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Apply for an extra monthly payment with the Pension Advance Loan
Apply for an advance of up to €1,800
Up to three months to repay your loan
You have three months to repay your loan in convenient monthly repayments without any partial or full redemption fees.
Give yourself a treat or cover unforeseen circumstances
If an unforeseen circumstance arises or you simply want to give yourself a treat, you can apply for this loan up to three times a year.
Attractive interest rate
The Pension Advance Loan is a loan having a personnel guarantee aimed at customers over 60 years of age who have a pension (contributory pension paid by the Social Security system) deposited directly into Unicaja Banco.
You must have had at least six monthly pension payments deposited directly.
A maximum of three advances can be made a year, provided the previous advance has been properly redeemed.
This is a personal loan aimed at covering personal needs.
* Granting subject to the institution's criteria.
** The directly deposited pension must have a net amount equivalent to or greater than €600 per month.
(1) Terms and conditions valid until 31 December 2022.
• Purpose: consumption
• Maximum amount: €1,800
• Term: maximum 3 monthly payments
• Front-end fee: 1.0%. Assessment fee: 0.5%
• Requirements: direct deposit of the pension during at least six months. Three advances at most may be made each year, provided the previous advance has been properly redeemed.
Typical examples of AER:
Nominal annual rate: 0%. AER: 9.504% calculated for the principal of a loan amounting to €1,800 having a three-month term with a monthly repayment of €600. Front-end fee of €18. Assessment fee of €9. Total amount owed: €1,827. Total amount of interest: €0. Total cost of credit: €27.
Nominal annual rate: 0%. AER: 12.863% calculated for the principal of a loan amounting to €1,200 having a two-month term with a monthly repayment of €600. Front-end fee of €12. Assessment fee of €6. Total amount owed: €1,218. Total amount of interest: €0. Total cost of credit: €18.
The AERs in the examples described vary according to loan's term.
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