What happens if I can not pay my loan online on time?

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 I can not pay my loan – it’s an idea that does not let you sleep. It’s a heavy idea, an idea that makes you feel nervous. But hey, let’s see what can be done in this situation. Let’s think together, how can we fix it and move on. We give you advice!

First, think about whether you have used all the options before worrying so much. Has the deadline for returning the borrowed money already passed? Have you tried to extend your credit fast? Have you negotiated other conditions with the microfinance company where you borrowed the money?

If the answer to all these questions is affirmative, then the only thing left to avoid defaulting is to refinance. Although refinancing a quick loan with another loan of this type is usually not the best idea, it may be a solution in certain cases.

Where can I request a quick loan if I can not pay my loan?

We offers you good conditions so that you can borrow money with the minimum requirements. For example, in order not to spoil your credit history it makes sense to settle a quick loan, requesting another. It is true that taking a similar step makes sense if you are sure that you will not incur a default by requesting a new fast credit. If you are sure that soon you will receive money that you owe or have other income planned, go ahead and take off the ideas of “I can not pay my loan”.

In turn, we recommend that when requesting money fast think about security. It is very important to have transparent conditions such as those offered by us, when requesting quick money. And it is very important not to be alarmed by saying “I can not pay my loan” and not accept dubious proposals quick cash Prepaid commissions, which can be found on the web.

If you want a fast credit insurance – We are the best solution!


Credits and Online Loans in Spain

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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

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.

advantage 1

Commitment

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.

advantage 2

Good practices

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.

advantage 3

Because we?

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.

advantage 4

Personal loans

Immediate loans are not guaranteed. They can be taken without endorsement, without payroll, without paperwork. 100% online! Creditent helps you find the best option.

advantage 5

Quick credit

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.

advantage 6

Easy money

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.

Considering the current legislation, we handle the personal data of our clients with the utmost respect and security. For more details, visit our Privacy Policy page.

Applicable Legislation and Customer Information

Consequences of the lack of payment

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.

Late Payment

Late Payment

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.


Construction loan comparison: Discover top conditions now

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How to find the right building loan

Important to the construction loan

  • Calculate additional costs
    Apart from the purchase price of the property, you should also include the ancillary costs in the amount of credit that will be incurred. These include, for example, land transfer tax and brokerage fees.
  • Check conveyor
    Some state subsidies could also apply in your case: For example, the Kreditanstalt für Wiederaufbau offers subsidies for the purchase or construction of residential real estate, in particular at so-called Intrasavings bank Efficiency Houses.
  • Compare building loans
    Before you decide on an offer, you should have obtained offers from various banks. Only by this comparison, you can judge later, whether your building loan was cheap.

Construction loans are predominantly long-term annuity loans, which serve the purpose of building real estate or rescheduling. The existing household budget limits the amount of a construction loan. You can get cheap offers for the right loan via a credit comparison.

How to find the right building loan

The term construction loan is used as a synonym for mortgage lending. In contrast to construction loans, mortgage lending also refers to the total financing of a property from own funds and outside capital.

In its basic form, the home loan is a long-term building loan, which is secured by a land charge registered in the land register (mainly with a mortgage, sometimes with a mortgage). Mortgages as interim financing serve the bridging of time, until the conditions for the disbursement of a long-term loan are present or required own funds are available. Long-term construction loans are usually given as a so-called annuity loan. In the case of an annuity loan, the borrower pays a steady rate (for example, monthly or quarterly) composed of interest and principal. As repayment proceeds, the interest components of the credit installment decrease while the repayment installment increases.

The financing purpose of a home construction loan is the construction or renovation of buildings. Also, the rescheduling of an existing loan by a new building loan or follow-up financing are possible as a purpose. Construction loans can be taken for private or commercial purposes.

  • A home loan is used to finance residential real estate that is either used or rented by the owner. Borrower is the private owner of a property.
  • Commercial building loans finance commercial and residential buildings, provided these belong to a business asset.

Mortgage lending generally has a comparatively low credit risk due to the hedging of the land register. Therefore, the financing bank can grant particularly favorable lending rates for mortgage lending. A construction loan may therefore only be used for the purposes set out in the loan agreement.

Misuse of the loan funds for other purposes constitutes a punishable fraud (§ 263 StGB), which entitles the credit institution to an extraordinary termination of the loan agreement and to the immediate recovery of the disbursed loan.

