For moments of lack of liquidity or when we need money, Creditomovil may be the solution we are looking for. Many times the economy puts us in more than a hurry, which forces us to make financial decisions in a short period of time
When we need financial support or extra help, we may have to resort to so-called mini-credits due to their immediacy and their minimum requirements.
Pay a last minute bill, face household expenses, a traffic ticket, fix electrical appliances, car breakdown, return to school, vacations…. Who has not found themselves in such a situation?
For situations like these, Creditomovil launches its loans, to help us overcome these potholes without the need for savings. Gone are the times where to apply for a loan we had to go to a bank with the time involved in completing cumbersome procedures and endless application processes.
Options like Creditomovil allow us to avoid this bad drink while we can enjoy almost instant money.
Everything we have to know about Creditomovil is explained below, its conditions, requirements, interests, terms and details with its other characteristics.
Creditomovil - Features
|Financing type||Quick loans , mini-credits , loans without paperwork|
|Minimum and maximum quantity?||€ 50 - € 1000|
|What is the minimum and maximum term?||5 days to 3 months|
|Free first loan||Not|
|What interest do you charge?||2899.03%|
|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?||The Caixa|
|Web page||Official Web|
CREDITOMOVIL: 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||18 - 65 years|
|Can I verify my details with Instantor?||Yes|
What is Creditomovil
Creditomovil is a financial institution specialized in granting loans online quickly and easily. In less than 10 minutes we can have the money in the bank account.
And although many microcredit companies offer it, few are the conditions that Creditomovil is capable of offering. The microcredits that Creditomovil have the backing of the Ferratum Group, an entity specialized in granting short-term personal loans online.
It meets the highest levels of quality, being transparency one of its pillars. This allows it to strengthen the relationship of trust between client and lender in favor of greater growth and continuous expansion that is still maintained today. Present in 21 countries, Creditomovil Ferratum based in Finland has become one of the benchmarks in the competitive microcredit sector.
Advantages of Creditomovil microcredits
Creditomovil allows us to request an amount of € 50 to € 700 to be returned within a maximum period of 45 days. If we are new customers, however, a limit of up to 300 euros is established for the first time to return in 30 days.
In this way, for requests for amounts less than 500 euros, the deadline is set at 30 days, only when we exceed that amount can we extend the term. Therefore, as we request and return these credits, the conditions improve.
The financial company Creditomovil also has a simulator and calculator which allows us to request credit with all guarantees.
We know before starting the application the interest on our loan together with the total to be reimbursed. The interests do not change over time, being a reliable and safe process. Creditomovil knows that the people who go to them need money quickly and easily, for this reason it reduces paperwork and paperwork.
Minimal bureaucracy for the benefit of immediate response and a higher success rate. Available 24 hours a day, 7 days a week, Creditomovil grants us the loan online, using any mobile device (computer, tablet or mobile). Likewise, it applies facilities when returning as we will see later.
Requirements to request a credit with Creditomovil
The requirements and conditions to be met to access a loan from this company are the following:
- Be between 25 and 70 years old
- Resident in Spain
- Bank account in our name
- Have a mobile phone number as well as email.
- Not be on the West African Loan Group list or other delinquent files
- Nor is it necessary to have a payroll or endorsement
Creditomovil, unlike other credit institutions, gives us the possibility of requesting the loan at any time and day of the year. It does not matter if it is a weekday, weekend or even a holiday.
As the application is online, it is indifferent as it does not require the intervention of the lender's staff.
In this way we will have the money we are looking for to fix the car, the appliances in our home, pay a fine, pay for supplies or any other need. Nor do we have to explain why we are asking for the money, without questions or interrogations.
How Creditomovil works
The application process for Creditomovil mini-credits is very simple, you just have to follow the following steps:
1 - First, enter the Creditomovil website and select the desired amount and term to return the money using the loan simulator.
2 - Secondly, fill in the online application form with our personal, bank and financial details.
3 - Later they contact us giving us the result of the credit application, an SMS is received with the pre-approval.
4 - An SMS is then sent accepting the loan amount.
5 - Finally, the money is received by bank transfer in less than 10 minutes.
Creditomovil knows that its clients need fast money, that is why the procedures are basic. Without sending documentation thanks to the instant online verification, without queues or waiting when applying for the loan online.
