Loan
with ASNEF
Regain control of your financial situation
What is a loan with ASNEF?
Regain control of your financial situation
Being on ASNEF is more common than it seems, as all it takes is a small missed or late payment to be considered a defaulter. In fact, companies can put you on these lists without notifying you, if they consider that a service or product is not being paid for properly.
That’s why many people and businesses end up on the lists of ASNEF (the National Association of Financial Credit Institutions). And this has several consequences for their financial life.
One of the most common consequences isnot being able to access financial products or loans from banks, since the person is considered high-risk for appearing on the ASNEF files.
But at Prestamo Capital we believe in second chances. We offer mortgage-backed loans even if you appear on these lists.
With a loan with ASNEF you can pay off your debt and its interest, and so regain your good financial reputation so it doesn’t cause you problems in the future.
Our loans adapt to your financial needs. And we guarantee we won’t impose extra conditions because you’re on ASNEF.
“I’m on the ASNEF list and I need a loan”
Unlike other lenders and banks, at Prestamo Capital it doesn’t matter if you’re on ASNEF. You can still access our mortgage-backed loans. Even if you have debts with other companies, if you put up a property as collateral you can borrow money from us.
Use a private capital loan to pay off your debts and remove your name from ASNEF. This way, you’ll repair your credit profile and be able to enjoy the various financial benefits and products again.
How do I get a loan with ASNEF?
At Prestamo Capital we won’t take into account whether your name appears on ASNEF. We’ll still give you the financial help you need. With just a property in your name, proof of stable income and your DNI you canaccess private capital loans to pay off your debts.
We offer mortgage-backed loans that adapt to each client’s requirements. Throughout the process, you’ll be supported by our team of professionals, who will advise you on the best course of action in each situation.
€20,000 loans with ASNEF
We have a team of professionals from the financial and legal sectors who analyse each case free of charge and on a personalised basis.
€600,000 loans with ASNEF
You can repay our loans in comfortable instalments, from 10 to 20 years depending on the final amount.
€15,000 loans with ASNEF
Once you send your application to Prestamo Capital, you’ll receive an answer in less than 24 hours from our team.
€300,000 loans with ASNEF
To determine the loan amount we take into account the property’s value and your income. That way we can offer a financial solution adapted to your particular situation.
Why choose our loans?
Answer within 24 hours
Our team of managers will contact you in less than 24 hours to start the process.
Flexible conditions
Choose the repayment terms that are most comfortable for you, from 10 to 20 years.
With ASNEF or RAI
It doesn’t matter if you’re on the defaulters’ files; you can still access a loan with ASNEF.
Recover your finances
With our ASNEF loans you can get off these lists and recover your financial reputation.
“I need a loan to pay off ASNEF” – Frequently asked questions
What are the reasons for being on ASNEF?
The ASNEF list includes people who have a debt with a company or bank. There is no minimum amount to be included in ASNEF, so any missed payment, however small, can lead to being added to these files.
But it’s important to bear in mind that the company must meet certain requirements to put a person on ASNEF, such as:
- Proving that there is a debt that is already overdue.
- Requesting payment of the debt from the user before adding them to the files.
- Less than 6 years having passed since that payment was due.
How can I check whether I’m on ASNEF?
Fortunately, finding out whether you’re on ASNEF is very simple: you can check on their website website free of charge. Also, if the process has been carried out legally, you should receive a notification from the company within the first 30 days.
What do I need to apply for a loan?
As we’ve mentioned, at Prestamo Capital it doesn’t matter if you’re on ASNEF; our conditions will always be the same. To apply for one of our loans we require a property as collateral and proof of stable income. With this information, the team will assess your situation and reply within 24 hours.
Can I get off ASNEF with these loans?
There are only 2 ways to get off the list: paying or letting the years go by. In the case of ASNEF, a debtor can stay there for 6 years, after which they are removed automatically, although the debt will still be outstanding.
If you don’t want to pay because you think the claim is unfair or incorrect, you can dispute it. This is your right as a consumer, but you can also simply wait for the stipulated periods. Another option for getting off the files is to pay the debt with the help of a mortgage-backed loan.
This is undoubtedly the fastest way to remove your name from ASNEF and recover your financial reputation. With Prestamo Capital you can get the money you need to settle the debt and its interest. After payment, you must notify the company and send the receipts so they remove you from the defaulters’ files.
Will my interest be higher because I’m on ASNEF?
Many financial institutions and banks charge higher interest or refuse to grant loans to people on ASNEF. But that’s not the case at Prestamo Capital.
With our loans, we require a property in your name as collateral so we can offer more flexible and broader financial products. If you have a property free of charges or with a small outstanding mortgage, that’s enough to grant a loan with ASNEF. At Prestamo Capital we believe everyone deserves a second chance.
