Viaconto is an entity specialized in granting fast loans online. With a response in less than 15 minutes, it allows us to start the request and have the money quickly in our account. The process is quick, simple and very comfortable by avoiding travel, without leaving home and with minimal paperwork. Say goodbye to endless, administrative and time consuming paperwork, say hello to a new financial digital era.
Viaconto Coupon Code
Request your first free loan up to € 300
In addition, one of the advantages that Viaconto offers us is that we can get the first mini-credit up to € 300 for free.
But add to that that credit applications from people included in the West African Loan Group, RAI or other delinquent files are not rejected automatically. As for the amount, its mini-credits of 50 to 600 euros allow us to access direct money quickly as well as safely.
Viaconto - Login to your customer account
Viaconto - Conditions
|Financing type||Quick loans , mini-credits|
|Maximum quantity?||€ 600|
|And the minimum?||€ 50|
|`` Maximum term?||30 days|
|And the minimum?||5 days|
|Free first loan||Yes up to € 300|
|Interest rate||3752% APR|
|Do you ask for endorsement?||Not|
|Loan calculator and simulator||Too|
|Do you allow extension?||Similarly|
|And early cancellation?||Too|
|Where is it hired?||Online as well as telephone|
|How long does it take||10 minutes but it depends|
|When 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|
|Debt Limit at West African Loan Group?||It doesn't have, but it depends|
|Essential payroll?||No, but if income|
|Can I apply if I am a pensioner?||Too|
|And with unemployment?||Too|
|What if I am a company or self-employed?||Likewise|
|Age range||18 - 70 years|
|Can I verify my details with Instantor?||Yes|
Advantages of requesting a loan in Viaconto
+ Without leaving home, do things online
+ No need to send just documents
+ Immediate response
+ High approval rate
Regarding demonstrable income, Viaconto does not ask for payroll, but it does ask for an alternative source of fixed and recurring income. For example, a pension, unemployment benefit and even the income of the self-employed person can be equally valid. If we have proof of income we should not suffer any inconvenience.
The requirements and conditions that we must meet required by Viaconto are the following:
Be over 21 years of age and under 65 in addition to residing permanently in Spain, showing regular and stable income, not having debts with third parties that exceed € 1000
Regarding these requirements, the following points should be emphasized. The first thing is that it is not enough to have Spanish nationality, you have to reside in Spain. Our loan application will never be approved if we do not reside in national territory.
If you have a NIE, you can still ask for it as long as you have a residence document. The other point that should be specified has to do with the debts or charges that we have. If the debts for which we are enrolled in West African Loan Group are of a banking or financial nature (non-payment of the mortgage for example), it is most likely that the application will be automatically denied.
On the contrary, if it is a question of debts of a non-bank or financial nature and amounts less than 1000 euros, we should not have any problem accessing a personal credit with this institution.
Even so, no matter how much we meet all the aforementioned conditions, this also does not assure us that Viaconto will grant us the credit we seek.
Consequently, subject to the internal risk policy of each entity, the applicants vary according to financial profile and other parameters included in the risk department.
For this reason, the decision to approve or reject our application depends on the solvency that we can demonstrate.
Also note that new customers (those who have not yet earned the trust of the lender) have the credit amount limited to 300 euros, only from the second credit application can the amount available be increased to 600 euros.
How to request a loan with Viaconto
The process to request personal credits from Viaconto is actually basic, all from their website. First of all we have to complete a loan application form with our personal information.
Then we will have to indicate the basic conditions that we want, this is the amount and return period according to our particular needs. Then we choose the verification system from two options that it gives us.
1 - Verify our data through the Instantor system, for which we must provide the account data where we usually receive the income.
2 - Send the personal documents requested by email to Viaconto. The documentation that is usually requested in these cases is a copy of the DNI on both sides, proof of income to show that we have the ability to repay, a bank statement of the account where we receive our income regularly as well as the bank card or any other document that proves we are account holders.
This whole process does not take just a few minutes and is truly simple, accessible to anyone with internet access. After completing and sending the application and in less than 15 minutes we received an SMS on our phone with the response to our loan application.
If this message is positive, it includes a verification code which must be entered on the official Viaconto website to continue with the loan acceptance process. If we do not complete this process, no matter how much the loan has granted us, we will never take it into account.
Therefore, it is essential to have a mobile phone to carry out operations if we want to enjoy Viaconto's loan service.
Similarly, all the documentation and information requested is from the person who will appear as the holder of the loan.
How long does Viaconto take
All this process explained above, although it may seem very laborious, does not take more than 15 minutes.
In fact, if after sending our loan application the sending of the SMS takes longer than expected, we can contact Viaconto's customer service and get rid of doubts.
