{"id":7365,"date":"2025-11-17T14:32:06","date_gmt":"2025-11-17T12:32:06","guid":{"rendered":"https:\/\/www.avafin.es\/?page_id=7365"},"modified":"2025-11-17T14:32:33","modified_gmt":"2025-11-17T12:32:33","slug":"dificils","status":"publish","type":"page","link":"https:\/\/www.avafin.es\/ca\/prestem\/dificils","title":{"rendered":"Concedim pr\u00e9stecs dif\u00edcils f\u00e0cilment"},"content":{"rendered":"<p><strong>AvaFin <\/strong>creiem en una <strong>finan\u00e7ament <\/strong>inclusiva, <strong>oberta<\/strong> a tothom.<\/p>\n\n\n\n<p>Sota la nostra filosofia, <strong>no excloem<\/strong> per endavant persones amb un perfil financer complicat.<\/p>\n\n\n\n<p>Aix\u00ed, podem concedir pr\u00e9stecs a<strong> clients<\/strong> que <strong>manquen<\/strong> d&#039;un <strong>salari<\/strong> com a tal, han figurat a <strong>registres de morositat<\/strong> o resideixen en un pa\u00eds estranger. Tres situacions que compliquen molt l&#039;obtenci\u00f3 de finan\u00e7ament a la majoria d&#039;entitats banc\u00e0ries.<\/p>\n\n\n\n<p>Oferim <strong>pr\u00e9stecs dif\u00edcils<\/strong> en l\u00ednia de manera <strong>senzilla <\/strong>i <strong>r\u00e0pida<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\">Calcula el teu Pr\u00e9stec<\/h3>\n\n\n        <div class=\"av-slider-container av-slider-behaviour-es av-slider-type-type_seo loan-slider payday\">\n            \n            <section id=\"loan-slider-block_9d70f6a25bab9bac034c825de72b112c\" class=\"av-slider av-slider-type-type_seo\">\n                <div class='av-slider-inner' data-slide-product-type='1' data-is-delayed='false' >\n                                        <div class=\"av-main av-last-box-not-empty\">\n                                                <!-- SCROLLER AMOUNT -->\n                                <div class=\"av-box av-first-box amount-slider\">\n            <div class=\"av-box-info\">\n                <p>Quant necessites?<\/p>\n                <div class=\"av-slider-quantity-container\">\n                                                    <span class=\"rangeslider-decrease\">\n                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/themes\/lendon.2\/assets\/images\/minus.svg\" width=\"16\" height=\"16\" alt=\"minus\"\/>\n                            <\/span><!-- span.rangeslider-decrease -->\n                         <!-- filter.av_scroller_disable -->\n\n                        <div class=\"av-scroller-number-content\" style=\"display: flex;\">\n                            <span class=\"amount-display\"><\/span>&nbsp;<span>\u20ac<\/span>                        <\/div>\n                                                    <span class=\"rangeslider-increase\">\n                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/themes\/lendon.2\/assets\/images\/plus.svg\" width=\"16\" height=\"16\" alt=\"plus\"\/>\n                            <\/span>\n                         <!-- filter.av_scroller_disable -->\n                    <\/div><!-- div.av-slider-quantity-container -->\n            <\/div><!-- div.av-box-info -->\n            \n                <div class=\"rangeslider\">\n                    <div class=\"rangeslider-fill\" style=\"width: 0%;\"><\/div>\n                    <div class=\"rangeslider-handle\" style=\"left: 0%;\"><\/div>\n                <\/div><!-- .rangeslider -->\n             <!-- filter.av_scroller_disable -->\n\n            <div class=\"range-info\">\n                <span>\n                                        <span class=\"min-amount\"><\/span>\n                    &nbsp;\u20ac                <\/span>\n                <span>\n                                        <span class=\"max-amount\"><\/span>\n                    &nbsp;\u20ac                <\/span>\n            <\/div><!-- div.range-info -->\n        <\/div><!-- div.av-box -->\n                                <!-- SCROLLER TERM -->\n                                <div class=\"av-box term-slider\">\n            <div class=\"av-box-info\">\n                <p>Quants dies vols tornar-ho?