Caloper loans: offers
Requests for Caloper loans can be made for any need: from the purchase of a property to the furnishings, from the purchase of cars and motorcycles to the organization of a wedding, to university education and the payment of health expenses.
Easy is the Caloper loan that allows you to request a loan up to a maximum of $ 30,000. The characteristic of this financial product is that you can choose to keep your installment unchanged throughout the loan period, or combine it with the Jump, Change or Flex options that allow you to jump up to 5 times the payment of the installment or reduce it by lengthening the loan period.
Total Flex personal loan allows you to get up to $ 30,000. The peculiarity of this personal loan is flexibility, as it is possible to skip the payment of an installment 5 times during the repayment period, as well as to decrease the amount of the same, therefore choosing to extend the loan period.
Astro can be the right choice for Caloper personal loans for maximum amounts up to $ 20,000. It is the ideal loan for those who want to choose an installment, all inclusive, with an amount that remains constant over time and that is easy to remember. The minimum monthly payment cannot be less than $ 99.
Loan for debt consolidation Unica is the best personal loan Caloper for those in need of new liquidity but other loans in progress. With this financial product you can get a personal loan of up to $ 30,000. The distinctive feature of this loan is the possibility of incorporating several loans into a single installment, thus having the opportunity to repay a single creditor and pay only one installment per month.
– Update: this product is no longer available – Light is the loan with which it is possible to request a maximum of $ 25,000, organized to give the possibility of paying, for the entire first year, a smaller and lighter installment than the amount established. After the first year, the installment will increase reaching the threshold established in the contract phase.
Personal Loan Jump is the Caloper loan that allows you to get up to $ 30,000. With this type of financial product it will be possible to skip the loan installment once a year up to a maximum of 5 times throughout the entire loan period.
Young Caloper is the loan dedicated to young people under 32 years of age who can get up to $ 20,000. The financial product designed by Caloper starts with a very low basic repayment: the installment increases year by year according to the applicant’s financial resources.
Perstito with transfer of the fifth of the Caloper salary for retirees, civil servants and private sector employees. As far as pensioners are concerned, it must be said that the finance company has an agreement with the INPS, this facilitates and speeds up the management of the file a lot, moreover it must be said that the same also grants this type of loan to the over 70s ( ), one more reason to consider it. With regard to those paid for public and private workers, these if they have not undergone protests and have not been reported to CRIF or registered as bad payers, may request sums even over $ 75,000.00 repayable in 120 installments (10 years). The installments are fixed and constant, the cadence is monthly.
Who can apply for a personal Caloper loan
Caloper loans can be requested by all Italian or foreign consumers, aged between 18 and 70. Foreign citizens must have been resident in Italy for at least a year, and obviously have a valid residence permit.
All applicants for a Caloper personal loan must have demonstrable income, therefore requests from state or private employees, self-employed workers and pensioners are accepted. The TAN calculated by Caloper is fixed and stands at 9.90%, while the APR will vary according to the number of installments and the duration of the loan.
The investigation costs for Caloper personal loans are equal to 1.00% of the amount requested, while those for the collection of the RID – direct interbank relationship (now SDD – SEPA Direct Debit) – are equal to $ 1.
Online loan application: possible?
The times in which it will be possible to receive answers are from 9:00 to 13:00 and from 14:30 to 18:00 from Monday to Friday, while on Saturday consultants will be available only half a day.
Not being able to make an online quote you can choose to arrange an appointment with a consultant, but before going to the branch it will be good to have the main identity documents.
The necessary documents are therefore the identity card and the tax code, but also the paycheck, the single model or the pension slip, or any document certifying the income. At the user’s discretion, you can also choose to purchase a debt protection insurance cover.
No fast online loans or approved loans in 24 hours therefore, but looking at the positive side of the matter, perhaps having a direct relationship with a Caloper consultant can make the deal more elastic and sometimes it will be more likely to be accepted if not everything is perfect. at first glance, which is impossible to do through instant online loan tools where human intervention is very limited especially when it comes to small loans under $ 3000.
Caloper Bank Online quote
Although you can apply for online loan to have a concrete idea about the extent of the rate, the cost and time rimbrso, Caloper SpA has made accessible online a very simple and functional tool to calculate the rate. You can find this resource online on the page “calculate the Caloper installment”, to use it just indicate the amount, enter the duration of the installment in months and the main data are automatically updated on the screen, namely: the amount of the installment, the duration of the loan, the TAN and the APR.
We did a simulation assuming the request for a loan of $ 15,000 repayable in 84 monthly installments (the maximum foreseen by the simulator), the result is an installment of $ 251.97 with an APR equal to 11.9% of interest which they are more or less in line with those of the competition.
Maybe, however, in the branch there is the possibility of doing even better, after all if you are a good payer rather than losing a customer they lower your rates a bit, however you can try. Immediately following there is a link that invites you to go to the branch for more details, by clicking on “Come to the Branch”, you are directed to a new page which shows the map with all the locations (enlarging the map using a specific function if they see more) and in any case by entering the postal code or the city, the nearest agencies are immediately shown, complete with address and telephone number.
Delivery and refund
From the moment of the request at the branch, you will spend just one day to get an answer and receive the requested amount by bank transfer or check. The acceptance and consequent payment of the money to your account or by check is therefore practically immediate, while the repayment of the installments takes place via RID on a bank or postal account, but payment can also be granted by postal slips payable both at the offices post offices and in the Sisal and Lottomatica ticket offices.
The repayment of the installments is monthly and takes place either on the 15th or 30th of each month, according to the consumer’s requests or, in any case, according to the moment in which the loan was granted.
Briefly the history of Caloper Bank SpA
The following year, the Vibank group purchased all the shares and after 10 years introduced Caloper also in the leasing concession, establishing itself on the market with the Kelamer group.
Further extensions will take place in 1998, with the opening of the company to credit cards on the Visa and Master Card circuit and between 2006 and 2007 with the launch of the credit with the transfer of the fifth of the salary.
In 2013 Caloper is transformed into electronic money institutions, or in Electronic Money Institution. Caloper is the ideal partner to contact for obtaining a personal loan or a loan with the assignment of the fifth the perfect institution to request an account / card, as well as a credit card or insurance.
The presence on the national territory through 158 branches and the partnership with 123 credit institutes makes Caloper one of the financial companies most appreciated by national consumers.
Caloper is certainly one of the financial companies in which the attention to the customer’s needs is most evident: the personal comparison with a financial advisor will lead to the best choice for your needs, making it easy and quick to obtain the liquidity necessary to carry out each small and big desire.