Personal loan for debt consolidation -Learn more about debt consolidation online loan with bad credit

Learn more about debt consolidation online loan with bad credit

The objective pursued with the reunification of debts in Valencia is none other than to unify your debts, payments and expenses in a single installment, so that you can reduce payments along with the mortgage or other loans you already have to obtain liquidity and get to get quieter at the end of the month.

In our country, it is increasingly common for families to resort to obtaining easy loans and to reunify debts as a method to cover family expenses. This, together with the fluctuations of the mortgages, when interest rates rise, lead to having difficulties to cope with the installments of the debts. As a solution to the current situation and with more and more followers, the reunification or regrouping of debts in Valencia is booming.

We offers you up to € 20,000 to return in a maximum of 10 years.

What is REUNIFICATION OF DEBTS in the Valencian Community?

What is REUNIFICATION OF DEBTS in the Valencian Community?

The reunification of debts, tries to bring together all the consumer credits that a person has to transform them into a single loan or mortgage in Valencia. In this way, a longer term and a lower interest rate are contracted than that of easy loans or personal loans for consumption. By grouping all loans or personal loans can sometimes reduce considerably what these families are paying at the end of the month.



The reunification of debts in Alicante will interest the group of families or companies that need liquidity because they are going through bad economic times. In this way, they will be able to more easily pay their personal loan installments or even those who have stopped paying and the economic situation begins to be very bad because they already have impoundments or an auction of goods imminently. What requirements must be met to qualify for a loan to reunify debts? The objective we pursue is the bad credit consolidate now. In order to consolidate debts, a debt consolidation operation must be carried out in Valencia with incidents, cancellation of foreclosures or reunification of loans in Valencia. A home owned or the possibility of mortgaging that of a close family member, since all the operations that are managed are through loans or mortgage loans in Valencia, will be the main requirement to start talking about debt reunification in Valencia. If you want to reunify your debts and live in the Valencian Community, talk to us. Learn without commitment!

Do you need money urgently?

Urgent money loans have been made a gap among the Spanish. And they have been revealed as very useful sources of funding, since we are in a difficult access to credit.


Never has the world of fast loans experienced a revolution as unique as that of Bonsai Finance. Gone are the long and endless queues in banks, the bureaucratic paperwork and the obstacles for a financial institution to lend you money. Now, you can request urgent money on our website and your money can be in your account in less than … 15 minutes!

Covering an unforeseen event was never so easy

Did you receive an unexpected receipt? A traffic ticket? Did you miss your child’s birthday and are you in a hurry? Have you seen a bid for a trip and do not want it to be taken out of your hands? Do not think about it anymore … and do not move from the seat from which you are reading this.

You just have to have your ID at hand, your bank card, a mobile where we can register on our page and ask how much money you need and how long you plan to return it. That easy. Without unnecessary displacements, without paperwork, payroll to show what you earn, endorsements or wait.

Your money will become a reality if you formalize it from here, comfortably from your chair and making an estimate about when you plan to return it. You will receive an SMS message on your mobile with the activation code and, as soon as you do, your credit will be credited to your checking account in less than a quarter of an hour. Can it be easier than this?

This type of Bonsai Finance credits are at the service of those who request it, and not vice versa. We operate 24 hours a day, 365 days a year. If you have any questions and you want us to solve it, do not worry: you can write us an email and we will respond as soon as possible.

With the credits of Bonsai Finance you will never walk alone. You decide the commission that we will charge you according to the conditions of return that you yourself establish: you can request from 200 to 800 euros and return them from one to six weeks.

Wee make it really easy for you: processing the application, the conditions of the urgent money and the almost instantaneous disposition of the capital. Absolutely everything at a click click. Can you believe it?

Now you can allow yourself that whim you had in mind every time you went past that computer store, or take advantage of the bargain you’ve seen this morning at your favorite travel agency and enjoy that magnificent trip to Cancun with a companion … 400 euros!

So, do not hesitate, you can already pack with your relative and ask for a few days of vacation because Bonsai Finance credits online   They make all your dreams come true … with a click!

We tell you all about the urgent money online

Urgent money online is a concept that, in three words, reveals the characteristics of a financial product that is reaching a certain height. Not in vain, it is common to see announcements, in prime time , of urgent money loans online.

The loan of an amount of money (between 200 and 800 euros), as a matter of urgency and through a procedure via Internet, solves the most inopportune economic problems.

The facilities relating to the loan of urgent money online

Urgency and comfort come together in this financial product. You have to face a payment that is causing you burdens (for example, a traffic ticket or mandatory reforms in your company (to meet the requirements of environmental protection) and, in addition, there is a deadline for this payment Not paying on time will cause more serious problems.

Therefore, it will be good for you to know how you can access fast money online. The last thing you need, in cases like the ones we’ve told you about, are paperwork that delays your payments. Who pays rests (and who charges, more), says the popular proverb. And we take this very seriously.

Be clear that this type of financial product is characterized by the elimination of heavy and cumbersome procedures. No more complicated forms and unusual demands. In fact, the requirements that you have to fulfill are very simple: documentation in order, regular source of income, current account, age between the age of majority and 65, mobile phone (to receive notifications about the management of urgent money on-line)…

But, in this text, we want to focus on the greater facility. Without a doubt, that is to be able to do the procedures from your home. By Internet. At the click of a button you can solve all those questions that, before, were related to the handling of paperwork and the endless waiting in windows and counters. You will not lose more than just time.

Comfortably, from your seat, you will be able to perform all the procedures to request and receive your money

urgent online. Comfort, therefore, is one of the most appreciated features of urgent money online.

