{"id":412,"date":"2017-09-30T17:58:34","date_gmt":"2017-09-30T14:58:34","guid":{"rendered":"https:\/\/financer.lt\/?post_type=company_single&#038;p=412"},"modified":"2024-09-04T16:59:05","modified_gmt":"2024-09-04T13:59:05","slug":"smspinigai","status":"publish","type":"company_single","link":"https:\/\/financer.lt\/kompanija\/smspinigai\/","title":{"rendered":"SMSpinigai"},"content":{"rendered":"\n<p>SMSpinigai &#8211; Lietuvoje gerai \u017einomas skolintojas, teikiantis paskolas jau daugiau nei 10 met\u0173. Bendrov\u0117 teikia greituosius kreditus, refinansavim\u0105, bei kredito linij\u0105.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<ul>\n<li><strong>Ta\u010diau ar SMSpinigai &#8211; tikrai geras pasirinkimas? <\/strong>Kokia tikroji paskolos kaina? Kokios yra geros alternatyvos?<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><p>\u0160ioje ap\u017evalgoje detaliai aptariame SMSpinigai \u012fkainius, privalumus, bei tr\u016bkumus. Taip pat, pateiksime pagrindines alternatyvas bei m\u016bs\u0173 verdikt\u0105. Prad\u0117kime!<\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\">S\u0105lygos Trumpai<\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>Ypatumai<\/th><th>SMSpinigai S\u0105lygos<\/th><\/tr><\/thead><tbody><tr><td>Ma\u017eiausia paskola<\/td><td>100\u20ac<\/td><\/tr><tr><td>Did\u017eiausia paskola<\/td><td>5000\u20ac (greitasis) \/ 10 000\u20ac (vartojimo)<\/td><\/tr><tr><td>Gr\u0105\u017einimo terminai<\/td><td>Nuo 3 m\u0117n. iki 7 met\u0173<\/td><\/tr><tr><td>Minimalus am\u017eius<\/td><td>19 met\u0173<\/td><\/tr><tr><td>Pal\u016bkan\u0173 norma<\/td><td>Nuo 3.67%<\/td><\/tr><tr><td>BVKKMN (bendra kaina)<\/td><td>Nuo 21.99% iki 59.95%<\/td><\/tr><tr><td>Pinigai t\u0105 pa\u010di\u0105 dien\u0105<\/td><td><img decoding=\"async\" width=\"20\" height=\"23\" class=\"wp-image-34850\" style=\"width: 20px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2023\/02\/proscut-e1675876729914.png\" alt=\"\"><\/td><\/tr><tr><td>Atsakymas d\u0117l kredito<\/td><td>Per 15 minu\u010di\u0173<\/td><\/tr><tr><td>Nemokama pirma paskola<\/td><td>Taip, iki 1000\u20ac iki 1 met\u0173 laikotarpiui<\/td><\/tr><tr><td>Refinansavimo paslaugos<\/td><td><img decoding=\"async\" width=\"20\" height=\"23\" class=\"wp-image-34850\" style=\"width: 20px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2023\/02\/proscut-e1675876729914.png\" alt=\"\"><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div class=\"fn_block block_fn_button block_fn_button__sponsored buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.lt\/kompanija\/smspinigai\/redirect\/\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_blank\"  rel=\"sponsored nofollow\">Pildyk Parai\u0161k\u0105<span class=\"block_fn_button__sponsored-text\">Remiama<\/span><\/a><\/div>\n\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p><em>Paskola &#8211; rimtas finansinis \u012fsipareigojimas. Skolinkit\u0117s atsakingai.<\/em><\/p>\n<p><em>\u012evertinkite, ar sugeb\u0117site \u012fmokas mok\u0117ti laiku &#8211; susikaupusios skolos gali neigiamai paveikti j\u016bs\u0173 gyvenimo kokyb\u0119.<\/em><\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Apie_kompanij\">Apie kompanij\u0105<\/h2>\n\n\n<div class=\"wp-block-image is-resized shortcode-no\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"300\" height=\"54\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2023\/09\/nordecum-logo-300x54.png\" alt=\"\" class=\"wp-image-63925\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2023\/09\/nordecum-logo-300x54.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2023\/09\/nordecum-logo-702x129.png 702w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2023\/09\/nordecum-logo.png 720w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/figure><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\">\n\n\n\n<p>SMSPinigai &#8211; skolinimosi portalas, Lietuvoje veikiantis jau vir\u0161 de\u0161imtme\u010dio. I\u0161 ties\u0173, tai yra vienas populiariausi\u0173 greit\u0173j\u0173 kredit\u0173 teik\u0117j\u0173 Lietuvoje.