Information updated this month. Request a mini-credit with Moneyman of up to € 1300 to be returned in comfortable installments from its official website (here)
What is Moneyman
Moneyman is a company specialized in granting fast loans, it allows us to get from 1000 to 1200 euros in just minutes, to be repaid in terms of between 5 days and up to 4 months.
Both the amount and the repayment term depend on the amount of money that we have requested from the lender. For example, if it is the first credit request as new clients, we can get up to 300 euros to return between 5 and 30 days in a single installment or up to 62 days in two monthly payments. In case of being already registered and being Moneyman clients, we can increase the amount up to 1,300 euros, its main characteristic being that no other company offers large mini credits in the market.
Depending on the level of trust, Moneyman has up to five different levels. Therefore, as your client requests and repays a quick Moneyman loan, they will move to the next level and so on. By ascending levels we will be able to ask for more money, extend the return period and even choose to pay in monthly installments instead of a single payment, all at once. All this without forgetting that the higher the level, the lower the interest Moneyman applies.
Moneyman is a lender that analyzes each request individually, seeking to offer a solution that adapts to our financial profile. It also has an instant analysis and verification system (Instantor) that allows you to analyze several requests at the same time. That is why we can have an immediate response to our mini-credit request.
Moneyman - Conditions
|Financing type||Quick loans , mini-credits , installment loans|
|Minimum and maximum quantity?||€ 50 - € 1200|
|What is the minimum and maximum term?||30 days to 4 months|
|Free first loan||Not|
|What interest do you charge?||1733%|
|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|
MONEYMAN: 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||18-70 years|
|Can I verify my details with Instantor?||Yes|
Amount and term
Depending on the level of customer that we have, Moneyman allows us to get different amounts. The minimum amount is € 100 and the maximum is € 400 for the first request. From here we can increase the amount to € 500, € 700, € 1000 up to the maximum of € 1300 as we move up the levels.
Interests, commissions and fees
The interest rate that Moneyman applies depends on many factors, whether we are new customers, amount, repayment term, etc.
For example, for new clients we can get up to 300 euros for free, without interest or commissions for 30 days. The second and subsequent request may have a cost of € 16.50 and € 30 depending on the level for a request of € 100 in 30 days.
As a representative example we put the following:
For an amount of € 350 over 62 days, 2 installments of € 262 must be returned, this is € 524.
If we ask for € 100 for 30 days as clients, the APR can be around 3112.64% while if we are new clients the APR is 0%.
Moneyman Levels How does it work?
As we have indicated previously in Moneyman there are up to a total of five levels of fast credits. Let's see each of them in detail:
Start Level: All new users and customers of the company belong to this level. We can ask for amounts ranging from 100 to 400 euros. The return period of 5 to 30 days, an interest of 1.1% per day is applied if we exceed € 300 in 30 days. That is, if we ask for € 300 for 30 days there is no interest, if € 350 then yes.
Takeoff Level: In the second loan we can increase the amount up to € 500, the same with the term which ranges from 5 to 62 days. A daily interest of 1% or 0.7% applies if the term is 62 days.
Ascent Level: From the third request you can request an amount of up to € 700 with a period of 5 to 62 days. The interest is 0.9% daily or 0.65% daily if we choose the term of 62 days.
Turbo level: From the fourth request, request up to € 1000 to be returned within 5 to 90 days. In addition, the interest rate stands at 0.6% per day
Superturbo level: From the fifth request and later, the one with the best conditions. Up to € 1,300 with terms between 5 and 120 days applying a daily interest of 0.55%.
First free credit without interest up to 300 euros in 30 days for new clients
+ Up to € 1,300 for existing customers
+ Up to 4 months of return period
+ Early cancellation without commission
+ Extension of up to 180 days
+ Competitive interest rates in the microcredit market
Requirements to apply for a loan from Moneyman
The requirements that we must meet to access the credit offer of this company are the following:
Be over 18 and under 65 years of age
Permanently reside in Spain
Be holders of a bank account in our name
Have email and phone number
Prove sufficient income that serves to demonstrate that we have the ability to pay.
On the subject of income, a payroll is not required, but a stable source of income. Therefore, with a pension, unemployment benefit, self-employment and even an aid can be valid.
Moneyman accepts West African Loan Group
Yes, unlike banks and other credit institutions, it is capable of signing loans to people registered in delinquent files such as West African Loan Group. However, it analyzes each case individually, so depending on the reason for the debt and the amount, the answer may be different. For example, it is not the same to owe € 200 for telephony than € 1000 for an unpaid loan. This is a risk factor that lending companies often take into account.
How to get a loan at Moneyman
The process to request a Moneyman credit is actually very simple and intuitive. Here we explain step by step what you should do:
1 - First we have to enter the website of www.moneyman.es
2 - Secondly, we have to select the amount and term to request
3 - Then we have to fill in the online application with our personal and financial data.
4 - Next we have to verify our data through online banking (Instantor is used)
5 - Finally and after reading the contract, you must accept the terms and conditions and sign it.
How long does Moneyman take to deposit the money?
Once we have formalized the contract and the credit company has it in its possession, it makes the transfer immediately. But that does not mean that the money reaches us instantly because according to our bank this can take 24 to 48 hours.
Unless the bank from which the amount is sent to us coincides with the recipient, this period may take an average of 24 hours.
Which banks does Moneyman work with?
