Quick Mini-Credits Online

Mini-credits are small loans , which are granted without so much paperwork or requirements that are impossible for any family to meet. They are also known as Express loans , since they are usually granted in a matter of a few hours and the applicant can access the amount of money requested, almost immediately after approval.

Among the benefits and advantages of the mini-credits we can mention the fact that no commission or study or opening commission is charged, in addition to the fact that the request for the mini-credit can be made online. This means that anyone can use their computer, tablet or smartphone to request mini-credits online from the comfort of their home and at any time of day, any day of the week.

Not only that, the requirements that are generally demanded are minimal and unlike traditional banking entities, it is common that sometimes it is not taken into account if the applicant is registered in a delinquent file, even in some cases, neither a guarantee is usually required.

When is it advisable to request a mini-credit?

Well, basically when all available financing options have been exhausted, including borrowing from family or friends. You should bear in mind that mini-credits are a kind of quick personal loans that are distinguished because the amount granted does not usually exceed € 600, while the repayment period is also usually short, normally 45 days.

In exchange for lending you the money instantly, the financial company that grants them applies interest and fees to the mini-credits. Consequently, the most advisable time to apply for a microcredit is the one in which you are sure that you will be able to return the money they lend you. And of course, you should preferably request this type of financing in specific cases or emergencies.

How to request quick mini-credits online step by step and which companies to choose?

The process to request quick mini-credits online is very simple and usually does not take more than a couple of minutes to complete. Although the procedure may vary from company to company, generally the steps are as follows:

  • First you have to fill out the application for the mini-credit . This form will provide the lender with all the necessary information regarding your identification in order to carry out an analysis of your credit profile.
  • Send the required documents . Once your application for a mini-credit is pre-approved, the next step is to send the required documentation to verify your data. The documentation can be sent through the form itself, via email or even using online applications.
  • Signature of the contract . Once the company verifies your documentation, the application for mini-credits is approved. In a matter of minutes the company will communicate all this to you by email or even through an SMS text message. The contract is signed by sending an email where the application number is identified. It can also be done over the phone.

Online Mini-Credits - Complete and updated list:

Paydaynow.net

characteristics

  • AMOUNT: From € 100 to € 6000
  • MINIMUM TERM : 61 Days
  • MAXIMUM TERM: 90 Days
  • REQUIREMENTS: Demonstrable income
  • EVALUATION: In 5 Minutes
  • MAXIMUM 1ST LOAN: € 6,000
  • ACCEPT Credit Checker: NO
  • 1st FREE CREDIT: YES

MORE INFORMATION

Paydaychampion.com

characteristics

  • AMOUNT: From € 100 to € 500
  • MINIMUM TERM : 1 Day
  • MAXIMUM TERM: 12 Months
  • REQUIREMENTS: Demonstrable income
  • EVALUATION: In 15 Minutes
  • MAXIMUM 1st LOAN: € 500
  • ACCEPT Credit Checker: NO
  • 1st FREE CREDIT: NO

MORE INFORMATION

Greendayonline.com

characteristics

  • AMOUNT: From € 50 to € 800
  • MINIMUM TERM : 7 Days
  • MAXIMUM TERM: 61 Days
  • REQUIREMENTS: No payroll or endorsement
  • EVALUATION: In 10 minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: NO
  • 1st FREE CREDIT: NO

MORE INFORMATION

Consolidationnow.com

characteristics

  • AMOUNT: From € 200 to € 1000
  • MINIMUM TERM : 10 Days
  • MAXIMUM TERM: 35 Days
  • REQUIREMENTS: Demonstrable Income
  • EVALUATION: In 5 minutes
  • MAXIMUM 1st LOAN: € 800
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: NO

MORE INFORMATION

Paydayadvance2two.com

characteristics

  • AMOUNT: From € 50 to € 750
  • MINIMUM TERM : 60 Days
  • MAXIMUM TERM: 90 Days
  • REQUIREMENTS: Demonstrable Income
  • EVALUATION: In 15 minutes
  • MAXIMUM 1ST LOAN: € 750
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: YES

MORE INFORMATION

Oakparkfinancial.com

characteristics

  • AMOUNT: From € 100 to € 1,000
  • MINIMUM TERM : 61 Days
  • MAXIMUM TERM: 90 Days
  • REQUIREMENTS: No payroll or endorsement
  • EVALUATION: In 15 minutes
  • MAXIMUM 1st LOAN: € 1,000
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: YES