<\/p>\n\n\n\n<ul>\n<li>SMSPinigai portalas yra valdomas \u012fmon\u0117s <strong>UAB Nordecum<\/strong>. <\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<p>\u0160i bendrov\u0117 taip pat valdo ir &#8220;Paskolos.LT&#8221; skolinimosi portal\u0105. D\u0117l \u0161ios prie\u017easties, SMSpinigai bei Paskolos.lt s\u0105lygos yra beveik identi\u0161kos.<\/p>\n\n\n\n<p>UAB Nordecum yra itin s\u0117kminga &#8211; 2022 metais pardavim\u0173 pajamos siek\u0117 net 4.76 Milijonus Eur\u0173, o grynasis pelnas &#8211; vir\u0161 242 t\u016bkstan\u010di\u0173 eur\u0173.<\/p>\n\n\n\n<p>UAB Nordecum buvo \u012fkurta dar 2010 metais, turi 24 darbuotojus, bei valdo preki\u0173 \u017eenklus &#8220;SMSPINIGAI&#8221;, &#8220;PASKOLOS.LT&#8221;, &#8220;Kreditai visiems gyvenimo atvejams&#8221; bei &#8220;Pinigai yra netoli&#8221;.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"SMSpinigai___privalumai__Trkumai\">SMSpinigai &#8211; privalumai &amp; Tr\u016bkumai<\/h2>\n\n\n\n<p>SMSpinigai gali pasi\u016blyti nema\u017eai privalum\u0173 tiek naujiems, tiek nuolatiniams savo klientams. \u017dinoma, tr\u016bkum\u0173 taip pat yra. <\/p>\n\n\n\n<p>Aptarkime pagrindinius privalumus, kuriuos gali suteikti \u0161is skolintojas, o taip pat pakalb\u0117kime ir apie pasteb\u0117tus tr\u016bkumus.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"SMSpinigai_privalumai\">SMSpinigai privalumai<\/h3><li><p><strong>Paskol\u0173 \u012fvairov\u0117<\/strong> &#8211; \u012fmon\u0117 si\u016blo net 10 skirting\u0173 paskol\u0173 tip\u0173<\/p>\n<\/li><li><p><strong>Lanks\u010dios s\u0105lygos<\/strong> &#8211; galima prat\u0119sti termin\u0105, arba gr\u0105\u017einti anks\u010diau<\/p>\n<\/li><li><p><strong>Patogi kredito linija<\/strong> &#8211; metin\u0117s pal\u016bkanos nuo 16% iki 75%<\/p>\n<\/li><li><p><strong>Greitas suteikimas<\/strong> &#8211; pinigus gausite t\u0105 pa\u010di\u0105 dien\u0105<\/p>\n<\/li><li><p><strong>Pirma paskola nemokamai<\/strong> &#8211; iki 1000\u20ac, iki 12 m\u0117n. terminui<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"SMSpinigai_trkumai\">SMSpinigai tr\u016bkumai<\/h3><li><p><strong>Auk\u0161ti administravimo mokes\u010diai<\/strong> &#8211; i\u0161brangina paskol\u0105<\/p>\n<\/li><li><p><strong>Svyruojantys klient\u0173 atsiliepimai<\/strong> &#8211; yra neigiam\u0173 patir\u010di\u0173<\/p>\n<\/li><li><p><strong>Refinansavimas brangesnis<\/strong> nei dalies konkurent\u0173<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.lt\/pasiskolink\/refinansavimas\/\" class=\"button  is-rounded is-primary is-medium\" target=\"_blank\"  >Rask pigiausi\u0105 refinansavim\u0105\u2192<\/a><\/div>\n\n\n\t\t<div id=\"genericloan_1_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg1\"><h3>Palygink paskolas i\u0161 23 skolintoj\u0173<\/h3><p>Rask pigiausi\u0105 kain\u0105 vienu paspaudimu<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"10000\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.lt\/rezultatai?query=1&param_amount=10000&param_period=360&\" data-slider-url=\"https:\/\/financer.lt\/rezultatai?query=1&param_amount=10000&param_period=360&\" data-required=\"rezultatai?query=1param_amount=10000&param_period=360&\" class=\"get_results compare button is-primary is-medium is-rounded\">Palyginti pasi\u016blymus<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Kam_SMSpinigai___tinkamiausia\">Kam SMSpinigai &#8211; tinkamiausia?<\/h2>\n\n\n\n<p>SMSpinigai &#8211; skolintojas, galintis reikiam\u0105 paskol\u0105 suteikti greitai.<\/p>\n\n\n\n<p>Jei jums prireik\u0117 pinig\u0173 skubiai, bei norite pasinaudoti galimybe gauti paskol\u0105 nemokamai (jei i\u0161 SMSpinigai skolinat\u0117s pirm\u0105 kart\u0105) &#8211; \u0161i bendrov\u0117 yra <strong>geras pasirinkimas<\/strong>.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>Taip pat SMSpinigai tinkama ir norintiems atsidaryti kredito linij\u0105 &#8211; j\u0173 si\u016bloma kreditin\u0117 suteikia Cashback iki 2%<\/p><p class=\"has-text-centered\">\n\t    <a href=\"https:\/\/financer.lt\/kompanija\/smspinigai\/redirect\/\" rel=\"sponsored nofollow\" target=\"_blank\" class=\"button is-normal is-primary is-rounded is-large\">Gauk kredito linij\u0105 <span class=\"block_fn_msg_box__sponsored\">Remiama<\/span><\/a>\n\t<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Kaip_pateikti_paraik_3_bdai\">Kaip pateikti parai\u0161k\u0105? 