Astro Finance is a banking institution of the OneCashe group which, with respect to the rest of the group, turns in favor of certain customer targets. The typical Astro Finance customer is young, dynamic, inclined to operate mainly online, investing in stock markets.
With Astro Finance, therefore, OneCashe wanted to offer a certain slice of customers a series of products specifically designed for those who follow this line of thought; the concept common to most Astro Finance financial products consists in giving economic advantages to customers who are able to operate mostly online, reversing to them the savings that the company is able to obtain thanks to the automation of numerous processes.
Ask for loans with Astro Finance
As we said Astro Finance manages to offer its financial products at very advantageous prices. In fact, Astro Finance loans are aimed exclusively at current account holders, so the institution can automatically screen the customer requesting a loan by simply analyzing the movements of the current account in question. In general this is sufficient up to a certain amount of request, then in case of need Astro Finance may request any further income documentation in order to reinforce the practice. The actual request in most cases can be sent online via the home banking platform, leaving the customer the possibility to contact a highly qualified call center or, for the most loyal to the classic methods, go to one of the many branches that are emerging in Italy.
Astro Finance Personal Loan
The Astro Finance personal loan is a very interesting product. The maximum amount that can be requested is $ 30,000 and the maximum duration is 7 years (84 months). The request procedure does not involve any preliminary costs, no payment is made on the installment and Astro Finance does not require the purpose of the request, nor any further guarantee.
In this way the credit institution accepts or not the request based solely and exclusively on the customer’s true creditworthiness, avoiding sophistication and particularity (remember that the more the loans present commercially advantageous options, characteristics and features, the more the loan-related expenses increase same). With a fixed TAN of 8.95% and an APR of 9.69% you can simulate a request for $ 10,000 for a period of 48 months, the installment that comes out amounts to $ 248.61, for a total to be returned of 11.933, $ 28 ( to which you can add a $ 20 replacement tax; periodic communications fees: $ 0.95 each)
Astro Finance consolidation
Consolidation is an operation with which more and more people are becoming familiar. Drowned by several monthly installments or simply confused by the different maturities of the loans in progress, the applicants have the opportunity to pay off any current debt in favor of a single new loan, of longer duration, which leads to having a single maturity monthly with a lesser amount. The consolidation loan can be requested for a minimum amount of $ 11,000 and a maximum of $ 30,000. With a fixed TAN of 8.95% and an APR of 9.69% you can simulate a request for $ 11,000 for a duration of 60 months, the installment generated amounts to $ 228.08, for a total to be returned of $ 13,684.80 ( to which you can add a substitute tax of $ 27.50, sending periodical communications: $ 0.95 each).
Astro Finance also offers its current account holders the possibility of accessing credit through the use of credit lines. The credit lines that the institute has developed are of two types, differentiated according to the amount of the credit itself. For a credit that reaches a maximum of $ 3,000 Astro Finance has studied a very simple procedure.
Requesting it online is very simple, the minimum requirements are not prohibitive and offers an availability of $ 3,000, interest is calculated only on the credit actually used, in this way many customers can decide to activate the credit line to meet any unexpected expenses without have de facto expenses related to the credit itself if not at the time of actual use. For credit requests exceeding $ 3,000 up to a maximum of $ 20,000, Astro Finance’s credit needs a guarantee on the securities. This type of credit line can be very useful for those who love to operate in stock markets or those who simply own shares in the portfolio, putting this asset as collateral, the institution increases the credit up to a maximum of $ 20,000. The account holder maintains ownership of the securities and remains free to sell them without having to report to Astro Finance.
The official web page that can be consulted to receive these and other information, please consult the official Astro Finance web page.