What is it? Creditocajero is one of the fashionable mini-credit companies capable of offering money in minutes with a high approval rate. With Creditocajero we can request a loan very quickly and easily, transparency being one of its pillars.
In addition, among its advantages, its minimum requirements are comparable to those of other companies with similar characteristics.
With Creditocajero, up to 300 euros are requested to be returned in 30 days, being able to get the first 100 euros for free.
We explain everything we have to know about Creditocajero loans below, read our complete analysis and discover whether or not it is convenient for you to request credit with this entity.
Creditocajero - Conditions
|Financing type||Quick loans , mini-credits|
|Maximum and minimum quantity?||€ 50 - € 300|
|What is the maximum and minimum term?||5 - 30 days|
|Free first loan||Not|
|What interest do you charge?||3117.7% 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 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?||Several|
|Web page||Official Web|
|Is my application rejected by the West African Loan Group?||No, but it depends|
|Do I need to have a payroll?||No, but if income|
|Can I process with pension, self-employment or unemployment?||Too|
|Age range||18 - 65 years|
|Can I verify my details with Instantor?||Yes|
The Creditocajero mini-loan offers amounts ranging between 50 to 300 euros (first 100 euros without interest or commissions) with a repayment period between 5 and 31 days, once we are already clients we can increase the amount up to 900 euros.
The amount and amount to be returned is clear from the beginning because when entering the information the simulator tells us what we must pay according to the established deadline, also rest assured that there are no hidden clauses or surprise charges.
Creditocajero also has a loyalty program which allows us to increase the amount as we return previous requests on time.
Requirements to apply for credit at Creditocajero
The requirements that Creditocajero requires to apply for one of its loans are basic, it does not differ from other companies: Be of legal age, reside in Spain and demonstrate a fixed and stable source of income, but and as a negative point, history is taken into account customer credit.
Therefore, if we are registered in a delinquency registry such as West African Loan Group or Rai, it will be impossible to formalize your offer.
If what we have are loans with other financial entities, it will not be a problem unlike what happens in other companies.
As long as we are up to date with the payments, you have no problem accepting applications from people who have obligations to other lenders.
Creditocajero loan application
The application process for the mini loan from Creditocajero is online, over the internet. Through a form available on your website we will have to give our personal data along with the sending of documentation (Copy of DNI and proof of bank deposit).
Later they evaluate our solvency according to the risk analysis, receiving a response as to whether it is approved or rejected.
In case of positive results, we receive via email the terms of the agreement to be accepted to finally continue, indicating the characteristics of our loan (amount, term, interest, fees, commissions, etc.).
If we agree, we confirm the offer to finally receive the money by bank transfer to our checking account.
How to request a loan and register in Creditocajero
The steps to follow to register on the portal and request a mini credit are as follows:
First you have to enter the creditocajero.es website
Secondly, we select quantity and term according to the need we have
Then fill out an online questionnaire with our personal and financial information
Next, our profile, solvency and payment capacity are evaluated, determining an optimal risk level.
If it is positive, they send us the money by bank transfer immediately.
Repay the loan
Creditocajero allows several forms of reimbursement when making the return effective.
It can be done by bank transfer to the account of the lender from online banking.
As easy as entering the Creditocajero customer area and once inside, click where it says "Loans" and then "Pay"
We choose "Transfer" as a payment method, choose our entity from the many existing ones and we complete the payment safely and confidentially.
In the same way, we can settle the debt by credit / debit card. The process is the same, from the personal area Creditocajero but choosing "Card" as payment method
It also allows the option of making income through the window, although for this it will be necessary to enter our data for correct identification.
The deposit can be made in the BBVA account number owned by the brand:
- Beneficiary: FRIENDLY GROUP SPAIN SL
- Originator: Name and surname
- Payment Concept: Loan number and DNI / NIE
- Amount: Loan principal + management fees
Although the small amount and the study of our financial profile reduces payment problems, sometimes there may be unforeseen events that make it difficult for us to fulfill our commitments in a timely manner.
Creditocajero knows this, that is why it offers the possibility of requesting an extension where we defer payment.
The request for the extension is not free but entails additional costs and can be calculated from the simulator.
I can not pay
If despite the option of postponement we are not able to face the payment of the debt, we must be careful as this causes a series of negative effects on our economy.
To begin with, the debt grows due to late interest and penalties for non-payment.
Secondly, they can include us in non-payment lists such as West African Loan Group and can end the judicial claim (recovery).
In a situation like this, it is best to contact Creditocajero and seek a solution.
A different possibility of the extension is to divide the debt in several payments. Insurance is not cheap but at least you earn an extra term to solve that circumstance that has prevented us from complying with the cancellation of the mini-credit on the expiration date.
Contact and Customer Service
To contact Creditocajero either because we have problems with the registration, resolve a question, extend the amount, request an extension or initiate new requests we can use any of the open channels that it makes available to users, below we see them:
First of all, call the free phone Creditocajero, the number 93 016 03 93 during its customer service hours from 9 a.m. to 9 p.m. Monday to Friday and Saturdays from 9 a.m. to 9 p.m.
The Creditocajero telephone is a landline in Barcelona so calling is free if we call from a flat rate number to national landlines.
Send a message by email, you have several emails according to the reason for contact: Customer service: email@example.com
Collections department telephone 93 016 03 93
Collections department: firstname.lastname@example.org
Creditocajero customer area
Along with the other means of contact mentioned above, those of us who have completed the registration can also contact us from the Creditocajero.es client area.
For this reason, it is enough to log in from the login that exists on the web with our access data, when entering, review and check the contract, request credit, extend term, repay in advance or ask any issue related to financing to the agents of the entity.
Opinions about Creditocajero
Next we are going to show you some Creditocajero comments and opinions of people who have formalized their mini-loans.
Carlos "I can get up to 300 euros just by showing income, plus the first 100 euros without expenses or commissions"
Marina "The web page is very intuitive, it is easy to navigate, the request being very simple, which I appreciate"
Ana "Creditocajero is reliable, a company that can be trusted to comply with regulations and data protection"
Gabriel "In less than 24 hours I obtained my credit, actually easier than I expected and without sending documentation"
Pablo "I think it is one of the best fast loans on the market, transparent, safe and also reliable"
Creditocajero Opinion - Conclusion
Creditocajero meets our expectations by providing all the advantages expected of a microcredit.
The procedures are few and easy, the requirements are not demanding, the process is intuitive and transparent, and its conditions are attractive both in terms of interest and repayment period.
If we are looking for immediate liquidity of low amounts it can be a very interesting option given its benefits. In addition, we cannot forget the speed factor, being a fundamental element where banks and traditional finance companies fail by not complying due to their cumbersome and slow procedures.
Another point in favor is the possibility of deferring payments by extension, paying in advance saving interest and also having a good program that rewards its most loyal customers.
As a negative point, it should be noted that the amount in the first loan is low, up to 300 euros, so that those who need higher amounts will have to resort to other alternatives.
Alternatives to Creditocajero.es
As options similar to this we can point out:
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