Christmas has arrived and, like every year, it is raging both on the streets and in the shops. For the last few weeks there have been bright lights in the shop windows and offers that open the appetite of any portfolio: campaigns, promotions, sales, exclusive products … It is a fever that is repeated year after year, and in which we always fall prisoners. It is the time of greatest consumption and we are always there to spend.
The consultants have produced studies that shape these claims: Spaniards will spend between 650 and 800 euros on average, each, on Christmas shopping. Almost half of these expenses will be destined for gifts -40%, specifically-, 31% will be invested in family meals and dinners so irresistibly bulky, and with 17% investment in each, travel and leisure they represent the third source of expenses.
But all this is not little nor does anyone spend it without getting upset. Many times, these investments are far from our reach, especially if we have not been able-or wanted, or known-to save or if the extra payments have been conspicuous by their absence. The friendly face of the matter is that we can finance Christmas to enjoy it as always.
One of the star resources to combat the economic slumps or the sudden need for money are online payday loans. We saw them for the first time a little over ten years ago, during the economic crisis and when financial emergencies were almost a habit. Since then, they have taken root in the financial culture of Spain and their use is clearly oriented to unforeseen situations of need, such as breakdowns at home or in the car, unpaid bills or even purchases of urgent need.
Its success is due to different reasons. In the first place, because it is a convenient method because it can be done from any device with an Internet connection, and simple because of its mechanics. Secondly, because in some cases it is not necessary to present endorsements or payrolls, although this happens on very specific occasions and is not usual. In third place, they are a product of the most sought after because it consists of a simple form to fill in the website of the lender where we are going to request the quick payday loans, choose the desired amount and set the deadline for its return, which usually does not exceed one month.
The available figures of money are usually low, since they are specific emergencies and without a high monetary value. There are many consumer profiles that can qualify for an urgent payday loans , such as freelancers, students, workers, among others, as long as they meet the minimum requirements demanded by the lender.