Gather all the required documentation, go to the bank with it, realize that we are missing documents (a classic), have to request them from the corresponding organization or company, return to the bank, deal with abusive clauses, wait days to obtain an answer… Requesting a loan is, without a doubt, one of the longest and most tedious processes that we end up going through sooner or later when we need immediate financing, both for personal and family projects.
If before the pandemic we already knew that time is gold (or rather, rhodium, currently with a much higher value than gold), the great dress rehearsal that confinement meant to buy or do some online banking operations became a paradigm shift in consumer behavior.
Between the end of 2020 and 2021, the percentage of frequent users of electronic banking went from 66% to almost 70%, that is, currently, seven out of 10 Spaniards frequently access banking services through the online channel, according to Funcas .
Although the banking sector has advanced these two years in digitization, there are still certain operations for which attendance is required, with all the inconvenience that this entails, such as the one we mentioned when requesting a business loan or personal loan. In the same way that from the sofa at home we buy sneakers, a book or headphones online, why not also be able to obtain financing to renovate the house, buy a motorcycle or a new or second-hand car, change the decoration of our apartment or pay for our studies, in Spain or abroad?
“In just a few minutes and in just five steps -simulator, personal identification, solvency, signature and deposit of money into the account- you can request a loan or credit from €500. The latest technological systems that we have incorporated in biometrics, for the recognition of people at a distance, and in financial solvency, so as not to have to attach additional documentation, provide a real-time response from anywhere and from any device”, says Anna Golsa, director of Digital Business Experience of Cofidis.
The alternative entity to banking, which is a specialist in granting loans and credits, has just implemented these new technologies so that becoming a Cofidis customer requesting a loan is easier and safer, in addition to having increased the amount of your credits or loans personal – and without ties – up to €60,000. To protect our financial health, on the other hand, from its own website, we can calculate what would be the maximum amount to request and what fee would result, thanks to a credit simulator.
Once the simulator has been tested, which will tell us instantly if our credit or loan application is viable, we can request a free study, for which we will only need to provide our personal information. Once the process is complete, we will get a response within a maximum of 48 business hours. The next step will be to sign the contract and send the requested documentation. If our request is approved, we will receive the transfer in our account within 24 business hours.
“The launch of digital onboarding, the extension of the amounts of our personal loan up to €60,000 or the launch of InnoLab -the digital innovation hub of the Cofidis Participation Group, a space for the creation of innovative projects with an impact on society- , are some of our digital transformation commitments for our clients. We want to continue counting on their trust after 30 years in Spain and for being, for the eighth consecutive year, the company chosen as the best Customer Service in the Elsa contest”, adds Golsa.