MORE INFORMATION

Stansmithadidas.org.uk

characteristics

  • AMOUNT: From € 500 to € 50,000
  • MINIMUM TERM : 1 Year
  • MAXIMUM TERM: 6 Years
  • REQUIREMENTS: Demonstrable income
  • EVALUATION: In 5 Minutes
  • MAXIMUM 1ST LOAN: € 50,000
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: NO

MORE INFORMATION

Wowloans.net

characteristics

  • AMOUNT: From € 50 to € 900
  • MINIMUM TERM : 5 Days
  • MAXIMUM TERM: 35 Days
  • REQUIREMENTS: No payroll or endorsement
  • EVALUATION: In 5 minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: Does not specify
  • 1st FREE CREDIT: NO

MORE INFORMATION

Dedebt.com

characteristics

  • AMOUNT: From € 100 to € 500
  • MINIMUM TERM : 1 Month
  • MAXIMUM TERM: 6 Months
  • REQUIREMENTS: Demonstrable Income
  • EVALUATION: In 15 minutes
  • MAXIMUM 1st LOAN: € 500
  • ACCEPT Credit Checker: NO
  • 1st FREE CREDIT: NO

MORE INFORMATION

Citrusnorth.com

characteristics

  • AMOUNT: From € 1,000 to € 60,000
  • MINIMUM TERM : 1 Month
  • MAXIMUM TERM: 96 Months
  • REQUIREMENTS: Demonstrable Income
  • EVALUATION: In 10 minutes
  • MAXIMUM 1st LOAN: € 1,000
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: NO

MORE INFORMATION

Mydebtadvisors.com

characteristics

  • AMOUNT: From € 100 to € 400
  • MINIMUM TERM : 2 Months
  • MAXIMUM TERM: 4 Months
  • REQUIREMENTS: Demonstrable income
  • EVALUATION: In 15 Minutes
  • MAXIMUM 1ST LOAN: € 400
  • ACCEPT Credit Checker: NO
  • 1st FREE CREDIT: NO

MORE INFORMATION

Creditopostal.es

characteristics

  • AMOUNT: From € 300 to € 2500
  • MINIMUM TERM : 3 Months
  • MAXIMUM TERM: 36 Months
  • REQUIREMENTS: Demonstrable income
  • EVALUATION: In 5 Minutes
  • MAXIMUM 1ST LOAN: € 2,500
  • ACCEPT Credit Checker: NO
  • 1st FREE CREDIT: NO

MORE INFORMATION

Movinero.es

characteristics

  • AMOUNT: From € 50 to € 1,000
  • MINIMUM TERM : 1 Month
  • MAXIMUM TERM: 96 Months
  • REQUIREMENTS: Demonstrable Income
  • EVALUATION: In 15 minutes
  • MAXIMUM 1st LOAN: € 1,000
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: NO

MORE INFORMATION

Cofidis.es

characteristics

  • AMOUNT: From € 500 to € 15,000
  • MINIMUM TERM : 12 Months
  • MAXIMUM TERM: 96 Months
  • REQUIREMENTS: Demonstrable income
  • EVALUATION: In 48 Hours
  • MAXIMUM 1st LOAN: € 15,000
  • ACCEPT Credit Checker: NO
  • 1st FREE CREDIT: NO

MORE INFORMATION

Compariloan.com

characteristics

  • AMOUNT: From € 50 to € 600
  • MINIMUM TERM : 7 Days
  • MAXIMUM TERM: 28 Days
  • REQUIREMENTS: No payroll or endorsement
  • EVALUATION: In 10 minutes
  • MAXIMUM 1st LOAN: € 200
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: NO

MORE INFORMATION

Motorlender.com

characteristics

  • AMOUNT: From € 50 to € 1200
  • MINIMUM TERM : 5 Days
  • MAXIMUM TERM: 4 Months
  • REQUIREMENTS: No payroll or endorsement
  • EVALUATION: In 5 minutes
  • MAXIMUM 1ST LOAN: € 400
  • ACCEPT Credit Checker: Does not specify
  • 1st FREE CREDIT: YES € 300

MORE INFORMATION

Solcredito.es

characteristics

  • AMOUNT: From € 100 to € 1000
  • MINIMUM TERM: 5 Days
  • MAXIMUM TERM: 30 Days
  • REQUIREMENTS: Demonstrable income
  • EVALUATION: In 15 minutes
  • MAXIMUM 1st LOAN: € 1000
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: YES