3 b\u016bdai<\/h2>\n\n\n\n<ul>\n<li><strong>Internetu.<\/strong> Nesvarbu, kur beb\u016btum\u0117te, jei turite interneto ry\u0161\u012f, galite pateikti parai\u0161k\u0105 kreditui internetu. Paskolos internetu yra saugus kredit\u0173 gavimo b\u016bdas.<\/li>\n\n\n\n<li><strong>Atvyk\u0119 \u012f ofis\u0105.<\/strong> Smspinigai.lt dirba be i\u0161eigini\u0173 jums patogiu metu \u2013 darbo dienomis nuo\u00a08:00 iki 20:00 ir savaitgaliais nuo\u00a010:00 iki 18:00.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>SMS \u017einute.<\/strong> Pinigus \u012f savo banko s\u0105skait\u0105 gausite per 15 minu\u010di\u0173. <br>Tur\u0117kite omenyje, jog \u017einut\u0117s kaina yra 0,30 EUR, tad prie\u0161 kreipdamiesi d\u0117l paskolos SMS \u017einute, pasitikrinkite savo telefono s\u0105skaitos balans\u0105.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Kaip_gauti_SMS_paskolu0105\">Kaip gauti SMS paskol\u0105?<\/h3><p>U\u017esiregistrav\u0119 smspinigai.lt internetin\u0117je svetain\u0117je, i\u0161si\u0173skite SMS \u017einut\u0119 su kodu <em>SOS suma terminas slapta\u017eodis <\/em>(nepamir\u0161kite\u00a0nurodyti norimos sumos ir gr\u0105\u017einimo termino).<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Kaip_gauti_SMSpinigai_paskol\">Kaip gauti SMSpinigai paskol\u0105?<\/h2>\n\n\n\n<p>Gauti paskol\u0105 internetu yra paprasta &#8211; visk\u0105 sutvarkyti galite nei\u0161\u0117j\u0119 i\u0161 nam\u0173, o pinigus gausite dar t\u0105 pa\u010di\u0105 dien\u0105.<\/p>\n\n\n\n<p>Aptarkime, kaip u\u017epildyti parai\u0161k\u0105 bei gauti l\u0117\u0161as.<\/p>\n\n\n<h4>\u017dingsniai<\/h4><div class=\"single-article__steps-toc_step\"><a href=\"#step_1\">1. Apsilankyk SMSpinigai bei Prad\u0117k Registracij\u0105<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_2\">2. U\u017epildyk Duomenis<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_3\">3. Patvirtink Tapatyb\u0119<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_4\">4. Pateik Parai\u0161k\u0105<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_5\">5. Pasira\u0161yk Sutart\u012f bei Gauk Pinigus!<\/a><\/div><div class=\"single-article__steps\">        <style>\n            .single-article__steps-items .single-article__steps-content {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n                width: calc(100% - 5px);\n            }\n            .single-article__steps-items .single-article__steps-counter {\n                padding: 5px 20px;\n                border-radius: 3px;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n\/*            .single-article__steps-items::before {\n                content: \"\";\n                position: absolute;\n                top: 20px;\n                left: 0;\n                height: calc(100% + 40px);\n                border-left: 2px dashed #e0e0e1;\n            }*\/\n            .single-article__conclusion-tag {\n                padding: 5px 20px;\n                border-radius: 3px;\n                color: #000000;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n            .single-article__conclusion-item {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n            }\n        <\/style>\n        <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">1 \u017dingsnis<\/div><div class=\"single-article__steps-content\"><h3 id=\"Apsilankyk-SMSpinigai-bei-Pradek-Registracija\">Apsilankyk SMSpinigai bei Prad\u0117k Registracij\u0105<\/h3><p>Pirmas \u017eingsnis &#8211; apsilankyti <a href=\"https:\/\/financer.lt\/kompanija\/smspinigai\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">SMSpinigai.lt<\/a><\/p>\n<p>Parai\u0161k\u0105 gali teikti tik registruoti lankytojai, tad i\u0161 prad\u017ei\u0173 jums reik\u0117s sukurti paskyr\u0105 &#8211; tai yra visi\u0161kai nemokama.