What is Pulpocredit? Pulpocredit is a credit institution that allows us to request an amount of € 50 to € 600 with a return period of 7 to 28 days. The first request the amount has a limit of up to 200 euros. But as we return the previous requests gaining confidence, the company's loyalty program rewards us by giving us access to a higher amount. In addition, to access the Pulpocredit loan, it is enough to meet a few requirements such as: Be over 21 and under 70 years of age, reside in Spain, have a DNI or NIE, email, mobile phone number and bank account ownership.
The application process is simple, being entirely online, in this way it will be necessary to enter the website of www.pulpocredit.es and fill in the online form, later a response is received with the approval or rejection of our application. This is sent by email to the person indicated during registration or via SMS.
In Pulpocredito we can request loans of € 50 to € 200 if we are a new client and up to a maximum of € 600 if we are regular clients of the financial company. The return can be made through various forms of payment, in addition, in case of unforeseen or similar, not being able to return the Pulpocredit loan on the due date, this allows us to request an extension of 7 or 14 days.
The loan application with Pulpocredit is made in minutes from the web, the response is also immediate, we will know if it is approved or rejected at the time, if money is positive in the bank account instantly.
Characteristics of Pulpocredit
|Financing type||Quick loans , mini-credits , loans without paperwork,|
|Minimum and maximum quantity?||€ 50 - € 600|
|What is the minimum and maximum term?||5-28 days|
|Free first loan||Not|
|What interest do you charge?||431.08%|
|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|
PULPOCREDIT: Analysis and Opinion
|Is my application rejected by the West African Loan Group?||Yes, 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||21 - 70 years|
|Can I verify my details with Instantor?||Yes|
How much money can I get in Pulpocredit
Pulpocredit can grant an amount of up to € 600, however this is only for existing customers. If it is the first request we make in this company, Pulpocredit allows us a maximum of up to 200 euros for new clients. Later, through its loyalty program, the amount can be increased as long as we are responsible.
How does your loyalty program work?
What Pulpocredit does is assign a client level according to the number of requests we have made and also our payment behavior, here we explain it:
With each new credit application, Pulpocredit values us better what favors us in future procedures as we see below:
New customers: The first Pulpocredit credit is limited to 200 euros.
Already clients: After requesting the first loan, they allow us to increase the amount up to 250 euros.
Silver client: In the third request we will be a Silver Pulpo client, with a new limit of up to € 350 with an added discount of 10%.
Gold client: In the fourth request we become Gold clients, which means that we can request up to € 500 with a 20% discount
Platinum Customer: In the fifth request the degree of loyalty is already very high, they reward us with the Platinum Octopus level, being able to increase the amount up to € 600 and a 20% discount.
Despite the fact that this program may seem positive, it limits the amounts too much, so much so that until the 5th loan it will be impossible to reach € 600, taking into account that the use of mini credits must be something specific, we find it quite disappointing.
The interest rate applied by Pulpocredit depends on the solvency of the applicant, the amount requested as well as the fixed repayment period. Next, we give you a sample of the cost of formalizing a mini loan in this company.
|Requested amount||Fee||Total to pay||Duration|
|€ 50||8 €||€ 58||14 days|
|€ 100||€ 16||€ 116||14 days|
|€ 1,000||330 €||€ 1,330||30 days|
Consequently, for an amount of € 50 in 14 days, € 8 will have to be returned in total, this is € 8 of fees.
If we ask for € 100 in 14 days, € 116 will have to be returned, fees of € 16.
A request of € 150 to 21 days, will have to reimburse € 188, fees € 38
While for an amount of € 200 to 28 days you will have to pay € 266, € 66 of fees
Requirements to obtain Pulpocredit loans
- Be between 21 and 70 years old
- Permanently reside in Spain
- Have a mobile phone number as well as email
- Be a bank account holder
- Accredit demonstrable income of some kind, but it does not have to be payroll
Pulpocredit accepts West African Loan Group
Unfortunately, Pulpocredit does not give loans with West African Loan Group as it is one of the factors to cancel an application. However, it analyzes each request individually, so depending on the nature of the debt and the amount, it may not be taken into account.
For example, if we appear in the list by telephone and only for € 10, it is likely that they will not value it as something negative. While if we are for € 1000 and it is also a bank debt, the situation will be the opposite.
How to request credit from Pulpocredit
The loan application with Pulpocredit is actually easy and simple, just follow a few steps:
1 - First, you have to enter the website www.pulpocredit.es . Once inside, we use the loan calculator or simulator to select the desired amount and the term to return the money. The calculator informs us of the costs, fees as well as the interest that will have to be paid.
2 - Secondly we have to click on "Request € 200"
3 - Next, an online form will have to be completed with our personal, banking and financial information, name and surname, date of birth, DNI number, mobile phone, email is requested.
4 - Finally and after delivering this information, the lender's agents evaluate our solvency to determine whether or not we are solvent. They value not only our income, length of service, employment, but also if we are in default or our debt.
5 - Finally, we only have to wait for them to inform us if they have approved or rejected the credit application. If it is positive, they send us the money in less than 15 minutes by bank transfer.