MORE INFORMATION

Ferratum.es

characteristics

  • AMOUNT: From € 100 to € 1000
  • MINIMUM TERM : 5 Days
  • MAXIMUM TERM: 30 Days
  • REQUIREMENTS: without endorsement and without paperwork
  • EVALUATION: In 15 minutes
  • MAXIMUM 1st LOAN: € 500
  • ACCEPT Credit Checker: No
  • 1st FREE CREDIT: YES € 500

MORE INFORMATION

Creditea.es

characteristics

  • <span »> AMOUNT: From € 100 to € 5,000
  • MINIMUM TERM: 1 Days
  • MAXIMUM TERM: 36 Months
  • REQUIREMENTS: Demonstrable income
  • EVALUATION: In 15 minutes
  • MAXIMUM 1st LOAN: € 3,000
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: NO

MORE INFORMATION

Creditosi.com

characteristics

  • AMOUNT: From € 300 to € 2000
  • MINIMUM TERM : 1 Days
  • MAXIMUM TERM: 12 Months
  • REQUIREMENTS: without endorsement and without paperwork
  • EVALUATION: In 15 minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: No
  • 1st FREE CREDIT: YES € 300

MORE INFORMATION

Credy.es

characteristics

  • AMOUNT: From € 50 to € 750
  • MINIMUM TERM : 1 Day
  • MAXIMUM TERM: 30 Days
  • REQUIREMENTS: No payroll or endorsement
  • EVALUATION: In 10 minutes
  • MAXIMUM 1ST LOAN: € 750
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: YES

MORE INFORMATION

Zaplo.es

characteristics

  • AMOUNT: From € 300 to € 2500
  • MINIMUM TERM : 3 Months
  • MAXIMUM TERM: 24 Months
  • REQUIREMENTS: Demonstrable income
  • EVALUATION: In 15 Minutes
  • MAXIMUM 1st LOAN: € 800
  • ACCEPT Credit Checker: NO
  • 1st FREE CREDIT: NO

MORE INFORMATION

Vivus.es

characteristics

  • AMOUNT: From € 50 to € 1000
  • MINIMUM TERM : 7 Days
  • MAXIMUM TERM: 30 Days
  • REQUIREMENTS: without endorsement and without paperwork
  • EVALUATION: In 15 minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: No
  • 1st FREE CREDIT: YES

MORE INFORMATION

Holadinero.es

characteristics

  • AMOUNT: From € 100 to € 1000
  • MINIMUM TERM : 61 Days
  • MAXIMUM TERM: 61 Days
  • REQUIREMENTS: No payroll or endorsement
  • EVALUATION: In 10 minutes
  • MAXIMUM 1st LOAN: € 500
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: YES

MORE INFORMATION

Ccloan.es

characteristics

  • AMOUNT: From € 50 to € 1000
  • MINIMUM TERM : 7 Days
  • MAXIMUM TERM: 30 Days
  • REQUIREMENTS: without endorsement and without paperwork
  • EVALUATION: In 15 minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: No
  • 1st FREE CREDIT: YES

MORE INFORMATION

Creditstar.es

characteristics

  • AMOUNT: From € 50 to € 1000
  • MINIMUM TERM : 5 Days
  • MAXIMUM TERM: 3 Months
  • REQUIREMENTS: without endorsement and without paperwork
  • EVALUATION: In 10 minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: NO
  • 1st FREE CREDIT: NO

MORE INFORMATION

That good is

characteristics

  • AMOUNT: From € 1 to € 900
  • MINIMUM TERM : 1 Day
  • MAXIMUM TERM: 31 Days
  • REQUIREMENTS: Demonstrable income
  • EVALUATION: In 10 minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: YES
  • FREE CREDIT: YES - New clients

MORE INFORMATION

Cashper.es

characteristics

  • AMOUNT: From € 50 to € 500
  • MINIMUM TERM: 15 Days
  • MAXIMUM TERM: 30 Days
  • REQUIREMENTS: Demonstrable income
  • EVALUATION: In 10 minutes
  • MAXIMUM 1st LOAN: € 500
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: NO