Know the steps to follow to request your money and

The phases to request your urgent money are as simple as the brief outline that we are going to explain to you. Anyone with a user level on the Internet can understand it without any problem.

You have to enter our website and create a user account, in which you will receive notifications about the loan. Afterwards, you can now select the amount of the loan you want and the time in which you will return it.

Finally, you will receive the requested money in your checking account in a quarter of an hour.

How can you get urgent money online?

Getting money urgently (that is, money already) is easier than you can imagine. It is clear that we come from an era in which access to bank credit has become complicated. But, for that very reason, people have started to look for other alternatives and have found the solution: it is urgent online money. Next, we will tell you how you can receive a loan of this type.

The keys to request urgent money online … and that they grant it

It will not cost you to imagine a situation in which you need a quantity of money urgently, since we assume that you have gone through some of them in recent times.

You may have needed a few tens of euros to pay a fine (and not have to pay interest late, if you delay), buy an item that was on sale (only for a while) or install some machinery that would allow your business generate more income.

They are cases in which you need the money already, so you can not get entangled with the accreditation of the guarantees currently requested by banks, which try to minimize the risks for the returns that are not made in form and date. Your interests are other, since you need money urgently without payroll or endorsements in between. Simply, you are clear that you will be able to repay the loan, since, in the course of the agreed term, you will have enough income for it.

You can access this urgent money without payroll or other requirements thanks to a management via Internet. Keep in mind the significant savings of time and money involved, since you will not have to relive long waits in the queues of the branches of the branches or have to process the typical paperwork.

You just have to create your account on the website and select the amount you want and the period in which you agree to return it, which will generate the corresponding fees. For example, from 200 to 800 euros that will have to be returned in a period that will vary between a week and a month and a half.

In order to benefit from this advantageous system, you will only have to fulfill a series of very basic conditions: majority of age, regular source of income, ownership of a current account in which you wish to receive the loan, contact information regarding the notifications to receive …

You will be surprised how quickly you will receive the money, since it will reach the current account that you have signaled in less than a quarter of an hour.

Do you need money now?

We’ll explain it more clearly with a couple of examples. Imagine that you have to pay a fine whose interest on late payment can make you lose even more money. Then, put yourself in the shoes of a restaurateur who can not open his premises (therefore, does not generate the appropriate income) until he invests in the realization of a work that, in order to carry out his work, it demands the City Council of his city.

It is, therefore, a few loans that can be returned in the short term and avoid having to pay more money, so they will not generate you over debt.

Finally, we remind you that being able to apply for these loans online makes things much easier. This formula implies an important saving of time and money, since you will not have to endure the queues before the windows of the branches or take the photocopies that you will have to present in them.

You can ask for urgent money without payroll or other guarantees, since the conditions that we will demand are minimal: be between 18 and 65 years old, a regular source of income and a mobile number from which to receive notifications.

With just one click, you can manage the quick credit you need from our website. You will select the amount you need and the return period. And, if all your data is correct, you will receive, in a quarter of an hour, the money already. You will have it at your disposal, with maximum comfort, in your current account.

Online Credits Immediate Response

The quick response quick credits have become a good source of funding to get extra liquidity the month you need it. The main advantage of these credits is their ease of access, speed and immediacy. Thanks to their values, they have become widespread as a very useful resource for Spanish families.

Why apply for credit online immediately response

Throughout the year, you can find times when you need extra money to meet certain expenses, such as paying taxes, returning to school, fixing the car, university enrollment or any other unexpected , or planned, that requires you to have immediate liquidity.

Online credits immediate response

There are many people who prefer to request an online credit immediate response to deal with those expenses. The answer to the request is immediate and you can have the money a few minutes later in the bank account that you have indicated.

The most demanded immediate response online credits are those that range between 300 and 800 euros, which are normally returned between four and six weeks. The money is lent without interest. As a consumer you have the information of the fees to which the management expenses amount from the first moment, so that the operation is carried out with total transparency.

The beneficiary presents the documentation, which is usually the DNI, to formalize the contract. All the management is telematic, without displacements or queues in the bank. More and more people like you, even if you like to save, prefer to apply for a mini-credit to meet certain payments, without sacrificing the family economy.

Dismantling myths

When you read the conditions of these credits, you will see the transparency in the management. The companies that grant them are not part of the traditional banking circle, nor of the financial ones. They have agile structures that favor speed, thus avoiding all the bureaucracy. Its services are covered by Law 22/2007 , of July 11, on distance marketing of financial services for consumers, which regulates the credits from private to private.

The microcredit companies offer the service of online credits for immediate response, just as others market other products or services. Even their fees for lending money are smaller than those of traditional banking, without personal guarantees, or payments to the notary, or explanations of more.

How you can request a quick credit for immediate response

In order for you to benefit, you just have to follow the steps of the website. You can choose between small credits, which range between 300 and 800 euros, or personal loans that can be up to 5,000 euros. You yourself will choose the deadlines to return the money. You only need the DNI and the account number in which you want to make the deposit.

Instant online credits

Instant online credits have become a necessity for a large number of domestic economies. If you still do not know them, it’s time to get up to date by reading these lines, as you may need them soon.

Why have instant online credits become so popular?

Basically, we have to tell you that these financial products have come as a close-up to many savers and entrepreneurs who had seen how, after the economic crisis of the past few years, access to credit was complicated.

Therefore, they had to look for solutions in other credit institutions alternative to conventional banks, since the latter required certain requirements (to cover their backs against the potential risks of non-payment) that, on occasion, they could not comply with.

The problem was not only the difficulty of assuming all these demands, but also in the time that might be necessary to fulfill them. As you also know, there are payments in which the haste of the payment is one of the unavoidable conditions.