Possible amount of a construction loan

Fixed upper and lower limits for a construction loan do not exist. The maximum loan amount is based on the value of the property to be created and on the income and assets of the borrower. It is crucial that the loan installments that are often due for many years in a construction loan do not exceed the credit applicant’s capacity to pay.

A home loan should, however, also reach a certain minimum amount if possible in order to avoid disproportionate costs, for example, for the land charge and loan processing. Credit institutions often charge interest surcharges for smaller construction loans. With a financing requirement of up to € 50,000 you should therefore consider whether a flexible and cost-effective loan is preferable to a home loan.

Usual transit times

A distinction must be made between the total term of a construction loan and the selected fixed interest period. For example, the total maturity over which the loan is to be repaid can be 30 years. Notwithstanding this, as a borrower you can agree a ten-year fixed-interest period upon conclusion of the loan agreement in order to secure the currently favorable interest rates for a longer period of time. At the end of the first fixed-interest period, you can either repay the loan or negotiate a second fixed-interest period at the then applicable interest conditions.

As a matter of principle, you should always strive for the fastest possible debt relief. However, loan repayment terms of 40 and more years are not uncommon due to the sums of credit that are often high in mortgage lending. The chosen repayment term crucially depends on the amount of credit that a borrower can provide on a permanent basis.

With low lending rates, annuity loans usually have a particularly long loan term. The reason for this is that the annuity rate is composed of principal and interest. The easiest way to illustrate this is by means of an example: A construction loan of more than € 100,000 earns interest at 1.3 percent and is redeemed at one percent per annum. The annual annuity (1.3 percent interest and one percent repayment) is therefore 2.3 percent, the monthly loan installment at 191.67 euros. The repayment term is 64.2 years! If the nominal interest rate were four percent instead, the annual annuity would be five percent. With a monthly installment of € 416.67, the loan repayment term is “only” 40.33 years, as the higher interest rates lead to faster repayments.

Higher repayment performance can be useful

If you, as a borrower, do not want to service your loan at a high retirement age, it is advisable to agree on a significantly higher repayment performance (at least two or three percent) right from the start, especially with low lending rates.

Find the appropriate fixed interest period

Find the appropriate fixed interest period

The selection of the fixed interest period depends in particular on the anticipated interest rate trend on the capital market in the future.

  • If you assume as a borrower that interest rates will rise in the future and you therefore have to conclude a follow-up loan to higher lending rates after expiry of the first fixed-interest period, you should opt for the longest possible fixed-interest period.
  • On the other hand, if you expect falling lending rates, shorter fixed interest periods are recommended.
  • Construction loan interest rates averaged around six to seven percent over the last few decades (peak in September 1983: over 12 percent). In an average interest rate environment, fixed interest periods of five to ten years were common.
  • Very low mortgage rates (at the beginning of 2015: around one percent) should tend to benefit borrowers by agreeing on long-term fixed interest rates of at least ten years. Some banks even offer 30-year fixed interest rates.

In addition, you can adjust the fixed interest period (at least in respect of part of the total loan) to one-off income that you expect in the coming years and that will allow you to repay the loan by special repayment.

Beware of interest rate fixation

With low lending rates, you will not be tempted by exceptionally long loan terms due to the current low loan installment. Keep in mind that if you receive a follow-up loan at significantly higher interest rates at the end of the first fixed-interest period, your financial burden may increase significantly. Arrange for an annual minimum annuity of at least two or three percent to pay off quickly.

Interest rate hedging through a forward loan

If you currently want to secure low interest rates in the long term but are currently still bound by a fixed interest period, you can take out a so-called forward loan.

With a forward loan, you secure the interest rate on a construction loan, which is paid out at an agreed later date, based on the current interest rate level. For example, at the end of your current fixed interest period or at the time of a planned future property. For interest rate hedging, the bank charges you an interest charge (depending on the length of the forward period). By concluding a forward loan, you also undertake legally binding acceptance of the loan on the agreed date. Forward loans can be completed up to 60 months before the planned payout date.

Compare building loans worthwhile

Compare building loans worthwhile

First, determine the monthly budget available to you to operate a construction loan. For this purpose, our monthly load capacity or household calculator tools are available to give you a good overview of your budget surplus. Consider also a cash reserve and make sure that you do not have to restrict yourself too much when taking out home loan.

Then compare the loan offers from various banks and financing experts. Decisive in particular is the annual percentage rate of charge. FinanceScout24.de allows you to obtain a non-binding offer for a construction loan. The following information is required for this:

  • The type of financing (new or follow-up financing)
  • Purchase price, purchase costs and equity
  • Expected financing date
  • Type of use (own or third-party use of the property)
  • Your employment (eg employed or self-employed)
  • Your household net income
  • Your personal contact information

Your private data is only needed to calculate the cheapest interest rate.

