Note! Visame.es is not a lending company. Visame.es offers limited pay-per-use access to comparative soft to ease the searching process of a licensed lending company.

If you have any questions about service, you can familiarize yourself with the Questions and Answers section or ask to our Support team.

The project picks out microloans for customers. It functions as an intermediary between a customer who wishes to take out a loan and a licensed financial institution. The Visame.es project is not itself a financial institution, bank or lender. It is not liable for any lending agreements that are concluded or for the terms of these agreements. The calculations are approximate. You will be able to view the final conditions on the website of the respective credit institution. In order to complete a loan application, you first need to read through the terms of service and complete a profile. The site uses cookies to provide you with services. You can configure cookie storage and access settings in your browser settings. The service is intended for users who are more than 18 years of age. The cost of services is regulated by the current tariffs. Payment for the services does not guarantee that you will get a loan. If the service is no longer relevant for you (you got a loan or no longer need loans), you can unsubscribe from the service yourself at any time - cancel your subscription.

Loan payment period and interest rates
Annual loan interest rate is 30%, maximum - 365%. Loan period is from 91 days to 2 years.

Example of online loan calculations

If you take out a loan for 300 euro at 4.5% monthly interest for 3 months, you will pay 45 euro extra by the loan due date. So, you will, in fact, pay 345 euro. See below for calculations of interests, so that you can figure out the amount of repayment (including interest) for average service users. Loan amount - 300 euro, monthly interest - 4.5%, loan term - 3 months. 4.5(%) * 3(months) = 13.5% for the 3 months (13.5% * 300 euro (loan amount))/100% = 45 euro (accrued interest) 300 euro + 45 euro = 345 euro is the amount payable in three months. In the event of overdue payment, the penalty is 0.10% of the amount daily, but not to exceed 10% of the loan amount. In the event that the payment is substantially overdue, information will be submitted to a credit rating agency. A loan extension may be granted if the creditor is informed in a timely manner (prior to the due date of the loan) and interest is paid for the initial loan period. There are no additional fees for a loan extension.

What happens if the loan is not paid off

In the event that a payment of the loan or loan interest is overdue, the creditor is forced to apply an overdue fee. These fees are applied if, for example, a bank transfer takes longer than usual. However if you do not respond for a long time, an overdue fee will be charged in the amount, on average, of 0.10% of the initial loan amount and, on average, 0.03% of the amount of consumer loans and credit cards. If you fail to comply with the terms of the loan, your information may be submitted to a credit rating agency, which may adversely affect your credit history and credit rating. The amount owed may be submitted to a debt collection agency for debt collection. A loan extension may not be granted if the amount is past due. When you pay your loan on time, you build a good credit history, which improves not only your credit rating but also your chances of better loan offers in the future.

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