Requests Credit Cards And Loans

 

How to request the products of Bankinter Consumer Finance , is the issue that we will study throughout this article so that you know what requirements you need to meet, what advantages and options you have when purchasing these Bankinter Consumer products.

Basic requirements for Bankinter Consumer Finance products

The requirements that we usually require in a minimum way to access Bankinter Consumer Finance products are the following:

  1. Not only does it serve to be of legal age, but they ask us to be at least 21 years old.
  2. We will have to have our identity document or our NIE in force.
  3. Present documentation that confirms our financial situation and that this is favorable for the concession of the product that we are requesting within Bankinter Consumer Finance.
  4. Have a current account of which we are the owners.

Basic conditions of Bankinter Consumer Finance products

If we meet the minimum requirements we already have a possibility that our request is granted, but we also have to count on the existence of some basic conditions that we must meet:

  • Only in deferred payments will different interest rates be added on an annual basis.
  • The returns of the percentage for our purchases varies depending on the Bankinter Consumer Finance product that we hire.
  • No type of annual fee, emission or maintenance in most cases.
  • In the event that we have to request a new card for theft or loss will also be free.
  • We can choose our payment method and set the percentage to be paid monthly through monthly installments.

Common advantages and features of Bankinter Consumer Finance products

The advantages that we can use to our advantage in most Bankinter Consumer Finance products are the following:

  • Enjoy different ways to make our payments more flexible, always covering a minimum percentage of the balance we have.
  • We will obtain different percentages for the purchases that we make, of a 3, 7 and even a 9% that will return to our card so that we continue using it.
  • All their products have an established limit to which we must set ourselves in order not to pay interest for more.
  • We can access most of your products without having to pay fees for issuing, managing or renewing them.

Types of Bankinter Consumer Finance products

Types of Bankinter Consumer Finance products

We can find both loans and credit cards with different facilities and needs to cover based on our search:

Bankinter Consumer Finance personal loan:

  • Being able to use it for what we want, we can request up to a maximum of 18,000 euros.
  • We can not ask for it if we are in the ASNEF registry.
  • We can enjoy it without commissions.

Types of credit cards:

There are 12 different types of cards among which we can choose the one that best suits our needs:

  • Visa Pullmantur Card:
    •  We will have 20 euros as a gift when making the first purchase at Pullmantur Cruceros.
    • If we choose the fractional payment, we will get a refund of 3% of our payments.
    • If we make more purchases at Pullmantur , we will get 6% return.
  • Bankintercard Gold Card:
    • We do not have to change banks and it is free during the years that we use it.
    • If we choose deferred payment, we will enjoy the return of 5% during the first year.
  • Bankintercard Platinium Card:
    • We do not have to change banks and it is free during the years that we use it.
    • A 7% refund of our purchases without extra conditions.
  • Vodafone Bankintercard card:
    • We can enjoy 30 euros of gift for Vodafone products only by registering and requesting the card.
    • We will enjoy a 3% discount within Vodafone without having to change banks.
  • BP Bankintercard Card:
    • Discounts of up to 11% on our refueling operations at BP gas stations.
    • It is free indefinitely without having to open an account within Bankinter,
  • Visa Card Bankintercard:
    • They will return 9% of the expenses in Renault
    • We will enjoy a 6% return of refueling in our Renault.
    • We do not need to change banks.
  • Bankintercard Direct Line Card:
    • We will get up to 3% discount on Línea Directa insurance.
    • We will have to become Bankinter customers to pay for the maintenance of the card.
    • There is no mission commission or free renewal .
  • Nissan Card + Bankintercard:
    • We do not need to change banks.
    • The return of up to 9% in Nissan of our purchases and expenses.
    • Enjoy a 6% return on refueling.
  • Groupon Bankintercard card:
    • We will enjoy a welcome gift of 30 euros to use in Groupon.
    • The renewal and issuance of this card is free.
    • We will get the return of 5% of the purchases we make.
  • Visa Air Europa Suma Bankintercard card:
    • We will obtain miles to change for flights with our purchases with this card.
    • We do not need to change banks.
    • It is free for all the years that we use it.
  • BinterMás Card Platinium Bankintercard:
    • We do not need to change banks.
    • The issuance and renewal of this card has no cost.
    • Using it, we will get BinterMás points to exchange them for trips.
  • Dacia Card:
    • We can choose the monthly payment that suits us best.
    • We will get a refund of 9% on purchases postponed within the official Dacia workshops.
    • 3% of all purchases that we make outside of the workshops and that are deferred.
    • We will also enjoy the return of 6% of the payments we make at gas stations with this card.

Bankinter Consumer Finance Auto loan

Bankinter Consumer offers us the possibility of choosing our next car and being able to finance it thanks to its Auto Loans program. We can choose between new cars, pre-owned, km0 or used and get great advantages for each of the different types of cars.

When we choose the type of car we want, we will only have to choose the amount that we want to request, which is usually between 3,000 and 75,000 euros with terms of between 24 and 96 months for its return.

Usually we will have to add to our dues an APR of 6.7% plus an interest rate of 5.5%, adding the opening commission, with your simulator we will get exactly our monthly fee and the total money we will refund.

Entering the following direct link, we will only have to choose what type of car we want and the fee simulator will open automatically: 

Products for companies

Within Bankinter Consumer Finance we can also find financing for our company either through credits or using the contracting of different life insurance, payment, etc.