In addition, you can use the comparison calculator to provide additional information and special requests to the selected financing partner. You will receive information about the most favorable construction loan according to your specifications.

When applying for a homebuilding loan, certain documents must be submitted. Depending on the lender, the requirements may differ. The following documents are usual:

  • Identity card (possibly legitimacy check by post- ID procedure )
  • Salary statements (mostly the last three months)
  • tax assessment

The self-employed also provide balance sheets, business evaluations and, if available, a certificate of incorporation. In addition, the bank needs information about the property to be financed:

  • Deed
  • Map
  • building plans
  • specifications
  • building permit
  • insurance certificates

The processing time until the loan decision varies between the individual banks. Mostly, a loan decision is made on a standardized home loan in three to five working days. However, the period between the application for a loan and the decision to lend depends on possible specificities of the individual case. An extension of the procedure may include any necessary inquiries from the bank or missing or incomplete documents.

earmarking

A building loan is earmarked. In order to ensure compliance with the agreed earmarking, the bank transfers funds directly to the contracted construction company or to craftsmen on presentation of construction status reports as well as proof of use or invoices by the borrower.

Commitment and ancillary costs

At the beginning of the loan term, the financing bank must provide the loan funds. The Bank incurs costs through tied and unused capital. As a result, the credit institution usually calculates a provisioning interest on the parts of the loan that have not yet been disbursed three or six months after the start of the repayment term. Depending on the bank, the commitment rates amount to approximately 0.2 to 0.25 per cent per month (2.4 to 3 per cent annually). Further costs for application processing and account management are usually not calculated. However, there are fees for the valuation of the property to be leased.

For leased real estate, a number of expenses in the income tax return may be recognized as tax deductible. These include, for example, all ancillary labor costs, distance payments for furnishings and old building repairs. In most cases, the tax offices also recognize the debit interest that arises on the occasion of real estate construction as income-related expenses. In the case of an owner-occupied building, the assertion of costs is only permissible in individual cases, such as renovation costs as extraordinary charges.

Additional costs with which you should expect

In addition to the purchase price of a property, the following additional costs must be taken into account in the financing plan:

  • Property transfer tax (3.5 to 6 percent of the purchase price, depending on the state)
  • Brokerage fees (3 to 6 percent)
  • Costs for notary and land registry office (about 2 percent)
  • Cost of planning by an architect (in new building)
  • Costs for insurance (owner’s liability insurance, homeowners insurance, home insurance, elementary insurance)
  • You should also reserve a financial reserve for the purchase of home furnishings

How much equity is needed for a home loan?

How much equity is needed for a home loan?

Often a minimum of 20 percent equity is recommended. If you contribute equity to your mortgage lending, your interest burden as well as the interest rate risk will be reduced at the end of the fixed interest period. You also become faster debt free. The use of equity also reduces the credit risk of the financing bank, which can therefore offer you a slightly lower lending rate.

Loans without equity are only recommended in individual cases. If you do not contribute equity, you will have to expect a higher lending rate. However, it is also possible to provide additional collateral such as land charges on other plots of land, the pledging of securities or the granting of a valuable guarantee by third parties.

State funding

The state provides financial support to builders in various forms. Support programs of the Kreditanstalt für Wiederaufbau support, for example:

  • For the purchase or construction of residential real estate, in particular for so-called Intrasavings bank Efficiency Houses
  • On acquisition of an energetically refurbished old building
  • When buying or converting an age-appropriate residential building

A government-subsidized “Wohn-Riester” contract can also help you finance your property.

Construction loan without Private credit?

A construction loan without Private credit is a loan that is paid out without a credit check of the borrowing by request to the Private credit. However, loans without Private credit usually incur significantly higher costs. Pay attention to the seriousness of providers of construction loans without Private credit.Our dubious providers often recognize you by the following criteria:

  • No collateral is required
  • You will be asked to pay an upfront fee regardless of a positive credit decision
  • The disclosure of your data for advertising purposes is not excluded

Replacing construction loan: Early repayment

At the end of a fixed interest period, the borrower may replace part or all of the construction loan. In addition, the borrower may make special payments under the contractual redemption rights.

