Credits and Online Loans in Spain
Category : Uncategorized
Creditent gives you a hand to get the best offers of personal loans online.
Our objective is to offer responsible solutions for liquidity problems. Our business is not based on lending money, but on advising those who need it. Our loan search service is free, fast and super easy.
Creditent is your best option
- Flexibility: you select the value of the loan and for how long you will need it.
- Save money: we research the most reliable and recognized credit institutions, and present you with the best credit option.
- Save time: the process is 100% online. No queues, no endorsement, no payroll, no paperwork.
- Technology: the search for quick credits is processed with absolute speed, discretion and security. We use thousands of data points to choose the best offer for you.
- There are no hidden or additional expenses or small bills: our transparent service allows you to see the total cost of your mini loan before validating the request.
- Response in just 15 minutes, once the best option has been confirmed.
Above all, if you are on the road, do not worry, Creditent accompanies you and you can request a loan on your mobile or tablet. Super fast and easy!
Do not let money worry you why we help you regain control over the unforeseen.
How Creditent works
We work with the most important lenders in the market for all types of quick credit needs, from 500 € in 5 min with Dineo to more generous loans.
To satisfy the needs of a market that continues to grow, Creditent has joined forces with Finzmo, the smartest home and car loan comparison company. We make your finances easy, we join lenders like Vivus for your most susbstantial purchases, it is a clever strategy, our lenders are as varied as the reasons why we may need money.
To make your loan request you only need to be between 18 and 80 years old, reside in Spain, have a national bank account, email and mobile.
Since 2011, Creditent has been acting in a serious and responsible manner offering the best search and comparison service for personal online loans in Spain.
Creditent is a state-of-the-art credit search tool that allows you to know the market offer and compare the characteristics of each one according to the needs of the users. We check the most reliable and recognized entities with absolute speed, discretion and security.
Immediate loans are not guaranteed. They can be taken without endorsement, without payroll, without paperwork. 100% online! Creditent helps you find the best option.
In addition to receiving your immediate credit, if you require again the services of Creditent, the limits of your personal credits are gradually increasing and you can request up to € 3000.
We understand that you need money urgently and for that we help you to achieve it super fast and easy. Once you confirm the best option of your mini loans, the institution answers you in only 15 minutes.
About our activity
Creditent offers the service of search and comparison of loans taking into account the best and most recognized credit entities in Spain. Based on your information, we indicate which is the best institution to make the credit application. We do not promote or have preference for any of them.
Once the request is made, the lender analyzes the order. The concession and the processing period depend only on each of the institutions. Making your request for financial progress through Creditent, does not guarantee whether it will be accepted or not. All information on our website is simply informative and informative.
Applicable Legislation and Customer Information
Creditent fully respects the legislation in force in Spain. The laws that regulate short-term loans are Law 22/2007, of July 11, of Distance Marketing of Financial Services Destined to Consumers and Law 16/2011, of June 24, of Contracts of Credits to Consumption. Before processing the loan application, the client will be informed of the following aspects: Articles 7 and 8 of Law 22/2007, articles 10 and 12 of Law 16/2011 and General and Particular Conditions of our service.
Management Expenses (APR)
Having transparency as one of our values, Creditent informs you of the costs of managing personal loans online. Before confirming the credit application, all the costs of the lenders are taught to you in a clear and simple way.
Management expenses are declared through the APR (Annual Equivalent Rate). This rate varies according to the amount of the loan and its repayment term.
For example, for a loan of € 200 for return in 30 days, the costs will be € 0, the total amount to be returned will be € 200 with an APR of 0%.
For example, for a loan of € 300 for a return in 62 days, the costs will be € 151.49, the total amount to be returned will be € 451.49 with an APR of 1,009.48%.
Renewal and Contract Breach Policy
Before taking any personal loan, be sure that you can make the payment in a timely manner as agreed with your lender. We emphasize that all the negotiation of terms and values must be done directly with the institution that has approved your financial advance.
The recommendation of Creditent is that you make your payments always on time. If for some reason it is not possible, know that each lender has its own regulations regarding payments and interest. Late payment may result in extra costs and / or high interest. A large part of the lenders will contact you in order to arrange the payment, but we suggest that as soon as you know that you are going to get the payment on time, you can get in touch with him, because otherwise, you can Write down your credit history.
Consequences of the lack of payment
As we advise for late payment, if you already know that it will not be possible to make the payment on the agreed date, contact the lender as soon as possible. Institutions can charge a late payment fee between € 1 and € 100, but this value can change among lenders. To know all the information, we ask you to read with great care and attention the terms and conditions of your personal loan contract.
Loan Renewal Policy
If you would like to renew your personal loan, you should contact your lender before the end of your current credit period. Normally, the lenders charge the same interest and costs for another month on the entire amount of the debt. In case of default, a renewal / extension may be automatic and more interest and / or costs may be added to your debt.