Creditosi is an entity dedicated to granting online loans that grants us two different financial products: the medium and long-term credit line and then its short-term mini-credit, while the mini-credit allows us to obtain amounts between 50 and 300 euros in the First credit application, also free for 30 days, in the credit line the amount can be increased up to 2000 euros to be returned in monthly installments for a period of up to 12 months (limit 1200 euros for new clients).
Quick mini credits
To request a mini-credit in Creditosi we can obtain an amount between 50 and 300 euros maximum, but if we are already clients, we will have the opportunity to increase the amount up to 1000 euros. What does not vary is the return period which remains stable, up to 30 days, 1 month.
|Type of financing Creditosi||Quick credits , mini- credits|
|Purpose / Destination||Anyone|
|Amount granted by Creditosi?||Up to € 1000 mini-credit, while € 2000 on credit line|
|And the minimum?||€ 50|
|What is the maximum term?||30 days|
|And the minimum?||7 days|
|Free first loan||Yes, up to 300 euros|
|What interest do you charge?||Up to 3678% APR|
|Do you ask for endorsement?||Not|
|Creditosi loan simulator and calculator||Yes|
|Can you defer payments?||Yes|
|What about early cancellation?||Too|
|Where is it hired?||Online as well as telephone|
|How long does it take||10 minutes|
|When will I have the money||1 hour, but it depends on the bank|
|What entities do you work with?||Several|
|Web page||Official Web|
|Is my application rejected because I am in the West African Loan Group?||Yes, but it depends|
|What debt limit do you accept at West African Loan Group?||None, but it depends|
|Do I need a payroll to request a loan at Credtosi?||No, but if income|
|Can I apply if I am a pensioner?||Too|
|And with unemployment benefit?||Too|
|What if I am a company?||No, but it depends|
|If I am self-employed?||Likewise|
|What age range does it support?||21- 65 years|
|Can I verify my details with Instantor?||Yes|
How to apply for credit with Creditosi
The loan application process in any of the financial products that Creditosi offers us is the same.
Next we explain step by step the procedure to follow.
1 - First we have to enter the official website www.creditosi.es and select the amount and duration of our credit. The system automatically tells us what we have to pay and the management cost for the financing to be processed.
2 - Secondly, we will have to fill in the application form with our personal and bank details.
3 - Creditosi then is in charge of evaluating our solvency and risk analysis so that it can study if we are solvent or not for them.
It takes into account not only the income we have, the amount requested and also the age, ability to pay and of course, the credit history.
Therefore, Creditosi does review the information in the equity and credit solvency files. In a matter of minutes, it is able to give a positive or negative response to our request.
4 - Following the study, we receive a response which may be that it is approved, rejected or an intermediate point.
Consequently, they approve us a credit but not for the amount we want but less. The conditions requested by the client may change, having to subsequently assess whether or not said proposal is of interest.
5 - Finally, after completing this process and if an agreement is reached, Creditosi sends a contract to our email or email informing us of the details of the financing (interest, terms, fees, total to be returned, APR, etc.)
Report the total cost including the borrowed capital, interest as well as the opening commission if you have it.
6 - Finally and after the answer, the money is received in the bank account that has been indicated during the registration with the same speed. In less than 15 minutes being a short term it is possible to have the money.
How Creditosi works
Once we are registered in the Creditosi portal and if we have already returned a credit previously, the successive requests will be able to increase the amount, being the process much simpler.
We will no longer need to identify ourselves as we will have already done it the first time. Creditosi works according to a level of trust which is constantly updated according to our compliance with the payment obligations contracted.
In this way, every time we return a loan in a timely manner, our valuation grows.
If we also decide to apply for a new loan in the future, we maintain the same level of solvency or even improve, we will have access to a higher amount.
But the same in reverse, not being responsible in payments means that our level of trust decreases, even rejecting the new requests that we make.
Creditosi credit requirements
The conditions to meet to request a quick loan with Creditosi are very basic. They are also the same for the Creditosi line of credit, let's see it:
- Age range between 21 and 65 years.
