Bystander has launched new personal loans through which you can get up to 90,000 euros . In addition, Bystander gives you the option of returning your loans within a period of up to 8 years , which gives you more than enough time to do so.

Also it offers a financing that all families adapts to get people who need it can actually access to credit quickly and easily and above all they can get the money without having to spend every month an amount of very big money with the payments, since they are perfectly adapted to them.

Loan requirements of Bystander

The requirements to access loans from Bystander are very variable, since it will depend on the type of loan that we request.

A maximum and minimum age will be established to request them, in addition to a minimum level of income that can be accredited regularly (the most common is that this accreditation is obtained through a payroll, although, depending on the product, a certain pension can also be valid, or Help).

It will be necessary to provide a certain documentation, such as the DNI or equivalent, the latest payrolls, working life, the declaration of income …

To avoid any confusion, we recommend that you take a look at the different types of Bystander loans and thus you will be able to know the requirements that they will ask for in each one of them.

Types of loans and loans offered by Bystander

Bystander offers a wide variety of types of loans that are adapted to the needs of each person, which have different rates and conditions, as well as advantages with each of the loans.

Knowing which type of loan is the best one can be a complicated task, since there are many different types of loans . So here we offer a guide on how to apply for a loan in Bystander , and observe each of the differences in the conditions and advantages of each of the loans, so you can easily choose the one that suits you best

Bystander 1 l 2 l 3 loan online

We will begin by explaining the first type of loan, the so-called 1 | 2 | 3 loan , which is exclusive only for Bystander customers who have the 1 | 2 | 3 account and who also contract the Bystander Single Premium Loan Protection Insurance.

The advantages offered by the 1 | 2 | 3 loan are the following:

  • Comfort: you can choose the fee you want to pay month after month.
  • Flexibility: A term of up to 8 years to repay the loan
  • Maximum amount of up to € 90,000
  • Annual nominal interest rate: 6.95%
  • APR 10.31% fulfilling requirements *
  • Opening fee : 2.25% financed
  • Security: They have insured the payment of the dues in case of death, absolute permanent disability, temporary disability or unemployment.
  • Bystander Shares: Thanks to the 1 | 2 | 3 world you will be able to get up to 30 Bystander shares.

As you can see it offers a lot of important benefits, also long terms to repay the loan, and an amount of up to € 90,000. Besides the opportunity to choose the monthly fee that you prefer.

Another of the great advantages is the insurance against any inconvenience that may happen as major accidents or unemployment. So that the debt is not left with your family, Bystander covers the cost with the Insurance.

But remember that this type of loan is exclusive for Bystander customers who have contracted the 1 | 2 | 3 account . So if you want to hire this type of insurance, you must become a client first. Or if you are already a customer you can go to your Bystander office and apply for this loan. And if you are a customer and have a multichannel contract and electronic signature, you can check online banking if you have a loan already authorized at your disposal.

You can consult it from the clients area of ​​bancoBystander.es within the global / air clients position. Through the mobile banking app , in the section ” My offers ”. Or by calling Superlinea at number 915 123 123.

If you are a customer, but you do not have a multichannel contract, come to your Bystander office and request it.

Bystander bank car loan

With the car loan you can get up to € 90,000 to buy your new car . The car loan is also an exclusive loan for Bystander customers who have the 1 | 2 | 3 account and who take out the Bystander Single Premium Loan Protection Insurance.

The advantages it offers are the following:

  • Comfort: you can choose the fee you want to pay month after month.
  • Flexibility: A term of up to 8 years to repay the loan
  • Maximum amount of up to € 90,000
  • Annual nominal interest rate: 6.25%
  • APR 7.09% fulfilling requirements *
  • Opening commission: 1.5% financed
  • Security: They have insured the payment of the dues in case of death, absolute permanent disability, temporary disability or unemployment.
  • Bystander Shares: Thanks to the 1 | 2 | 3 world you will be able to get up to 30 Bystander shares.

This type of loan covers advantages very similar to those of the first, it gives you the same way for an 8-year term, and the amount of up to € 90,000 , as well as the advantages of the Insurance, the shares and the convenience of choosing the monthly payment . However, as a difference we can also notice a slight reduction in interest rates and the opening rate.

