Top 7 công ty vay tiền trả góp theo tháng chỉ cần CMND/CCCD uy tín

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Borrowing money with monthly installments just need ID card is a quick and easy form of borrowing money, you can receive money right after a few hours. If you are in need of knowledge about this loan package, as well as wondering where is a reputable address to “choose to send gold”, please follow the article below.

1. What is a monthly installment loan with just ID card?

Borrowing monthly installments with just ID/CCCD is a widely used financial service provided by banks and credit institutions. This is a quick and easy way to get a loan. People only need to have valid ID card or CCCD to apply for a loan without having to do many complicated procedures like traditional loans.

When reviewing loan applications, financial institutions will use the information on the customer’s CCCD/ID to determine the appropriate loan amount and ability to pay. In addition, the advantage of this service is that the approval and disbursement time is very fast, so we save a lot of money and time. However, people should research deeply about the regulations and conditions of each financial institution before taking out a monthly installment loan, just need ID card so that there is no problem.

2. Conditions for monthly installment loans only need ID card/CCCD

To borrow money installment monthly, just ID card does not require too complicated documents. However, you need to note a few installment loan conditions below.

Conditions for monthly installment loans only need ID card/CCCD

• Borrower is a person living and working in Vietnam.
• The age group of borrowers ranges from 18 to 60 years old.
• Being a worker with a stable job and income, at least VND 2,000,000/month.
• Loans to support customers who are having trouble with bad debt problems at credit institutions.

3. Advantages and disadvantages when paying by installments only need ID card/CCCD

Borrowing money with monthly installments just needing ID card is a form of unsecured loan, whereby borrowers will not need to use assets to secure or prove income. But borrowers only need to use their ID card to make monthly installment loans.

With the form of monthly installment loans, just need ID card, the loan will be disbursed quickly by the bank in a few hours, and will be divided equally both capital and interest in each month.

Advantages and disadvantages when paying in installments only need ID card / CCCD

Normally, when applying for a monthly installment loan by ID card, the installment term will be 2 months, 3 months, 6 months, 12 months or up to 48 months. Depending on the financial needs of the borrower, the corresponding loan packages will be selected.

Right here, let’s take a look at the advantages and disadvantages of borrowing money for monthly installments with just an ID card:

3.1. Advantage

• Borrowers do not need to prepare complicated documents. There is also no need to mortgage assets or prove personal income.
• Disbursement will be done quickly, the money will be immediately returned to the borrower within a few hours.
• Borrowers with monthly installments only need ID card to be 18 years old. Even those who currently have bad debts are still supported by the banking system to get loans.

Advantage

• The time for making monthly installment loans by ID card is flexible.
• Interest rates on monthly installment loans with just an ID card may be lower if the borrower has a good credit history.

3.2. Defect

• This loan limit is much lower than other forms of loans. Borrowers can only borrow from a few tens of millions depending on each institution.
• Interest rates on monthly installment loans only need a high ID card to offset risks for credit institutions. Usually the interest rate will be 1.5-2 times higher than the normal interest rate.
• Borrowers with monthly installments only need ID card will have to pay insurance fees.

Defect

4. How to choose a financial company when paying by installments just need ID card/CCCD

To choose a reputable organization to borrow money for monthly installments, you only need ID card, you need to be very careful, so that you can avoid possible risks. Here are the criteria you need to pay attention to when choosing an organization to borrow money quickly, just needing ID card to pay monthly installments.

• Information and evaluation of capital lending institutions. Including: guaranteed, under the management of which unit? Reviews and feedback from customers who have used the organization’s services. The professionalism of the tellers and customer service…
• Interest rates and service surcharges of the organization. Does the information about the listed interest rate and the actual interest rate match? How much is the monthly installment loan interest rate just need ID card, is it reasonable?

How to choose a financial company when paying in installments just need ID card/CCCD

• Additional fees that customers have to bear during the loan process. It can be: application fee, application appraisal fee, application processing fee, early payment fee, etc.
• Prioritize choosing financial institutions with quick application approval time. Units that have transparent and clear policies and terms, are committed to absolute confidentiality of customer information, etc.

5. Synthesize loan companies with monthly installments just need a reputable ID/CCCD

Below is a summary of the most reputable monthly installment loan companies that only need ID to support bad debt, low interest rates from 0%, the most prestigious 2023. Refer to have your own options before applying for a loan.