MORE INFO

Creditozen.es

characteristics

  • AMOUNT: From € 50 to € 1000
  • MINIMUM TERM: 5 Days
  • MAXIMUM TERM: 30 Days
  • REQUIREMENTS: Income
  • EVALUATION: In 10 minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: YES

MORE INFORMATION

kredito24.es

characteristics

  • AMOUNT: From € 75 to € 750
  • MINIMUM TERM: 7 Days
  • MAXIMUM TERM: 30 Days
  • REQUIREMENTS: Demonstrable income
  • EVALUATION: In 15 minutes
  • MAXIMUM 1ST LOAN: € 750
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: NO

MORE INFORMATION

Creditovictoria.es

characteristics

  • AMOUNT: From € 50 to € 1000
  • MINIMUM TERM : 5 Days
  • MAXIMUM TERM: 30 Days
  • REQUIREMENTS: Demonstrable income
  • EVALUATION: In 10 minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: YES

MORE INFORMATION

Wonga.es

characteristics

  • AMOUNT: From € 50 to € 700
  • MINIMUM TERM : 1 Day
  • MAXIMUM TERM: 60 Days
  • REQUIREMENTS: Demonstrable income
  • EVALUATION: In 15 minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: YES - 15 DAYS

MORE INFORMATION

Dineo.es

characteristics

  • AMOUNT: From € 50 to € 300
  • MINIMUM TERM : 5 Day
  • MAXIMUM TERM: 30 Days
  • REQUIREMENTS: Demonstrable income
  • EVALUATION: In 8 minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: YES
  • FREE CREDIT: YES - New clients

MORE INFORMATION

Viaconto.es

characteristics

  • AMOUNT: From € 50 to € 600
  • MINIMUM TERM : 7 Day
  • MAXIMUM TERM: 30 Days
  • REQUIREMENTS: Demonstrable income
  • EVALUATION: In 10 minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: YES

MORE INFORMATION

Savso.es

characteristics

  • AMOUNT: From € 300 to € 900
  • MINIMUM TERM : 13 Weeks
  • MAXIMUM TERM: 26 Weeks
  • REQUIREMENTS: Demonstrable income
  • EVALUATION: In 10 minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: YES
  • FREE CREDIT: NO

MORE INFORMATION

Currency.es

characteristics

  • AMOUNT: From € 750 to € 5000
  • MINIMUM TERM : 6 Months
  • MAXIMUM TERM: 36 Months
  • REQUIREMENTS: Demonstrable income
  • EVALUATION: In 10 minutes
  • MAXIMUM 1st LOAN: € 5,000
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: NO

MORE INFORMATION

Bonsaifinance.es

characteristics

  • AMOUNT: From € 200 to € 800
  • MINIMUM TERM : 1 Week
  • MAXIMUM TERM: 6 Weeks
  • REQUIREMENTS: No payroll or endorsement
  • EVALUATION: In 10 minutes
  • MAXIMUM 1st LOAN: € 800
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: NO

MORE INFORMATION

Creditocajero.es

characteristics

  • AMOUNT: From € 50 to € 300
  • MINIMUM TERM : 5 Day
  • MAXIMUM TERM: 31 Days
  • REQUIREMENTS: No payroll or endorsement
  • EVALUATION: In 10 minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: YES - Only € 100

MORE INFORMATION

Pepedinero.com

characteristics

  • AMOUNT: From € 50 to € 500
  • MINIMUM TERM : 7 Days
  • MAXIMUM TERM: 30 Days
  • REQUIREMENTS: No payroll or endorsement
  • EVALUATION: In 10 minutes
  • MAXIMUM 1st LOAN: € 250
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: NO

MORE INFORMATION

Prestamer.es

characteristics

  • AMOUNT: From € 20 to € 1000
  • MINIMUM TERM : 7 Days
  • MAXIMUM TERM: 21 Days
  • REQUIREMENTS: No payroll or endorsement
  • EVALUATION: In 4 minutes
  • MAXIMUM 1st LOAN: € 150
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: NO

MORE INFORMATION

Freezl.es

characteristics

  • AMOUNT: From € 50 to € 1000
  • MINIMUM TERM : 5 Days
  • MAXIMUM TERM: 35 Days
  • REQUIREMENTS: No payroll or endorsement
  • EVALUATION: In 15 minutes
  • MAXIMUM 1st LOAN: € 1000
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: NO