The car loan meets the same conditions for its contracting as the previous loan, needing to be a Bystander customer with the 1 | 2 | 3 account, having Bystander Insurance and among other conditions already mentioned above. But in this type of loan you can get a better price if you meet some conditions. All this if you are already a Bystander customer.

The conditions to get a better price are the following:

  • Domicile your payroll or social insurance
  • Have at least three receipts issued quarterly by different issuers
  • Perform 3 transactions with Bystander debit or credit cards in the quarter.

Bystander personal loans online

With the online Bystander personal loan you can make the home renovation that you so much want, make reality u. Project or go on vacation with your family. You can request the loan by going to the nearest Bystander offices or by filling out the following form here , and the advantages offered are the following:

  • Comfort: you can choose the fee you want to pay month after month.
  • Flexibility: A term of up to 8 years to repay the loan
  • Maximum amount of up to € 60,000
  • Security: They have insured the payment of the dues in case of death, absolute permanent disability, temporary disability or unemployment.
  • Bystander Shares: Thanks to the 1 | 2 | 3 world you will be able to get up to 30 Bystander shares.

As in the car loan, the Bystander online loan allows you to improve the loan conditions by contracting certain services products at Bystander.

  • By contracting the Bystander Insurance Consumer Loan Protection you get a reduction of -0.75%
  • If you pay your salary or pension, three receipts from different issuers in the quarter and at least three uses with Bystander credit or debit card per quarter, you get a -2% reduction
  • If you have the active multichannel contract you will enjoy a reduction of 0.25%. The multichannel contract allows you to use the different digital channels, operate or consult without having to go to the office

The way to request the Bystander loan is by going to your nearest Bystander office , or if you are already a client, and you have contracted multichannel and electronic signature you can check in online banking if you have a loan already authorized at your disposal. The channels through which you can contract online are the following:

  • In the clients area of ​​bancoantander.es within the menu of / loans and credits
  • Through the mobile banking app, in the section ” my offers ”.
  • Or by calling Superlinea at number 915 123 123

And if you are a client but you do not have a multichannel contract, you can go to your Bystander office and request it.

Payroll advance Bystander

Also as another different type of loan, you can request an advance of your payroll of up to 2 monthly payments , only by directing your payroll at Bystander.

What are the advantages offered by anticipating your payroll? We will explain them to you next:

  • Comfort: you can choose the fee you want to pay month after month.
  • Flexibility: A term of up to 8 months to repay the loan
  • Maximum amount of up to € 9,000
  • Annual nominal interest rate: 0%
  • APE 10.01% fulfilling requirements *
  • Opening commission: 3.5% (not financed)

This is a very different type of loan to the aforementioned, with this loan you can get an advance of your payroll of up to 2 monthly payments , with a maximum amount of € 9,000 and a term of 8 months to pay it . To apply for the loan you can go to your nearest Bystander office or if you are a Bystander customer with multichannel, through the online channels of customer service. Or by Superlinea with the number 915 123 123.

Card financing

This type of loan allows you to finance your purchases and payments with your Bystander cards . There are three different ways of financing your purchases and payments that adapt to your personal needs within this type of loan. We will explain the dynamics and advantages of each of these modes below.

Easy Pay

Easy payment is the ideal solution if you need to finance a specific purchase. You can use any Bystander credit card and split the payment of your purchase in comfortable installments.

The advantages offered by this mode of financing are the following:

  • Pay and finance your purchase directly from your mobile with Bystander Wallet
  • Minimum monthly fee of € 18. (Check the conditions and interest applicable in the contract)
  • You can choose the terms to return the loan.
  • And you can use it as many times as you want. Without changing the payment method of your card.

Basically this type of financing allows you to split the payment of a specific purchase you want to make, automatically generating a loan charged to your Bystander card without the need to carry out any movement. Allowing you to directly pay your financing, conveniently from your Bystander card.

