Dineo Crédito is a financial institution that allows us to request mini loans online as through its offices in person of up to 500 euros. Also in the first request we can obtain up to 300 euros without interest or commissions, 0% APR.
If you want to know in depth the Dineo loans, keep reading. Next we are going to explain everything you need to know about your mini credits.
Dineo Credit - Features
|Financing type||Quick loans , mini-credits , installment loans|
|Minimum and maximum quantity?||5000 €|
|What is the minimum and maximum term?||30 days|
|Free first loan||Yes|
|What interest do you charge?||4960 %|
|Do you ask for guarantees?||Not|
|Loan calculator and simulator||Too|
|Can I defer payments?||Yes|
|And cancel in advance?||Yes|
|Where is it ordered?||Online as well as telephone|
|How long does it take||5 minutes but it depends|
|In what period does the money reach me||15 minutes, but it depends on the bank|
|What banks do you work with?||Multiple|
|Web page||Official Web|
DINEO: Analysis and Opinion
|Is my application rejected by the West African Loan Group?||No, but it depends|
|Do I need to have a payroll?||No, but it depends|
|Can I process with pension, self-employment or unemployment?||Too|
|Age range||18 - 75 years|
|Can I verify my details with Instantor?||Yes|
What is Dineo
Dineo is a reliable, safe and easy to use company. Applications are approved in less than 5 minutes without the need to send documentation, paperwork and without endorsement. But the main characteristic of Dineo over other institutions is that it offers the possibility of getting up to € 500 in cash once our application is approved. Unlike other lenders, here we can choose between receiving the amount by bank transfer as in cash at any of their stores.
Why choose Dineo
+ The request can be made online, in a physical store and even by phone.
+ Dineo is a member of AEMIP (Spanish Association of micro-loan companies) which promotes good practices in granting microcredits.
+ It has a Tahtwe SSL security certificate which secures and encrypts customer data.
+ Has the seal of Confianza Online (seal of trust of online commerce)
+ It is attached to the West African Loan Group (Spanish Association of Credit Financial Establishments)
The conditions that must be met to obtain a loan at Dineo.es are the following:
Be over 18 and under 75 years old.
Have residence in Spain
Justify minimum income of between € 400 and € 650 per month.
Be holders of a bank account in national territory.
It can be processed while in West African Loan Group as long as the debt does not exceed € 1500.
How to apply for a loan in Dineo
The application process in Dineo is actually very intuitive and simple, it is completed in minutes as you can see:
1 - First we enter the official website at dineo.es
2 - Secondly, we have to indicate the amount and return period that meets our need
3 - Then we will have to fill in the online form with our personal data
4 - Later you have to verify the data by connecting to online banking
5 - Then we receive an email / SMS from Dineo answering if they have accepted the request.
6 - We accept the terms and conditions of the contract being necessary a digital signature through the SMS code that we receive on the mobile.
7 - Once Dineo receives the signed contract, it makes the transfer to us immediately. But, it is possible that it does not arrive at the moment, if our account does not belong to Banco Santander it may take 24 to 48 business hours.
Documents needed to apply for credit in Dineo
Color copy of the DNI on both sides.
Proof of income (payroll, pension, unemployment benefit or any other source of fixed and stable income)
Bank statement where it is seen that we are the holders of the bank account
However, Dineo has the Instantor instant verification tool implemented through which we can verify our data without sending documents.
This option is much faster, being safe and reliable, being used by a large number of banks.
In less than 5 minutes Dineo verifies our solvency and checks if we have the capacity to repay the debt.
If we are looking for money urgently it is better to do everything through Instantor instead of sending documents by email.
Return the loan Dineo
We can make the reimbursement of the Dineo credit in the following ways: Bank transfer to the lender's account number, pay with a credit or debit card as if we were making a purchase online as well as online transfer through Trustly.
We can also pay in cash at any of the Cashconverters and Dineo stores. With a total of 77 offices in Spain, so you can see the location of each of them on their official website.
Extension and postponements in Dineo
In the event that the due date arrives we cannot afford to pay the debt, we can request an extension.
This option gives us the possibility to postpone the payment with a new repayment date. It is not free, therefore we will have to pay the cost of the renewal.
To do this we will have to enter the Dineo customer area by clicking on "Pay" choosing any of the supported payment methods.
Dineo allows us to make an early refund at no additional cost, paying only interest for the time we have enjoyed the money.
In this way, if we pay before the payment date, we save interest. What is not possible is partial amortization, therefore the cancellation has to be total.
What happens if I can't pay the Dineo loan?
If we do not return the credit on the agreed date and we have not requested an extension, the entity will apply the following commissions:
Commission for non-payment of 25% of the loan amount. That is, if we have requested € 300, the commission will be 300 * 0.25 = € 75
Commission of 1.4% on the loan amount for each day of delay with a limit of 30 days.
If after a certain time the debt has still not been canceled, Dineo can include our name in delinquency files such as West African Loan Group or Rai and even proceed to recover the debt.
Contact details and customer service Dineo
To contact Dineo we can contact you through any of the ways that the entity makes available to its users.
Let's see what they are:
Dineo telephone: We can call the telephone number 901 888 777 during customer service hours from 10am to 8pm on Monday, Friday and Saturday from 10am to 8pm.
We can also send a fax to the number 952 907 164 or send an email to your email email@example.com
The other option is to go to any of the stores you have in Spain.
The trademark belongs to the company Dineo Credito SL NIF B-86971157 with address at Urb. La Alzambra. Vasari Center Building, First Floor. 29660, Marbella, Malaga
How Dineo My Account and Client Area works
After registering in the mini-credit portal, we can discuss any matter with the company from our private area.
From our client area we can change our data, ask and resolve doubts with the entity's agents, request an extension, cancel debt and much more.
In the same way, we can request new loans without passing the aforementioned verification again, being much faster.
Once we have requested the first loan, the following requests can be made from the client area.
On the other hand, it is not something exclusive to Dineo clients, the rest of Fintech works the same.
Opinions and comments about Dineo
In this section you will be able to know the opinions of clients who have requested this financial product, being generally happy.
We have investigated in specialized forums, surveys and others to verify that there is a favorable feeling towards the company.
Here are some comments and opinions about Dineo:
Marisa "Your ad on YouTube convinced me to try, since then I have been a loyal customer"
Julio "Because of my age I prefer to do the procedures in person instead of online, this entity helps me"
Carmen "They are fast, easy and also with a high approval rate, ideal to cover unforeseen events and last minute emergencies"
Andrés "I don't know how to apply online, being able to go to the store and collect the cash is undoubtedly the most beneficial thing"
Dineo Opinion - Conclusion
Dineo is a reliable, secure and transparent site that allows us to start our loan application quickly and easily.
Likewise, and unlike other entities, it gives us the option of collecting the money in cash at their physical offices (it has more than 77 in Spanish territory)
The interests are competitive, its flexible terms can also get the first free credit (first 300 euros without interest)
Alternatives to Dineo Crédito
Despite the fact that Dineo is a straightforward and reliable solution, we think it is convenient to compare with other products similar to this one in order to make the best decision. We can recommend the following:
Are you looking for a space to answer your doubts and questions about the services of Dineo Crédito? Right here below we enable the comments section so that you can express yourself freely and leave your opinion about the company. Write your comment, we want to know what you think!