Otherwise, premature repayment within a fixed interest period is generally not possible. Within a fixed interest period, the borrower can assert a “legitimate interest” to terminate the loan only in exceptional cases (§ 490 paragraph 2 BGB). This is the case, for example, with relocation, over-indebtedness or unemployment. In addition, terminable or traceable are:

  • Land registry not (anymore) secured construction loans,
  • Variable rate mortgages and
  • Building savings loan (according to the terms and conditions for home savings contracts).

If there is a statutory or contractual reason for termination, there are basically no costs for a termination.

Repayment after revocation

Loan agreements may be revoked within 14 days after conclusion of the contract (§§ 495, 335 BGB). In the case of a faulty declaration of revocation in the construction loan agreement, there is a so-called “perpetual right of revocation” even years after a contract has been concluded.

If a loan is redeemed without any statutory or contractual right to premature redemption, the Bank may charge a prepayment penalty, including a reasonable processing fee, if it incurs interest rate damage.

Follow-up financing for the construction loan

Follow-up financing for the construction loan

After expiry of a fixed interest period, follow-up financing in the amount of the remaining debt is concluded. The borrower can carry out the follow-up financing with his previously lending bank, but can also reschedule to another bank, which offers more favorable terms.


What can I do if I need a loan of money urgently?

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Currently, thousands of people ask themselves the following question: I need an urgent loan, where can I process it?

Urgent online loans are emerging as the definitive solution to the liquidity problems that Mexicans face. Nowadays, we live in a time when the instantaneous and the fast predominate, which is why it is necessary to know how to take advantage of the best opportunities, for that reason these urgent loans are a great help to achieve it.

To access this interesting alternative of urgent online loans in Mexico, the institutions offer a wide range of possibilities, all of them linked to immediate, agile procedures and without major requirements to present.

Urgent online loans in Mexico

In our country, urgent loans without paperwork are designed to give a true response to the immediate money requirements ; they are approved instantly, processed entirely online and, in addition, it is not necessary to present the amount of requirements to which traditional banking has accustomed us.

Any citizen can apply for their loan via the web, without delays and without endless procedures, to have cash almost instantaneously. You just need to fill in your personal information online, select the amount of money you need and determine the time you can return it.

This innovative way of granting quick loans in Mexico represents a relief for anyone who is excluded from the current financial system and who needs to solve an economic emergency in the shortest time.

Loans without paperwork and urgent

The possibilities offered by Internet access and the opportunity to be connected from any point in the country facilitate fast procedures in favor of customers, allowing companies, as in the case of us, to provide a quality service and immediate way In that way, you just need to fill out a simple form to access a world of online financing options.

The first step to be closer to the dream credit is to choose the amount of the loan and the term in which it is intended to return. Then, through a more than intuitive form, it is possible to complete the personal data and wait a few minutes until receiving the confirmation email.

There is no need to submit any documentation or extra requirements to access these urgent loans; Disbursement is made through the transfer of accounts and, generally, it takes only a few hours after the management is approved.

In this way, it is no longer necessary to make long lines or present endless papers and certificates that prove the credit profile of the applicant; Now everything is simpler, with a completely online procedure and without having to submit endless guarantees.

Advantages of processing an urgent loan

The urgent loans represent a great advance in the way in which credits are granted in our country:

Awarded in record time

One of the most valuable resources of every person is their time, and this credit alternative is designed to make the most of it. As it is a procedure that is carried out completely by Internet, the management time that usually took to apply for a bank loan is greatly shortened.

Processed without leaving home

Another indisputable advantage of the urgent loans of 24 hours is the possibility of managing the entire process from the comfort of home or office; only with a digital device with internet connection, it is possible to access a complete list with the different loan alternatives that fit the profile of the applicant.

An urgent loan, without endorsement

One of the most important benefits is the great opportunity it means to be able to count on an urgent fast loan without guarantee and without a bureau, that is to say, without having to present guarantees, guarantees or, even without having a faultless credit profile. This is because many of the lenders do not take into account the credit bureau to approve a disbursement.

More than one Mexican has ever thought: “I’m in a credit bureau and I need a loan of money urgently “; For them, this funding opportunity is presented as the solution to their problems.

I’m in the credit bureau and I need an urgent loan

This alternative of urgent loans without a bureau is aimed at anyone who has the need to solve an immediate liquidity problem and who can not wait for the time it takes to manage a loan in traditional financial institutions. Many of the applicants, in addition, are not taken into account by the current financial system because they do not have a credit history in the credit bureau, or this is not very favorable.

This way, many citizens who could not get cash immediately can access the loans without urgent credit bureaus. The lenders offer the possibility of having the economic help quickly and safely, without the credit history is an inconvenience.

