Contante offers us hard cash under the payroll advance formula. This is how Contante.es presents its mini-credits, a service for people who have a payroll and who seek to cancel it in the short term.
The company offers a microcredit service with maximum transparency, where, unlike other companies with difficult conditions to fulfill, it seeks accessibility. Advertising often disappoints us by presenting a perfect product or service, later discovering its darker side.
|Type of financing granted by Contante||Quick credits , urgent loans, mini-credits|
|Purpose / Destination||Anyone|
|What is the maximum credit granted by Contante?||Up to € 1000|
|And the minimum?||€ 50|
|What maximum term does Contante accept?||30 days|
|And the minimum?||5 days|
|Is the first loan free and interest-free?||Yes, up to 300 euros|
|How much interest does Contante charge?||APR 2334.00%|
|Does Contante require a guarantee?||Not|
|Do you have a Contante loan simulator and calculator?||Yes|
|Can I extend or defer payments?||Yes|
|And return early?||Too|
|Where is it hired?||Online or by phone|
|How long does it take to give me an answer||15 minutes|
|When can I have the money|| 15 minutes, but it depends on the bank|
|What entities do you work with?||Bankia, Bankinter and Banco Popular|
|Is my application rejected if I am in the West African Loan Group?||Yes, but it depends|
|What debt limit in West African Loan Group is the maximum allowed by Contante?||They do not detail|
|Do I need a payroll to request the advances from Contante?||No, but if you have income|
|What if I am a pensioner?||Too|
|Can I access it while unemployed with unemployment benefit?||Too|
|What if I am a company?||Not|
|Can I request credit in Contante if I am self-employed?||Likewise|
|What age range does it support?||21- 75 years|
|Can I verify my details with Instantor?||Yes|
Cash Advance: Conditions
In Contante they call their loans "Payroll Advances" which makes a lot of sense considering when it is requested and canceled. It implies that it is money that is returned in a short period of time, normally after the entry of the next payroll.
Something that is also repeated in other micro-loans, even so, the return can be raised in a higher return period, Contante in reverse seeks that the refund is made in the shortest possible time.
For this reason, they have given it this name instead of microcredit.
The amounts and terms of the advances they offer usually range between 50 and 1000 euros to be returned in a maximum of 30 days.
If we are new clients however, it will not be possible to request this amount but we will have an initial limit of 300 euros.
This amount may be increased in the future as we comply with our commitments and payment obligations. If the experience is favorable, in the following applications the conditions improve.
But this does not happen with Contante, given the nature of your credit, it is intended to satisfy a specific need for lack of liquidity. And he does not hide it, he does not want you to process his mini-credits on a recurring basis, but only sporadically.
Contante therefore makes it very clear for what kind of situations your financial product is intended, which is to be appreciated: medical expenses, studies, small expenses at home, etc.
In addition, its conditions are shown in detail, concise and clear information available on its website, so that there can be no doubt to the borrower. If you think you have made a misinterpretation of the product, contact the lender and leave doubts.
Requirements to request a cash advance
Who can access the cash advance? Below we explain the conditions to be met to have access to this method of financing: Being over 21 years of age, residing in Spain, having an email and mobile phone number as well as proving income.
This income does not necessarily have to come from a payroll but also a pension, benefit or aid among others is accepted. What is requested is a document that shows we have regular income with which to face the return of the money.
Income must also be collected at the bank, it is not enough for it to be in cash, and you must have a debit card associated with the account. Having a card is essential as it is the means of collection by card charge, therefore, if we do not have it, we must request it from the bank to enjoy the mini-credits of Contante.
In the same way, it is necessary to have a mobile contact and email as these are the contact channels through which Contante communicates with us as clients.
Fulfilling the requirements mentioned here does not guarantee that the entity will grant us the advance later, but it does increase the probability. Once the requirements are met, just make the request, which we explain below.
How to request an advance in Contante
The process to request the advance payment from Contante is as follows:
1 - First you have to enter the entity's website at www.contante.es and select the amount and time until it is returned.
2 - Then we have to complete an online application form with our personal and bank details.
3 - Later, Contante evaluates our solvency and risk level to give us an answer as to whether it accepts or rejects the request made.
