Creditomas is a company specialized in granting personal loans quickly, easily and securely up to 900 euros to be repaid in a maximum of 30 days. With good opinions from its clients, fantastic conditions and better repayment options, it has earned its place in the ranking of the best lending companies.
If you are interested in knowing in detail the conditions, requirements, interests, terms, how Creditomas works, in this article we explain everything you need to know.
What is Creditomas - Characteristics
|Financing type||Quick credits , online loans, loans without payroll, loans without papers|
|Maximum and minimum quantity?||€ 50 - € 900|
|What is the maximum and minimum term?||7 - 30 days|
|Free first loan||Yes but up to € 300|
|What interest do you charge?||2333% APR|
|Do you ask for guarantees?||Not|
|Loan calculator and simulator||Too|
|Can I defer payments?||Yes|
|And cancel in advance?||Yes|
|Where is it hired?||Online also phone|
|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?||Santander Bank|
|Web page||Official Web|
|Is my application rejected by the West African Loan Group?||Yes|
|Do I need to have a payroll?||No, but if income|
|Can I process with pension, self-employment or unemployment?||Yes|
|Age range||21 - 70 years|
|Can I verify my details with Instantor?||Yes|
Creditomas is a financial company that grants immediate loans of € 50 to € 900 with repayment terms between 7 to 30 days. In addition, the first free credit without interest or commissions up to 300 euros, offers a large number of benefits to its clients.
Other interest loan and mini-credit companies: For example Creditocajero, Lunacredit
Advantages of applying for a loan at Creditomas
+ First loan without interest up to 300 euros, ideal if we are new clients and cannot get a cheaper loan than this.
+ Amount of up to 900 euros once we are customers but if we have a good payment behavior
+ Flexible return period, from 7 to 30 days, therefore flexible.
+ Company adhered to AEMIP (Spanish Association of Micro loans) which ensures that the entities within have good financial behavior as well as a responsible loan policy.
+ It has the Online Trust Seal, consequently it guarantees the safety of navigation within its website, this online trust certificate provides the peace of mind that customers need.
+ Equifax member, file or database used by lenders to analyze our solvency.
+ Our data is protected because you have the latest computer security tools which encrypt the information provided in the form.
+ Use Instantor instant verification system to verify applicants' online identity.
Promotions and Discounts: Creditomas.es Advertisement
One of the characteristics of Creditomas is that the first credit is free, not having to pay interest, fees or commissions of any kind.
It is a strategy to attract new clients and that works clearly because in Creditomas' opinions, as we will see later, its clients highlight it as something positive, the current promotion it offers is aimed exclusively at those who are not yet clients of the entity .
If we are already users, we will only be able to access certain discounts which we can get as our level of reliability and trust increases.
Amount, repayment period and interest
We can ask for an amount of 50 to 300 euros in the first request completely free, without cost.
Once we register on your portal and if we have repaid a loan previously, we can increase the amount up to 900 euros.
Regarding the term, the minimum is 7 days while the maximum is 30.
About the interest rates that apply are within the average but vary according to the amount and the chosen duration.
For example, for an amount of 400 euros in 30 days, 540 euros will have to be reimbursed, the APR being 3752.37%
If we ask for 500 euros with the same term, we will have to return 675 euros, same APR while if we ask € 900 for 30 days we will return € 1,215, APR 3752.37%
The APR increases in the shorter term, since that same amount at 15 days would mean facing the payment of € 1,098, APR 12,530.56%.
Requirements to apply for credit at Creditomas.es
The requirements that we must meet to apply for a loan with this lender are the following:
- Be between the ages of 21 and 70
- Reside in Spain
- Be the owner of a bank account
- Justify recurring income
- Not be on the West African Loan Group list or other delinquency files that imply a bad credit history.
If in our case we are registered on a list of defaulters, we must review our article / list of companies that grant loans with West African Loan Group
How to request a mini credit from Creditomas
The process to request a quick loan in this company is actually simple, not different from the usual one in the market:
1 - First you have to enter the page at www.creditomas.es and choose the amount and term.
2 - Secondly, we have to fill in the contact questionnaire with our data.
3 - Then we receive a response with the approval or rejection of our request
4 - Finally, if it is positive, transfer the money from the micro-loan to our checking account.
