Who has the best Personal Credit offer? | General Finance

 

Oney offers its clients two types of personal credit: Oney Personal Credit, which allows the client to carry out their projects, and the Cuenta Conta Corente, which guarantees the consumer flexibility and budgetary well-being.

 

Oney Personal Loan

 Oney Personal Loan

 

Oney offers its customers Personal Credit Oney, which has the following main advantages:

  • Funding of € 4,000 and € 30,000;
  • Repayments of 12 to 108 months;
  • Fixed interest rate until the end of the contract;
  • No commission to open contract;
  • No need to change banks;
  • Oney credit protection insurance optional;
  • Exclusive discounts for Oney customers in more than 500 partners.

Oney Personal Credit Protection Insurance has been created to guarantee the consumer a peace of mind, ensuring the payment of benefits if one of the following situations occurs:

  • Payment to 100% of the outstanding balance, at the date of the occurrence, in case of Death or Absolute and Definitive Disability;
  • After 30 days of Absolute Temporary Incapacity for Work, due to accident or illness, reimburses the monthly benefits due to the date of loss, in a maximum limit of 26 installments;
  • For employees with permanent contracts, after 30 days of unemployment due to termination of the job or collective dismissal, the monthly benefits due to the date of claim up to a maximum of 10 benefits will be reimbursed;
  • For self-employed persons, in the case of hospitalization of more than seven days, the monthly benefits due to the date of the claim shall be reimbursed, in a maximum limit of 26 installments;
  • For clients older than or equal to 65 years, in case of hospitalization of more than 7 days will be reimbursed in a single payment of 10% of the insurance balance at the date of the claim.

 

Checking Account

 

 Checking Account

 

The main advantages that Oney makes available to its customers through this solution are:

  • Financing from € 500 to € 4,000;
  • No commission to open contract;
  • No need to change banks;
  • As you reimburse the benefits, the amortized amount can be reused, without having to sign a new contract;
  • No costs for early, total or partial amortization;
  • Optional credit protection insurance;
  • Exclusive discounts for Oney customers in more than 500 partners.

Oney’s Current Credit Protection Loan has been specially created to help clients of this institution overcome unforeseen circumstances. When subscribing, the consumer will be protected in case of:

  • Payment of the outstanding balance, in case of Death or Absolute or Definitive Disability, at the date of the occurrence of the claim;
  • After 30 days of Absolute Temporary Incapacity for work, due to accident or illness, reimburses the monthly benefits due to the date of loss, in a maximum limit of 26 installments;
  • For employees, after 30 days of unemployment due to termination of employment or collective redundancy, reimburses the monthly benefits due to the date of loss up to a maximum of 10 benefits;
  • For self-employed persons, in the case of hospitalization of more than 7 days, reimburses the monthly benefits due to the date of loss, with a maximum limit of 26 benefits;
  • For clients over 65 years of age, in case of hospitalization for an accident of more than 7 days will be refunded in a single payment of 10% of the insurance balance at the date of the claim.

The Current Credit Credit Protection Insurance has a monthly cost of only 0.69% of the outstanding balance. The insurance premium is included in your benefit if you intend to subscribe.

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