Creditea is a company that grants fast loans online and that allows us to get fast money through your line of credit and your urgent personal loans. Creditea offers amounts of up to € 5000 in 15 minutes to be returned in up to 36 months, being fast online credits without paperwork and likewise immediate response.
The application is made online, it provides great flexibility, being also its minimum requirements to obtain a loan in this financial company, the fast loans of Creditea apply accessible interest rates, one of the cheapest in the market (between 42 and 381% APR).
The return can be made in comfortable terms of up to 36 months, amortized in advance at no cost as well as postponing payments. Currently, the brand belongs to Personal Finance Digital Spain SL, it offers two different financial products, the credit line and its installment loan.
Are you interested in knowing in detail the conditions, requirements, interests, how it works as well as the pros and cons of the financing it offers? Keep reading and get out of doubt.
Creditea Coupon Code
Apply for your first loan
|Financing type||Quick loans , mini- credits , installment loans , loans without collateral|
|Maximum and minimum quantity?||€ 500 - € 5000|
|What is the maximum and minimum term?||1 - 36 months|
|Free first loan||Not|
|What interest do you charge?||42.41% and 381.28%|
|Do you ask for guarantees?||Not|
|Loan calculator and simulator||Too|
|Can I defer payments?||Yes|
|And cancel in advance?||Yes|
|Where is it hired?||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|
Pros and Cons of Creditea over other fast credits
Among the many benefits that users obtain when applying for a loan in Creditea, below we show the most important:
+ Large amount of money at our disposal, up to € 5000, an amount larger than usual in online fast credit finance companies
+ Flexible return period, up to 36 months, in the same way much longer than usual
+ In less than 15 minutes we have a response after filling in an online application form and without paperwork
+ Choose the form of payment in installments, the amount to be paid each month as well as the number of installments we face at the end.
+ Early return without extra cost or compensation of any kind, this means paying less interest
+ Possibility of extension and extension in case of not being able to return the credit on the agreed payment date.
+ Cheap interest rates that are cheap when compared with most fast credit financial institutions
+ No opening and study commission
+ Transparency guaranteed, no small print or hidden costs, no cheating, not a scam.
+ Minimum requirements, processing the quick credits of Creditea do not ask for more than other financial products, and they can be processed without payroll or pension and also without guarantor.
+ Depending on the season, they usually launch promotions with discounts and discounted interest, for example "Agostazo de Creditea"
Requirements to apply for a loan at Creditea
To access the fast credits of Creditea you will have to meet a series of requirements which we will explain below, as they are unsecured loans, Creditea does not ask for any endorsement or guarantor for approval. Nor is it necessary to have a payroll or pension, but a fixed and stable source of income to demonstrate that we can afford the reimbursement.
Therefore, the necessary requirements to apply for credits in Creditea are the following: Be over 18 years of age and also permanent residence in Spain, have a DNI or NIE, have a mobile phone number and email, be the holder of a bank account in our country, justify sufficient income with which to face the monthly payments-
In addition, it is requested not to be listed in any registry of defaulters such as West African Loan Group or Rai since Creditea checks our credit history and solvency, in case of being registered in a list of defaulters we must take a look at the list of financial institutions that offer loans being in the West African Loan Group here .
What documentation do we have to send to request credit?
Consequently, the documents necessary to initiate the request and for the solvency analysis are the following: DNI or NIE, proof of income, bank statement or receipt where it is seen that we are holders of a bank account
How to obtain fast credits in Creditea
The request for fast credits in Creditea is actually easy and intuitive, just follow the instructions set by the institution. Here we explain step by step what you should do:
1 - First, enter Creditea at www.creditea.com
2 - Secondly, you have to use the slider bar selecting both the quantity and the desired return period.
3 - Next you have to fill out an online form with our personal and financial data. There is a wizard so that it is easy to complete, you will have to enter ID or NIF, mobile phone number, email among other things.
4 - Then we have to click on the button "Request your code" arriving an SMS message to the mobile which we have to enter.
The following is to indicate the credit limits in amount and term and finalize the form with our bank and personal information.
5 - Later confirm the quick credit. After the approval of our credit application by email and SMS, even sometimes by phone in case of doubts, we are notified of the result of the risk analysis. The confirmation we have to do from the Client Area within the lender's website.
6- Finally we receive the transfer of the credit money to our checking account, after confirming the credit Creditea sends the money in less than 15 minutes.
You do not have to send paperwork to get money, being one of its benefits. The verification is done through tools that verify our data such as Instantor from our electronic banking.
Credit Line of Credit
The credit line of Creditea offers us up to € 5000 in 15 minutes to be repaid within a period of up to 36 months.
After granting us the credit, we will have an approved money limit available when we want, being able to withdraw only a part, the total being the process to return the money in the same way in monthly installments.
The main advantage of the line of credit over the installment loan is that we pay interest only on the capital available, that is, although they approve us € 5000, if we only make a withdrawal of € 1000, the interest is calculated on the € 1000 not on the total.
In addition, its operation is similar to that of a credit card, revolving since as we return the money it is available again for withdrawal. Among the most relevant characteristics of the credit line of Creditea we can point out:
Amount: From 100 to 5000 euros
Return period: Up to 36 months, we can withdraw the money as many times as we want.
Online application through the form available on its official website.
Response is received immediately, in 15 minutes we know if it is approved or rejected
Fees: Creditea informs us every month of the amount we must pay
Early repayment: Amortize the credit money before the agreed payment date, in this way we save interest.
