400 euro loan (with and without Nigerian Financial Authority) [2020]

Loan or credit of 400 euros. Where to hire it?

If what has brought you to elmínerorapido , is to inform you about where and how to get four hundred euros , we are happy to point out that you have been right.

Consult our comparator (below these lines) and choose the one that best suits you. We include important data, such as if they grant 400 euros while in Nigerian Financial Authority or the grant time.

  • Quantity: From € 100 to € 1,000
  • Return period : From 5 days to 30 days.
  • Approximate concession time: 10 minutes.
  • Free first ?: YES
  • Do you accept Nigerian Financial Authority? : YES

Requirements : Age between 18 and 80 years. Reside in Nigeria. Be the owner of a bank account. Proof of regular income (payroll, benefits, retirement, self-employed, etc).

Stands out in : Very fast. They offer fast loans with Nigerian Financial Authority and without endorsement. Possibility of obtaining the first mini-credit without commissions.

  • Example: € 300 for 30 days would have a cost of 0 euros, thanks to its promotion of free fast first mini-credit (without commissions)
  • Quantity: From € 50 to € 1,000
  • Return period : 30 days (for 0% interest) or in monthly payments.
  • Approximate concession time: 10 minutes.
  • Free first ?: YES
  • Do you accept Nigerian Financial Authority? : NO

Requirements: from 25 to 70 years old. Residence in Nigeria. Have no debts that are listed in Nigerian Financial Authority or RAI. DNI or NIE documentation.

It stands out in : The Ferratum Flexible Credit offers the first application up to € 500 without commissions (with a return period of a maximum of 30 days). It has alternatives to pay in monthly installments.

  • Example: a flexible credit worth 500 euros to be reimbursed over a period of 30 days will cost € 0 (without commissions).
  • Quantity: From € 50 to € 750
  • Return period : From 1 to 30 days.
  • Approximate concession time: 15 minutes.
  • Free first ?: YES
  • Do you accept Nigerian Financial Authority? : YES

Requirements: from 18 years old. Ownership of the account in which the loan will be received. Proof of regular income. DNI or NIE. Reside in Nigeria.

It stands out in : It is an online loan search engine that helps us compare different offers in just one click. It supports annotations in delinquency lists.

  • Example: to consult, since it is a credit comparator that facilitates the search for the best offer.
  • Quantity: From € 50 to € 500
  • Return period : 15 to 30 days
  • Approximate concession time: 60 minutes
  • First free ?: NO
  • Do you accept Nigerian Financial Authority? : YES

Requirements: from 18 years. Residence in Nigeria. DNI or NIE. Proof of income. Bank account number.

It stands out in : financing with little paperwork and that also does not take into account annotations in Nigerian Financial Authority or RAI.

  • Example: for a mini-credit of 150 euros to be repaid for 15 days, you will pay 40 euros in commissions (190 euros to be returned).

On credits of 400 euros

A loan of € 400 is an amount that could be defined as "average" , within what clients of private online finance companies usually request.

It is a versatile figure that can help us both to cover a bill at the last minute or to carry out an urgent repair at home. However, as with any other service associated with financing, it requires some foresight when scheduling your reimbursement given that, as it belongs to the mini-credit sector, it is customary to pay in a single installment within thirty days.

Crédito 400 euros

For the rest, it has all the advantages that characterize the sector and that have helped it achieve the popularity that it currently has: speed, simple and affordable procedure in which it is not necessary to provide just documentation along with receipt of the money snapshot.

Loans and credits of € 400: key information that you will find here

Créditos de cuatrocientos euros

If you have come to our page because you are looking for a loan of four hundred euros, you are interested in knowing all the basic details related to your hiring.

The first and most important thing is that we can currently obtain a loan for this amount on various platforms.

We offer you a selection of them in our comparator (which you can find above)

The following is that despite the fact that each of these entities offer you this amount of money, they have several different characteristics that make analyzing and comparing them essential.

Thus, we have options to obtain 400 euros without taking into account annotations in lists of defaults, without having a payroll or without a guarantee or endorsement. And, in addition, with all the speed that characterizes the fast financing sector.

What else do I need to know?

In any case, whether you intend to get an urgent loan of four hundred euros , 500 euros, or more than 1000 euros, remember that the offers offered by managers change a lot.

For this reason, our recommendation when choosing will always be that you compare and take into account both what you need and the alternatives offered by the platforms.

Today: I need 400 euros urgently

For example, if it is your first mini-credit, of this new product called Quick Microcredits , you can get up to 300 euros and that, in addition, they will be lent to you without interest. This is the case of the "first free" promotion, which some finance companies launch from time to time.

Obviously, this is not done by almost any entity, it is an offer limited to first requests and focused on attracting new customers, in order to become known as a brand and that, if the customer needs money again, they can count on them, as their personal credit line.

Of course, we can also find this commission-free service on platforms that offer us loans of four hundred euros.

What if I want 400 euros with Nigerian Financial Authority?

There are even more options, such as those that you can find on platforms that grant urgent loans with arrears, for those who are included in files such as Nigerian Financial Authority or RAI.