Also, many lenders have a recognition system that provides benefits for the fulfillment of payments; thus, when requesting an urgent loan without checking Buró de Crédito and respecting the dates of payment in detail, the company includes them in its loyalty list that will grant them the possibility of requesting larger sums in the next credits, with longer terms of time.

I need an urgent loan for today

If you need a quick loan of money, this may be the option you are looking for. Urgent loans without payroll or endorsement are consolidating as the quickest, fastest and safest option to access financing that will allow them to face any shortfall in liquidity.

From paying a receipt for expiring services to assuming the expenses of a medical emergency; Whatever the urgency, an urgent online loan without a Bureau can represent the solution for the relief of thousands of Mexicans.

Easy to process and managed in just a fraction of time, urgent personal online loans put the Internet and new technology platforms at the service of those who need it most. Apply for the loans online and tell us your experience.


Loans for the unemployed

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The loans for unemployed are an excellent possibility for those who do not have employment. Generally, this type of quick loans is very requested in times of economic crisis that we live. It is very requested because of the difficulty that the unemployed have in receiving financing from different financial institutions, and also because it is difficult to find work today.

For this reason, our microfinance company offers the best loans for the unemployed. So that you never run out of money. So you can fix your situation and sleep quietly.

What are the characteristics of loans for the unemployed?

You can apply for online loans starting at € 50, and up to € 200 if this is the first time you have requested fast money online. On the other hand, for our loyal customers, we offer up to 600 euros with excellent conditions. However, the repayment terms will be up to 28 days, ask for the microcredit that you request.

Another feature of the loans without payroll, is its versatility and comfort. Although the maximum repayment term is 28 calendar days, you will always have the option to request an extension of your loan fast.

Also, by having these quick loans, you can make an early refund. You can return your loan quickly before the agreed period without any fines or commissions. This way you can have the situation more controlled and you will save money so that you get a cheap loan for the unemployed.

Is it quick to apply for loans for the unemployed?

Of course, We, in most cases does not need more than 20 minutes to give a response related to your request. Our online loans are really fast and require the minimum requirements.

Go ahead, ask for your money fast now, because applying for loans for the unemployed on our website is the most effective and transparent way to have money online!


Quick loans to cover contingencies

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The best quick loans to cover any type of unforeseen

There are often urgent financial situations and we are faced with the need to request an immediate credit. The traditional ways of getting quick money are often out of reach, since banks demand too many papers and impose conditions that are practically impossible to meet. It is also noteworthy that banks are not interested in lending small amounts of money, and take a long time to respond. It is a combination of conditions absolutely unacceptable in the face of an economic emergency.

To fix the situation, We offers you quick money with the minimum requirements. The quick loans that we issue may cover your specific needs.

Pulpocredit helps you apply for a quick credit to get out of trouble

We want to help you – it is our mission to lend quick money, making it easy for the client. We offer you cheap online loans in the shortest time and with the minimum paperwork. Directly with your home computer, or even with your mobile you can access our website and request your loan instantly. We will analyze your application, and once it is approved, you will receive the money in your bank account.

What are the requirements to request a fast online loan?

To request a microloan, you must meet our main requirements:

  • Age – between 21 years and 75 years
  • Residence – permanently reside in Spain
  • Documentation – have a valid National Identity Document
  • Telephone – have a mobile phone number
  • Bank account – have a bank account in your name, opened in a bank in Spain; The amount of your quick loan will be transferred to this bank account automatically.

Fast online credits allow you to have the money in minutes counted

The advantages of online loans are obvious, since you do not have to queue at the bank, you do not have to travel to the financial institution and wait for the answer for an “eternity” – because when money is needed urgently the waiting they make eternal! It is enough to submit the application online and receive the answer in a few minutes. Normally it does not take more than 15 minutes to receive the money in your bank account, once the loan is approved.

Take the opportunity and enjoy your quick loan online!

Our immediate loans are safe and transparent

The quick credits in us will allow you to solve your financial contingencies, fix your urgent financial situation. By requesting money on our website you can benefit from the following advantages:

  • Security, since we are committed to protecting all the data presented by our clients
  • Transparency, since our loans lack conditions exposed in “small print”
  • Flexibility, since we work 24 hours a day, 365 days a year
  • The responsibility, since we offer some of the cheapest fast loans in the market
  • Trust, because we fulfill what we promise, and we do not demand what was not agreed

Weare your best assistant in the world of personal loans. We are here to help you!