News in the OneCredit world, as far as loans are concerned. OneCredit launched its OneCredit Smart Voucher in the end of 2017 and it is a very interesting formula, which we want to investigate further.
It is a small loan, indeed we could well say a mini loan, which can be requested for very small amounts (from 200 euros) to a maximum of 30 thousand euros. It can be repaid in up to 84 months, at least 12 months.
In a nutshell, as we shall see, to those who require OneCredit Smart Voucher and are granted a nominative voucher is delivered, non-transferable, which indicates the maximum amount that can be spent and the expiry date, which is sixty days from the moment in which the loan application is accepted.
OneCredit’s Smart Voucher can be used in a single solution for a maximum of ten goods and services and can be used at the points of sale that the applicant has chosen, among the partners that are indicated by OneCredit and that accept OneCredit Smart Voucher.
More than a classic loan, in fact, it is a real voucher with the name of the person who asked for the sum – and who is the only one who can spend it – and who can spend the sum with a series of selected partners from OneCredit itself.
Flexible, fast, ideal for the purchase of consumer goods and also for very small sums (as we have said, we start at just 200 euros) OneCredit’s Smart Voucher is definitely a very smart loan of the latest generation.
Among the clauses of the contract, the one whereby if the nominative voucher is used for an amount lower than the one established at the request of the loan, the loan is rescheduled for the amount used, and the remodulation is communicated by means of an information letter.
How to return OneCredit Smart Voucher? By means of automatic debit of the monthly installments on the OneCredit current account or on the Genius Card.
As far as the requirements are concerned, you must be 18 years old to apply for the loan. The maximum age of the Applicant at the time of payment of the last loan installment cannot exceed 80 years.
As we said the voucher can be spent in a single solution, and you can buy – at most – 10 goods or services.
It should also be borne in mind that the information sheet says that where purchases are made online, if purchases are worth more than the amount of the voucher, it will not be possible for the customer to integrate the difference through other payment systems.