<\/p>\n                <div class=\"av-slider-quantity-container\">\n                                                    <span class=\"rangeslider-decrease\">\n                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/themes\/lendon.2\/assets\/images\/minus.svg\" width=\"16\" height=\"16\" alt=\"minus\"\/>\n                            <\/span><!-- span.rangeslider-decrease -->\n                         <!-- filter.av_scroller_disable -->\n\n                        <div class=\"av-scroller-number-content\" style=\"display: flex;\">\n                            <span class=\"term-display\"><\/span>&nbsp;<span>&nbsp;dies<\/span>                        <\/div>\n                                                    <span class=\"rangeslider-increase\">\n                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/themes\/lendon.2\/assets\/images\/plus.svg\" width=\"16\" height=\"16\" alt=\"plus\"\/>\n                            <\/span>\n                         <!-- filter.av_scroller_disable -->\n                    <\/div><!-- div.av-slider-quantity-container -->\n            <\/div><!-- div.av-box-info -->\n            \n                <div class=\"rangeslider\">\n                    <div class=\"rangeslider-fill\" style=\"width: 0%;\"><\/div>\n                    <div class=\"rangeslider-handle\" style=\"left: 0%;\"><\/div>\n                <\/div><!-- .rangeslider -->\n             <!-- filter.av_scroller_disable -->\n\n            <div class=\"range-info\">\n                <span>\n                                        <span class=\"min-term\"><\/span>\n                    &nbsp;dies                <\/span>\n                <span>\n                                        <span class=\"max-term\"><\/span>\n                    &nbsp;dies                <\/span>\n            <\/div><!-- div.range-info -->\n        <\/div><!-- div.av-box -->\n        \n                        <!-- LAST BOX CTA -->\n                                <div class=\"av-box av-last-box\">\n                                    <div class=\"av-cta-container-outer\">\n                                                <div class=\"av-cta-container\">\n                                                                                <a href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" \n                        data-base-url=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\"    \n                        class=\"av-loan-cta\">\n                        Sol\u00b7licitar pr\u00e9stec.                    <\/a><!-- a.av-loan-cta -->\n\n                                                                <a href=\"https:\/\/portal.avafin.es\/wp-login\" \n                            data-base-url=\"https:\/\/portal.avafin.es\/wp-login\" class=\"av-loan-login-cta\">\n                            \u00c0rea de Clients                        <\/a><!-- a.av-loan-login-cta -->\n                                    <\/div><!-- div.av-cta-container -->\n            <\/div><!-- div.av-cta-container-outer -->\n        <\/div>\n\n                                                        \n                    <\/div><!-- div.av-main  -->\n\n                            <div class=\"av-term-container\">\n                    <div class=\"slider-terms\">\n            <ul>\n                                    <li class=\"total-row av-sum-prio-m-1\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Total a pagar<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-total\"><\/span>\n\n                                                                        \u20ac\n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"total\" ><\/span>\n                                \u20ac                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"amount-row\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Import<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-amount\"><\/span>\n\n                                                                        \u20ac\n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"amount\" ><\/span>\n                                \u20ac                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"duedate-row av-sum-prio-m-1\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Data de venciment<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-duedate\"><\/span>\n\n                                                                        \n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"duedate\" ><\/span>\n                                                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"loan-fee-row\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Inter\u00e8s<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-loan-fee\"><\/span>\n\n                                                                        \u20ac\n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"loan-fee\" data-prices-id='loan-fees' data-prices-original-id='loan-original-fees' ><\/span>\n                                \u20ac                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"no-display-row\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\"><\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-no-display\"><\/span>\n\n                                                                        \n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"no-display\" ><\/span>\n                                                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                                    <li class=\"preparation-fee-row\">\n                        <div class=\"av-term-inner\">\n                            <span class=\"slider-label\">\n                                <span class=\"register-label\">Comissi\u00f3 d&#039;obertura<\/span>\n                                                            <\/span><!-- span.slider-label -->\n                            <div class=\"bold\">\n                                <div class=\"promo-block display-none\">\n                                                                        <span class=\"original-preparation-fee\"><\/span>\n\n                                                                        \u20ac\n                                <\/div><!-- div.promo-block -->\n                                                                <span class=\"preparation-fee\" data-prices-id='loan-preparation-fees' data-prices-original-id='loan-original-preparation-fees' ><\/span>\n                                \u20ac                            <\/div><!-- .bold -->\n                        <\/div><!-- div.av-term-inner -->\n                    <\/li>\n                            <\/ul>\n        <\/div><!-- div.slider-terms -->\n                            <div class=\"av-disclaimer\">\n                        <form method=\"post\" id=\"promocode-form\" action=\"\">\n                <div class=\"promocode-container\">\n                    <label for=\"promocode\" class=\"promocode-title\">Codi Promocional<\/label>\n                    <div class=\"promocode-wrapper\">\n                        <input type=\"text\" id=\"promocode\" name=\"promocode\" value=\"\" maxlength=\"20\" title=\"Codi Promocional\">\n                        <button type=\"submit\" id=\"apply_promotion\" name=\"apply_promotion\" value=\"apply_promotion\">\n                        Confirma                        <\/button>\n                    <\/div>\n                <\/div>\n            <input type=\"hidden\" name=\"trp-form-language\" value=\"ca\"\/><\/form>\n                    <div class=\"av-disclaimer-content\">\n                            <\/div>\n            <div class=\"av-modal-container\">\n                                            <button type=\"button\" class='av-modal-links have-dynamic-template' data-template-url='https:\/\/portal.avafin.es\/cf-document\/content?documentType=backend_template&#038;id=eu-form&#038;format=js' data-is-contract='1' data-modal-id='eu-info' >\n                                                                <span>Informaci\u00f3 sobre el pr\u00e9stec<\/span>\n                            <\/button>\n                                        <\/div><!