Sometimes it happens that the user thinks that he has completed the request and has really been left halfway. You can call from 9am to 10pm from Monday to Friday while Saturdays from 10am to 3pm.
After receiving the SMS with the verification code, we must enter the alphanumeric code in the corresponding section on the website.
If the current account that we have set up to receive the money coincides with one of the banking entities with which Viaconto works, the sending and receiving of the money is almost instantaneous after accepting the loan and signing the contract.
While if we do not have an account with any of the banks with which the lender works, this can take 24 to 48 hours.
Which banks does Viaconto work with?
Viaconto wants to help customers who can get money immediately without waiting, that is why it tries to operate with as many banks as possible.
He is currently working with ING Direct, Bankia, BBVA and La Caixa. Therefore, if you have an account in any of these banks, the money will reach you in less than 1 hour.
Repay the Loan
In Viaconto, the repayment of the loan is made by paying a single installment at the end of the due date. To facilitate payment to your customers, it allows us to return the money loaned in different ways:
Bank transfer or ATM deposit: We can make a transfer to the Viaconto account number as through a cash register.
If we choose this option, we must enter our name and surname and ID to correctly identify the payment
Pay with a credit / debit card: Similar to if we make a purchase online, we enter our card details and complete the procedure.
What if I cannot repay the loan within the fixed payment term?
Extension and extensions
If the due date arrives we cannot pay the loan, Viaconto allows us to request an extension or postponement by paying a fixed commission of money, of € 14 for 7 days, € 20 for 14 days and € 39 for 30 days.
The extension and payment of the commission must be made on the day of the expiration of the term, never afterwards and an income will have to be made through one of the ways indicated above (In concept we will have to put our DNI + Postpone)
What are the consequences of not repaying the loan?
In case of not facing the repayment of the loan or postponing it, this can cause us a series of negative collateral effects such as:
Collection of commissions for unpaid which are established in advance in the general contracting conditions.
Default interest of 1.1% per day on the principal of the loan. However, by law, default interest can never exceed two and a half times the current APR.
If, despite this, we are still unable to cancel our debt, Viaconto may include our name in the West African Loan Group file, which will prevent us from requesting a loan with Viaconto in the future and will reduce our chances of accessing financing. .
It is the opposite situation to the previous one, face the return but we also do it before time. One of the advantages of Viaconto is that it allows us to cancel the credit early.
In addition, this supposes a saving because as the interests are calculated daily, paying ahead of time means paying less amount of interest.
Contact information and Viaconto telephone number
To contact Viaconto Customer Service, we can call their telephone number 930 180 960 from Monday to Friday from 9am to 10pm and Saturdays from 10am to 3pm.
If we prefer online communication, send a message to your email address firstname.lastname@example.org or through your web form.
You can also use their online chat available on the entity's website to answer any questions.
The brand invoices under the company Viaconto Minicredit SL with registered office at Av.de Josep Tarradellas, 8, 08029 Barcelona
Viaconto Reviews - Customer experiences
In general, people who have used Viaconto's financial services are usually satisfied with their benefits.
Even so, in forums and other finance websites we have found comments of complaints and even complaints about the recovery tactics that the company uses to recover its debts.
We are talking about collection companies, a last resort used by many entities to manage their clients' defaults.
If you cannot return the payment of your credit when it is due, you will create a non-payment that affects not only your level of financial solvency, but will also add additional expenses for interest and surcharges.
Here are some of the opinions about Viaconto from clients who have used their services:
Laura "I needed money quickly to cover my end-of-month contingencies, thanks to Viaconto I was able to solve it"
Carlos "I had an expense that I had not planned, but since I am a client I was able to obtain my liquidity without waiting or paperwork"
Marcos "I think they are fantastic, the application process is easy, fast and intuitive, it shows that they help you to sign the loan"
Pablo "Viaconto is reliable, a safe place to borrow and that I usually recommend to friends and family"
At Igreigre we are supporters of responsible loans, for this reason we advise you to be informed of the financing conditions of the loan before hiring it, avoid unpleasant surprises and ensure that your economy is able to meet the payments.
Viaconto Opinion 2019 - Conclusion
Viaconto offers money quickly, without paperwork or excessive paperwork, since from the moment we start the application to dispose of the money effectively, no more than a few minutes pass.
Coupled with the fact that the requirements are minimal, and also with high approval rates, this makes Viaconto a good alternative for all those who are looking for immediate liquidity.
Are you looking for a space where you can answer your doubts and questions about Viaconto loans? Here we enable the comment forum so that you can express yourself freely and give your opinion about the company. .Tell us your experience, write your opinion, we wait for it.