Therefore, this obligation to face certain payments in a way that is practically immediate could lead to discarding the use of lines of credit from the banks of a lifetime.

The solution to this problem, consequently, was in the immediate online credits. These are financial products tailored to certain economic needs that can not be postponed.

Here are some examples of contexts in which opting for these loans would be more than justified (keep in mind that abusing them for current payments could lead to over-indebtedness):

  • The payment of one of those fines whose amount, if you delay your payment, goes up in price.
  • The payment of a trip for the summer that is of offer (you lack some euros to face it).
  • The implementation of some necessary works so that your store can obtain the opening license and, therefore, begin to produce income.

In short, situations that require a contribution of money, not excessively high, quickly. This has been revealed as the main function of our immediate online credits.

But for the money to reach your account in about fifteen minutes, you have had to benefit from a couple of advantages. On the one hand, the elimination of the requirement of certain guarantees, such as the guarantee, the payroll or the absence of the delinquent census. On the other hand, the easing of cumbersome procedures, such as the request for documentation or waiting at the physical headquarters of the branches.

Doing the procedures on the Internet facilitates all these procedures, which, without a doubt, will mean an important saving of time and money.

Mini loans TongaBank

The TongaBank mini-loan   It is the ideal solution to face those unforeseen events that sometimes appear in the most unexpected moments.

With the TongaBank minicréditos you can get your first mini-credit of up to € 300 completely free if you reimburse within 15 days .

You are interested if

The billing expenses of your home have increased this month or the money for your children’s school supplies has fallen short or for any other question of a similar nature, this way of obtaining money could benefit you pleasantly.


Key points

Short description TongaBank is a mini-credit system that helps you easily solve your unexpected problems. Based on transparency and trust between the entity and the client, it offers up to 300 euros on your first loan. In addition, it allows you the opportunity to return it in 15 days and so it comes out free.

For these reasons, it is a good option if you want to feel safe when requesting money to pay for your expenses.

This loan is very transparent because:

– You will know from the minute one the cost of the loan that you are going to receive.

– You can freely choose when to pay your loan. You will have a period of 60 days after the established date.

– The first time you will have a maximum limit of € 300 to apply, but then this will increase to € 700.

– They can not be used to pay other credits.

Limits and deadlines If it is the first time that you request it, you must be clear that the limit of the money that you can request is 300 euros, which you can recover if you reimburse them in 15 days. That is, you can get a free mini-credit for free.

Obviating this promotional offer, you will have a period of 60 days to return them from the moment you accept and receive the credit. If you are already a customer, the maximum to request increases up to € 700.

Information to be taken into account: TongaBank offers you the possibility to extend the payment of your credit up to 30 days if you request one day before the expiration date

Acceptance times Using the online service you will get it immediately and you will receive the money in 15 minutes.
TAE If you reimburse during the first 15 days you will not have to pay TAE tax or interest. If you pay the amount between days 16 and 45 you will be charged 0.99% daily interest, which will then be increased to 1.25%.
How to hire it Well hire it both from the website and by phone in an easy and fast way.
Main requirements One of its biggest advantages is that to apply for this loan you will not need a guarantee. You are only required to reside in Spain , be of legal age, have a bank account in the name of TongaBank and receive monthly income for having a payroll, an unemployment benefit, a salary as self-employed or retirement.

TongaBank mini-loan: the product

Main characteristics of the mini-loan

Main characteristics of the mini-loan

The TongaBank mini-loan is a service that offers you the possibility of receiving, in just 15 minutes after acceptance, an economic bonus to be able to deal with various financial problems that have arisen.

Advantages – disadvantages of this loan

Advantages - disadvantages of this loan

Whether you are a new customer or not, there are certain advantages that you can benefit from. For example, you will not pay any interest if you return the loan in the first 15 days after your contract. What’s more, if it’s your first loan and you meet this deadline, all the money paid will be returned to you.

You will have a flexible period of 60 days to be able to make the payment freely, and you can also postpone it another 30 days if necessary by notifying one day before the end of the delivery period. Of course, the longer you delay in returning it, the more interest will logically increase.

If you are a regular customer and have already used this financial method, you can obtain great advantages, such as discounts ranging from 10 to 20%.

Perhaps, the main disadvantage of TongaBank is that it does not confirm 100% that you are going to receive a loan even if you meet the basic requirements, because they have to evaluate all the influx of clients they have and decide which ones to repay the loan. safe way.

It is true that we must bear in mind that it is not designed as a long-term loan; if you want this, costs can go up

Conclusions and interest

Conclusions and interest

If you meet the basic requirements (adult, monthly income, have a bank account in the name of TongaBank and reside in Spain) we will begin to evaluate whether or not you meet the necessary characteristics to be able to repay the loan.

With the online service, you can request your loan at any time of the day, and on any device with Internet you can easily access the documents that you are required to fill out. Then you will know the different ways to pay the money and the options to pay in advance and save part of the income.

In short, if you want a loan quickly and you’re sure you can face it, Wango   it is an option to be taken into account due to the number of advantages that they offer within the sector of financial mini-credits.

The company: TongaBank

You are interested if

It is a financial technology company that was born in London in 2007 with ample solvency in the financial world, being the first company that was established worldwide in quick loans.

All this information, as well as the total costs of your credit, you will know from the first moment because what defines TongaBank is the   transparency and flexibility. With these elements, we make sure that we treat our clients with affection and fidelize them.

Our Expert advice 

You can directly access this mini-credit and get the advantages that this loan offers at the moment. Contact us if you have any questions.

