3 Times Salary Loan
Everything is easier with a triple pay
We’ll lend you up to 3 times your salary within 48 hours.
You can receive your loan within 48 hours of applying.
Up to 3 Times your Salary
You must have your salary paid directly into an account with us.
We won’t charge you any arrangement or early repayment fees.
- For residents in Andorra.
- Loan amount of up to 3 times your salary with a personal guarantee for the purchase of consumer goods such as a television, a holiday, home improvements, or unforeseen expenses.
The loan is granted within 2 days provided all the required documents are submitted.
See required documents
- Repayment term of up to 24 months (provided the client’s retirement age is not exceeded).
- No arrangement or early repayment fees.
Your salary must be paid into a MoraBanc account.
See terms and conditions
- You can choose between 3-month, 6-month and 1-year Euribor. The interest rate will be revised at the chosen Euribor frequency.
- Choose the monthly repayment date that best suits you.
- This loan cannot be combined with other MoraBanc loans.
Minimum documents required for a Préstamo 3 Nóminas application:
- Estimate or invoice for the good or service to be financed.
- Loan amount requested (up to 3 times your salary).
- Having your salary paid into a MoraBanc account.
- Up-to-date CASS points statement.
- Annual income and expenditure declaration sheet.
- Proof of extraordinary income, if any.
If you are opening an account, a bank statement showing your current balance and account movements for the last six months must be provided together with the loan application documents. Your salary must be paid into a MoraBanc account at the time of applying for the loan.
The amount of your monthly instalments cannot exceed 35% of your percentage of effort (quotient between your annual repayments plus any rent or, if you don’t have a mortgage, plus your net fixed income** per annum).
**Your net fixed annual income is the fixed annual income net of income tax (IRFP) and CASS contributions.
Job stability: you must have held the same job for the last 12 months (if you changed jobs, this must be justifiable).
No history of overdrafts or defaults.
This product does not offer any grace period on capital repayments or interest charges.
You must take out or hold life insurance cover.
Arrangement fee: 0%
Full or partial early repayment charge: 0%
Depending on the purpose of the loan, both the loan amount and the repayment period are subject to the maximum limits established by MoraBanc.
If the Euribor rate is negative, Euribor = 0 will apply.
The loan is subject to review and approval by MoraBanc.
Write to us and we will contact you.
Information on the processing of personal data
In compliance with Law 15/2003 of 18 December on protection of personal data, the customer authorizes that the applicant’s personal data entered on this form will be incorporated into files owned and managed by MORA BANC GRUP, SA – MORA BANC, SAU (hereafter referred to as “MoraBanc”) to process the requested service and, if necessary, to comply with the contracts finally entered into, and also to ensure correct operational procedures.
The applicant expressly authorises MoraBanc to send him/her commercial and promotional communications for products and services and information on the Bank itself, social or other activities, in hardcopy by post or by electronic means (among others, short messages (SMS) to mobile phones, e-mail, etc.). This consent can always be withdrawn, without retroactive effect.
The fact of filling out this form implies that the applicant acknowledges that the information and personal data provided are true, accurate and correct; otherwise, MoraBanc declines all responsibility for the lack of truthfulness or correctness of the data.
The applicant authorises the data provided to be communicated or shared with third parties forming part of the MoraBanc business group, entities which are primarily active in the financial, insurance and service sectors. The applicant is considered as having been informed of this transfer of information by means of this clause. The applicant accepts that he/she may be sent information on any product or service marketed by these companies.
The data processing manager is MoraBanc. The applicant is hereby informed that the rights of access, rectification, suppression or opposition may be exercised in the terms established in current legislation.
Or call us on +376 88 48 84