Flexkontot


Flexkontot Lån

The Breakdown

Flexkontot har ett helt unikt sätt att låna ut pengar. Flexkontot erbjuder nämligen en kombination av snabblån och kontokredit. Med hjälp av deras lån så behöver man bara ansöka om lånet en gång och sedan kan man själv ta ut det man behöver utan att betala för den delen man inte använder.
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Tillgänglighet

Flexkontot Lån

Flexkontot drivs av Brixo AB som är en nystartad långivare inom snabblånesegmentet i Sverige. Istället för att erbjuda de numera traditionella snabblånen har de istället valt en kombination av snabblån och kontokredit som är relativt unikt.

Låntagaren väljer en kontokredit som utbetalas som ett snabblån och kan senare efter att lånet återbetalts använda den som om det vore ett kreditkort. Det behövs helt enkelt ingen ansökan för att kunna använda sin kontokredit efter att den beviljats. Vilket även leder till att Flexkontot har en väldigt snabb utbetalningsprocess för den som vill använda sin kontokredit senare.

På många sätt så har Flexkontot valt en modell som ingen annan långivare hittat fram till på samma vis som de har gjort. Då man kan återanvända sitt beviljade lån om och om igen så länge som man önskar och man behöver vid de andra uttagen inte ta ut hela sin kontokredit. För man väljer själv precis vilket belopp man vill kunna ta ut vid senare uttag och behöver då inte betala ränta på den delen som man inte använder.

Mer Om Kontakta

Låna pengar hos Flexkontot

Flexkontot erbjuder sina låntagare följande lån och krediter:

  • En kombination av snabblån och kontokredit på mellan 0 kr och 20 000 kr

Vid första uttaget så fungerar det precis som vilken annan typ av snabblån eller privatlån som helst. Som låntagare väljer man dessutom precis vilken återbetalningstid som man vill ha. Det enda som krävs är att man återbetalar 10 % av lånebeloppet plus räntan. Sedan kan man välja om man vill återbetala sitt lån på en gång eller om man istället vill delbetala i den takt som passar en själv.

När man sedan vill använda sig av sin beviljade kontokredit efter att man först betalat tillbaka det ursprungliga lånet så väljer man själv hur mycket man vill ta ut. Så om man har en kontokredit på 20 000 kr så kan man istället välja att ta ut 1000 kr. Man behöver då inte heller betala för den kredit som man inte använder sig av.

Krav för att bli beviljad ett lån hos Flexkontot

Flexkontot ställer följande generella krav för att bevilja ett lån till sina låntagare:

  • Minst 20 år gammal
  • En lägsta årsinkomst på 200 000 kr
  • Svenskt personnummer och folkbokförd i Sverige
  • Inget skuldsaldo hos Kronofogdemyndigheten
  • Har ett bank-id

Beroende på vilket belopp ansökan gäller så kan det finnas andra krav som måste uppfyllas för att en låntagare ska få sin ansökan beviljad. Uppfyller man däremot de generella kraven så finns det ingen anledning till att man inte kommer att få ett lån beviljat men kanske med ett lägre lånebelopp.

Kreditupplysning hos Flexkontot

Flexkontot använder sig av Upplysningscentralen för sina kreditupplysningar oavsett vilket belopp som ansökan gäller. Det betyder att en förfrågan kommer att registreras och visas på den som ansöker om lånets kreditupplysning.

Betalningsanmärkningar

Flexkontot tillåter att deras låntagare har betalningsanmärkningar. Däremot så får låntagaren inte ha något skuldsaldo hos Kronofogdemyndigheten när den ansöker om ett lån.

Däremot så är det inte garanterat att man får ett lån beviljat utan det görs en individuell prövning vid varje ansökan om ett lån hos Flexkontot.

Övrigt om Flexkontot

Flexkontot är en långivare som har en relativt unik produkt som har kombinerat det bästa från två världar där låntagaren kan både få ett snabblån och en kontokredit att använda sig av senare. Genom att låntagaren enkelt kan kunna ta ut sin kontokredit så går utbetalningsprocessen vid det andra lånetillfället och framåt mycket snabbare än andra långivare.

Flexkontot är en del av Brixo AB som är relativt nystartade inom snabblånesegmentet men är trots det en stor och tillförlitlig långivare. Den största nackdelen som finns med Flexkontot är att de använder sig av Upplysningscentralen för sina kreditupplysningar och att de har ett relativt högt krav på låntagarens årsinkomst.

Fördelar med Flexkontot

+ En kombination av snabblån och kontokredit

+ Möjlighet att låna 20 000 kr

+ Tillåter betalningsanmärkningar

Nackdelar med Flexkontot

– Kräver Bank-id för att låntagaren ska kunna ansöka

– Höga krav för att bevilja ett lån

– Enbart öppna på vardagar

Ansök nu!

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