<\/p>\n<p>Apsilankius portale, spauskite ,,Prisijungti&#8221; vir\u0161uje de\u0161in\u0117je, o sekan\u010diame lange &#8211; spustelkite \u017eali\u0105 mygtuk\u0105 ,,Registruotis&#8221;.<\/p>\n<hr>\n<p><img decoding=\"async\" class=\"alignnone size-large wp-image-63968\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2017\/09\/smspinigai-registracija-1-1024x513.png\" alt=\"\" width=\"1024\" height=\"513\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2017\/09\/smspinigai-registracija-1-1024x513.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2017\/09\/smspinigai-registracija-1-300x150.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2017\/09\/smspinigai-registracija-1-768x385.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2017\/09\/smspinigai-registracija-1.png 1470w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">2 \u017dingsnis<\/div><div class=\"single-article__steps-content\"><h3 id=\"Uzpildyk-Duomenis\">U\u017epildyk Duomenis<\/h3><p>Sekantis \u017eingsnis &#8211; suteikti duomen\u0173, reikaling\u0173 registracijai.<\/p>\n<p>Reikalingi \u0161ie duomenys:<\/p>\n<ul>\n<li>Vardas bei Pavard\u0117<\/li>\n<li>Telefono numeris<\/li>\n<li>El. Pa\u0161tas<\/li>\n<li>Asmens Kodas<\/li>\n<li>Adresas<\/li>\n<\/ul>\n<hr>\n<p><img decoding=\"async\" class=\"alignnone size-large wp-image-63972\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2017\/09\/smspinigai-registracija-2-1024x812.png\" alt=\"\" width=\"1024\" height=\"812\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2017\/09\/smspinigai-registracija-2-1024x812.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2017\/09\/smspinigai-registracija-2-300x238.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2017\/09\/smspinigai-registracija-2-768x609.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2017\/09\/smspinigai-registracija-2.png 1082w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">3 \u017dingsnis<\/div><div class=\"single-article__steps-content\"><h3 id=\"Patvirtink-Tapatybe\">Patvirtink Tapatyb\u0119<\/h3><p>U\u017epild\u017eius duomenis, reik\u0117s patvirtinti savo paskyr\u0105.<\/p>\n<p>Tam reik\u0117s atlikti 0.01\u20ac pavedim\u0105 i\u0161 savo banko s\u0105skaitos \u012f vien\u0105 i\u0161 SMSpinigai s\u0105skait\u0173. Taip bus patvirtinta j\u016bs\u0173 banko paskyra, bei \u012f j\u0105 gal\u0117s b\u016bti pervedami pinigai.<\/p>\n<p>\u0160is mokestis mokamas tik vien\u0105 kart\u0105 &#8211; sekan\u010dioms paskoloms jo mok\u0117ti nereik\u0117s.<\/p>\n<hr>\n<h4>SMSpinigai banko s\u0105skaitos<\/h4>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-63976\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2017\/09\/smspinigai-registracija-3.png\" alt=\"\" width=\"685\" height=\"394\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2017\/09\/smspinigai-registracija-3.png 685w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2017\/09\/smspinigai-registracija-3-300x173.png 300w\" sizes=\"(max-width: 685px) 100vw, 685px\" \/><\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_4\">4 \u017dingsnis<\/div><div class=\"single-article__steps-content\"><h3 id=\"Pateik-Paraiska\">Pateik Parai\u0161k\u0105<\/h3><p>Gal\u0173 gale, gal\u0117site i\u0161sirinkti kokio dyd\u017eio bei termino paskolos norite.<\/p>\n<p>I\u0161sirink\u0119 tinkam\u0105 termin\u0105 bei paskolos dyd\u012f, gal\u0117site i\u0161kart (nemokamai) pateikti parai\u0161k\u0105 nagrin\u0117jimui. I\u0161nagrin\u0117jus parai\u0161k\u0105, su jumis susisieks SMSpinigai darbuotojai (SMS \u017einute arba el.pa\u0161tu).<\/p>\n<p><em><strong>D\u0117mesio!<\/strong> Paskola &#8211; rimtas finansinis \u012fsipareigojimas Paskolos dyd\u012f bei termin\u0105 rinkit\u0117s atsargiai. Per didel\u0117 paskola gali neigiamai paveikti j\u016bs\u0173 gyvenimo kokyb\u0119.<\/em><\/p><\/div><\/div>            <div class=\"single-article__conclusion\">\n                <div class=\"single-article__conclusion-tag\" id=\"step_5\">I\u0161vada<\/div>\n                <div class=\"single-article__conclusion-item\">\n                    <div class=\"single-article__conclusion-content\">\n                                                    <h3>Pasira\u0161yk Sutart\u012f bei Gauk Pinigus!