-- div.av-modal-container -->\n                    <\/div><!-- div.av-disclaimer -->\n\n                <\/div><!-- div.av-term-container -->\n        \n                                                <div class=\"slider-modal-wrap eu-info_wrap\"  data-modal-id=\"eu-info\">\n                        <div class=\"slider-modal modal-content eu-info\">\n                            <div class=\"slider-modal-header-container\">\n                                <span class=\"slider-modal-title\">Informaci\u00f3 sobre el pr\u00e9stec<\/span>\n                                <span class=\"slider-modal-close\">\u00d7<\/span>\n                            <\/div><!-- .slider-modal-header-container -->\n                            <div class=\"slider-modal-content\">\n                                                            <\/div><!-- .slider-modal-content -->\n                                                            <div class=\"av-modal-download-container\">\n                                    <a href=\"https:\/\/portal.avafin.es\/api\/template\/dynamicPdf?id=39754&#038;templateVariables=x \" class='btn btn-basic btn-md' download=\"\">Descarregar<\/a>\n                                <\/div>\n                                                    <\/div><!-- .slider-modal -->\n                    <\/div><!-- .slider-modal-wrap -->\n\n                                <div class=\"slider-modal-wrap login-reminder_wrap\"  data-modal-id=\"login-reminder\">\n                        <div class=\"slider-modal modal-content login-reminder\">\n                            <div class=\"slider-modal-header-container\">\n                                <span class=\"slider-modal-title\">\u00c9s el nostre client?<\/span>\n                                <span class=\"slider-modal-close\">\u00d7<\/span>\n                            <\/div><!-- .slider-modal-header-container -->\n                            <div class=\"slider-modal-content\">\n                                <p style=\"font-size: 16px;\"> Si ja ets client, inicia sessi\u00f3 amb el teu usuari i contrasenya:<\/p><div class=\"text-center av-modal-btn-container btn-container\">\n                <a class=\"btn btn-cta btn-md\" data-base-url=\"https:\/\/portal.avafin.es\/wp-login\" href=\"https:\/\/portal.avafin.es\/wp-login\">Inicia Sessi\u00f3<\/a><a class=\"btn btn-basic btn-md\" data-base-url=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\">Registra&#039;t<\/a><\/div><!-- .av-modal-btn-container.btn-container -->                            <\/div><!-- .slider-modal-content -->\n                                                    <\/div><!-- .slider-modal -->\n                    <\/div><!-- .slider-modal-wrap -->\n\n                                \n\n\n                <\/div><!-- div.loan-slider -->\n            <\/section> <!-- section.av-slider -->\n\n        <\/div><!-- .av-slider-container -->\n        \n\n\n<div class=\"wp-block-lendon-imagetextdots av-image-text-dots-container av-image-left\"><div class=\"av-itd-content-column\"><h2>Quins pr\u00e9stecs es consideren dif\u00edcils?<\/h2><div class=\"av-itd-inner-blocks-content\"><div class=\"av-dots\"><\/div>\n<p>Els <strong>pr\u00e9stecs dif\u00edcils<\/strong> s\u00f3n aquells que els bancs o financeres s\u00f3n reticents a concedir pel <strong>risc <\/strong>que suposen.<\/p>\n\n\n\n<p>La seva consideraci\u00f3 de pr\u00e9stecs de risc pot venir per la <strong>probabilitat d&#039;impagament<\/strong>, l&#039;abs\u00e8ncia de <strong>garanties de cobrament<\/strong> i, moltes vegades, la conflu\u00e8ncia de les dues circumst\u00e0ncies.