4 - Finally and if it is positive, they transfer the money to the bank account that we indicate in the registry.
Contante confirms the approval of our advance payment request by means of an SMS message to our mobile phone.
After receiving this message, we must confirm that we accept the loan agreement together with its conditions so that we immediately have the money in the bank account.
This is what happens if we are new clients, but if we have previously requested an advance with Contante, the mechanism will be different, much easier and faster.
First, because we no longer need any risk study and second because we no longer have the limitation of 300 euros, being able to access the maximum, up to 1000 euros. Contante also allows us to receive the money by bank transfer or money at the moment and in cash by Halcash (link).
But if we want to receive the money in cash, we must communicate our intention to Contante, after sending the confirmation message it will not be necessary to wait for anything, we go to our bank or network of Halcash ATMs.
In less than 10 minutes and with the codes that they send us to the mobile we go to any of the more than 12,000 ATMs that are attached to the Halcash system to withdraw the amount of the advance.
How long does it take to enter
In less than 1 hour after approval, they make the transfer to us. But, if our bank is different from theirs, it may take 24 to 48 hours. If your need for money is pressing, consider the possibility of using the Halcash system, you can withdraw the cash instantly.
What banks do you work with?
Work with Bankia, Bankinter and Banco Popular
Constant Promotional Code
Currently it has a promotion for new clients, first 300 euros free. Your first credit is not free, nor is it possible to get additional benefits.
However, if we get a series of discounts depending on the number of requests and the level of trust with the entity.
10% discount after paying the first credit.
15% discount after returning the second credit.
20% discount after returning the third loan.
These discounts are applied on interest and are only activated if we make the refund in a timely manner.
Return the Advance
The return of the advance granted by Contante can be done in several ways as the entity provides facilities.
The only thing we should worry about is having a balance in the account on the agreed payment date, because when it arrives, a charge is made to the card automatically.
In the event that for any reason an unforeseen event or complication arises, Contante allows us to request an extension, although an extra cost will have to be paid for this.
The same thing happens the other way around, if we have the funds ahead of time if we want it is possible to make advance payments and in this way pay less interest.
The loan will be cheaper than expected thanks to the early repayment, something common in microcredit companies, although this does not translate into a reduction in costs in all of them.
Phone and Contact
When we have to contact Contante either to resolve doubts, incidents or we need to request a loan, we can use any of the following contact channels for an extension.
Call the free phone number 912 171 973 during customer service hours from Monday to Friday from 9am to 7pm and Saturdays from 10am to 1pm.
In the same way, you can dial their mobile number 678670670 at the same time.
Send a message to your email address, to the email firstname.lastname@example.org, while email@example.com for complaints or claims.
Social networks like Facebook, Twitter or Instagram.
The company to which it belongs is Click Finance, SL NIF B71087472, domiciled at Parque Tecnológico Mutilva, Calle E 3-0F, 31192 Mutilva Baja
However, the best communication is always from the Constant customer area.
Contante.es Client area: My Account
After registering in the portal, using the username and password created, you can log in from the login.
Inside, we have the ability to modify our data, request new credit to my account, request an extension, ask and much more. This client space or user area is the usual one in Fintech companies, being the direct communication channel between lender and client.
Opinions about Contante
To finish the detailed analysis about the Contante advance, in this space we are going to show some of the comments of your clients.
As you can see, the majority of clients are satisfied with the services provided by this institution. They point to the transparency, speed and flexibility offered by this system as the main assets.
The Contante opinions are positive, let's see some of them:
Monica "I needed 300 euros for 30 days, thanks to that I could get it in minutes"
Raquel "I usually turn to Contante when I am short of liquidity and I still need to collect the next payroll"
Nicolás "I was able to contract my advance in a simple and agile way, online, without having to travel"
Anabel "Applying for a loan or advance allows me to finance my unexpected expenses at any time and any day of the year"
Constant Opinion - Conclusion
Contante is, therefore, a form of financing for specific moments as they say. Not everyone should request this type of credit, but if they are in need, you can be sure that Contante is reliable and transparent in the request. Clear, transparent information, without small print or hidden costs.
Are you looking for a place where you can give your opinion freely about Contante's financial services? Look no further, here is the section you need, write your comment, share your experience in the area below.