Paydaychampion is a Spanish company that considers that everyone has the right to credit , seeking to provide that opportunity to those who are responsible and are not over indebted.
Offering a line of credit online with accessibility from the mobile , they strive to be transparent and claim a similar position from their network of users.
With a customer service center in Spain, they ensure that they can understand the needs of those who reside in the country, working hard to provide a product that adapts to the needs of those who choose to use their services.
What is Paydaychampion.com?
With Paydaychampion.com it is possible to have a certain amount of money and with provision in an account, a sum that can be used partially or totally when required, with good facilities to be returned.
The fees that will be paid will be related only to the money that is used. As this is returned, the credit line is renewed and the money returns with availability to be used again.
Paydaychampion ensures a service similar to a credit card, without having to own one specifically.
By accessing the account with the company from a mobile phone, it will be possible to have the money that is estimated, without requiring a change of bank.
No payment is required for having availability with them, it will only be paid when the service is used.
Advantages of choosing Paydaychampion
Let's discuss some of the most important advantages of choosing this company to acquire your line of credit.
- It offers in the first year credit lines from € 100 to € 500. After two years and if the line is renewed, its limit can be expanded.
- The maximum that can be granted will be determined by the client's history and some information that will need to be updated.
- No matter which bank is used, it will always be possible to make use of Paydaychampion services.
- es uses Trusltly Group AB, a Swedish payment institution that is registered with the bank of Spain, offering excellent possibilities to speed up the transfer process from the credit line to an account.
- The fees that will be paid will only be related to the money that is used.
- It has similarities to a credit card, but the customer will not have to own one specifically. By accessing the account you have at Paydaychampion.com from a mobile phone, you will be able to use the money.
- Another card can always be added to make payments. The last one incorporated will be the one used for this function.
- If a situation is incurred with defaults, and you contact your Customer Service agents informing them as soon as possible, it is possible to find a solution. The lender could offer payment options in order to avoid the situation of non-payment of the installments, although it could imply the accrual of commissions or interests in addition to the existing ones.
Main features of Paydaychampion.com
The credit line offered by Paydaychampion.com is a type of consumer credit where a certain sum of money will be made available to the user to be used in whole or in part.
In order to have a new credit available, the capital in the line will be reconstituted on a monthly basis as the credit is repaid.
Without much complication, the enabled money can reach the bank that the client decides, just by providing the number of the account in question.
The line has a duration of 12 months with a renewable sense. This means that once you have reached this time, you must have returned the amount that has been used to be able to request the renewal.
Time to grant the Paydaychampion line of credit
In order for a line of credit to be granted to an applicant, it can be made available in less than 15 minutes. Once the request is made, the information to activate the line will be verified.
How to withdraw or dispose of the money from Paydaychampion.com
To make use of the money, you will have to access the client area , click “dispose”, select the desired amount that is planned to enter the account and continue with the steps indicated. Quickly the money will be in the account.
Just in the first disposition that is carried out, the line will be activated, where the following documents will be requested.
- Photo on both sides of the DNI / NIE.
- A Selfie photograph, incorporated into the image of the debit or credit card that will be used for payments.
- Photo of a receipt, eg. Electricity bill, telephone etc. that allows verifying the home address.
Refund of the money from the Paydaychampion.com credit line
There will be the possibility of returning all the money that has been withdrawn at the time that is decided, including accrued interest.
It is important to know that in advance you will be establishing a fixed minimum repayment monthly payment, or minimum monthly payment, which was agreed in the contract and that will be charged every month on the same day on the card that was provided when the line was activated.
Time to return the money arranged in Paydaychampion
The credit line has a duration of 12 months from the date it was granted. It will be possible during that time to have specific amounts that are chosen with a limit equal to the amount that was defined at the beginning.
From the first provision, you will have to pay a fixed monthly payment that is agreed in the contract, commonly € 95, in order to return the amount provided in installments.
The lower monthly payment will be charged with reference date to that of the first disposition.
How to add cards to make payments on Paydaychampion
A card can always be added to make payments. Referring to the customer area, and in the option my cards, click on add and follow the process. The last card incorporated will always be the one used for payments.
Other Features of Paydaychampion.com
- The line may be blocked and in that case no money will be available if false or inaccurate information has been provided in the activation process, or if more than three unpaid minimum monthly payments accumulate.
- The money may be received in a period of time between 1 minute to 24 hours, varying depending on the destination bank . en uses Trusltly Group AB, a Swedish payment institution that is registered with the bank of Spain, offering excellent possibilities to speed up the transfer process from the credit line to an account. Trustly Spain e-commerce solution will appear as the payer in the account, being the Paydaychampion concept and a reference to the code of the line in question.