Payment then

If what you want is to postpone the payment of the receipt of your card, Payment Then you can choose what amount you want to pay from your receipt and pay the rest the following month. The advantages offered by this mode of payment are the ones that we will show you below:

  • Bystander Wallet allows you to postpone the payment directly from your mobile
  • Financing without paperwork and paperwork: The minimum amount to finance is 3% of the receipt and the minimum amount is € 25
  • You can use it as many times as you want, without changing the payment method of your card.

This payment method has its advantages because it is a system that allows you to postpone your payments, if for any reason during this month you have many expenses and you can not pay the monthly fee of the bank, you can postpone it by financing a mini credit on your monthly payment directly from the Bystander Wallet application from your mobile. So the next month you can pay the rest of your fee, along with your normal monthly fee.

As the main advantage we have that it is fast, and comfortable from your mobile. No need for paperwork, paperwork, or waiting at your bank.

Direct money

In case you need cash immediately, with this form of loans called Direct Money , you can transfer cash from your card to your account instantly. This can be very useful for unforeseen expenses that may arise, and that a cash payment is necessary. The advantages offered to you in this payment method are the following:

  • Financing without paperwork or paperwork: With an immediate credit to your account you can receive the money from a minimum amount of 300 euros.
  • Commission of 3% of the amount transferred (Except cards My other 1/2/3, My other Day I to I Day and Classic Light that are exempt
  • You can use it as many times as you want, without changing the payment method of your card
  • In addition, with the Easy Payment service you can postpone the payment in up to 36 installments
  • With Bystander Wallet You can transfer cash from your card to your account directly from your mobile
  • You can request it from your App, in any Bystander office or in online banking.

Dinero Directo works as another of the fast and comfortable solutions offered by Bystander , which adapts to another need that may arise. This being the need for immediate cash, using a transfer mode from your card, to your bank account instantly. Which allows you to get a loan in cash quickly, comfortably, and without paperwork or financing.

Renting of Cars Bansacar of Bystander

Renting Bansacar is a car rental service, or car rental ; in which you can enjoy a vehicle in the most economical way. No bail or initial delivery, only paying a fixed fee. And at the end of the contract you have a purchase option agreed to purchase the car or exchange it for a new one.

This car rental loan service will allow you to have the car you want , paying a monthly fee for the duration of a contract. At the end of the contract you can either purchase the car or decide to change it for a new one, and continue paying your monthly fee in a new contract. So you can enjoy having the new car you want, for as long as you want, in an economical way.

All vehicles include all-risk insurance with a fixed premium without deductible and for any driver, in addition to maintenance at the official dealer, whatever the brand of the car, and with the guarantee of Bystander.

You can inform more at your nearest Bystander office or through the Bansacar Line at the telephone number 902 177 277.

Bystander has a wide variety of car models that you can get through this Bansacar renting service , then we will show you some models, along with their approximate monthly fee, so you can get an idea of ​​the service:

  • New HYUNDAI i10: With a special offer of approximately 199.75 euros per month plus VAT
  • INFINITI 130: Special offer of 344 euros per month plus VAT
  • SUBARU XV: Special offer of 404 euros per month plus VAT
  • SUBARUOUTBACK: Special offer of 525.72 euros per month plus VAT

Within the page of Bystander within the section of loans / Renting Cars you can find more variety of cars that you can acquire through Bansacar.

We must also take into account that the fee may vary depending on how much the estimated mileage with which you want to use the car, and how long is the term for which the car will be taken. Check your nearest Bystander office or the Bansacar Line mentioned above for more information.

Interest rates on loans and loans of Bystander

Below we detail the rates broken down for each loan:

  • Loan 1/2/3 : APR of 10.31%, opening fee of 2.25% financed and annual nominal interest rate of 6.95%.
  • Car Loan: APR of 7.09%, opening commission of 1.5% financed and annual nominal interest rate of 6.25%.
  • Personal loans: It depends on the amount, the time of return, if you have taken out insurance protection Consumer (reduction of 0.75%) of if you pay the house or pension (reduction of 2% 9 or if you have the contract active multichannel (0.25% reduction).
  • Advance Payroll: TAE of 10.01% and opening commission of 3.5% 8 not financed).
  • Card financing: The payment method There is then a minimum amount to finance of 3% of the receipt and in the Direct Money modality a 3% commission is applied to the amount that is transferred.
  • Renting Basacar: It will depend on the car.