<\/p>\n\n\n\n<p>Per desgr\u00e0cia el que estem veient, a la pr\u00e0ctica, suposa la <strong>exclusi\u00f3 autom\u00e0tica <\/strong>del finan\u00e7ament de <strong>moltes persones<\/strong> per trobar-se en situacions tan habituals com les seg\u00fcents:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mancar de<strong> n\u00f2mina<\/strong> com a tal, encara que disposin d&#039;un ingr\u00e9s regular.<\/li>\n\n\n\n<li>Estar registrat en un <strong>fitxer de morositat<\/strong>, per m\u00e9s que el deute sigui petit o procedeixi d&#039;una data molt remota.<\/li>\n\n\n\n<li>Ser <strong>immigrant<\/strong>, en existir una pol\u00edtica restrictiva amb els <strong>pr\u00e9stecs a estrangers<\/strong>. No per voluntat discriminat\u00f2ria directa, sin\u00f3 per entendre que el menor arrelament podria afavorir l&#039;impagament, dificultant el proc\u00e9s de <strong>recobrament<\/strong>.<\/li>\n\n\n\n<li><strong>Residir fora d\u00b4Espanya<\/strong>, en el cas dels nacionals, que veuen complicat el seu acc\u00e9s a <strong>pr\u00e9stecs a l&#039;estranger<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p>A <strong>AvaFin<\/strong> cobrim tots aquests casos &#039;complicats&#039;!<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/11\/prestamos-dificiles-scaled.jpg\" alt=\"Pr\u00e9stecs dif\u00edcils\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Oferim pr\u00e9stecs dif\u00edcils amb condicions f\u00e0cils<\/h2>\n\n\n\n<p>Demanem unes <strong>condicions molt senzilles<\/strong>, que faciliten l&#039;obtenci\u00f3 de pr\u00e9stecs en situacions que s\u00f3n motiu d&#039;exclusi\u00f3 a altres bancs o financeres.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pr\u00e9stecs online sense n\u00f2mina i sense aval<\/strong>: nom\u00e9s cal acreditar un <strong>ingr\u00e9s regular de qualsevol tipus<\/strong>, que pot ser tamb\u00e9 una prestaci\u00f3. Fins i tot concedim <a href=\"https:\/\/www.avafin.es\/ca\/prestem\/per-a-autonoms\/\"><strong>pr\u00e9stecs per a aut\u00f2noms<\/strong><\/a>.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.avafin.es\/ca\/credits\/rapids-amb-asnef\/\"><strong>Pr\u00e9stecs r\u00e0pids amb Asnef<\/strong><\/a>: estudiem <strong>cada cas de manera individualitzada<\/strong>, sense exclusions pr\u00e8vies autom\u00e0tiques ni posar requisits complicats que es tradueixin en <strong>cr\u00e8dits dif\u00edcils per figurar a RAI, Asnef-Equifax, Experian-Badecug<\/strong> o qualsevol altre fitxer de morositat.<\/li>\n\n\n\n<li><strong>Pr\u00e9stecs online fora d&#039;Espanya: <\/strong>tan sols es requereix <strong>DNI<\/strong>, n\u00famero de <strong>tel\u00e8fon <\/strong>operatiu i <strong>compte obert<\/strong> en un banc espanyol per fer-te la transfer\u00e8ncia, que despr\u00e9s podr\u00e0s enviar f\u00e0cilment al teu compte en un banc estranger o una cartera electr\u00f2nica com la de PayPal.<\/li>\n\n\n\n<li><strong>Pr\u00e9stecs online per a estrangers residents a Espanya<\/strong>: com a documentaci\u00f3 espec\u00edfica, nom\u00e9s necessites la teva <strong>NIE<\/strong> o passaport en vigor.<\/li>\n<\/ul>\n\n\n\n<p>Fem <strong>f\u00e0cils d&#039;aconseguir<\/strong> els <strong>pr\u00e9stecs m\u00e9s dif\u00edcils<\/strong> d&#039;obtenir!<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\">Demana el teu cr\u00e8dit i comprova-ho!<\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center\">Obtingues-ho avui amb AvaFin<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-lendon-imagetextdots av-image-text-dots-container\"><div class=\"av-itd-content-column\"><h2>Avantatges dels pr\u00e9stecs d&#039;AvaFin<\/h2><div class=\"av-itd-inner-blocks-content\"><div class=\"av-dots\"><\/div>\n<p>Tots els nostres<strong> clients<\/strong> sense discriminaci\u00f3 es <strong>beneficien<\/strong> de:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Oportunitat de <strong>triar import i termini de devoluci\u00f3<\/strong>, perqu\u00e8 puguis aconseguir la quantitat exacta que necessites, i escollir la data de liquidaci\u00f3 que m\u00e9s et convingui.