After signing the credit, the following must be to make the refund of the money effective. The settlement can be made effective through bank transfer as payment by card or deposit at the window.
To cancel the loan as easy as entering Pulpocredit Personal Area, find where it says "pay", click on that tab and complete the payment.
It is important that when paying we correctly identify the payment, otherwise it is not considered settled. That is why we will have to put our ID and the word "Payment" into concept
It is also possible to call the telephone number 932 203 833, the one of your customer service to make the return.
What if I can't pay?
If at the expiration date we find it difficult or impossible to face the payment, Pulpocredit gives us the possibility of requesting an extension or postponement. The term extension can be 7, 14, 21 or 28 days, and there is also a cost. To find out what it means to renew the credit, you have to enter the Customer Area and make the calculation using the loan calculator.
Failure to pay in a timely manner entails the payment of a penalty, late payment interest and other commissions for non-payment. For this reason, it is convenient to be sure that we can repay the credit without problems, but it is better to look for another alternative.
Similarly, Pulpocredit allows you to make advance payments to pay off debts early. Advance payments help us save as we pay less interest in the end.
Pulpocredit Telephone and Customer Service
If we need to contact Pulpocredit we can use any of the ways and means that it enables; From calling the free landline number in Barcelona, 932 202 8733 during its customer service hours from 9 a.m. to 6 p.m. from Monday to Friday, as well How to send an email to your email, email@example.com.
Therefore it is not possible to obtain fast credits on Sunday.
In the same way we can formulate our query from the online web form as well as from the existing live chat.
The company to which Pulpocredit belongs is Inton Consult SLU, NIF B66816141 domiciled in Teia Barcelona at calle Juan XXIII number 3.
But if we have already registered in the new mini-credits portal, without a doubt the best thing to do is to do it from the Customer Area or user area.
Pulpocredit customer area: Personal area
After registering on the platform, it is possible to enter client access with our credentials. It is enough to log in from the login that we see on its home page with username and password.
After becoming part of the Pulpocredit clients, you will no longer need to make any calls or send emails. All procedures can be done from this private area. From requesting new loans online, deferring payments, asking, etc.
Why choose Pulpocredit
The advantages that users obtain by borrowing from this company are multiple. Your fast credits have many positive elements except for one, your APR (Annual Equivalent Rate) which is quite high.
Transparency: Pulpocredit has always been known for being transparent and clear in the processing of its products. They offer new reliable and safe online loans for the peace of mind of the borrowers.
Security: At Pulpocredit they guarantee the confidentiality of the data provided during the request, so it has SSL certificates, systems that encrypt our data so that no one can access them.
Quick: The application is made online, without travel, waiting or queues, which saves time. For this reason they are known as immediate loans, because of their immediacy because in less than 15 minutes we can have money in my account already.
Technology: Pulpocredit is at the forefront of digital technology, which facilitates many of the procedures, especially during analysis, the automation of its financial services gives the possibility to offer money 24 hours a day, 365 days a year.
Without paperwork: It is possible to apply for a loan on the spot without sending documentation in a simple and hassle-free way.
Frequently Asked Questions Pulpocredit
How long does it take to deposit the money
The transfer is done in less than 15 minutes after the money is approved. However, the receipt of the credit amount depends on our bank and the banks with which the lender works, transfers between different banks can take 24 to 48 business hours.
Which banks does Pulpocredit work with?
It works with the main banks in the country, which makes it easier for us to have financing instantly.
Pulpocredit Opinions - Customer experiences
In this section you are going to read some comments and experiences from people who have formalized one of these new mini-credits, most users have a high level of satisfaction, which is why we can expect that Pulpocredit's opinions are positive.
We continue to present some of the most relevant:
Julia "Quick and easy, that's why I always trust them when I need a capital injection"
Juana "They got me out of a bump quickly, for this reason whenever I can I recommend them"
Carlos "It is a trustworthy, safe and trustworthy company, I am calm when I use your brand"
Sebastián "I needed a small short-term loan to pay for medical expenses, thanks to Pulpocredit I was able to solve it instantly"
Pulpocredit Opinion - Conclusion
Pulpocredit is reliable, a company dedicated to granting new mini-credits online with a great reputation in the online credit market, the institution is characterized by meeting the highest levels of data security, offering fast money online, also counting on a high success rate.
Clarity is also assured, without small print or hidden clauses which protects us against unpleasant surprises. The requirements are also basic, it is enough to prove a fixed and stable source of income such as a pension, payroll or benefit to access.
The analysis is completed in minutes and therefore we can know the result of our request almost immediately.
In the same way, it draws attention to its responsible loan policy, which advises us to sign only those operations that we can return in a timely manner. Owned by the company INTON CONSULT SLU and domiciled at calle Juan XXIII, number 3, 08329 Teia (Barcelona) is synonymous with good customer service.
Even so, these characteristics are typical of the micro-loan market. It does not have any special features such as a long repayment term or the ability to sign with the West African Loan Group. Their interests are not considered the cheapest either, on the contrary, they are in the range of the most expensive and can reach up to 5431.08% APR.
Are you interested in enjoying a space where you can answer your doubts and questions about Pulpocredit? Right in this section you can write your comment with total freedom in order to share your experience and give your opinion about the school.