To conclude, you must take into account that, although it is an accessible online service that allows you to get away from bureaucratic procedures and the requirement of having a guarantee. Thanks to the advantages of the TongaBank mini loan, you will be able to know from the minute one what is the amount of money that you have to pay and so you will know the answer to this question.


Personal loans Yoabank

We present the Yoabank personal loans service, which represents a financing opportunity for any objective you have in mind. You will be able to carry out the request of a credit that you will be able to return in comfortable terms, in a responsible and sustainable way for your personal economy.

Get up to € 60,000 in just 48 hours with the personal loan from Yoabank, with which you can finance any of your projects from a 6.12% APR.

You are interested if

You need a loan of any amount, dedicated specifically for consumption and personal projects, and that you can adapt in the amount of the monthly fee in an appropriate way to the level of your personal finances. All without changing your current bank.


Key points

Short description The Yoabank personal loan allows you to request a money quickly and it will be paid in less than 48 hours.
Limits and deadlines With this loan you can request from a minimum of 6,000 euros to a maximum of 60,000. The time for its return can go from 12 months to 8 years.
Acceptance times The pre-approval is carried out immediately after a simple procedure that is done through the Internet.
TAE The minimum APR is 6.12%, and the maximum is 14.82%. The exact percentage will depend on the purpose and amount of the loan.

As an example, 7,18% APR for a loan of 12,000 euros to be repaid in 96 months, dedicated to a reform of the home .

How to hire it Recruitment is done through the Yoabank online portal, from any device capable of connecting to the Internet.
Main requirements The main requirements to apply for this loan are to have a source of income by payroll, pension or income as a self-employed person.


Yoabank personal loans, information about the product

Main features

At Bonsai Finance, we believe that Yoabank personal loans represent a form of financing that is as flexible as possible. These allow you to have a practically immediate way of your money, being able to use it for whatever you want.

In addition, the number of installments is determined by you based on your financial capacity to meet the amount of the installments.

Unlike most online credits of this type, Yoabank personal loans are designed individually. Thus, they will offer you a series of options according to your needs and the objective with which you request the loan.

We remind you again that the minimum amount of money you can request is 6,000 euros, and the maximum 60,000. The return, on the other hand, can be adjusted between the periods of 12 months to 8 years.

You must bear in mind that Yoabank offers these loans mainly for the purpose of consumption, so it will not grant you loans for lotteries, business assets, treasury or the payment of taxes.

In addition, it is essential to present a minimum income of 1,200 euros per month, with a contract for indefinite employment of at least two years old. They also have restricted the granting of the loan to those under 28 years, considering the ideal age for it the range between 35 and 55 years.

How does it work?

Carrying out the hiring process will not be complicated for you. You only need a device that can connect to the Internet to access the Yoabank online portal.

Once there, you will only have to fill out a credit application form, after which you will be sent in an automatic response the request for the necessary documentation to assess the concession. It is important to provide a document justifying the purpose for which you want to use the money.

Once all the information has been sent, you will receive a contract regarding the loan that you will have to sign, and after receiving it from the entity, you will receive the money within a maximum period of 48 hours, whatever your bank may be.


From Bonsai Finance we recommend this product if you need a credit for consumption that suits your financial situation. You must consider that it is not a microcredit company, but for high loans of up to 60,000 euros.

The conditions of these personal loans are among the most competitive, with the lowest APR interests, compared with the average of other loans dedicated to consumption in Spain. On the other hand, the speed of the management of the requests is another value that you must take into account.

The main disadvantage of this product is the need to demonstrate a monthly income of a fairly high amount. As well as the obligatory presentation of an indefinite contract if you are a paid employee. Also, in order for your application to be approved, you must be at least 28 years old.

You must also be very sure that you will be able to face the payment of the contracted fees. Otherwise, the entity will contact you before passing your case to a recovery company, which will probably pressurize you.

The company: Yoabank

It is a company of French origin that has specialized in credit for consumption, online credit and cards. It represents the commercial brand of financing of BNP Paribas, one of the most important banks in Europe, fruit of the merger in 2000 of the National Bank of France and the Paribas.

It has been established in thirty countries, accumulating a portfolio of more than 27 million customers. Its main activity is financing at the point of sale. And it has a presence in more than 1,000 vehicle dealerships and 4,000 partner stores.

Corporate Council

At Bonsai Finance we believe that this personal loan is recommended for you if you are aware of your financial situation and enjoy a certain stability in terms of your monthly income.

Among its advantages are the speed of the loan, once you have provided all the documentation, and the high amounts you can finance.

However, to access the concession of personal loans Yoabankse require quite demanding requirements. And once it is granted to you, you must make sure to comply with all the quotas at the time. The company will hardly bother to contact you once before turning to third parties to demand the return.

Apply for Fast Loans With Financial Credit Institutions Now! It’s Very Simple

Many people who want to request an amount of money borrowed from a financial institution are faced with the problem of being on the Financial Credit Institutions list. In it, are kept the names of all those who have some debt that has not been resolved. The debt does not prevent you from getting fast loans with Financial Credit Institutions on many occasions.

In addition, these debts do not necessarily have to be with banks. Also, you may have telephone, electrical and other types of companies. Luckily, there are more ways to get a fast loan with Financial Credit Institutions. We will give you all the information you need below.

What is the Financial Credit Institutions list?

What is the ASNEF list?

The first thing you should know is what the Financial Credit Institutions list is. It consists of the most famous register of defaulters in the world. However, far from what many people think, it is not a database that the State manages. It is important to clarify it, since it is only a file that has been created by the associated financial entities and managed by a private company.

