Good Lender loans | All you need to know

GF loans are credits that the Good Finance Loans (GF) has made available to pensioners, retirees and those who have child allowances that obviously depend on the State.

Normally, those who receive a pension have difficulty accessing the credits offered by the different financial entities because their socioeconomic profile does not qualify. This situation, derived from a reduced purchasing power, puts them aside from enjoying many goods and services, and although they do not necessarily have a poor quality of life, the possibility of a loan can lead them to improve it significantly. In this post I will tell you how to ask for one of these credits that, as you will see, is not complicated.

Retirees and pensioners

Retirees and pensioners

Loans for retirees and pensioners of the GF have been expanded by 150%, citizens who depend on the SIPA (Argentine Integrated Pension System) can also request them for up to $ 200,000 to pay between 24 and 60 installments. It should be noted that the Total Financial Cost (CFT) is the lowest that exists and, depending on the conditions in which the financing is granted, it ranges between 44.6% and 50.8%.

How to process the loan

As a basic requirement the applicant must reside in Argentina and be less than 90 years old by the date of the last installment. You do not need more documentation, it will be enough with the DNI and the CBU of your bank account, this can be taken up at an ATM.

After the turn is requested, it is done on the website or by calling 130, in both cases choose the option “ Retired and Pensioned Credits” . Finally, come to the office, there they will say how much is the maximum total to obtain and the number of fees.

As an important fact, I must say that this is a procedure that can only be done in person, it is not worth a proxy. In the case of illiterate applicants, blind or unable to sign, they must be accompanied by a person they trust, over 18 who will be a witness.

How much is paid?

The fee will be calculated based on monthly income and may never exceed 30% of what the applicant receives. The loan amount and the payment term will depend on this factor. However, the minimum amount to be requested will be $ 5,000 and the maximum amount of $ 200,000 payable in 24, 36, 48 or 60 installments. The approved amount is received in an average of five business days in the bank account provided at the time of the request.

Families with Universal Assignment by Child (ABC)

ABC beneficiaries also have the opportunity to obtain an GF loan, especially if it is the mother, and one credit can be requested for each child who receives the allowance. For this credit the mother must be less than 75 years old at the date of the last installment.

How much is paid?

In this case the fees cannot exceed 30% of the Allowance that is received monthly, so loans can be requested from $ 1,000 to $ 12,000 per child and paid in 24 or 36 installments. If approved, the money will be credited to the account where the ABC is usually charged.

Beneficiaries of Family Allowance per Child

With the exception of monotributista workers, those who receive the AFH will have the option of requesting a credit for a child under the age of 18. Among the requirements that are requested is to be over 18 years of age and under 75 when the loan is completed, the child for whom it is requested must be under 18 at the date of the last installment.

The total income of the family group must be greater than $ 3,621 and less than $ 41,191 and if it is being requested for a child with a disability, it must have its current CUD (Unique Certificate of Disability).

How to process the loan

This loan is only requested online, in this case you must follow the following steps:

  • Enter “My GF”, if you do not have a username and password, it is essential to create them at that time.
  • Update all personal information: email, residence address and telephone.
  • In the menu look for the option “GF Credit” and enter “Apply for a loan” , read the conditions.
  • Enter the ID number.
  • Enter the amount of credit and the amount of fees. Then select the “Calculate” option .
  • If you agree with the fees, go to the “Continue” option and follow the steps.
  • Accept to finish the process.

How much is paid?

As with loans for families with ABC, the fees cannot exceed 30% of the allowance that is received monthly, so loans can be requested from $ 1,000 to $ 12,000 per child (maximum 5 children) and paid in 24 or 36 installments If approved, the money will be credited to the account where the AFH is usually charged.

GF Credit for (PUAM) Universal Pension for the Elderly

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Older adults who receive PUAM can also take advantage of receiving an GF loan. As a main requirement it is necessary for the applicant to be under 90 years of age at the date of the last installment and live in Argentina.

How to process the loan

This procedure is face-to-face, so you must “take a turn” on the GF page or by calling 130. On the corresponding day, the applicant must go to the appointment with his ID and the CBU of his bank account. I must emphasize here, again, that this procedure is face-to-face, in that sense the figure of the proxy is not valid. Only one companion will be admitted as a witness if the older adult is blind, illiterate or unable to sign.

How much is paid

This credit is granted from $ 5,000 to $ 70,000, payable in 24, 36, 48 and up to 60 installments. The amount of the latter may not exceed 30% of the applicant’s monthly income. Once approved, the money will be deposited in the bank account supplied to the GF office.

Loan for Non-Contributory Pensions (PNC)

This credit is for those who receive PNC for disability or to be a mother of seven or more children. The applicant must be a resident in Argentina, be over 18 years of age and under 75 at the end of the loan.

How to process the loan

This procedure is also face-to-face, so you must “take a turn” by calling 130 or on the GF page. On the day of the appointment, the applicant will come with his ID and the CBU of his bank account and only one companion will be admitted as a witness if the person requesting the credit is blind, illiterate or has an impediment to sign.

How much is paid

This credit is granted from $ 5,000 to $ 70,000, payable in 24, 36, 48 and up to 60 installments. The amount of the latter may not exceed 30% of the applicant’s monthly income. Once approved, the money will be deposited in the bank account supplied to the GF office.

How to make a claim

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  • Ignorance of the credit: if discounts or accreditations that the holder has not made appear in the bank account, you must go directly to the GF office to file the complaint.
  • Advance payment: to pay in advance the credit must go personally to the office to make the request.
  • The money was not received in the account: if five business days have passed and the loan has not been credited, you must go to the office with a summary of the movements of the account, the CBU, application document and the DNI.
  • Shift canceled: if the applicant receives an email informing them that their turn has been canceled because they do not qualify for a loan, but they consider that they do qualify, they must go to the office on the date and time of the appointment He had been assigned and present his arguments.

Causes of rejection

These can be the causes of rejection of any of the GF credits. It is important that when making the request it is verified that the bank account is active.

  • Bank account nonexistent.
  • Bank account closed or inactive.
  • Rejection of the receiving bank.
  • Inconsistencies found in the validation process.

If doubts arise during the process, it is convenient to approach the office and request all the necessary information. The GF website is also a valuable tool that includes even a credit calculator so that the interested party can evaluate their possibilities before requesting the loan.

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