<\/h3>\n                                                <p>Jei i\u0161 SMSpinigai komandos gausite teigiam\u0105 atsakym\u0105, jums bus pasi\u016blyta paskolos sutartis.<\/p>\n<p>Atid\u017eiai \u012fsigilinkite \u012f sutarties s\u0105lygas &#8211; pasira\u0161\u0119 sutart\u012f, tapsite finansi\u0161kai \u012fsipareigoj\u0119. Po pasira\u0161ymo, paskolos l\u0117\u0161os netrukus bus pervestos \u012f j\u016bs\u0173 banko s\u0105skait\u0105. S\u0117km\u0117s!<\/p>                    <\/div>\n                <\/div>\n            <\/div>\n            <\/div>\n\n<div class=\"fn_block block_fn_button block_fn_button__sponsored buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.lt\/kompanija\/smspinigai\/redirect\/\" class=\"button  is-rounded is-primary is-large\" target=\"_blank\"  rel=\"sponsored nofollow\">Pateik Parai\u0161k\u0105 Dabar \u2192<span class=\"block_fn_button__sponsored-text\">Remiama<\/span><\/a><\/div>\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg1\">\n\t\t\t\t<h3>Sutaupyk iki <span class=\"compare-amount\">85,00 \u20ac <\/span> nuo paskolos kainos<\/h3>\n\t\t\t\t<p>Kainos skirtumas 500,00 \u20ac paskolai su 90 dien\u0173 terminu yra 85,00 \u20ac.<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financer.lt\/rezultatai\/?query=1&filter_non_affiliate=1&param_amount=500&param_period=90\" class=\"button is-normal is-primary is-rounded\">Su\u017einok kaip<\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\" id=\"SMSpinigai_paslaugos\">SMSpinigai paslaugos<\/h2>\n\n\n\n<p>SMSpinigai teikia plataus spektro finansines paslaugas &#8211; \u010dia galite gauti tiek greituosius kreditus, tiek vartojimo paskolas, tiek refinansavim\u0105.<\/p>\n\n\n\n<p>\u017demiau pateikiame SMSpinigai teikiam\u0173 finansini\u0173 paslaug\u0173 tipus:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ol class=\"check\"><h3 id=\"Teikiamos_paslaugos\">Teikiamos paslaugos<\/h3><li><p>Greitieji kreditai<\/p>\n<\/li><li><p>Vartojimo kreditai<\/p>\n<\/li><li><p>Kreditas remontui<\/p>\n<\/li><li><p>Autokreditas<\/p>\n<\/li><li><p>Paskola su N.T. \u012fkeitimu (iki 100 000\u20ac)<\/p>\n<\/li><li><p>Refinansavimas<\/p>\n<\/li><li><p>Kreditin\u0117 kortel\u0117<\/p>\n<\/li><\/ol><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Paskol_refinansavimas\">Paskol\u0173 refinansavimas<\/h2>\n\n\n\n<p>K\u0105 tur\u0117tum\u0117te daryti, jei pasiskolinote, bet nebegalite susidoroti su\u00a0turim\u0173 paskol\u0173 mok\u0117jimais? Paskolos refinansavimas, kur\u012f taip pat si\u016blo smspinigai, gali b\u016bti naudingas.\u00a0<\/p>\n\n\n\n<p>Paskolos refinansavimas rei\u0161kia, kad SMSpinigai padengs visus j\u016bs\u0173 \u012fsiskolinimus bei juos perkels pas save, \u012f vien\u0105 paskol\u0105.<\/p>\n\n\n\n<p>Taip mok\u0117site tik po vien\u0105 \u012fmok\u0105 per m\u0117nes\u012f, bei gausite ir kit\u0173 privalum\u0173.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><h3 id=\"Kodu0117l_verta_refinansuoti\">Kod\u0117l verta refinansuoti?<\/h3><li><p><strong>Suma\u017e\u0117jusios \u012fmokos.<\/strong><\/p>\n<p>Mok\u0117site iki 30% ma\u017eesnes \u012fmokas.<\/p>\n<\/li><li><p><strong>Galimyb\u0117 prat\u0119sti termin\u0105.<\/strong><\/p>\n<p>Prat\u0119sdami termin\u0105, dar labiau suma\u017einsite finansin\u0119 na\u0161t\u0105.<\/p>\n<\/li><li><p><strong>Ma\u017eesn\u0117s mokamos pal\u016bkanos.<\/strong><\/p>\n<p>Refinansavus, pal\u016bkanos gali suma\u017e\u0117ti net kelis kartus.<\/p>\n<\/li><li><p><strong>Plataus spektro refinansavimas.<\/strong><\/p>\n<p>Galite refinansuoti greit\u0173j\u0173 kredit\u0173, lizingo, bank\u0173, kredito unij\u0173 \u012fsiskolinimus.<\/p>\n<\/li><li><p><strong>Pla\u010dios refinansavimo galimyb\u0117s.<\/strong><\/p>\n<p>Galite refinansuoti iki 10 000 eur\u0173 siekian\u010dius \u012fsiskolinimus.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Palkanos_ir_BVKKMN\">Pal\u016bkanos ir BVKKMN<\/h2>\n\n\n\n<p>SMSpinigai &#8211; vis\u0173 pirma yra greit\u0173j\u0173 paskol\u0173 teik\u0117jas.