We can get a way to advice about the finances of our company and the use of different ways of financing to achieve the business objectives we seek with great flexibility of payment.

How can we apply for Bankinter Consumer Finance products?

We can apply for Bankinter Consumer Finance products online following, basically, the following steps which may vary depending on the products:

  1. The first step is to check if we comply with the requirements and the conditions of the product that we want to contract are acceptable for our objectives.
  2. Next, we will find within Bankinter Consumer Finance the online applications for each of its products, either cards or loans.
  3. They will ask us to indicate personal information such as our name and surname, the DNI or NIE number, our date of birth, etc.
  4. You may ask us for a photograph or scan of documents about our financial situation.
  5. Once we complete our application, we will only have to wait for the answer of the Bankinter Consumer Finance managers.

How to cancel or cancel Bankinter Consumer Finance products

How to cancel or cancel Bankinter Consumer Finance products

If we want to cancel our contract with a Bankinter Consumer product , we just have to contact their managers either through a phone call or using email.

This is how we can cancel our contract, specifying the reasons why we want to cancel our product and, at the same time, when we want the contract to end.

How to check the movements, balance, extracts, of Bankinter Consumer Finance products

With the contracting of the different Bankinter Consumer Finance products, we can track the movements we make with our card, the points we have accumulated with our purchases, calculate the fees we will have to face, etc., using the area of a Bankinter Consumer Finance client.

We can access directly through the following link: https://www.bankinterconsumerfinance.com/gestion/ To access, we will ask for our username and the password with which we register. We can also access our customer area from the Bankintercard mobile app .

From the area itself we can request a new password or remember the existing password in case we have forgotten it.

How billing works for Bankinter Consumer Finance products

All Bankinter Consumer Finance products have a monthly invoicing, which we can match our needs or financial capacity based on the fixed fees, the minimum we have to meet, etc.

The payment of our quotas corresponding to the Bankinter Consumer Finance products that we hire is usually made between the 1st and the 5th of each month, where the refund of the percentages corresponding to the product that we have hired will be made.

Payment methods for Bankinter Consumer products

Within Bankinter Consumer products we can choose between two different forms of payment in a basic way, although
There may be some more depending on the product:

  • Payment by choosing the installments: we can choose the amount of money we want
    pay monthly in the form of a fixed monthly fee.
  • Deferred payment: choosing the postponement of our expenses, we can achieve greater benefits with minimum quotas that we must meet.

Bankinter Consumer Finance customer service

Bankinter Consumer Finance offers us different ways of contacting their managers depending on the product that we have contracted to facilitate and improve the contact service.

Free and contact telephone numbers of Bankinter Consumer products

In the case of Bankinter Consumer , we have at our disposal two toll-free telephone numbers to make our queries depending on the product we have hired:

  • If we are card customers: 900 81 13 11, Monday to Saturday from 8 a.m. to 10 p.m. (Peninsular time)
  • If we are clients of loans: 900 81 18 13, from Monday to Saturday from 8 a.m. to 10 p.m. (Peninsular time)

Mobile APP and client area for Bankinter Consumer Finance products

To make our experience with Bankinter Consumer Finance faster and easier to manage, we can use both the Bankinter Card mobile app and Bankinter Wallet, both for Android and iOS:

  • For Android:
    • BankinterCard: https://goo.gl/WLX8ca
    • Bankinter Wallet: https://goo.gl/3BAAfB
  • For iOS:
    • BankinterCard: https://goo.gl/ZEmmMo
    • Bankinter Wallet: https://goo.gl/DANWYd

E-mail and social networks of Bankinter Consumer Finance products

In the event that we are customers of a card or a loan, we will have to use a different email:

  1. For card customers: bankintercard@bankinterconsumerfinance.com
  2. For loan clients : clientesprestamo@bankinterconsumerfinance.com

We can use social networks to make contact even more direct through LinkedIn, Facebook and Twitter.

How to request and / or reactivate the keys for Bankinter Consumer Finance products

How to request and / or reactivate the keys for Bankinter Consumer Finance products

In the event that we have had any problems with our passwords or passwords for our client area or to track the Bankinter Consumer Finance products that we have contracted, we can perform the following steps depending on whether we need to request a new password or reactivate it:

  • To request a new password:
    • In this case, we have to access the following web link
    • Indicate our date of birth and the number of our ID or NIE.
    • Click on the “Next” button and follow the instructions to get a new password.
  • To reactivate our key:
    • In this case, we have to access the following web link
    • Indicate our date of birth and the number of our ID or NIE.
    • Click on the “Next” button and follow the instructions to get a new password.

Insurance for Bankinter Consumer products

Insurance for Bankinter Consumer products

Among the products of Bankinter Consumer we can contract different insurances such as life or mortgage payments. We can also find car, home, death or accident insurance.

The most popular are those of life and payment:

  • Life insurance: we will find the possibility of, for example, choosing the capital to
    ensure and, in case of suffering some disability, that capital will be multiplied by 5.
  • Mortgage payment insurance: we can get it both at a private level and for our businesses, we will get this insurance to meet the mortgage payments for a maximum of 24 months in case of unemployment, accident or illness, temporary disability, etc.

Bonuses at gas stations using Bankinter Consumer products

There are several Bankinter Consumer Finance cards with which, we can not only get discounts on BP refueling , for example, or the return of a percentage of our reports, from 3% to 6% , which will return to our current account so we can use it as available balance.