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- Yksinkertainen, nopea ja joustava
- Ilmainen ensilaina, jopa 400 €
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Luotettava, edullinen kotimainen vaihtoehto
Vivus on vuonna 2009 aloittanut, luotettava pienlainayritys. Lyhytaikaisia pienlainoja myöntävä yritys myöntää lainoja myös monessa muussa maassa, kuten esimerkiksi Tanskassa, Ruotsissa ja Britanniassa. Vivus ei vaadi asiakkailtaan vakuuksia lainan ottamista varten.
Kenelle Vivus lainaa myönnetään?
Kuluttajaluotto myönnetään yli 20-vuotiaalle, oikeustoimikelpoiselle hakijalle, jolla tulee olla suomalainen pankkitili sekä osoite. Hakijalla ei saa olla luottohäiriömerkintöjä. Vivuksen lainaa voi hakea ensimmäiset kaksi kertaa ainoastaan yrityksen verkkosivujen kautta, mutta sen jälkeen lainahakemuksen voi tehdä myös puhelimitse. Kaikki hakemukset käsitellään joka päivä yrityksen aukioloaikana.
Kuinka paljon lainaa myönnetään?
Lainaa myönnetään 10 eurosta aina 2010 euroon asti, 1-30 vuorokauden maksuajalla. Luotonsaajan on mahdollista nostaa luottoa laina-aikana haluamansa määrän aina enimmäismäärään asti. Lainan nostomahdollisuus umpeutuu, kun laina-aikaa on jäljellä kolme vuorokautta. Vivuksen luotto on henkilökohtainen. Uutta kulutusluottoa voi hakea, kun aiempi laina on maksettu kokonaisuudessaan pois. Ensimmäisen lainan saa ilman lisäkuluja, eli ei korkokuluja, tekstiviesteistä tai käsittelykuluja.
Lainan laskutuspalkkio sekä korko määritellään jokaiselle lainasopimuksessa. Korko lasketaan todellisten korkopäivien mukaan, ja se lukee sopimuksessa.
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