<\/p>\n\n\n\n<p>Tai rei\u0161kia, jog teikiamos paskolos bus kiek brangesn\u0117s nei kit\u0173 bendrovi\u0173, u\u017esiiman\u010di\u0173 vartojimo paskol\u0173 teikimu.<\/p>\n\n\n\n<p>\u017dinoma, SMSpinigai si\u016blo pal\u016bkanas nuo 3.67% (vienas \u017eemiausi\u0173 rinkoje), ta\u010diau tikroji paskolos kaina slypi <strong>administravimo mokes\u010diuose<\/strong>.<\/p>\n\n\n\n<ul>\n<li>SMSpinigai BVKKMN siekia tarp 21.99-59.95%<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Kainos_pavyzdys\">Kainos pavyzdys<\/h3>\n\n\n\n<p>Kaip pavyzd\u012f pasirinkime 5 000\u20ac paskol\u0105 1 met\u0173 terminui. \u017demiau pateikiame preliminarias \u012fmokas &#8211; \u012fvertinkime \u012fkainius.<\/p>\n\n\n<div class=\"wp-block-image is-resized shortcode-no\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"748\" height=\"868\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2023\/09\/smspinigai-bvkkmn.png\" alt=\"\" class=\"wp-image-63995\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2023\/09\/smspinigai-bvkkmn.png 748w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2023\/09\/smspinigai-bvkkmn-259x300.png 259w\" sizes=\"(max-width: 748px) 100vw, 748px\" \/><figcaption class=\"wp-element-caption\">Preliminarios S\u0105lygos @SMSpinigai.lt<\/figcaption><\/figure><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Palkanos___emos\">Pal\u016bkanos &#8211; \u017demos<\/h3>\n\n\n\n<p>Kaip matote, pal\u016bkanos n\u0117ra didel\u0117s &#8211; jos yra skai\u010diuojamos nuo likusios gr\u0105\u017einti sumos, tad kiekvien\u0105 m\u0117nes\u012f ma\u017e\u0117ja.<\/p>\n\n\n\n<p>Pirm\u0105j\u012f m\u0117nes\u012f pal\u016bkanos sudaro 20.58\u20ac, o jau u\u017e pus\u0117s met\u0173 krenta iki 8.73\u20ac, kol paskutin\u012f m\u0117nes\u012f teks sumok\u0117ti tik 1.47\u20ac pal\u016bkan\u0173. <\/p>\n\n\n\n<p>Kita vertus, <strong>administracinis mokestis nema\u017e\u0117ja<\/strong> &#8211; kas m\u0117nes\u012f teks mok\u0117ti po 36-46\u20ac. Tai yra \u017eenkliai daugiau nei pal\u016bkanos.<\/p>\n\n\n\n<p>Viso gr\u0105\u017einama suma &#8211; 5581.10\u20ac, o bendra paskolos kaina &#8211; 581.10\u20ac.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Administraciniai_mokesiai___brangs\">Administraciniai mokes\u010diai &#8211; brang\u016bs<\/h3><p>Bendra paskolos kaina yra 581.10\u20ac, o i\u0161 j\u0173 administraciniai mokes\u010diai sudaro net 466.25\u20ac.<\/p>\n<p><strong>Administraciniai mokes\u010diai sudaro net &gt;80% paskolos kainos.<\/strong><\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"SMSpinigai___Ms_Verdiktas\">SMSpinigai &#8211; M\u016bs\u0173 Verdiktas<\/h2>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n<div class=\"wp-block-image is-resized shortcode-no\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"300\" height=\"129\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2023\/03\/smspinigai-transparent-e1691697903550-300x129.png\" alt=\"\" class=\"wp-image-41534\" style=\"width:200px\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2023\/03\/smspinigai-transparent-e1691697903550-300x129.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2023\/03\/smspinigai-transparent-e1691697903550.png 373w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/figure><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<p>Nepaisant didesni\u0173 administracini\u0173 mokes\u010di\u0173, <strong>SMSpinigai yra gan\u0117tinai geras pasirinkimas<\/strong> tiems, kuriems pinig\u0173 prireikia skubiai.<\/p>\n\n\n\n<p>\u017dinoma, SMSpinigai paskolos bus brangesn\u0117s u\u017e dal\u012f konkurent\u0173, ta\u010diau pinigai yra suteikiami greitai, be to, galima pasiskolinti nemokamai.