- The date on which the minimum monthly fee will be paid will be established based on the day on which the first withdrawal was made to the account. Eg. The line was requested on the 15th of a month, being granted that same day and it was activated on the 16th, where the first withdrawal was made. For a case like this, the minimum payment will be charged on the 16th, every month.
- To request the cancellation of their data, a client may do so by sending a letter attaching the photocopy of the ID to the postal address of the Paydaychampion Customer Service.
- In the event that the first request has not been accepted, it will be possible to request a loan again. If a request had already been made previously, it will not be necessary to fill in the personal data once more, only some to carry out the process.
You will have to access the client area for this step.
Types of Paydaychampion loans
Paydaychampion.com offers credit lines from € 100 to € 500 in the first year .
After two years, and if the line is renewed, its limit can be expanded. The maximum that may be granted will be determined by the client's history and the information that will need to be updated.
Requirements to request a line of credit at Paydaychampion.com
To apply for the credit line, it will be necessary to reside in Spain, have an active bank account and be at least 18 years of age.
Likewise, have a personal mobile phone and be able to demonstrate for the interested party the ability to have periodic income (pension, payroll, unemployment benefit, etc.)
Credit line request at Paydaychampion
The credit line will be granted when an application is made, it is verified and then the line is activated by the company. In general, the line will be granted if there are no problems in less than 15 minutes.
The account that the user has in Paydaychampion.com will be accessed through the mobile, having this form of the money.
The requested capital can be used in a time that can vary from 1 minute - 24 hours, depending on the bank to which it will be used.
How to return the credit line of Paydaychampion
It will be possible to return the money from your credit line that has been withdrawn at any time.
It is important to know that in advance a fixed minimum monthly payment will be established, which will be charged every month on the same day, for which the card that the customer had to provide when the line was activated will be used. The fixed monthly payment is reflected in the contract, and this usually consists of € 95.
Paydaychampion customer support
For any complaint, clarification or problem that may arise, it is possible to contact Paydaychampion.com using its telephone number 911 318 305 during business hours (Monday - Friday) 09:00 - 19:00.
If the request is received outside of these hours, it will be possible to receive the call from the company the next available business day. Communication is also enabled by email: [email protected]
At Paydaychampion.com, as part of its policy and approach, the company tries to personally contact its customers; For this reason, a phone call could be received when the line is activated, this in order to confirm some details of the request. In cases such as unpaid debts it is also possible for the company to call the client.
Extensions and postponements in Mi Linea
It will be vital to pay the minimum amount that has been agreed with Paydaychampion.com on time and in due form in order to maintain an adequate credit history.
Before proceeding to apply for a loan, it is important that the interested party is sure that he will be able to assume the monthly payment of the minimum fixed amount that will be established in the contract.
This will not only exempt you from delinquent lists, it will also prevent you from having to make extra expenses related to debt commissions or late payment interest.
If any incident occurs in the payments, the company recommends that you contact it through its customer service.
If the user does not proceed to cancel their debts, the file will be reported to a collection management agency, subsequently being the debtor registered in Credit Checker, delinquent file.
As is known, the inclusion of Credit Checker can have relevance in the capacity of a person to be able to request loans, credits and card renewals.
If it reaches the point of legal claims for the amounts owed, this can have serious future consequences in the ability to request credits for a person.
If any situation is incurred with defaults, Paydaychampion advises that you contact its Customer Service agents, informing them as soon as possible in order to find a solution.
The lender could offer alternatives to settle the debt in order to avoid the situation of non-payment of the installments, it could imply the accrual of commissions or interests in addition to the existing ones.
The first 3 unpaid installments will be loaded with € 35 of additional fees each.
When there are more than three unpaid installments, the customer's line will be blocked, without being able to have the money even if a payment is made. You will only have the capacity to make disbursements in order to return the money that had been granted in advance.
Opinions about Paydaychampion
Ana Ortega: With Paydaychampion I have obtained quick financing to cover small payments, especially during school time.
Sergio López: Some time ago they told me about Paydaychampion and in the end I applied for my first loan with which I paid for a hair transplant, I feel great for having made my dream so comfortable and simple.
My line offers a service similar to a credit card, but without having to have the plastic specifically, being itself a relevant service.
A line of credit where there will be an approved and available amount of money.
It will only be a matter of using the mobile phone, accessing the account that you have with the company and having the money, either totally or partially.
The bank that is used will not be relevant.
Without doubts and in matters of money need, Paydaychampion.com stands out as a simple and fast solution for Spaniards, an ideal product to have it as an emergency fund or other needs.