During the application and before evaluating our solvency and completing the risk analysis we must verify our identity through Instantor, the alternative is to send the necessary documents by email being slower.
How long does it take to deposit the money
As soon as we accept the terms and conditions of the contract, then Creditomas makes the transfer directly to the bank account that we have indicated during registration.
But the deposit may not be immediate, since money transfers between different banks can take 24 to 48 hours.
Only if our account matches one of the entities that Creditomas works with, will it reach us in just 10 minutes.
Which banks does Creditomas work with?
As we have read on your website, you only have an account at Banco Santander.
Repay the Loan
The return of the credit is made from online banking by means of a simple bank transfer to the account of the creditor, below we show the data that you must enter:
Sistemas Financieros Móviles SL
Address of the beneficiary: Bulevar Príncipe Alfonso de Hohenlohe s / n, Ed. Milla de Oro, Office 9, 29602, Marbella
Return Concept: [DNI Number] Payment
Bank account - Banco Santander: ES26 0049 5630 3622 16089434
The possibility of income at the window and payment by card is not contemplated at the moment.
Postponements and Extension
If we cannot afford to pay the debt on the agreed due date, we can request an extension or extension of the term.
You can ask to postpone the payment to 7.14 or also 30 days, having to pay the cost of the renewal, depending on the amount and days extended the cost will be different, let's see it:
For € 300: € 36 -7 days, € 56 - 14 days and € 120 - 30 days
If they are 500 euros: € 60 - 7 days, € 93 - 14 days, € 200 - 30 days
For € 800: € 116 - 7 days, € 148 - 14 days, € 320 - 30 days
For this, we make a payment by transfer putting into concept the following: DNI number + Extension
If we have the funds available to pay off the debt ahead of time, we can pay in advance at no additional cost. Thanks to this we can achieve savings by paying less interest.
Creditomas Telephone and Customer Service
To contact Creditomas we can call their free phone number 910 470 047 available during their customer service hours, from 9 am to 5 pm from Monday to Friday, so it is the fastest way.
In the same way, we can contact your customer service department by sending an email to your email email@example.com, through your online chat from the official website as well as making the query from the online contact form.
He also has an account on the main social networks such as YouTube or Facebook, which he uses in his marketing strategy.
Last but not least, we can make the arrangements from the Creditomas customer area, which we explain below.
Remember, before calling or getting in touch, check the Frequently Asked Questions section as many of the doubts are resolved here.
Creditomas Clientes: My Account and Client Area
After registering on its platform, we can log in through the login available on its website, thus being the access of online clients to Creditomas.es
Once inside, modify our personal data, request a new credit, request an extension, make payments as well as ask questions and doubts to those responsible for Creditomas.
Opinions about Creditomas
In this section you will read the Creditomas opinions which are usually quite positive, its characteristics also make it an option when we are looking for borrowed money, a trusted site to go to when we need it most.
By entering the website www.creditomas from your simulator we can calculate the cost of our loan, so maximum transparency.
Something that shows a maximum level of commitment, transparency and clarity towards its clients. Of course, this later translates into the fact that the opinion of us users is favorable.
Carlos "Creditomas is reliable, a company that guarantees maximum reliability as well as security in the procedures it carries out, I recommend it"
Maria Luisa "As I am already a client, I applied for my € 500 loan immediately, an easy process, also intuitive"
Julian "Without leaving home, I didn't have to go to any office, therefore I just need an internet connection, what a pleasant surprise"
Pedro: "I had never asked for money, it is the cheapest credit I have found so far, without interest the first time up to 300 euros"
Creditomas Opinion - Conclusion
Creditomas seems to us a reliable, transparent company that follows good conduct based on the principles of responsibility and ethics, the amounts are acceptable, the terms are flexible and the interest is within the average.
It also has a very attractive promotion of the first free loan up to 300 euros, which undoubtedly attracts many users every day.
That problem that now seems like a mountain to us, in a few minutes will be no more than a degree of sand when Creditomas has deposited the money we need in our account.
Are you looking for a place to ask your question or resolve your doubts about Creditomas? In the section below we enable you a forum so you can express yourself freely and write your comment about the company. Tell us about your experience, we want to know it!