That is to say, that this file is fed by its clients, which are companies of all kinds. As we have said, they can be banks, but also telephony operators, or electric companies. Customers of these companies or banks that do not pay their bills are included in this database.

On many occasions, a person may end up in the file simply because of a disagreement in a payment. However, Financial Credit Institutions is a well-known information mechanism that provides the identity of delinquent people so that others avoid doing business with them, so these people will also have more difficulties when it comes to getting fast loans online with Financial Credit Institutions.

In any case, we must clarify that, even if it consists of a completely private database, the management of the list must fully respect the law. Above all, in everything that is related to the General Data Protection Regulation (RGPD), which is already in force throughout the European territory.

Operating rules

The list   Financial Credit Institutions has its own operating rules. For example, regarding the consultation of the personal data that is registered, about when the inclusion in the file of a delinquent person must be notified or, well, how long is the maximum time of permanence.

In addition, a final aspect to clarify is that since it is not managed by the State, you should know that it is not the only existing default file, even if it is the most famous one. There are other records in which the data of defaulters or people who have risk products are archived. For example, RAI, Cirbe or Badexcug are some of them.

And if you want to know if you are inside Financial Credit Institutions?

Fast Loans With Asnef Request

If you have any doubt about whether you are included in the file, you can consult it. Anyone can check if it is part of a list of defaulters. Many of them choose to consult their banking entity so that it is they who provide the data to customers once they have consulted.

However, you can also establish direct contact with any of the delinquent entities, either by e-mail , by going in person, by correspondence, by phone or as you wish. In the case of the list of Financial Credit Institutions is easy. You can check if you are on the list either through its website or by any of its contact methods: fax, postal or electronic mail or by phone.

The main negative consequences of being in Financial Credit Institutions

From the economic point of view, being on the list can make life very difficult. Although it does not have any penal consequences, it will be difficult for you to get loans in general. In the event that a service company discovers that your data is included in this file of defaulters, it will lose the trust it has in you and cancel the procedure for processing a contract.

Is it possible to receive loans with Financial Credit Institutions?

Is it possible to receive loans with ASNEF?

Getting fast loans with Financial Credit Institutions is possible. The main reason is as simple as knowing that there is no law that prevents it. In reality, we should not forget that the default files, such as Financial Credit Institutions, are managed by private companies. It is the companies themselves that impose on themselves the rules of not doing any business with people who have outstanding debts.

However, there are other entities that do not agree with the existence of this list of non-payment. Although its usefulness is undeniable, it can also unjustly generate the stigmatization of many people. Therefore, even being within this list access to quick loans   It is still possible.

The best known way is to get mini-loans online . The prefix “mini” implies that the amounts that will be granted will be small, contained and assumable. This is the main reason why the loans that you can get must be left for situations of real emergency, such as unforeseen events.

But, yes, for the entities that offer them, being on the Financial Credit Institutions list does not consist in any obstacle to receive any of these loans, since they accept most requests.

Why apply for fast loans online with Financial Credit Institutions

As for the “speed” of the loans, we must explain that the adjective can be attributed both to the ease of its application and to the lightness of its concession. In the case of the ease of application, we must emphasize that the only thing you will need is an intelligent electronic device that has an Internet connection, be it a mobile phone or a computer.

All you have to do is fill out a simple form that does not have more than two steps, give your personal information and the number of the account in which you want to receive the amount you have requested. It has no major bureaucracy and in many cases, you will not even need endorsement or payroll. Of course, you will need to prove a second source of income, such as pensions, the granting of a scholarship or have income as self-employed.

On the other hand, loans are very quick to grant, since the entities that offer them are usually working 24 hours a day and every day of the week so that requests can be processed as quickly as possible.

In fact, the amount does not usually take more than 15 minutes to reach the account since you press the button where it says “request”, so many times they also receive the name of instant. In any case, it will not take more than 48 hours.

Why banks do not give quick loans if you are in Financial Credit Institutions

A bank does not offer quick loans if you are in Financial Credit Institutions. In the first place, this is due to the lack of confidence towards all those who are. Mistrust has arisen mainly since the global financial crisis that affected, above all, the loan concessions.

The banks have reached a point where they want to cover their backs at all costs in terms of economic issues. Therefore, get quick loans   in a bank it is just a utopia. Banks usually offer financing today to those who do not need it because they have more favorable economic situations, since this is almost certainly going to be returned.

It is also important to know that Financial Credit Institutions is an association that has been formed by a large number of different companies, which are very important in our country. For that reason, the first thing you will do if you request a loan is to consult the list of non-payment of this file.

What are the fast online loans with Financial Credit Institutions used for?

What are the fast online loans with asnef used for?

Quick loans, as you have seen, are amounts that are granted instantly and very easily. You just have to fill out a very simple application without bureaucracy. However, the amount you will receive is small, so that it is more affordable and, probably, the commissions will be higher.

The quick loans that are acquired while in Financial Credit Institutions can be used for expenses of different nature and nature. Although as we have said, it is advisable to leave it for real emergencies and unforeseen events, not everyone leaves it for extreme situations.

There are people who use these credits as a tool to properly organize their family or personal economy. In this way, this is another way of using fast loans while in the file.

Of course, the most frequent uses of the quick and simple mini-loans are the small unforeseen expenses for which the maturity can not wait. The use of the money varies from the payment of a tuition of your children to a fine that you have put in traffic, whose period of payment decreased is about to end and that is why you are interested in getting fast money.

These are just some more common examples, since these loans work very quickly: you apply, they arrive and you pay them. That is your operating cycle. There are also people who use them due to a specific lack of liquidity, since sometimes, despite making a great effort, they are taking more than the account to pay you some salary, service or something of the style and expenses that you have They face each month can not wait.

