Getbucks is a credit company that is characterized by offering personal loans with flexible conditions, up to 800 euros to be repaid in 35 days, these mini-credits are used to cover unexpected expenses and solve situations of lack of liquidity immediately.
In addition, the entire application process is analyzed individually, checking the solvency of customers to decide whether to approve or reject it.
Getbucks limits in terms of amount and term are flexible, one of its advantages being that they are not so rigid in granting your fast loans.
For example, initially a maximum amount is not set for new clients unlike other microcredit companies, however we understand that it has a loyalty program based on trust and that it improves financing conditions as we earn points.
Everything we need to know about Getbucks loans can be found here. We will explain its conditions, requirements, how it works, pros and cons as well as the opinions of clients.
Getbucks - Features
|Financing type||Quick loans , mini-credits|
|Maximum and minimum quantity?||€ 50 - € 800|
|What is the maximum and minimum term?||5 - 35 days|
|Free first loan||Not|
|What interest do you charge?||1660.52% 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 - 64 years|
|Can I verify my details with Instantor?||Yes|
Getbucks loan amounts and terms
At Getbucks we can request amounts of up to 800 euros with a return period of up to 35 days, figures therefore higher than the average for this type of credit.
For example, an application for a mini loan of 300 euros, the amount to be returned in 30 days will be € 379.89, while if it is 7 days the total would have been € 318.64
From the Getbucks website we can use a simulator where we enter money and time to know the total cost according to the chosen variables. Once we have adapted the credit to our liking, we click on “Request Credit” and start the request.
Requirements to apply for Getbucks loans
The requirements that we must meet to have access to this financial offer are as follows:
Be between 18 and 65 years of age in addition to residing in Spain
Be the holder of a bank account with a debit card associated with it
Have email and mobile phone number
It does not require payroll but we do have a fixed source of income such as a pension, benefit, self-employment, among others.
It admits West African Loan Group, therefore appearing on a delinquency list does not make it impossible to access the money.
Also note that meeting these conditions makes it easier to apply for a loan at Getbucks but does not guarantee approval.
The decision to approve or reject our application depends on our financial profile and the solvency study that they carry out.
Remember that the lender analyzes each request individually to check if we have the capacity to make the repayment effective.
How to obtain a credit in Getbucks Spain
The process of applying for a loan to Getbucks is done online from the official website of the company, below we explain the steps to follow:
1 - First you have to go to the www.getbucks.com website
2 - Then we have to select the loan conditions that best suit our personal circumstances (duration and amount)
3 - Next we have to provide our personal information with which they will evaluate our application (employment status, demonstrable income, age, date of birth, seniority, etc.)
We will have to send the necessary documentation that they ask us to verify our information, and after being verified we continue the procedures.
4 - Later we receive a response as to whether or not to accept our request.
It may be the case that we do not receive a loan proposal with the conditions we request but for a lower amount.
This alternative offer is launched by Getbucks when we are clients who offer confidence and ability to pay back but according to the limits set and solvency.
5 - Finally and in case of success, they transfer the money to our bank account in just a few minutes.
Keep in mind that Getbucks uses a confidence scoring system where as we request new credits and return them in a timely manner, this increases, thus improving our relationship with them, it means that we can request higher amounts with better conditions in the future.
The higher our valuation as a client, the probability of accessing the desired loan in the following applications increases.
After accepting the credit, the invoice with the total cost is received by email to the email indicated during registration, this includes the initial amount plus the interests and fees agreed according to the term we have chosen, Getbucks then deposits the funds in our checking account at less than 1 hour.
After accepting the credit, the next step is to proceed with its return. In this sense, Getbucks provides a single form of payment, by debit card charge.
Consequently, we do not have to do anything except worry about having enough balance to make the refund.
However, if we want to change the payment method we can choose a different payment system in the contract.
For example, if we prefer to pay by bank transfer or cash-in, we can return the credit in this way, stating it in the payment document.
If we have the money before the due date, we can pay the debt in advance at no additional cost, although it will not mean a saving in reverse of what is seen in other lenders.
That is why it is convenient to negotiate a short-term payment if we see we can face the return in a short time, it will save on interest.
Extension and Postponement
In the event that, upon the payment date, we cannot face the refund of the credit, we have the possibility of resorting to an extension as well as postponement.
By postponing the payment we are setting a new due date thus avoiding non-payment.
I can not pay
If we do not pay, Getbucks applies a commission of 20% of the total as a surcharge and penalty.
To this we will have to add the late payment interest that is applied day after day plus the notifications that Getbucks sends us to request payment, which also increase the total to be paid.
For more information on this point, we recommend visiting their website or contacting their online customer service where we can ask our questions regarding this matter, our personal situation, being clear if Getbucks is the best mini-loan company for us.
Getbucks Phone and Customer Service
To contact Getbucks we can use any of the communication channels that it makes available to users:
Call the free phone 931 816 013
Send an email to your contact email email@example.com
Ask our question through the online form available on the official website.
The brand to which it belongs is Getbucks Spain SL, with registered office at Passeig del Ferrocarril number 337, 4to, 08660, Castelldefels, its director is called Dave van Niekerk Getbucks aims at financial inclusion by helping access to people who cannot by bank they would have input.
One of the advantages of Getbucks over other micro-loan companies is the option to communicate from its application, it can be downloaded for free from Google Play Store if we have an Android device or APP Store if iOS.
Opinions about Getbucks
Andres "If you are looking for loans in Spain, this company is one of the best to solve emergencies and also payments of small amounts"
Lucia "Although it was one of the last mini-credits to appear, it has earned my trust based on the transparency and thus security shown in each of my requests"
Carmen "The new loans offered from € 50 are fast, safe and have high success rates"
Carlos "Getbucks is reliable, a portal where you can ask for money with complete peace of mind and also obtaining good conditions"
As companies similar to Getbucks we can recommend: Pepe money, Vivus
With this article we get to know Getbucks online microcredits much better, but if you still have questions to solve, we advise you to make use of this section. From the Forum you can ask questions, get help and support from other users as well as tell about your experience with the entity. Leave your comment and tell us what you think.