5.1. HD Saison

This is the first financial company licensed by the State Bank of Vietnam to operate in 2007. HD Saison is famous for its cash loan packages to buy houses, cars, family expenses… thanks to simple and fast procedures. Very favorable interest rates for new customers. In addition, the cash loan packages at HD Saison stand out with advantages such as:

HD Saison

• Support to complete the application procedures for customers completely free of charge.
• The loan interest rate is very reasonable, only from 1.07%/month.
• Disbursed loans to customers up to 130 million VND.
• Offer 0% interest rate for customers in the first loan month.
• Flexible payment of capital and loan interest up to 36 months.

5.2. Home Credit

For those who do not know, Home Credit is the leading financial institution in Vietnam, applying technology Big Data with super fast loan approval in minutes. Coming to Home Credit, customers can choose from many different loan packages. Outstanding features of Home Credit’s loan policy include the following:

Home Credit

• Customers can get quick cash loans without collateral.
• The loan term at the organization is flexible, with 24 months installment payment. And pay off in a period of 3 to 57 months.
• Extremely high loan limit, about 5,000,000 – 200,000,000 VND.
• The interest rate is from 7.8%/year – 27.96%/year, equivalent to 0.65%/month – 2.33%/month.
• Multi-payment methods such as at the post office, Viettel collection points, Momo e-wallet, etc.
• Increase the loan approval rate if the customer profile provides some additional documents such as electricity and water bills, health insurance cards, salary statements, etc.

5.3. FE Credit

Responsible for management by Vietnam Prosperity Commercial Joint Stock Bank (VPBank). Up to now, after more than 7 years of operation, FE Credit has captured its own territory with a loan market share of up to 55% thanks to attractive, reputable and transparent loan policies.

FE Credit

Specifically, the quick cash loan package at FE Credit conquers customers thanks to the following features:

• Loans with attractive limits, ranging from VND 10 million to VND 70 million.
• High loan approval.
• Fast disbursement support.
• Flexible loan payment in 12 – 36 months.
• Attractive and competitive interest rates, only from 1.75%/month.
• Loans without collateral, without appraisal of houses, relatives and family.
• Browse monthly installment loan documents just need ID card, pay results right in 30 minutes.

5.4. Money Cat

Money Cat is famous as a reputable company in the field of online lending in general, supporting monthly installment loans just need ID card in particular.

Money Cat

• The maximum flight limit is 10 million, for a period of 3-6 months.
• Support to make online installment loan application quickly.
• Minimum interest rate 12%, maximum 18.25%, varies depending on the time of registration and credit history of the customer.
• Preferential 0% interest rate for the first loans in a short term.

5.5. Vamo

This VAMO Company Limited (VAMO for short) uses a technology platform to connect investors, and also lenders, with borrowers. Provide quick online home loan solution without having to go to the bank.

Vamo

• Loan limit is 500,000 – 15,000,000 VND.
• Lending interest rates range from 12 to 18.25% per year, depending on the time of borrowing and the credit score of the customer.
• The loan term for monthly installment loans only requires ID card from 90 – 180 days.
• Loan conditions are Vietnamese, aged 22-60, with a stable job.
• Payment time 2 hours.

5.6. On Credit

On Credit is an organization specializing in consulting and providing online installment loan packages for Vietnamese customers. Accordingly, borrowers with monthly installments only need ID card and do not need to prove their assets and loan purposes to be disbursed.

On Credit

• The age to apply for a loan at the institution is from 18 to 60 years old.
• Loan limit from 500,000 to 15,000,000 VND.
• Low interest rates, fluctuating between 14.2% – 14.6% in 1 year.
• Simple procedures, 24/7 automatic approval and quick disbursement.

5.7. ATM Online

If you are in need of a monthly installment loan, just need an ID card, ATM Online is a good choice. It is an online financial consulting company specializing in installment loans with the amount from 3 to 6 million VND. In addition, the loan procedure is also very simple and fast and the loan period is from 3 to 6 months.

The strong point that ATM Online brings is that customers get 0% interest when borrowing for the first time and only need a CCCD/ID card to borrow. Immediately, the system will return loan results after you register.

The time for customers to repay the loan is within 3 – 6 months and is divided into several monthly installments by the method of reducing balance.

ATM Online

Details of the installment loan package are:

• The initial loan amount is from 3 to 6 million VND and the next loan is up to 15 million VND
• Free for the first 14 days with 0% interest
• Interest rate is 12% per year plus service fee for old customers
• Fixed loan term: 3 months

6. Conclusion

The article is a summary knowledge about How to borrow monthly installments with just ID/CCCD easy that you can refer. However, this loan is only temporary, you should not abuse it, you must have careful calculations before making a loan decision.

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