MORE INFORMATION

Wandoo.es

characteristics

  • AMOUNT: From € 50 to € 850
  • MINIMUM TERM : 7 Days
  • MAXIMUM TERM: 30 Days
  • REQUIREMENTS: without endorsement and without paperwork
  • EVALUATION: In 15 minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: Does not specify
  • 1st FREE CREDIT: YES € 300

MORE INFORMATION

Avail.es

characteristics

  • AMOUNT: From € 1 to € 400
  • MINIMUM TERM : 1 Days
  • MAXIMUM TERM: 33 Days
  • REQUIREMENTS: without endorsement and without paperwork
  • EVALUATION: In 15 minutes
  • MAXIMUM 1ST LOAN: € 400
  • ACCEPT Credit Checker: Does not specify
  • 1st FREE CREDIT: YES € 400

MORE INFORMATION

Lunacredit.es

characteristics

  • AMOUNT: From € 50 to € 1000
  • MINIMUM TERM : 7 Days
  • MAXIMUM TERM: 30 Days
  • REQUIREMENTS: without endorsement and without paperwork
  • EVALUATION: In 10 minutes
  • MAXIMUM 1st LOAN: € 1000
  • ACCEPT Credit Checker: Does not specify
  • 1st FREE CREDIT: NO

MORE INFORMATION

Loan10.com

characteristics

  • AMOUNT: From € 50 to € 700
  • MINIMUM TERM : 5 Days
  • MAXIMUM TERM: 30 Days
  • REQUIREMENTS: without endorsement and without paperwork
  • EVALUATION: In 10 minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: NO
  • 1st FREE CREDIT: NO

MORE INFORMATION

Twinero.es

characteristics

  • AMOUNT: From € 50 to € 300
  • MINIMUM TERM : 7 Days
  • MAXIMUM TERM: 30 Days
  • REQUIREMENTS: without endorsement and without paperwork
  • EVALUATION: In 10 minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: NO
  • 1st FREE CREDIT: NO

MORE INFORMATION

Younited-credit.com

characteristics

  • AMOUNT: From € 1000 to € 40,000
  • MINIMUM TERM : 24 Months
  • MAXIMUM TERM: 72 Months
  • REQUIREMENTS: without endorsement
  • EVALUATION: In 48 hours
  • MAXIMUM 1ST LOAN: 40,000
  • ACCEPT Credit Checker: NO
  • 1st FREE CREDIT: NO

MORE INFORMATION

Creditomas.es

characteristics

  • AMOUNT: From € 50 to € 900
  • MINIMUM TERM : 7 Days
  • MAXIMUM TERM: 30 Days
  • REQUIREMENTS: without endorsement
  • EVALUATION: 15 Minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: NO
  • 1st FREE CREDIT: YES € 300

MORE INFORMATION

Dindin.es

characteristics

  • AMOUNT: From € 50 to € 1100
  • MINIMUM TERM : 7 Day
  • MAXIMUM TERM: 30 Days
  • REQUIREMENTS: without endorsement
  • EVALUATION: In 15 Minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: NO
  • 1st FREE CREDIT: YES € 300

MORE INFORMATION

Okmoney.es

characteristics

  • AMOUNT: From € 100 to € 3000
  • MINIMUM TERM : 14 Days
  • MAXIMUM TERM: 6 Months
  • REQUIREMENTS: without endorsement
  • EVALUATION: In 15 Minutes
  • MAXIMUM 1st LOAN: € 1000
  • ACCEPT Credit Checker: NO
  • 1st FREE CREDIT: NO

MORE INFORMATION

Loanpay.co.uk

characteristics

  • AMOUNT: From € 300 to € 2000
  • MINIMUM TERM : 1 Month
  • MAXIMUM TERM: 39 Months
  • REQUIREMENTS: without endorsement
  • EVALUATION: In 15 Minutes
  • MAXIMUM 1ST LOAN: € 2,000
  • ACCEPT Credit Checker: NO
  • 1st FREE CREDIT: NO

MORE INFORMATION

Onlinecredit.es

characteristics

  • AMOUNT: From € 50 to € 1500
  • MINIMUM PERIOD : 5 Days
  • MAXIMUM TERM: 4 Months
  • REQUIREMENTS: Demonstrable income
  • EVALUATION: In 15 Minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: YES
  • 1st FREE CREDIT: NO

