3 Times Salary Loan
This autumn, there’s still triple pay for everybody!
We’ll lend you up to 3 times your salary within 48 hours, whether you’re a MoraBanc client or not.
You can receive your loan within 48 hours of applying.
Up to 3 Times your Salary
You don’t need to have your salary paid directly into an account with us.
You can use the loan for whatever you want
You can comfortably repay the loan over up to 24 months.
We won’t charge you any arrangement or early repayment fees.
- For residents in Andorra.
- Loan of up to 3 times your salary with a personal guarantee. You can use it for whatever you want.
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.
You’ll enjoy a preferential interest rate if your salary is paid directly into a MoraBanc account.
See terms and conditions
- You don’t need to have your salary paid directly into a MoraBanc account, but if you’re not a client, you’ll need to open a bank account with us to take out the loan.
- You can choose what day you want the instalments to be debited from your account.
- You won’t need a guarantor as the loan is granted with a personal guarantee.
- This loan cannot be combined with other MoraBanc loans.
* You won’t need to submit any additional documents if your salary is already paid into a MoraBanc account.
Minimum documents required to review your 3 Times Salary Loan application if your salary is not deposited into a MoraBanc account
- Up-to-date CASS points statement.
- Bank position and statement for the last 6 months issued by the bank where your salary is deposited.
- Proof of extraordinary income, if any.
If you’re not a MoraBanc client, you’ll need to open a bank account with us to take out the loan.
The spread of the applicable interest rate over Euribor will vary depending on whether your salary is paid directly into a MoraBanc account.
The amount of your monthly instalments cannot exceed 40% 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.
Arrangement fee: 0%
Full or partial early repayment charge: 0%
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 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