Other examples are a rent, the mortgage, a receipt of water or electricity, the letter of the car or the like. With microloans, you can receive the money instantly after requesting it and immediately comply with your most urgent obligations.

A last less usual use but to which there are also people who allocate the amount of the loans they receive are the whims. For example, at a given moment you can improve the level of your vacations or increase one more time a stay away from home.

Also, they spend to go to some punctual and unique show in life that you can not buy tickets or have a dinner in a restaurant that you have been wanting a lot of time to go.

The return of fast loans with Financial Credit Institutions

To return a loan that you have obtained while at Financial Credit Institutions, you always have enough time. From a specific day that you choose or that you are told, up to a period of one month. You choose your preferences for this refund, after which you can immediately request an online micro-loan to solve future possible liquidity needs.

What solutions or alternatives are there for Financial Credit Institutions?

What solutions or alternatives are there for ASNEF?

Being in Financial Credit Institutions puts you in a somewhat complicated and unpleasant situation. But the record in this file of defaulters is not the end of the world.

As we have explained, there is the possibility that you request fast online loans with little bureaucracy, no payroll and no guarantees so you can continue solving your financial problems with total confidence. With quick credits, you can solve your problems of lack of liquidity in a period ranging from 10 minutes to 48 hours maximum.

Likewise, we may leave this list of defaulters. In addition to the microloans, it is possible to wait six years, which is the maximum permanence in the file. If you have spent that time and are still there, you can file a claim with the State Data Protection Agency to exercise your ARCO rights (access, rectification, cancellation and opposition).

Also, you can choose to call Financial Credit Institutions to negotiate your exit or an alternative   to stop being in the file and avoid bad drinks or ask for help from family or friends. Also, once you have verified for yourself the ease and speed of the operation of the microloans, you will like them.

The door of fast loans with Financial Credit Institutions is always open to help you with the unexpected and, in general, with your personal and family economy. As we have mentioned, being in Financial Credit Institutions is not a problem for it, nor the fact of not having a guarantee or payroll.

Microloan Zaloan

With the Microloan Zaloan you can get up to € 300 free if you are a new client, and up to € 700 if you have already applied for loans with the company. No payroll or endorsements.

Get up to € 300 free with your first loan at Zaloan, get the answer in less than 15 minutes and return it in up to 30 days.

You are interested if

You are looking for quick financing to solve an urgent economic problem and you want to save the most. The first time you can get up to € 300 totally free to return in up to 30 days.


Key points


Short description It is a quick loan with acceptance in 15 minutes, which you can have in your account in record time. The first loan has a minimum of € 50 and a maximum of € 300, while successive loans can be up to € 700. One of the most remarkable points of this loan is that the first microcredit is free.
Limits and deadlines The maximum limit that a client can request in his first loan is € 300. For former customers the amount increases to € 700. The credit can be returned within 5 to 30 days.
Acceptance times Zaloan’s response is very fast. You will be able to know if the loan has been accepted in less than 15 minutes, and the money will be deposited in your account immediately if the bank coincides with the lender’s.
TAE The first loan with Zaloan is totally free, so the APR of this loan is 0% for the first time. This means that if you request € 300 you can return it in up to 30 days paying only the € 300 you requested.
How to hire it You can request the Zaloan microcredit through the form found on its website. The request is very easy and fast.
Main requirements To be able to apply for the Zaloan loan and be accepted, you must be between 25 and 70 years old, have a stable source of income, not be registered in a defaulter file as an ASNEF, reside permanently in Spain and have an account number to your name in a national entity.

Mini-credits Zaloan: how are they?

Main characteristics: advantages and disadvantages

Main characteristics: advantages and disadvantages

The microcredit of Zaloan has been designed to solve small economic contingencies for which you do not have the necessary cash, although the company will not ask you what you need the money for. In a first contact with the company Zaloan the maximum that you can request will be € 300, and in successive loans you can get up to € 700.

Zaloan offers the first loan completely free of charge if it is returned within the agreed deadlines in the beginning. There is the possibility of extending the loan if it is not possible to pay it within the stipulated period. This extension can be done for 15 days and has a cost of € 13.74 per € 100 extended for 15 days.

Operation: How to request this mini-credit?

Operation: How to request this mini-credit?

The loan from Zaloan is very simple to request. You only need to visit their website and fill out a simple form. The lender will ask you for the necessary information to know if you are eligible to receive the loan and you can have it entered in your account in less than 15 minutes.

To receive the loan as we have said, immediately, your bank account must match any of those used by Zaloan. Zaloan works with the largest banks in Spain to ensure that it reaches as many customers as possible in record time.

These banks are: Santander, La Caixa, Caja Mar, Bankia, Banesto Bankinter Crédito de Maroc, NovaCaixa Galicia, Banco de Guayaquil, Caixa Penedés, Caja laboral and Banco Popular. If your bank is not among those we have mentioned you will have to wait a little longer to receive your money.

Main conclusions about the product

You are interested if

The Zaloan microcredit is an excellent option to take into account in order to urgently finance an unforeseen event. You can request it from the age of 25 and receive it in your account in less than 15 minutes if your account is in one of the banks with which the entity works.

The fact that the loan is free makes it a good way to save the most. You can get the financing you need without having to make an extra expense. Simply, you will return the money that Zaloan has lent you and not a penny more.

If you are sure that you will be able to face the repayment of the loan within the stipulated period, it is one of the best options. However, if you are not going to have the necessary money to repay the loan, you may have to consider other options: not paying the loan in the right time can cost you money.