<\/li>\n\n\n\n<li>Proc\u00e9s de <strong>sol\u00b7licitud en l\u00ednia molt simple<\/strong>, amb uns quants passos des de l&#039;ordinador o el m\u00f2bil. <strong>Sense paperassa<\/strong>, burocr\u00e0cies <strong>ni explicacions<\/strong> sobre el dest\u00ed dels diners.<\/li>\n\n\n\n<li><strong>Valoraci\u00f3<\/strong> de la petici\u00f3 en nom\u00e9s uns <strong>minuts<\/strong>, i <strong>ingr\u00e9s autom\u00e0tic<\/strong> al moment nom\u00e9s donar llum verda.<\/li>\n\n\n\n<li><strong>Eina de simulaci\u00f3<\/strong> que et permet esbrinar abans de fer la teva sol\u00b7licitud les <strong>condicions associades<\/strong> per a la quantitat i el per\u00edode damortitzaci\u00f3 seleccionats.<\/li>\n\n\n\n<li>Total <strong>abs\u00e8ncia de cobraments ocults o sorpreses desagradables<\/strong> camuflades en lletra petita. Podr\u00e0s comprovar-ho al <strong>contracte<\/strong> que et passarem per correu electr\u00f2nic abans de tancar l&#039;operaci\u00f3.<\/li>\n\n\n\n<li><strong>Claredat absoluta <\/strong>des del principi; no t&#039;estem oferint <strong>pr\u00e9stecs desesperats<\/strong>, sin\u00f3<strong> cr\u00e8dit <\/strong>absolutament <strong>transparent<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p>Si \u00e9s la <strong>primera vegada<\/strong> que ens sol\u00b7licites finan\u00e7ament, podr\u00e0s seleccionar fins <strong>300 euros<\/strong>, amb un per\u00edode d&#039;amortitzaci\u00f3 prolongable a <strong>30 dies<\/strong>.<\/p>\n\n\n\n<p>Per a properes ocasions, conforme ens vagis sol\u00b7licitant i liquidant <strong>pr\u00e9stecs r\u00e0pids nous<\/strong> sense incid\u00e8ncies, premiarem el teu <strong>confian\u00e7a i fidelitat <\/strong>amb augments en les quantitats i condicions m\u00e9s flexibles de liquidaci\u00f3.<\/p>\n\n\n\n<p>Els nostres millors clients poden aconseguir fins i tot <strong>4.000 euros<\/strong> a tornar a <strong>c\u00f2modes quotes<\/strong>!<\/p>\n<\/div><\/div><div class=\"av-itd-image-column\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2025\/11\/dificiles-scaled.jpg\" alt=\"Pr\u00e9stecs dif\u00edcils\" width=\"480\" height=\"480\"\/><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Requisits senzills per sol\u00b7licitar pr\u00e9stecs dif\u00edcils<\/h2>\n\n\n\n<p>Perqu\u00e8 t&#039;aclareixis millor, et <strong>recopilem<\/strong> els diferents <strong>requisits<\/strong> a complir que abans vam veure per separat:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Comptar amb DNI, NIE o passaport en vigor.<\/li>\n\n\n\n<li>Tenir un compte obert amb un banc espanyol.<\/li>\n\n\n\n<li>N\u00famero de tel\u00e8fon operatiu a Espanya o al pa\u00eds on et trobis.<\/li>\n\n\n\n<li>Disposar d\u201fun ingr\u00e9s regular, ja sigui n\u00f2mina o qualsevol modalitat de prestaci\u00f3.<\/li>\n<\/ul>\n\n\n\n<p>No nom\u00e9s concedim <strong>pr\u00e9stecs per <\/strong>&#8216;<strong>casos dif\u00edcils<\/strong>\u2018&#039;, sin\u00f3 que a m\u00e9s <strong>facilitem molt <\/strong>aconseguir!<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\">Tria la quantitat que necessites!<\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center\">Demana el teu pr\u00e9stec a AvaFin<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>\n\n\n\n<section id=\"faq-block_9a5eb5f77aa351b2345101d51af860b3\" class=\"faq\">\n            <h3>Preguntes freq\u00fcents sobre pr\u00e9stecs dif\u00edcils<\/h3>\n        <span class=\"faq-count\">(4)<\/span>\n    \n    \n    <div class=\"faq-wrap\">\n                    <div class=\"accordion text-center\" aria-expanded=\"false\" role=\"button\" aria-controls=\"block_9a5eb5f77aa351b2345101d51af860b3-1\" tabindex=\"0\">\n                <h3>\n                    Quin pr\u00e9stec \u00e9s d&#039;alt risc?                <\/h3>\n                <?xml version=\"1.0\" encoding=\"UTF-8\"?> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"8\" viewbox=\"0 0 14 8\" fill=\"none\"><path d=\"M1 1L7 7L13 1\" stroke=\"#010440\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>             <\/div>\n            <div class=\"qa\" id=\"block_9a5eb5f77aa351b2345101d51af860b3-1\"><p>Un pr\u00e9stec d&#039;alt risc \u00e9s aquell que les entitats tradicionals tendeixen a rebutjar a causa de la <strong>probabilitat d&#039;impagament<\/strong> o la manca de <strong>garanties de cobrament<\/strong>.<\/p>\n<p>Dins d&#039;aquesta categoria entren, per exemple, els pr\u00e9stecs a persones amb morositat a la seva <strong>historial creditici<\/strong>, que no tenen <strong>ingressos regulars<\/strong> o amb circumst\u00e0ncies que poden complicar el <strong>recobrament<\/strong>.<\/p>\n<\/div>\n\n                    <div class=\"accordion text-center\" aria-expanded=\"false\" role=\"button\" aria-controls=\"block_9a5eb5f77aa351b2345101d51af860b3-2\" tabindex=\"0\">\n                <h3>\n                    Quin \u00e9s el tipus de pr\u00e9stec m\u00e9s arriscat?                <\/h3>\n                <?xml version=\"1.0\" encoding=\"UTF-8\"?> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"8\" viewbox=\"0 0 14 8\" fill=\"none\"><path d=\"M1 1L7 7L13 1\" stroke=\"#010440\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>             <\/div>\n            <div class=\"qa\" id=\"block_9a5eb5f77aa351b2345101d51af860b3-2\"><p>Els pr\u00e9stecs m\u00e9s arriscats per als bancs solen ser els que <strong>combinen diversos factors de risc<\/strong>: historial de morositat, abs\u00e8ncia de n\u00f2mina o altres avals com a garantia i manca d&#039;arrelament al pa\u00eds de sol\u00b7licitud.<\/p>\n<p>A <strong>AvaFin<\/strong> apostem per la inclusi\u00f3 financera, per la qual cosa facilitem l&#039;acc\u00e9s al <strong>cr\u00e8dit a clients de tots els perfils<\/strong>, fins i tot als que figuren en fitxers com <strong>ASNEF<\/strong>, sota el compliment de certes condicions.<\/p>\n<\/div>\n\n                    <div class=\"accordion text-center\" aria-expanded=\"false\" role=\"button\" aria-controls=\"block_9a5eb5f77aa351b2345101d51af860b3-3\" tabindex=\"0\">\n                <h3>\n                    Com aconsegueixo diners urgents?                <\/h3>\n                <?xml version=\"1.0\" encoding=\"UTF-8\"?> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"8\" viewbox=\"0 0 14 8\" fill=\"none\"><path d=\"M1 1L7 7L13 1\" stroke=\"#010440\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>             <\/div>\n            <div class=\"qa\" id=\"block_9a5eb5f77aa351b2345101d51af860b3-3\"><p>Si necessites diners urgents, encara amb un perfil complicat, pots sol\u00b7licitar-los online a trav\u00e9s de<strong> AvaFin<\/strong>.<\/p>\n<p>El nostre sistema permet tramitar cr\u00e8dits r\u00e0pids en l\u00ednia en minuts, amb <strong>transfer\u00e8ncia immediata<\/strong> nom\u00e9s aprovar-se la sol\u00b7licitud.<\/p>\n<p>Si <strong>estic desesperat\/da i necessito diners<\/strong> urgent no conv\u00e9 arriscar-se amb pr\u00e9stecs dubtosos quan se&#039;n pot aconseguir un amb totes les garanties.<\/p>\n<\/div>\n\n                    <div class=\"accordion text-center\" aria-expanded=\"false\" role=\"button\" aria-controls=\"block_9a5eb5f77aa351b2345101d51af860b3-4\" tabindex=\"0\">\n                <h3>\n                    Quines financeres accepten ASNEF?                <\/h3>\n                <?xml version=\"1.0\" encoding=\"UTF-8\"?> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"8\" viewbox=\"0 0 14 8\" fill=\"none\"><path d=\"M1 1L7 7L13 1\" stroke=\"#010440\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>             <\/div>\n            <div class=\"qa\" id=\"block_9a5eb5f77aa351b2345101d51af860b3-4\"><p>La <strong>majoria d&#039;entitats banc\u00e0ries i financeres<\/strong> no concedeix finan\u00e7ament als que figuren a <strong>ASNEF<\/strong>.<\/p>\n<p>A <strong>AvaFin<\/strong>, en canvi, s\u00ed que valorem sol\u00b7licituds amb ASNEF, RAI o Experian. Avaluem cada cas de manera personalitzada, <strong>sense exclusions per endavant<\/strong>.