Repagalia - Negotiation with creditors to repair your debt
(Analysis assessment)
Are you in Credit Checker and need money? Access our complete and updated list of loans with Credit Checker .
Repagalia : Pay your debts and resolve your financial situation definitively (variable APR)
| What type of financing does Repagalia offer? | , Loans with Credit Checker , Loans without payroll |
| What is the maximum credit that Repagalia grants? | Debt negotiator |
| And the minimum? | € 3,000 |
| How much can I have in the first loan? | Negotiate debts |
| Is the first loan free and interest-free? | NO |
| Do you have other offers? | NO |
| What is the maximum period that Repagalia allows to return the money? | Installment payment |
| And the minimum return period? | |
| How long does it take to give me an answer? | Variable |
| In what time will I be able to have the money? | Does not grant credit |
| Do I need to have a payroll to access Repagalia mini-credits? | NO |
| Will Repagalia request a guarantee from me? | NO |
| Will my application be denied if I am on Credit Checker? | NO |
| What is the maximum debt that Repagalia allows in Credit Checker? | |
| Can I request a loan from Repagalia if I am a company? | NO |
| What if I am self-employed? | YES |
| Will you accept my application if I am unemployed? | YES |
| What if I am a pensioner? | YES |
| Is there a maximum age to request a loan with Repagalia? | 65 years |
| And a minimum age? | 18 years |
| Are there any other requirements? | Debt greater than € 3,000, debts for cards, mini-credits or personal loans, being behind in payments, wanting to pay your debt but not having enough money to cover it. |
| Can I use Instantor to validate my data? | NO |
| Can I cancel my credit early? | YES |
| Does the cancellation imply any expense or savings in the total cost of the loan? | For free |
| Is there a possibility of an extension? | NO |
| What are the costs and expenses of extending the credit? |
| Do you have a simulator on your website? | NO |
| Does your simulator include the loan costs? | NO |
| And the extra costs like the extensions? | NO |
| What means does Repagalia offer to receive my money? | Payment plan |
| Can I receive the money with Hal-Cash? | NO |
| And what are the accepted ways to return it? | Transfer |
| Which banks do you work with to streamline procedures? | Banking and private entities |
| Debt negotiation with personalized payment plan |
Repagalia: Analysis and opinion
To highlight: They do not grant credits, they only negotiate the payment of debts 
Repagalia is a debt repair service focused on helping those who have debts to deal with. Although it is not a credit company nor does it grant capital with which to face the outstanding debt, its intervention can be useful to improve the financial situation .
To have a clearer idea of what Repagalia is, we are going to do a brief review of its operation, services and advantages it offers.
How Repagalia works
The process begins when the person who has a debt contacts Repagalia to give a solution to the matter in the way that is most profitable for their interests.
Repagalia will request all the pertinent information to know the status of the situation and to be able to assess the options.
Once they have a clear idea of the financial situation of the person who uses them and of the amounts owed, what they do is design an action plan . This plan involves establishing a payment schedule and obtaining the best conditions to reduce your debt that they can negotiate.
With the commitment of the client to assume the proposed payment schedule , Repagalia negotiates with the entity or entities with which the debt is owed to try to reduce the amount to be returned as much as possible.
It must be borne in mind that any unpaid debt generates additional costs in the form of claims and legal actions, and that what basically any debtor wants is to recover the capital provided or the cost of the service that was no longer received.
Therefore Repagalia plays with this in order to achieve a reduction in the current cost of the debt, thus freeing the debtor from a significant amount of what he should pay to regularize his situation.
Repagalia: Advantages
Repagalia is positioned as an agency that mediates between the debtor and the entity that claims money . Being in a debtor position is not the best situation to obtain confidence, hence Repagalia is integrated into a mediating position between the two to help the situation to be resolved in a satisfactory way.
For this, it offers a different advantage to each of the parties. The debtor entity guarantees the collection of its debt, since Repagalia will be in charge of it, while the debtor will obtain a significant reduction in the amount to be paid in exchange for letting Repagalia manage the payment of said debt .
Cost of service
Obviously, carrying out this task has to be rewarded in some way, and the cost of the service is determined based on the reduction in debt that they have been able to negotiate with the entity that claims the money .
This means that it will be more expensive in those cases in which the negotiation involves a considerable reduction on the initial cost and cheaper when the reduction achieved in the negotiation process is not so notable.
In any case, the client will continue to benefit in relation to the initial cost of his debt.
Contact information
If you need to contact Repagalia, you have an online chat available on their website. In the event that you prefer to send an email you can go to the following address:
e-mail : hola@repagalia.com
Regarding its physical location, on its website we find the following address : Calle Cronos 8, 3ª planta, 334182 Ohio
conclusion
Repagalia is an interesting option for anyone who intends to pay off their debts and thus be able to return to financial normality.
It is not a loan company nor its work consists of reunifying debts , but rather they focus their activity on studying the situation, developing a viable plan, and negotiating the most favorable conditions for the debtor, since from that takes away is what your profit depends on.
Of course, the client should know that resorting to Repagalia implies granting them an authorization so that they are the ones who manage their funds in relation to the payment of the debt , since the only way they can obtain such discounts is by offering a guarantee to the debtors that the payment will be carried out in its entirety in the terms that are agreed.
Therefore, it is a good formula to try to reduce to some extent the damage that delays in payment have caused and stop the snowball from growing.