Creditea offers us availability: We will have a credit limit available to withdraw whenever we want.
The Creditea line of credit works in a similar way to a card, therefore it can be ideal for a financial cushion that helps us face unforeseen events.
For example, request the line of credit even if we will not need it in the future if we need that amount.
Installment loans from Creditea
The Creditea installment loan is one of the two financial projects that it offers to clients, for this reason it allows us to request from € 100 to € 3,000 in 15 minutes to be repaid in terms between 2 and 24 months. Below we see the most important characteristics of credit installment loans we can highlight:
Amount to get from 100 euros to 3000 euros
Flexible return period, from 2 to 24 months depending on the number of installments that interest us, therefore it adapts.
Quotas to be chosen by the client, fixed during the entire period of time and that can be adapted to our liking
Economic and low interests if we compare with other online credit companies.
Online application, without travel, waiting or queues.
Instant response, in less than 15 minutes we can have the entire process completed.
Early repayment before the due date saving interest, we only pay for the time we have the money.
Full availability, request the credit whenever we want online, 24 hours 365 days a year.
That is why the Creditea installment loan can be used to solve unexpected expenses, unforeseen expenses and other emergencies, returning the amount in comfortable installments at the end of the month.
One of the positive things about Creditea is that it offers flexibility in your fast loans, which allows us to adapt payments to our circumstances, it is possible to repay the loan in advance of the agreed term without interest or additional fees, which ultimately means savings.
In addition, if the payment date does not come into effect, the reimbursement is not made, we may request an extension or extension, extending the period.
If we have the money before the end of the credit, early cancellation of the credit and thus save interest, since these are calculated daily without penalty or commissions of any kind, it is a prize for canceling before the scheduled term.
It is the opposite situation to the one mentioned in the previous paragraph where the return is not faced on payday as there is no money available.
In this case, Creditea gives us the possibility of extending the return period as long as we do so before the expired date. For this we must contact your customer service.
I can't pay - Consequences
Not paying the debt means that a non-payment is generated, so we can suffer the following consequences:
- They charge us daily default interest until the debt is paid
- Commissions and penalties for non-payment
- Include our name in delinquency files, which will damage our creditworthiness
- Judicial claim of the debt
Contact Telephone and Customer Service Creditea
Contacting Creditea is possible by phone as well as through the online communication channels that the entity provides to its clients. Let's see the different means of contact enabled:
Call the telephone number Creditea 902 201 232 during its opening hours to the public from 9am to 9pm from Monday to Sunday. We have not found any toll-free phone that is free to call. Also send a message to your email address, firstname.lastname@example.org
The company behind this brand is International Personal Finance Digital Spain SAU, with registered office at Avenida de la Albufera 153, 28038, Madrid.
The company is also present on multiple social networks such as Facebook or Instagram.
If you are a regular customer, it may be interesting to download the mobile APP on your device and carry out your procedures. You can download it from the Google Play Store https://play.google.com/store/apps/details?id=es.ipf.hapicredito&hl=es if you have Android or from the Apple Store for iOs.
However, the fastest and cheapest way is to get in touch through the Client Area or User Area once registered.
Customer area Creditea - My Account
After having registered in your portal, we will be able to enter our personal area with a username and password and then control our affairs with the financial company, from requesting new loans, requesting an extension, paying or asking questions to the agents of the brand.
The best thing about using this Private Area Creditea is that we are communicating internally, also obtaining a quick response.
This type of client space is nothing new in the market since almost all Fintech companies use it as their main means of communication with their users.
Opinions about Creditea
The Creditea Opinions are generally friendly, people tend to think positively about the entity, however we have also found some criticisms and complaints.
Some users point out that after non-payment they suffer harassment, they wonder if the interest they charge is legal, they qualify it as usury and things like that. In this section we are going to show you some comments that we believe it is important to highlight where there are both positive and negative. Having clarified this, it should be made clear that the satisfaction rate for this financial product is one of the highest in the market with more than 90%.
Maria "I had an unforeseen event so I needed to make use of the month of respite (lack), something that other companies do not offer, since then I always resort to them"
Pablo "The Creditea personal loan adjusts to my needs, agile, reliable and safe, the closest thing to processing by bank but without being a bank"
Sandra "Your television ad caught my attention, I requested my credit and I was sincerely fascinated by the speed and the few paperwork that is needed"
Carla "They wanted to report me for not paying on time, luckily I was able to redirect the situation, sometimes I would prefer a better deal"
Opinion Creditea - Conclusion
Creditea is a financial institution that offers total confidence and security in loan application procedures. To begin with, it complies with the regulations, it is serious, also offering excellent financing conditions.
Although if you compare with banks and the like it may not seem like much, when you do it with other institutions specialized in online credits, things change. The interest rate is inexpensive, the repayment terms can be adapted to our liking and it also offers up to two different products, so that we choose the one that best suits us.
Ask for up to € 5,000 with repayment terms of up to 36 months, it can be amortized in advance, extending the term and also providing quality customer service.
For all this, it is not surprising that it is in our ranking of the best fast loan companies this year, and it is that more and more loans to repay in installments are gaining popularity being direct competition to traditional banks and financial institutions.
Similar to Creditea
As a company similar to this and that also offers installment loans in the form of a line of credit, we name Monedo Cashperplus
Would you like to have a space to answer your doubts and questions about Creditea credits? Write any concern you have on your mind in the forum below, express yourself freely and tell your experience with the company.