<\/p>\n<\/div>\n\n            <\/div>\n    \n<\/section>\n\n\n\n<section id=\"cards-group-block_065f2e1ea65159401bf68030a062cc3d\" class=\"av-cards-group   av-cards-group-3 av-card-group-standard\" >\n            <div id=\"card-0\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <div class=\"av-cards-group-img-container\">\n                        <img decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2024\/07\/easiness_red.png\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"Disponibilitat\"\/>\n                    <\/div>\n                                                <h3><p>Pr\u00e9stecs oberts a totes les persones<\/p>\n<\/h3>\n                                                <p><p>Apostem per uns serveis financers sense exclusions. No deixem fora per endavant ning\u00fa, ni per no tenir n\u00f2mina ni per no poder mostrar un historial creditici perfecte.<\/p>\n<\/p>\n                                    <\/div>\n            <div id=\"card-1\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <div class=\"av-cards-group-img-container\">\n                        <img decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2024\/08\/stopwatch_red.png\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"R\u00e0pidesa\"\/>\n                    <\/div>\n                                                <h3><p>Pr\u00e9stecs f\u00e0cils d&#039;obtenir i gestionar<\/p>\n<\/h3>\n                                                <p><p>Demanem uns requisits m\u00ednims molt assequibles. Amb una gesti\u00f3 r\u00e0pida en l\u00ednia en pocs passos des de qualsevol dispositiu. Ingressem els diners en minuts.<\/p>\n<\/p>\n                                    <\/div>\n            <div id=\"card-2\"\n            class=\"av-card\"\n            style=\"\"\n                    >\n                                <div class=\"av-cards-group-img-container\">\n                        <img decoding=\"async\" src=\"https:\/\/www.avafin.es\/wp-content\/uploads\/2024\/05\/star_with_check_red-1.jpg\" width=\"48\" height=\"48\" loading=\"lazy\" alt=\"Transpar\u00e8ncia\"\/>\n                    <\/div>\n                                                <h3><p>M\u00e0xima transpar\u00e8ncia<\/p>\n<\/h3>\n                                                <p><p>Condicions clares des del primer moment i sense lletra petita. Amb el nostre simulador saps tota la informaci\u00f3 clau del teu pr\u00e9stec abans de sol\u00b7licitar-ho.<\/p>\n<\/p>\n                                    <\/div>\n    <\/section>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\">Demana el teu pr\u00e9stec dif\u00edcil en l\u00ednia de manera senzilla i r\u00e0pida<\/h3>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center\">Obtingues-ho avui amb AvaFin<\/p>\n\n\n\n<div style=\"margin: auto;\" class=\"flex flex-res\">\n<a id=\"av-get-loan\" class=\"btn btn-cta btn-lg force-data-base-url\" href=\"https:\/\/portal.avafin.es\/wp-registerCreditosi\" style=\"display: inline-block; margin: auto\">Sol\u00b7licitar<\/a>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>AvaFin creiem en un finan\u00e7ament inclusiu, obert a tothom. Sota la nostra filosofia, no excloem per endavant persones amb un perfil financer complicat. Aix\u00ed, podem concedir pr\u00e9stecs a clients que no tenen un salari com a tal, han figurat en registres de morositat o resideixen en un pa\u00eds estranger. Tres situacions que compliquen molt [\u2026]<\/p>","protected":false},"author":32,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-7365","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pr\u00e9stamos dif\u00edciles | AvaFin Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Damos acceso al cr\u00e9dito en situaciones que dificultan su obtenci\u00f3n, desde por antecedentes de morosidad hasta por ausencia de n\u00f3mina.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.avafin.es\/ca\/prestem\/dificils\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" 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