Do you need money urgently? Do you want to finance a trip, cover the unforeseen events of your home? Visit the official website of Pepedinero (link) and find out if their loans are for you.
What is Pepedinero?
Pepedinero is a company that grants mini-credits and urgent short-term online loans, with minimal requirements and a high success rate. To access them, you only need to justify a source of income that demonstrates a certain solvency to face the return.
It also has a program of trust points where the relationship with the company is valued and can achieve better financial conditions. If it is the first mini-credit to Pepedinero, the first loan has a limit of 250 euros.
For the next request we can increase the amount up to 300 euros while if we have returned 2 credits the amount increases to € 400 and so on. Then it is extended to 500 euros, being the maximum that Pepedinero can lend.
Pepedinero - Characteristics
|Financing type||Quick credits , mini- credits|
|Purpose / Destination||Anyone|
|Maximum and minimum quantity?||€ 50 - € 500|
|What is the maximum and minimum term?||7 - 30 days|
|Free first loan||Not|
|What interest do you charge?||2 244% APR|
|Do you ask for endorsement?||Not|
|Loan calculator and simulator||Too|
|Can you defer payments?||Similarly|
|And cancel before?||Too|
|Where is it hired?||Online as well as telephone|
|How long does it take||10 minutes but it depends|
|When will I have the money||1 hour, but it depends on the bank|
|What entities do you work with?||Several|
|Web page||Official Web|
|Is my application canceled for being in the West African Loan Group?||No, but it depends|
|Essential payroll to request a loan?||No, but if income|
|Apply if I am a pensioner, self-employed, unemployment?||Too|
|Age range supports||18 - 65 years|
|Can I verify my details with Instantor?||Yes|
Why request a mini-credit online at Pepedinero
The financial products of this lender provide many benefits when we need liquidity. It can be the perfect option to face unforeseen expenses and expenses that we have to solve immediately, without waiting or explaining. These microcredits allow us to obtain a quick response by being a help in these situations.
Next, we show you the main advantages of requesting a mini-loan online from Pepedinero:
+ Amount: Up to € 500, an amount that starts from the minimum of € 50 and can be expanded.
+ Return period: Up to 30 days, enough time to cover short-term needs
+ Accessible interest rates: within the average and not more expensive than normal.
+ Without traveling: you can order online, without leaving home, from the comfort of your home
+ Availability: You can order 24 hours a day every day of the year.
+ Does not require endorsements or guarantees of any kind
+ It can be processed without payroll, it is enough to provide some income (for example, help, benefit, self-employed, etc)
+ With no maximum age limit, from 18 years of age we can request a loan. Ideal if we are elderly and over 65, where other companies refuse to accept these people due to the risk factor.
+ Pepedinero admits West African Loan Group, being consequently one of the few companies that comply in this regard.
Pepedinero West African Loan Group
Contrary to other fast credit companies which reject their users for appearing on delinquent lists, Pepedinero does not take into account the West African Loan Group list.
Therefore, in Pepedinero we can obtain a loan with West African Loan Group as long as the debt is not bank or financial and does not exceed 1000 euros.
For example, if we are in the file for a telephone debt of 600 euros, this will not be a problem.
It is one of the reasons for choosing Pepedinero over other credit institutions, since not all are willing to grant financing to clients who are in default.
In the event that our application is not approved, we will have to review the fast loans section with the West African Loan Group (link) to find other similar entities.
Requirements to apply for a microloan in Pepedinero
Pepedinero is not characterized by demanding a lot from its clients in order to access its financial products, on the contrary, there are few being easy to comply with. Below we show you the conditions to meet to have access:
Be over 18 years of age and also have residence in Spain
Accredit regular income to show that we can make the refund effective
Be a bank account holder in our name
Have email as well as mobile phone number
Regarding Pepedinero income, it is only required that they be demonstrable, it is not mandatory that they be payroll.
If we have an alternative source of income such as unemployment benefit, the pension certificate or an aid with which to respond, it will also be valid.
It does not matter if we are salaried, pensioners, unemployed, self-employed or if we receive aid, if we have income we can request quick money under the same conditions as an employed person.
How to apply for a microcredit from Pepedinero
The Pepedinero application process is the usual one in the micro-loan sector, the procedures are completed online, from the official website, the procedure being simple and intuitive, let's see it:
1 - First, you have to enter your website and select the amount and duration of our credit through your simulator
2 - Secondly, we have to fill out a form with personal data and send by email the necessary documentation to evaluate, verify and study our solvency.
3 - Pepedinero checks this information and then responds to our credit request.
If approved, they send us by email the contracting conditions indicating the total cost of the loan (initial amount + fees and interest)
4 - Later and if we agree, we accept the terms and conditions of the contract by phone. In just minutes, they deposit the money in our bank account, it can take 24 to 48 hours if our bank is different from those that work with Pepedinero.
This company allows us several ways to return the money either by bank transfer or account deposit.
The payment must be made within the maximum expiration date and the payment must be correctly identified with our ID, that is, when making the transfer in concept we must put "Payment" next to the ID, the same if we make a cash deposit for window in a bank.
What if I can't pay on the agreed payment date?
Pepedinero is flexible, he knows that sometimes unforeseen events may arise that prevent us from fulfilling our commitments, that is why he gives us the option of requesting an extension or extension.
The extension grant allows us to postpone payment with a new date to pay the debt.
And the same in reverse, if we have the funds to cancel early, we can pay off the credit through early repayment.
An advantage since it helps us save because the interests are calculated daily instead of having fixed and immovable fees.
Pepedinero lowers the cost of the loan if we pay ahead of time, which improves our assessment for better conditions in the future.
What happens if I do not return the credit?
In this case, we have not met the due date nor have we requested an extension, leaving unpaid, to the main debt we will have to add the default interest that applies to us, commissions for non-payment plus the possible inclusion of our name in delinquency files such as West African Loan Group.
At Igreigre we are in favor of a responsible loan policy, therefore we advise the application only when we know we can return it.
Telephone and contact information of Pepedinero
If we need to contact Pepedinero we can do so by phone or online. Let's see the means of contact that it makes available:
Call the Pepedinero phone number 902 559 439 available during its customer service hours is 10 am to 7 pm from Monday to Friday, also send an email to your email email@example.com
We can use the personal area once we are part of the Pepedinero clients. Through this Client Area we can access with a password, where we can consult and review the contract, check and modify our data, initiate new requests, request an extension, pay as well as ask questions.
Pepedinero Opinions - Customer experiences
Here we will be able to read some comments from people who have given their assessment about the fast loans they offer.
The majority of Pepedinero opinions are favorable, but we have found some criticism in the form of complaints, almost always on the issue of the interest it charges.
However, this is common in mini-loan companies, and you can find many cases similar to this. Let's see what its users think:
Pedro "I was able to sign my credit easily and quickly, online and with immediate response, I liked it"
Manel "The online application is done in minutes, fix my problem thanks to them"
Borja "It is one of the few that offers mini loans with West African Loan Group, they did not give me any problem for being registered"
Mónica "Your urgent personal loans are attractive to me, due to their conditions and also their good customer service"
Pepedinero Opinion - Conclusion
The way in which Pepedinero strives to meet the needs of its clients makes us feel comfortable working with them, even despite not being the company that offers the largest amount of loans.
Even so, the rest of the variables and elements that make up the Pepedinero loan are sufficient conditions to decide for it in the online microcredit application.
Would you like to enjoy a space where you can answer your doubts and questions about Pepedinero?
If any concern is still on your mind, write your comment in the section below where other users can read it and help you solve it. You can also tell us about your experience with the company and share your opinion about it.