MORE INFORMATION

Wincredit.es

characteristics

  • AMOUNT: From € 100 to € 1000
  • MINIMUM TERM : 5 Days
  • MAXIMUM TERM: 30 Days
  • REQUIREMENTS: Demonstrable income
  • EVALUATION: In 15 Minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: NO
  • 1st FREE CREDIT: NO

MORE INFORMATION

Contante.es

characteristics

  • AMOUNT: From € 50 to € 1000
  • MINIMUM TERM : 1 Day
  • MAXIMUM TERM: 30 Days
  • REQUIREMENTS: Demonstrable income
  • EVALUATION: In 15 Minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: NO
  • 1st FREE CREDIT: NO

MORE INFORMATION

Creditorapid.es

characteristics

  • AMOUNT: From € 50 to € 300
  • MINIMUM TERM : 30 Days
  • MAXIMUM TERM: 30 Days
  • REQUIREMENTS: No paperwork
  • EVALUATION: In 15 Minutes
  • MAXIMUM 1st LOAN: € 300
  • ACCEPT Credit Checker: NO
  • 1st FREE CREDIT: NO

MORE INFORMATION

It is important to mention that the concept of mini-credits in Spain arises as a response to the need to offer access to financing to people who, due to different circumstances, are not candidates for personal or other loans granted by banks and financial institutions.

Initially, this type of credit was aimed at solving the shortage of economic resources for educational entities, small companies, etc., that did not have enough capital to start their projects or that could not offer guarantees or present guarantors. This is the reason why mini-credits are usually related to so-called unsecured loans” , which are financial products that are granted with minimal repayment guarantees for the lender.

In recent times there has been a boom in financial companies that offer mini-credits to individuals and families, allowing access to financing more quickly and without complications.

How much money can I have with the mini-credits?

Actually, this depends a lot on the financial company that offers them, since while some grant you € 300 or € 600 at most, others can even loan you up to € 1,000 or € 5,000. Now, the most common is that for new clients who request a mini-loan for the first time, the maximum amount they can access is € 300. Once the client requests and returns the microcredit in the agreed terms and conditions, the lender usually allows access to a higher amount of financing, usually € 1,000.

Is it possible to request mini-credits without interest or free?

We already mentioned previously that currently there are a large number of financial companies that offer mini-credits and all of them promote different financing offers. This means that there is enormous competition between all these companies, which means that financing is offered without costs or interests in order to attract more clients.

The most common thing is that in order to access a free mini-credit , this type of financing must never have been requested with the entity and also that the amount loaned must be returned within the stipulated period.

Requirements and conditions to apply for mini-credits Online

As a consequence of the fact that small amounts of money are granted, the requirements and conditions to request mini-credits online are minimal compared to those that exist in banks and savings banks. These are the requirements :

  • Check income . It is an essential requirement that the applicant verify that he has a source of monthly income that will allow him to pay for the money that has been loaned him. Although it is not necessary to have a very high income, for the company that grants the mini-loan it is important to know that the client is in a position to repay the borrowed money.
  • You must be of legal age . This is another of the requirements to access a mini-credit. Although the law requires at least 18 years to be able to request a financial product, in many cases the companies that grant this type of financing establish an age range of between 21 and 25 years.
  • You must live in Spain permanently . This means that the applicant must provide proof of residence in the country. This can be a copy of an identity document such as the INE or DNI.
  • You must not have outstanding debts . Most of the mini-credit companies reject the applications of those people who currently have unpaid debts and therefore are in delinquent records such as Credit Checker. It should be noted however, that there are financing companies that grant mini-credits with Credit Checker to people with unpaid debts.

To determine if you meet the requirements and conditions, it is necessary that you fill out an online form that allows the lender to know and analyze all your personal and financial information. In case you do not meet their requirements, your application for a mini-loan will be rejected.

What documentation is necessary to request a mini-loan?

Although we already said that to access a mini-loan financing it is not necessary as much paperwork or documentation, the reality is that it is still necessary to present some important documents for the granting of the loan, especially those related to your personal information and ability to pay.

Therefore, if you want your mini-credit application to be approved, be sure to provide the following documents:

  • Identification documents . Identity documents such as DNI or NIE are valid, in case you are a foreigner with permission to reside in the country. The documentation must be delivered in a double-sided copy, in addition to the fact that it must be current at the time you make the request.
  • Proof of income . This document is essential to deliver it and it must be official, since in this way the credit company can certify that you will be able to pay for the return of the money that is loaned to you.
  • Bank statement . This document is necessary so that the company can verify your bank account number and that you are the owner of said account. It also serves to check your debt capacity, as well as your expenses and income.