It is safe to ask for a loan at Bystander

Bystander offers a long series of loans and payment services that adapt to the modern client, the one who needs financing and who can not wait long for his case to be resolved.

In general, analyzing both the conditions of your loans, and the opinions of customers who have already requested them at some time, we can conclude that it is safe to ask for a loan at Bystander .

Of course, the applicant will have to study in detail the conditions of the same, as well as any other important data. Only in this way can you avoid an unpleasant surprise when you have to return them.

How to apply for Bystander Bystander online loans

We have several ways to apply for loans:

    • Go physically to the entity and request them in person.
    • Manage them through online banking (obviously, we will have to be customers).
  • Manage them through the app.
  • Or by calling Superlinea 915123123 .

Although it is true that requesting loans online from Bystander may seem complicated, you just have to look for the option of “loans” (or use the search engine) and follow some simple instructions to achieve it.

From this we can have the money in record time.

How to return personal loans Bystander

The repayment of the personal loans of Bystander will be carried out automatically, through the quotas that have been agreed during the process of processing the loan itself.

It will also depend on the chosen mode.

If we had any problem to return the money, we should contact the entity as soon as possible.

Bystander bank mortgages

Bystander offers two types of mortgages:

  • Variable Pre-Mortgage: Established under a variable interest rate that follows certain indices (+ 0.99% Euribor, 0.99% TIN, 1.80% APR Variable), only valid for a second home.
  • Fixed Pre-Mortgage: The fixed mortgage allows us to pay the same from this moment until the next 30 years. Depending on the term, the nominal annual interest rate and the APR will change.

We also have a mortgage simulator to know the conditions in detail

Bystander loan simulator

On the website of Bystander you can find the tool of Simulation of personal loans , you can consult a simulation of the Car Loan , and in the service of Renting of Cars Bansacar also.

This tool will work to calculate how much your monthly fee would be depending on the loan conditions and the conditions you decide, such as the amount of the loan amount, which in this case would be the price of the vehicle you decide to purchase, and the term where you want to repay the loan.

In the Car Loan you will have a maximum term of 8 years, and in the Bansacar service a maximum of 60 months as the term of the contract.

Extensions and postponements

If we are aware that we will not be able to pay the loan or mortgage at the end of the month, the best thing we can do is request an extension and / or deferment . This resource will increase the price of the quota in a considerable way, but this will prevent the bank from placing us in a register of defaulters and initiating the pertinent legal procedures.

Opinions about Bystander Online

Currently, Bystander is one of the most sought after by most clients, the reason is that it is one of the Spanish entities that give the greatest amount of benefits to all customers.

Bystander was one of the first entities to be placed by volume of assets in one of the first in Spain and little by little in one of the first in the world. In addition, it is currently the Spanish entity with the most presence outside Spain and currently has more than 14,000 well-distributed offices throughout the world, which allows its clients to have their trusted Bystander bank nearby.

During 2013, Bystander absorbed Banesto , staying with 100% of customers until today, which not only increased their confidence in customers, but their range.

The security Bystander shows its clients come from that considered by most experts as one of the most solvent companies in Spain. In addition, it is one of the entities listed on the Madrid Stock Exchange and is part of IBEX 35.

In addition, its low commissions mean that clients never want to lose their seniority in the entity.

conclusion

We can realize the great variety of loans and payment services offered by Bystander , from the common personal loans, car loans and the payroll loan. Up to the services of financing methods through your Bystander card with which you can obtain instant loans without the need to do paperwork or lines at Bystander offices.

We also find the Bansacar car rental service , with which you can make the car of your dreams in the most economical and simplest way, by paying a monthly fee to get the car of your choice.

We must take into account one of the details that has been repeated more in these types of loans Bystander , which is that to be able to acquire the vast majority of services you have to be an active client of Bystander and have contracted a few services or products within the banking institution to be able to enjoy the best way of all these different loans that they offer us.

This does not have to be considered a disadvantage if you are already an active client of Bystander, since having all these services you are offered a great attention to the client and comfort when making movements in your accounts and loans, but it must be something to take into account for someone who is mostly associated with another banking institution.

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