How long does it take to respond
Creditomovil uses the Halcash system so that we can live money almost instantly from our mobile phone. As easy as going to any ATM affiliated to the Hal-Cash network without having to belong to that bank.
Banks such as ING Direct, Banco Popular, Cajamar, Evo or Bankinter have ATMs that work like this system. To use the service we have to indicate our intention during the request because if they do not transfer the money to us by bank.
In other words, Creditomovil gives us the possibility to deliver the money in cash through the Halcash system.
Withdraw money in cash at the indicated Network ATMs at no cost of any kind. The advantage is that the withdrawal can be done immediately without having to wait 24-48 hours, which instead if national transfers take time.
Amounts and terms
Creditomovil offers amounts between 50 and 700 euros to be returned within a period of 5 to 45 days. But, if we are a new customer, the maximum is limited to 300 euros in 30 days, after returning the first credit it is possible to increase the amount to 700 euros in 45 days.
One of the benefits that we obtain when requesting a mini-loan from Creditmovil is the interest rate it charges, although high, it is lower than that of most of its competitors. The interest rate also varies according to the amount and duration of our credit.
To pay the micro loan, it can be done through a simple bank transfer, income at the window to the account of La Caixa or Banco Santander where the creditor has open accounts.
When making the refund it is important to identify who we are in the payment. Very easy, indicating the reference number that appears on the invoice along with ID and telephone number. After paying off the debt, you can apply for a new loan.
Repay the loan in installments
Another of the fantastic features of Creditomovil is that this entity offers us many payment facilities. It gives us the option to amortize the money as it suits us best. Pay it all at once in a single time as in small installments provided that the term set in the loan application is adequate.
For example, if we have put 30 days, instead of paying the money at once, we can make 3 payments every 10 days until its cancellation.
Returning the credit early does not imply any compensation or penalty commission, but neither does it imply any benefit to us as there are no discounts.
I can not pay
In the event that on the expiration date it is impossible for us to face the return, Creditomovil allows us to request an extension.
These last 15 days and can be requested up to a maximum of 3 times. The extension has an added cost which varies depending on the amount of the loan and the repayment term.
You can pay this cost 5 days after the loan expires. Still, it is often cheaper to ask for a deferment than to pay a late fee.
If the payment date arrives, we do not postpone payment nor do we cancel the debt, it remains unpaid. This generates a series of negative consequences such as the collection of penalties for non-payment whose amount varies according to the number of days of delay. For this reason it is convenient to have a good payment behavior, not to pay out of time because not complying with the established will condition in the future on successive requests.
To contact this company either to request mini-credits, resolve doubts or any incident, we can use the following contact channels:
Call Creditomovil toll free, the number 91 267 02 60 available during its customer service hours, from Monday to Friday 09: 00-20: 00 Saturdays and Sundays 10: 00-18: 00 send a message to your email address as well as formulate a query from the contact form on its official website.
The brand to which it belongs is Ferratum Bank PLS with registered office at Tagliaferro Business Center, Level 6, 14, High Street - Sliema SLM 1551, Malta
Opinions about Creditomovil
The comments and opinions on Creditomovil are generally friendly and satisfactory, which reveals a good average rating.
Here are some comments from people who have formalized one of these credits:
Luis "I was able to request my loan thanks to them with the best market conditions, easy and simple process"
Carmina "The mobile credit application sms and intuitive and simple, which I appreciate because I do not manage everything well on the internet"
Juliana "Knowing that Creditomovil is from Ferratum Bank a legal and reliable bank gives me peace of mind"
Creditomovil Opinion - Conclusion
Creditomovil is reliable, a safe, transparent and clear company where you can borrow with truly unbeatable conditions, first because of its low interest rates, which are among the most competitive in the sector and secondly because of its high success rates and minimum requirements.
That is why we invite you to try Creditomovil's mini-credits, a financial product that helps at times when we are looking for immediate and urgent money.
Likewise, Creditomovil follows a responsible loan policy, it cares about what it lends to its clients. For this reason, requesting fast loans online makes it a simple and instant solution, the entire process meets the highest quality standards, transparent process without surprises. Obtaining money is very easy thanks to Creditomovil.
Creditomovil, loan of up to 700 euros to be repaid within a period of up to 45 days, a clear, reliable and safe process with the trust and support of the Ferratum Group.