Credit has granted fast loans to more than 3 million people throughout Europe and America (in a total of 14 countries), so it can be said that they have extensive experience in the field of fast and flexible financing.
You are interested if
|You look for quick financing of a certain minimum amount to face unexpected payments or expenses.|
|Short description||This line of quick personal loans is designed to achieve a maximum of € 5,000, which is already an expense of a certain entity, and is not open to all types of public. Consequently, the repayment terms are extended, but also the minimum requirements required to approve the operations.|
|Limits and deadlines||You can request credits between € 500 and € 5000 to be returned in a minimum of 90 days and a maximum of 36 months.|
|Acceptance times||The availability of the money will depend on whether or not you work with the Santander Group, which is the collaborating entity; in that case, you would have the money in 15 minutes. Otherwise, you will have to wait between 24 and 48 hours on average.|
|TAE||The average to apply for a loan of 1000 euros to be repaid in a year is 24.90%, although the figures depend on the amount and return term you choose.|
|How to hire it||The credit is contracted through the Creditic website, filling out an online form with your personal data.|
|Main requirements||You must have legal residence in Spain, come of age, a mobile phone and an email account, in addition to showing that you can pay the credit and not have a negative credit history.|
Creditic quick credits: how are they?
Main characteristics of the product
The quick credits of Creditic are operations that can be done indistinctly autonomous and private, as long as they can provide some type of guarantee and comply with the rest of the agreed conditions. In this case, the format is personal loan.
An important advantage of this product is that you can request financing of up to 5000 euros, much higher than usual in this type of product. On the other hand, it should be noted that the repayment terms of the Creditic quick credit are much longer than in other cases. Also, if you are just a month’s money, you can defer payment of the fee with a surcharge of 20 euros. Finally, it should be noted that the APR is accessible, since the fee is 24.90% per year.
However, this operation also offers two drawbacks that must be taken into account. First, that the minimum operation is 500 euros, which is a problem for those individuals who need a lower figure. On the other hand, Creditic only accepts transactions with a guarantee, payroll or the demonstration of stable income, which limits who is included in ASNEF
How to apply for this quick credit?
To apply for the credit you have to follow some simple guidelines available to everyone. You enter the web page, fill in the form, attach your identification and in a few minutes you will have a definitive answer; if this is positive, in the associated banks you will have the money in account in 15 minutes; in those that are not, in a maximum of 48 hours.
To access this credit, you must be at least 18 years old, legal residence in Spain, demonstrable income (payroll, pension, unemployment benefit), a mobile phone and a bank account in which to deposit the money.
You can request a month of extension in case you can not pay the fee, with a surcharge of 20 euros. However, in the event that this situation is delayed for a longer period of time, you will have to pay interest of 0.05% per day. Of course, for the guarantees that it previously requires, it is a company that is willing to refinance the payment if you explain the situation.
At Bonrai Finance we believe that Creditic fast credit is a useful form of financing if you know how to use it intelligently. The product has advantages and disadvantages, and it is up to you to take advantage of them using this financial product for your benefit.
If you are looking for medium-term financing and with long repayment terms, this is the kind of credit you were expecting. Although it is a quick loan, it would not fall into the microcredit category because the minimum amount you can request is 500 euros. If, for example, you have to buy a large appliance or pay a college tuition for your children, this would be a possibility.
On the other hand, this is not the financing model that interests you if you are looking to pay a small one-time expense, such as a fine or a laptop. Also, remember that to access the credit you have to prove to have stable income, so we recommend that you refrain from following the procedure if it is not the case or you have a negative history.
The company: Creditic
Creditic is an operator specialized in quick loans and lines of credit, both for individuals and for self-employed workers and companies. It is focused on a solvent customer target that needs financing at a certain time.
Previously, the company was called Hapicredito and has already carried out operations with more than 2.8 million customers belonging to 14 countries, disembarking in Spain in 2016.
We believe that Creditic fast credit is an interesting option for individuals and self-employed people who have to make an expense or investment of a certain entity. If this is the case, the repayment terms, interest and the possibility of deferring the payment by one month are interesting enough elements to consider the possibility of contracting it.
On the other hand, it is necessary to indicate, in negative, that it is not a credit that serves for very small expenses or for those people who have a negative credit history.
Therefore, this product will be positive for those people who hire it with full awareness; If so, you should not have any problems.