He works with Bankia, ING Direct, BBVA and Banco Sabadell. Consequently, if we have an account in another bank, even if they transfer the amount to us at the time, it will most likely take the next business day to arrive.
IBAN: ES28 2038 9249 0160 0011 5066
IBAN: ES37 1465 0120 3119 0049 5920
IBAN: ES39 0182 1045 2402 0211 9663
Repay the Moneyman loan
The repayment of the loan can be done in various ways since Moneyman provides several possibilities:
Bank transfer to the account number indicated
Direct entry through the window into the indicated account
Pay using the associated credit or debit card
In case of not being able to pay the loan when the expiration date, Moneyman allows us to request an extension, that is, to postpone the amortization in 7, 14, 21 or 30 days. The extension has a cost but it will always be less than the default interest and the commission for non-payment. The maximum term for extensions is set at 180 days.
If before the agreed payment date we have the money to make the reimbursement, we can make the early cancellation without extra expense. The advantage of this is that since interest is calculated daily, we save interest because we only pay interest for the time in which we enjoy the money.
And if I can't pay the loan
If it is impossible for us to face the payment of the debt and we do not extend the term, what happens is that it remains unpaid. Non-payment brings with it a series of consequences, among which we can highlight:
Penalties for late payment in the form of a commission of 20% of the outstanding capital
Default interest of 1.45% daily
They can include our name in delinquency files and other financial solvency files that will undoubtedly affect us in the future in new financing requests.
Not paying Moneyman is not a good idea and neither is not meeting our financial commitments.
Right of withdrawal
If after signing the loan you have thought twice and you consider that you will not be able to return it in time, you have up to 14 days to cancel the contract at no cost.
Contact details and Moneyman Customer Service
Whether we need to resolve a doubt, incident, problem in the return or any other matter, we can contact the entity through the channels made available. Let's see what they are:
To contact Moneyman by voice, we must call the free phone number 900 800 329 available during its customer service hours from 9am to 8pm, Monday to Friday.
It also has another customer service number whose call will be free as long as we have a flat rate to national landlines, 93 722 73 54.
If we want to communicate with the entity, it must be done during its opening hours to the public, this is from Monday to Friday from 9 am to 8 pm.
Moneyman client area or My Account
One of the best ways to get in touch with Moneyman is to use the personal area or client area enabled on its website. This has several functions but the most important is to allow communication between clients and lender.
It is also not an exclusive service offered by Moneyman Spain, most online credit institutions offer this type of access.
In this way, once we have proceeded to create an account, with a username and password we will be able to access and carry out our procedures with the entity.
From Moneyman client access we can change our data, request new loans, request deferrals or cancel the debt. In case of doubts or questions, we can make our inquiry by sending a message in this way.
If you prefer online communication, you can send them a message to their email address, to the email email@example.com
It has a presence in the main social networks such as Facebook, Twitter or Linkedin among others.
Mobile Application and APP
This company has a mobile application which you can download for free from Google Play ( https://play.google.com/store/apps/details?id=es.moneyman&hl=es ) on your Smartphone to access from there. If you are a recurring customer of their services, you are interested in using the Moneyman app because you will be able to control your movements, transactions and other procedures from your mobile.
Unsubscribe from Moneyman
If you want to unsubscribe, you just have to enter the customer area at moneyman.es and proceed to it from there. You can only do this if you do not have an active or overdue loan. That is, if you have registered but have nothing contracted then you can cancel the system data from your private area.
Other frequently asked questions about Moneyman
Can you seize me?
Who does Moneyman belong to?
How can I enter your job bank?
Where does the lender have his address?
Do you have a Moneyman points program?
What is the cost of requesting an extension?
Is it easy to apply for a loan at Moneyman?
Opinions about Moneyman
We have researched on the internet in specialized finance forums, review blogs, analyzed surveys to verify that Moneyman opinions are disparate, however favorable ones predominate. A simple search on the internet helps us to find comments from clients who have contracted this financial product. Some are happy, others think fair and others bad.
It is not difficult to find negative comments about Moneyman where they claim that they are loan sharks, that they are going to report them for harassment, they are going to sue or wonder if it is legal.
However, this is something we see in all mini-loan companies given the high interest rates that apply. Even so, the majority of opinions are positive as they confirm the high degree of satisfaction of its users. Because whoever asks for this type of financing knows that they are going to pay an extra cost in interest, what they are interested in is getting money quickly and easily.
Here are some of the Moneyman opinions that reflect well the general sentiment of their applicants:
Carlos "Moneyman gives loans with the West African Loan Group, something that provides multiple advantages since it happens the opposite of traditional banks and financial institutions"
Adrian "I don't have to put a guarantor, nor any guarantee, it is enough to have income, I recommend it"
Francisco "I owe money to Moneyman but since I could not pay it on time they offered to postpone the payments, you can see that they are striving to satisfy the needs of their customers"
Marina "Moneyman is safe, a reliable place to request a short-term mini-credit"
Andrés "Through his blog I was able to find out about the latest news from the financial sector"
Susana "Moneyman threatens to take me to court for not having canceled the loan, I tried to refinance the debt"
Similar to Moneyman
Although this seems to us an entity with great potential and path where to request a microcredit, as an alternative we can also recommend these other companies:
Do you want a space where you can solve your questions, doubts and incidents with the financial services provided by Moneyman? Below we enable the comments section so that you can express yourself freely and give your opinion about the company. Tell us what you think, we want to know!