It is another of the great differences, with respect to what traditional banking had us used to: The possibility of obtaining loans in which delinquency is not taken into account.

These are known as online mini-loans with Nigerian Financial Authority.

There are many people who, even being present in this type of list, have been able to get hold of a small amount of money, such as the 400 euro credit that they have brought to us , thanks to the fact that now, with the Internet, this is possible .

The time savings that we can obtain by comparing between platforms and choosing the ones that best suit our needs is enormous since this way we will avoid processing requests that go nowhere, going directly to those that are focused on people who share our profile.

Simply make sure that you meet all the requirements that the entities ask for and choose between those that serve you, quickly and without having to answer too many questions.

"I need four hundred euros urgently"

Of course, if you think about applying for a microcredit because you need 400 euros urgently , remember to read the conditions of the microloan once you have decided which is the platform on which you will process your application. In this way, we avoid encountering surprises midway.

These conditions are usually included in the main menu of the websites of the credit companies that we compare for you.

As in any other management related to finances (and much more if we are talking about applying for a loan) it is essential to know all the requirements and inform us with security to know in depth what we are signing.

It is not the same to request from a serious entity that, for example, fast loans without endorsement between individuals, which will really depend a lot on each independent lender. We recommend that you never borrow money from entities or individuals that do not inspire confidence in you.

For this reason, we recommend you take a look at our comparator, where you can quickly see the main key points of each of the platforms.

If you still want to know more about this topic, we have prepared for you a compendium of the frequently asked questions that our users ask about mini-credits. You can read them in this link.

Quick 400 euro loans: why time also matters

We have already talked to you about how the Internet has changed the way in which individuals access financial services; Something that also applies, of course, to quick loans of four hundred euros.

The most common thing when we need a loan for these amounts of money is that it is some kind of urgency or unforeseen event that we had not taken into account in our monthly budget . Calling the plumber for an urgent breakdown or changing an appliance at home are situations in which the amount of time it takes us to have the requested amount in our hands is decisive.

It is for this reason that the financing that moves within these small intervals usually offers immediacy in the income of the money once our application has been approved, in order to be able to have the loan entered in the lesser amount of minutes than may be possible.

Thus, if we are looking for a quick four hundred euro loan, we must pay special attention to the banks with which the platform we have chosen to process our application works.

If we have a checking account hosted in the same entity as the financial one, the money transfer will be made in a matter of minutes.

On the contrary, if it is about accounts that belong to different banks, it could take 48 to 72 hours to have our four hundred euros, since this is the time interval in which transfers between different entities become effective banking.

How to get the money by processing my application through the Internet?

If you want to know how to get four hundred euros in any of the platforms that you can find in our comparator, we will tell you step by step how the application process works.

The Internet financing sector stands out for offering a fast service, which does not require excessive documentation and which becomes effective, in the vast majority of cases, in record time.

To do this, we simply need, in the first place, to compare to find the financing that best suits our profile as an applicant.

If we analyze the main characteristics of the platforms that offer us the range of money that we are interested in obtaining, we will be able to refine and find the one that offers us some requirements that are more beneficial to us . Being able to obtain a loan even with annotations in files associated with defaults or being able to enjoy our first credit of 400 euros without having to pay commissions, are some of the advantages that we will find comparing.

Once we have chosen the entity that suits our requirements we will have to:

  1. Access your website
  2. Enter the amount of money to request and the return period
  3. Fill in the online form with our personal data
  4. Add the necessary documentation (normally, it is our ID, proof of income, and a bank statement to verify both the account data and that we are its holders)
  5. Wait for confirmation from the platform
  6. Receive money income

As we can see, getting a loan of € 400 through the entities that operate on the Internet is a quick and simple process that does not require investing, approximately, more than 15 minutes.

How to get 400 euros in a safe way

It does not matter in the year in which we may be, the firewalls and antivirus that we may have, we always end up having some insecurity when it comes to hiring or buying a product online. Either some clothes or cheap loans.

From the El Dinero Rápido team, we advise you to always study those entities that are reflected in our official comparator. In case you have a good offer from another entity, compare it and always read the fine print. Because in many cases, the problems can come from there.

Although most of the scams that exist on the Internet are controlled, we advise you to read some security tips like these so that you can stand up to possible frauds that are tried to be done from the Internet.

Do I need some kind of guarantor to request four hundred euros?

It is possible that the greatest advantage that microloans offer you is precisely their " micro " nature, which makes it possible for loan finance companies not to ask for some kind of guarantee from the applicant, beyond payroll, pension, unemployment benefit, or any monthly income that comes from an official and justifiable source.

Except in the case of loans guaranteeing with the car, which logically allow us to take out larger loans, the other urgent loans are without collateral, always remembering that we are referring to small amounts, as is the case of the one we occupies today: 400 euros.

About the author

Julie Williams Smith

Autor Julie Williams Smith. Especialista en finanzas feminaust.orgWriter specialized in financial products and passionate about the internet. I create content that seeks to help users and keep them informed, with honesty, truthfulness and ethics. I graduated from the Polytechnic University of Lagos.

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