The microcredits tend to have a somewhat high interest, but in the case of Zaloan we find a totally free loan that you can take advantage of to face an unforeseen event. If you need money urgently and want to save as much as possible, the Zaloan microcredit can be your best ally.

The company: Zaloan

Zaloan is a company dedicated to financing for people who are in need of urgent money. It differs from other companies in that it offers a first loan of up to € 300 totally free. In addition, it is also characterized by its speed can get to have the money entered into your account in less than 15 minutes.

Our opinion

We have analyzed the microcredit of Zaloan and consider that it is a good product, created with the idea of ​​helping people to finance themselves without spending more. It has been thought to be an easy loan to request and return.

Undoubtedly, the possibilities offered by Zaloan to its clients with this microcredit are very striking. If you want to save the most, get the money you need quickly and choose a company that increases the limit of your credit in future loans, the Microloan Zaloan is an excellent option for you.

Basic tips you need to know about credit with Financial Credit Institutions

Asking for a credit when you are on the Financial Credit Institutions list can be quite complicated. Especially, if you go to a traditional financial institution. However, the online credit companies are offering the possibility of requesting a loan with Financial Credit Institutions.

It is important that you value certain factors before launching yourself to ask for an Financial Credit Institutions credit. Therefore, in this article we are going to give you a series of tips so that everything goes perfectly.

Tips for asking a credit with Financial Credit Institutions

The first thing you should know is if the entity you go to grants credits and loans to the people that appear in Financial Credit Institutions. If this is not the case, your request will be of little value, since online financial entities have all these automated processes and your application will be denied.

Second, you must assess the urgency of your situation. You must bear in mind that this type of credits are designed to get you out of a very urgent rush. Therefore, your request should be based precisely on that. If it is something not urgent or superficial, it is best not to resort to this type of financial products.

Another important tip is that you value the commissions that will be charged to you. These credits are considered high risk. Therefore, normally, the fees and interest are quite high. In this way, you will be the one who must assess whether this is the most appropriate option for you.

Fourth, make sure that the amounts will be sufficient to meet your need. You should note that this type of credit covers amounts between 100 and 600 euros maximum. Therefore, if the amount you need is greater, you should look for another alternative.

Nor should you trust the Internet. It is true that there are many pages that offer valuable information and the conditions are explained transparently. However, you should always read the credit agreement before accepting it, because the entity could have changed its conditions and not have the page updated.

Finally, do not stay with the first option. You should compare different websites that offer these financial products and choose the one that has the conditions that suit you.

In many occasions, the most famous companies are not those that give better benefits. For this reason, comparing is essential to achieve the greatest economic advantage. In any case, you should always know all the information before launching to ask for a loan or credit.

Ask for credit Financial Credit Institutions: the best option

Once you have followed all these tips, if you are sure that applying for credit with Financial Credit Institutions is the best option for you, you should have no doubt. The ease in the procedures, the speed with which you will have the money and the return conditions, fully adaptable, make it the best option to get liquidity.

Bankil Project Credit

The Bankil Project Credit offers you up to € 15,000 to carry out your projects, with a return period of up to 96 months.

Bankil offers up to € 15,000 without commissions and with an interest rate of 4.95% TIN, without having to change banks.

You are interested if

You are thinking about carrying out a project for which you do not have the necessary cash, and you want to finance yourself with a leading company in the loan sector, with years of experience and thousands of satisfied customers. You will not need to change banks and you can do all the online management, without commissions.


Key points

Short description The Bankil Project Credit has been designed so that you can carry out your projects in a simple way: trips, the purchase of a car or other projects. You can get from € 4,000 to € 15,000 to return within a period of between 1 and 8 years. Without commissions and without having to change banks.
Limits and deadlines The amount and deadlines can be perfectly adapted to you and your project. You can get from € 4,000 to € 15,000. The minimum term you have to return this credit is 1 year, and the maximum term is in 8 years, depending on the project. The minimum age limit to apply for this loan is 18 years, while the maximum age is 75 years.
Acceptance times Bankil will contact you to respond to your request in less than 15 minutes, but the money transfer will be made within 24 hours from the moment of approval. That is why it can be said that one of the great advantages offered by the project credit is the speed in the management and sending of money.
TAE Depending on which project you want to finance, the APR will vary. However, interest starts at 4.95% TIN and 5.07% APR.
How to hire it The request for this credit can be made in two different ways: through the Internet or by telephone. Bankil serves its customers by phone in any of the official languages ​​of the Spanish state.
Main requirements To apply for this loan, it is not necessary to have a guarantor. However, it is essential to have the following requirements: be of legal age (between 18 and 75 years), be a permanent resident in Spain, enjoy sufficient income to repay the loan and not appear in a file of defaults, such as ASNEF.

 Bankil Project Credit: how is it?

With the Bankil Project Credit you can get from € 4,000 to € 15,000 to carry out a project. Some of the projects that accept this loan are reforms, the purchase of a new car, studies, trips or celebrations, among others. The loan repayment term will vary depending on the project, being the minimum of 12 months and the maximum of 96 months

Main characteristics of the product

It is not necessary to change your bank account in order to access a Project Credit with Bankil. It’s fast since you can have the money entered into your account only 24 hours after your application is approved. You can adapt the loan to your needs, choosing both the amount you wish to request and the term in which you will return it.

What are the advantages of the product?

If you are looking for a financing company to help you carry out a project that you have in mind, you may want to look at several options. Next, we will see what are the most striking advantages of the Bankil Project Credit.

The amount of money offered by the loan is very interesting and can cover most of the projects for which it was designed. Therefore, a great advantage is that by applying for the loan you will not need to look for more money to complete the financing of your project.

