time, although that does not mean that there are loans denied in some cases.
It must be remembered that personal loans do not stop being a business, because nobody lends money in exchange for nothing, so before making a contract it is advisable to compare conditions to see if they are adapted to our specific circumstances.
Carrefour loans simulator
In the Carrefour loan simulator , the application is filled out and you can find out the conditions to get the money you are looking for. They ask you the following questions:
How much money do you need?
During how much time?
Then you have to insert your name, first and second surname, email address and mobile phone number.
Knowledge of the information on the processing of personal data must be declared. A practical way to calculate the loan payment in Carrefour and the letter to be paid each month in Carrefour personal loans .
The simulators are a good formula that allows users to make their own calculations, with which they only have to enter the amount of the personal loan they want for the years in which they want to return the money and the interest to be paid, where the simulator It automatically informs of the bill that has to be paid each month, showing the detail of the capital and interest in each of the installments.
Having good conditions in these personal loans, allow this company, as well as others in the field, to obtain greater income and also facilitates access to better conditions in the loan application for its clients, so it really everyone wins. Of course, it is always advisable to look at the conditions in other entities, but they usually have competitive advantages that are worth taking into account.
Table of Interest Conditions of Carrefour Loans
|Maximum Amount:||up to $ 30,000|
|Maximum Amortization Term||96 months|
|Fixed Interest Rate||-|
|Loan fees||no opening commission|
Customer Service Phone at Carredour
The best option to request a personal loan at Carrefour is to visit one of its shopping centers. In each center, they have a Customer Service Department where they can take the data and pass it on to the Pass Carrefour finance company.
However, you can also make the request online on your own website www.carrefour.es inserting all the data that you are asked for, both personal name and surname and economic, what you earn, and your bank account.
If you have any questions, you can also call the customer service telephone number: 902 103 285. Since this telephone number is 902 and it has a cost in calls because it does not enter the flat rates that we usually have contracted, we inform you of the possibility of calling the Free Telephone of Carrefour Pass 914 689 194 that being a fixed number, if it is free when we have contracted a flat rate for calls to landlines and mobiles.
Other Banks To Request Personal Loans
If the aforementioned bank does not grant you the loan or the conditions they offer do not interest you, you can request the money at any of the following banks that we analyze and compare:
- Abanca Personal Loans
- Kutxabank Personal Loans
- Unicaja Loans and Credits
- Request Loans in Ibercaja
- BBVA Personal Loans and Car Credit
- ING Direct nline loans
- Bankia Personal Loans
- Caixabank Online Loans and Credits
- Banco Santander Personal Loans
- Banco Sabadell Personal Loans
- Bankinter Personal Loans
(1) Petition in " Carrefour Loans "
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