Currently you can send this documentation online by email as attachments or through the financial company's own website .

How to get mini-credits without payroll or endorsement?

As long as you have alternative income that allows you to return the requested mini-credit, it is possible to contract mini-credits without payroll or endorsement. Your income, however, must meet the following characteristics:

  • They must be sufficient . That is, that the remuneration you receive is of a sufficient amount to be able to return the money they lend you.
  • They must be regular income . In other words, that your income is received on a monthly basis. Not only that, you must verify that you benefit from this income for a period of time greater than the life of the loan.
  • They must be justifiable . For the income to be considered as a valid payment guarantee, it is necessary to present an official document that proves the origin of said income.

How are the application forms for online mini-credits?

Although the online mini-credit application forms may vary slightly from one company to another, they generally share the same elements. These forms not only establish the amount of the mini-credit you want to obtain, but also all the information necessary for the analysis of your credit profile.

  • Amount and term of the mini-credit . These data are necessary for the credit company to analyze them in the applicant profile, even if they were previously specified in the online mini-credit simulator.
  • Personal information . It is a field in the form where you must specify your personal data such as the identity document number, your name and surname, as well as your date of birth, telephone, email, etc.
  • Economic solvency . It means that the company must evaluate your ability to pay and for this they ask you to specify your income and fixed monthly expenses, including mortgage loan, bills, rent or pending payments of other previously requested loans.
  • Current employment condition . It is necessary that you provide information regarding your current job, including the type of work you do, the time you have working, the type of contract, if you work as a freelance, etc.
  • Contact information . Basically you must provide your current residence address, phone number, landline or mobile, as well as a functional email address.

Can you request quick mini credits online in just 10 minutes?

Of course, and in fact this is one of the main characteristics of online mini-credits , which can be achieved in a matter of minutes. Now, depending on the company, it can take up to two business days for the money to be sent, regardless of whether the lender made the money transfer instantly. It is not a problem of the company that grants the mini-credit, but of the banks, whose transfers are not immediate.

How to return a mini-loan quickly and easily?

The mini-credits must be returned in a single payment plus the interest that it has generated . In general, the refund of the money is made at the end of the agreed term, which is usually a maximum of 30 days. The mini-credit can be returned in the following ways:

  • Through a cash payment . For this, it is necessary to go to the bank where the company that grants the mini-loan has its account and make an income covering the amount of the money borrowed in addition to the interest generated.
  • Through a bank transfer . It is the most common way to return a mini-credit that consists of making a transfer to a current account of the credit company.
  • Paying with a credit card . It is a very convenient form of payment since it is done in the same way as when making an online purchase.

What to do if I cannot pay the requested mini-credit? Are there extensions?

The most convenient thing is to contact the company and tell them that you will not be able to repay the loan in the agreed time. In this way, you can negotiate a payment plan that suits your possibilities, even request an extension.

What happens if I do not pay the requested mini-credit?

The consequences of not paying a mini loan are detailed in the conditions of the contract , however, the most common is that after the non-payment of a monthly payment, interest for late payment begins automatically, which is usually higher than interest traditional.

If a second non-payment is incurred and without negotiations, the financial company will notify its client that it has been registered in a delinquent file . And if there are three defaults, the company will most likely resort to legal proceedings to claim the payment of the mini loan .

How are mini-credits regulated in Spain?

Contrary to what is usually thought, in Spain, mini-credits are regulated through Law 22/2007 / of July 11, regarding the distance marketing of consumer-oriented financial products. Despite this, the companies that offer online mini-credits are not supervised by the Bank of Spain.

Is it safe and reliable to request mini-credits online without paperwork?

As long as a reliable financial institution is used, it is safe to request mini-credits online without paperwork . A reliable mini-credit company does not request money in advance nor does it have the ability to "delete" you from the list of a delinquent file. These are usually companies that have secure websites that use SSL certificates and the HTTPS protocol with the green padlock to guarantee user data.

Conclusion about mini-credits

To finish, just say that there are many online mini - credit companies that offer different terms, amounts and conditions . The important thing here to avoid unpleasant surprises is to be sure that we are contracting the most appropriate mini-loan and that we have the financial solvency for its return.

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