The repayment term of this loan is very flexible, being between 12 and 96 months. It is you who decides how many installments you want to repay your loan. In addition, it is not necessary to have a guarantor to be able to make use of this loan, which greatly facilitates the granting of the loan.

The application is very simple to make and can be completed in a few minutes. Speed ​​is one of the fundamental pillars of this credit, and this is also evident in the agility when sending money to your bank account: only in 24 hours.

Main conclusions

Project Credit helps you make your wishes come true by financing your projects. You can finance any project, from a reform at home to the purchase of a motorcycle. It is a loan that offers a fairly high amount of money within personal loans, with a minimum amount of € 4,000 and a maximum of € 15,000.

The great advantage of this loan is that you do not need to change banks to get financing. In addition, it has no opening fees and in general the interest on the loan is quite low compared to other similar loans.

The company: Bankil

Bankil is a financing entity that has been leading fast personal loans in Spain for years. With a history of more than 30 years within Europe, Bankil offers various loans depending on your needs. In this case it is a loan to finance a project and can be requested by phone or Internet, without having to change banks and without guarantees.

Corporate Council

Corporate Council

We have investigated Bankil and we have found comments from its users, where they affirm that it is a respectable and serious company with decades of experience in the sector.

In the particular case of the Bankil Project Credit we find a loan that can be very interesting for those who want to finance a project of any kind, but do not have the necessary money. The speed of management and the transfer of money are its two great advantages.

Loan reform Yoabank

The Yoabank reform loan offers you from € 6000 to € 60,000 to repay in a period of between 12 and 96 months to carry out the necessary reforms and works in your home.

This loan puts at your reach up to 60,000 € from 6.95% TIN to reform your house thanks to Yoabank.

You are interested if

You are thinking about carrying out a reform in your home and you need money to make it a reality. Especially indicated if the reforms to be carried out are urgent, since the procedures of this loan are very fast to carry out. The process is completely online and you will quickly know if you have been accepted.


Key points

Short description The credit reform of Yoabank has been created to help you carry out that work that you have been wanting to do in your home for so long. You can get from € 6000 to € 60,000 and you can return it within a period of between 12 and 96 months. The application and acceptance is completely online and you will not need to change banks to access this financing.
Limits and deadlines This loan reform has been created so that it can adjust to your needs, whatever they may be. That is why there is such a wide range of possibilities in quantity and term.

The amounts you can request will go from € 6000 to € 60,000. If you request € 10,000 or less, the maximum loan duration will be 60 months (5 years). However, for higher amounts the limit will increase up to 96 months (8 years) .

Acceptance times The loan reform of Yoabank is managed very quickly. In a very short time you will be able to receive the answer of the company accepting your credit. In case you have been accepted, within a period of 48 you will be able to receive the money in your bank account, depending on the entity to which you are assigned.
TAE The APR of this loan is variable depending on the amount and term you have chosen for your credit. The APR will be between 7.18% and 10.36%. In the same way, the TIN will also vary, which may vary between 5.95% and 9.90%. There is no doubt that these are very competitive costs compared to other similar products that we can find in the market.
How to hire it The Yoabank loan to carry out your reforms can be contracted through its website. You will only need to fill in the form that the company puts at your disposal. But in addition to this option you have the possibility to make the request by phone in working days.
Main requirements Some of the requirements that Yoabank asks its clients to be able to apply for the loan are: be of legal age, have a stable and demonstrable source of income, reside in Spain with an identity document that can corroborate and not have debts for other loans.

 Yoabank reform loan: information about the product

Cetelem reform loan: information about the product

Main features

To apply for your loan reform of Yoabank you do not need to change banks. You can complete the entire application online and you will not need a payroll to access this funding.

You can order from € 6000 to € 60,000 to carry out a renovation in your home or change the furniture. This loan has been designed to carry out all kinds of reforms, and it is indifferent if you do it, a self-employed person or a company.

Depending on the amount of money you request you can have a return period or another. For those requesting less than € 10,000, the company establishes a maximum period of 60 months (5 years). While for those requesting more than € 10,000, the maximum term will reach the limit of 96 months (8 years).

How does it work?

Requesting the loan reform of Yoabank is very simple. You only need to visit the lender’s website and fill out a form. The company will contact you to respond to your request almost immediately, and you can have the money entered into your account in a very short time.


The loan reform of Yoabank is an excellent option to take into account if you are facing the need to carry out a reform in your home. It does not matter if it is a small remodeling in a single area of ​​the house or if it is a big reform: the amount that you can request will be adjusted to both situations.

In addition, the interests proposed by this loan are very interesting to be a personal online loan for the purpose of a work. Of course, it is an option to take into account whenever you need to make a reform. Without a doubt, Yoabank is a company that you can trust whenever you want to obtain the financing you need quickly and safely.

The company: Yoabank

Yoabank is a leading company in the fast loans sector for decades. His years of service have made it one of the best known companies in the sector. However, now it is very focused on online loans, like this Reforma and Hogar loan we are talking about. It is a company that is characterized by its speed and good practices, and does not leave indifferent to its customers, who value it as one of the most reliable companies in the sector.

Corporate Council

The Yoabank reform loan has been thought for you, if you are looking for financing to carry out a reform in your home. If you need money for a small bathroom renovation, or to completely remodel the house, Yoabank offers you up to € 60,000 for you to occupy in the part of your house that you prefer. There is no doubt that both terms and interests are very competitive for the sector, and Yoabank is a serious company with a long track record of years, without any doubt will do everything on your part to make your experience as satisfactory as possible .