<\/p>\n\n\n\n<ul>\n<li>M\u016bs\u0173 bendras vertinimas: <strong>3.8 i\u0161 5<\/strong><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\">\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>Ypatumas<\/th><th>M\u016bs\u0173 Vertinimas<\/th><\/tr><\/thead><tbody><tr><td>Paskol\u0173 Kainos<\/td><td>\u2b50\u2b50\u2b50<\/td><\/tr><tr><td>Parai\u0161kos Teikimo Procesas<\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td>Paskol\u0173 Terminai<\/td><td>\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td>Klient\u0173 Aptarnavimas<\/td><td>\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td>Skaidrumas<\/td><td>\u2b50\u2b50\u2b50<\/td><\/tr><tr><td>Bendras \u012evertinimas<\/td><td><strong>3.8 \/ 5<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Kas_mums_patiko\">Kas mums patiko\u00a0<img decoding=\"async\" width=\"20\" height=\"23\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2023\/02\/proscut-e1675876729914.png\" alt=\"\"><\/h3>\n\n\n\n<p>SMSpinigai mus nud\u017eiugino lankstumu &#8211; \u010dia pateikti parai\u0161k\u0105 paprasta, o paskol\u0105 galima gauti dar t\u0105 pa\u010di\u0105 dien\u0105 (net jei esate naujas klientas). <\/p>\n\n\n\n<p>Be to, pravarti ir galimyb\u0117 pirm\u0105 kart\u0105 pasiskolinti nemokamai &#8211; tai svarbus privalumas tiems, kas dar nesinaudojo SMSpinigai paslaugomis.<\/p>\n\n\n\n<p>Taip pat, SMSpinigai yra pigesnis pasirinkimas u\u017e dal\u012f kit\u0173 greit\u0173j\u0173 paskol\u0173 teik\u0117j\u0173.<\/p>\n\n\n\n<p>\u0160io skolintojo BVKKMN apsiriboja ties 59.95%, o kit\u0173 bendrovi\u0173 \u012fkainiai gali siekti ir vir\u0161 100%. Pavyzd\u017eiui, <a href=\"https:\/\/financer.lt\/kompanija\/bobutes-paskola\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bobut\u0117s Paskola<\/a> &#8211; \u010dia BVKKMN gali siekti 136.27%.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"K_galima_tobulinti\">K\u0105 galima tobulinti\u00a0<img decoding=\"async\" width=\"20\" height=\"23\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2022\/12\/cons-e1675876970450.png\" alt=\"\"><\/h3>\n\n\n\n<p>Pagrindinis aspektas, kur\u012f vert\u0117t\u0173 tobulinti &#8211; \u012fkaini\u0173 skaidrumas.<\/p>\n\n\n\n<p>Bendrov\u0117 si\u016blo pal\u016bkanas nuo 3.67%, bet tokios ma\u017eos pal\u016bkanos apgaulingos &#8211; taikomas administracinis mokestis sudaro net 9% per metus.<\/p>\n\n\n\n<p>Be to, skirtingai nuo pal\u016bkan\u0173, administravimo mokestis lieka toks pats iki pat kol paskola gr\u0105\u017einta (t.y. su laiku nema\u017e\u0117ja).<\/p>\n\n\n\n<p>Pavyzd\u017eiui, pasirink\u0119 5000\u20ac paskol\u0105 12 m\u0117n. terminui, preliminariai sumok\u0117site 79.39\u20ac pal\u016bkan\u0173, bei net 450\u20ac administravimo mokes\u010di\u0173.<\/p>\n\n\n<div class=\"fn_block block_fn_button block_fn_button__sponsored buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.lt\/kompanija\/smspinigai\/redirect\/\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_blank\"  rel=\"sponsored nofollow\">Skolinkis su SMSpinigai<span class=\"block_fn_button__sponsored-text\">Remiama<\/span><\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"SMSpinigai_alternatyvos\">SMSpinigai alternatyvos<\/h2>\n\n\n\n<p>Renkantis paskol\u0105, yra svarbu \u012fvertinti kelet\u0105 pasirinkim\u0173 bei pateikti kelet\u0105 parai\u0161k\u0173 &#8211; taip rasite pat\u012f pigiausi\u0105 variant\u0105.<\/p>\n\n\n\n<p>\u017demiau pateikiame kelet\u0105 skolintoj\u0173, kurie teikia kreditus visiems gyvenimo atvejams gan\u0117tinai geromis s\u0105lygomis.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Pagrindins_Alternatyvos\">Pagrindin\u0117s Alternatyvos<\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>S\u0105lygos<\/th><th>SMSPINIGAI<\/th><th>FinBee<\/th><th>SAVY<\/th><th>BOB.PASKOLA<\/th><\/tr><\/thead><tbody><tr><td><strong>Logo<\/strong><\/td><td><img decoding=\"async\" width=\"100\" height=\"44\" class=\"wp-image-29280\" style=\"width: 100px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2022\/11\/6-smspinigai-350.png\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2022\/11\/6-smspinigai-350.png 350w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2022\/11\/6-smspinigai-350-300x131.png 300w\" sizes=\"(max-width: 100px) 100vw, 100px\" \/><\/td><td><img decoding=\"async\" width=\"100\" height=\"48\" class=\"wp-image-28726\" style=\"width: 100px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2022\/11\/finbee-logo-privatiems.png\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2022\/11\/finbee-logo-privatiems.png 250w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2022\/11\/finbee-logo-privatiems-246x121.png 246w\" sizes=\"(max-width: 100px) 100vw, 100px\" \/><\/td><td><img decoding=\"async\" width=\"100\" height=\"32\" class=\"wp-image-34474\" style=\"width: 100px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2023\/02\/savy-ukraine.png\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2023\/02\/savy-ukraine.png 720w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2023\/02\/savy-ukraine-300x97.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2023\/02\/savy-ukraine-702x232.png 702w\" sizes=\"(max-width: 100px) 100vw, 100px\" \/><\/td><td><img decoding=\"async\" width=\"100\" height=\"46\" class=\"wp-image-34689\" style=\"width: 100px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2023\/02\/bobutespaskola-e1675705446795.png\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2023\/02\/bobutespaskola-e1675705446795.png 694w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2023\/02\/bobutespaskola-e1675705446795-300x138.png 300w\" sizes=\"(max-width: 100px) 100vw, 100px\" \/><\/td><\/tr><tr><td><strong>Paskolos Suma<\/strong><\/td><td>100 &#8211; 15 000\u20ac<\/td><td>300 &#8211; 25 000\u20ac<\/td><td>300 &#8211; 30 000\u20ac<\/td><td>50 &#8211; 10 000\u20ac<\/td><\/tr><tr><td><strong>Gr\u0105\u017einimo Terminas<\/strong><\/td><td>3 &#8211; 72 m\u0117n.<\/td><td>12 &#8211; 84 m\u0117n.<\/td><td>3 &#8211; 120 m\u0117n.<\/td><td>12 &#8211; 72 m\u0117n.<\/td><\/tr><tr><td><strong>Pal\u016bkanos<\/strong><\/td><td>nuo 3.67%<\/td><td>nuo 7%<\/td><td>5%<\/td><td>nuo 18%<\/td><\/tr><tr><td><strong>BVKKMN<\/strong><\/td><td>21.99 &#8211; 59.95%<\/td><td>17.76-63.97%<\/td><td>12.33-48.01%<\/td><td>iki 136.27%<\/td><\/tr><tr><td><strong>Suteikimo Greitis<\/strong><\/td><td>1 d.d.<\/td><td>3 d.d.<\/td><td>3 d.d.<\/td><td>1 d.d.<\/td><\/tr><tr><td><strong>Preliminari \u012fmoka<\/strong><br><em>(2500\u20ac, 12 m\u0117n. terminui)<\/em><\/td><td>233.31\u20ac<\/td><td>219.26\u20ac<\/td><td>221.27\u20ac<\/td><td>247.95\u20ac<\/td><\/tr><tr><td><strong>I\u0161ankstinis Gr\u0105\u017einimas<\/strong><\/td><td>Nemokamas<\/td><td>Nemokamas<\/td><td>Nemokamas<\/td><td>Nemokamas<\/td><\/tr><tr><td><strong>Skolintojo puslapis<\/strong><\/td><td><a href=\"https:\/\/financer.lt\/kompanija\/smspinigai\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\">SMSpinigai<\/a><\/td><td><a href=\"https:\/\/financer.lt\/kompanija\/finbee\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\">FinBee<\/a><\/td><td><a href=\"https:\/\/financer.lt\/kompanija\/savy\/redirect\/\" data-type=\"URL\" data-id=\"https:\/\/financer.lt\/kompanija\/vivus\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\">SAVY<\/a><\/td><td><a href=\"https:\/\/financer.lt\/kompanija\/bobutes-paskola\/redirect\/\" data-type=\"URL\" data-id=\"https:\/\/financer.lt\/kompanija\/bobutes-paskola\/redirect\/\" target=\"_blank\" rel=\"sponsored noopener nofollow\">Bobut\u0117s P.<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"author":100,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","categories":[38],"company_type":[24,22],"overall_rating":"3.85000000","_links":{"self":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/company_single\/412"}],"collection":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/company_single"}],"about":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/types\/company_single"}],"author":[{"embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/users\/100"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/comments?post=412"}],"version-history":[{"count":50,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/company_single\/412\/revisions"}],"predecessor-version":[{"id":80287,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/company_single\/412\/revisions\/80287"}],"wp:attachment":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/media?parent=412"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/categories?post=412"},{"taxonomy":"company_type","embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/company_type?post=412"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}