- Be a resident in Spain
- Accredit a regular and stable source of income (payroll, pension, also unemployment benefit, etc.)
- Not be registered in delinquency files such as West African Loan Group, Raí or Experian.
Likewise, during the Creditosi request, we will be required to verify our identity through the justification of fixed income.
Repay the loan
The process for repaying the loan is similar to that of other online credit companies.
Creditosi therefore guarantees that it does not charge hidden fees or commissions but that everything is reported in the loan contract.
However, if we do not fulfill our payment commitment, then if Creditosi can charge us a series of expenses and penalties for surcharges.
It happens in the same way both in the mini-credit and in the contracted line of credit.
Creditosi also advises us to repay the credit as soon as we have the funds available in order to save interest.
Making advance payments means paying ahead of time, paying less interest at maturity accordingly.
This is also valued as something positive which affects our level of confidence.
What if I can't pay?
If when the payment date approaches we see that we will not be able to face the return, Creditosi recommends that we contact them to agree on an extension or extension of the term to avoid non-payment. This deferral can be 10, 15 or 30 days in microcredits.
Failure to comply with the payment implies that our name may be included in records of defaulters in addition to suffering a claim for the debt by a collection agency.
Creditosi follows a responsible lending policy, that is why it demands the same from its clients. Signing a loan must be done very carefully and always being sure of being able to repay it within the established period without problems.
Creditosi admits various reimbursement methods either by bank transfer, payment by credit card or deposit at the La Caixa account ES10 2100 2824 19 0200069661, having to enter our name and DNI number to properly identify the payment.
If you have any questions or concerns during payment, we can contact the Creditosi customer service department, on the free phone number 930 185 200.
Contact and phone Creditosi
To contact Creditosi we can call the telephone number 930 185 200 during their customer service hours, Monday to Friday from 9am to 8pm, Saturdays from 8am to 7pm and Sundays from 10am to 3pm.
By calling the Creditosi customer service telephone number, we guarantee you will be attended by the company's agents in a friendly and attentive manner.
If you prefer to communicate online, you can also do so by sending an email to email@example.com or firstname.lastname@example.org
To that we have to add the live online chat available on the official site of the lender.
Creditosi customer area
After registering on the Creditosi fast loans website, through the username and password created in the registration, we can access the personal client area or user area.
To start session we must click on the login which we see on its main page. There you have to enter the credentials being the access customers online.
Within this client space, we can modify our personal data, initiate new requests, extensions, ask questions and much more.
Opinions about Creditosi
In this section you can read some comments from clients who have used Creditosi quick loans, most of them value the speed with which the lender has granted the money, also mentioning the transparency during the application.
Most of the comments we have found on the net are positive, as are the reviews and analysis of the company.
Therefore, the Creditosi opinions reflect it as a good alternative when money is urgently needed to cover a specific need.
Even so, we have also found some criticism towards Creditosi where they speak of abusive interests in case of not meeting the deadline set in the contract.
At Igreigre we believe in the policy of responsible loans, that is why we advise you before hiring a loan to pay attention to its financing conditions to ensure repayment without difficulty.
Opinion Creditosi - Conclusion
Creditosi is reliable, a safe place to ask for money when we are not in the West African Loan Group and we also have demonstrable income.
The institution offers us two financing options unlike other lenders, the mini-credit of up to 300 euros for free the first time to be returned in 30 days and the line of credit of up to € 1,200 in the first credit, for 12 months.
Once we are already clients, the Creditosi mini-credit can be extended up to € 1000 for 30 days.
The same happens with the Creditosi credit line, it can be increased up to € 2000.
This company is committed to working according to transparency values, being clear about the fees and costs of its products.
Interest rates are within the average as well as its terms, which makes it a fantastic solution is its variety and range of financial solutions.
If you are looking for a small loan amount, Creditosi offers you the first loan for free, while if you are looking for a larger amount or term, the line of credit is the ideal one.
As you can see, there are many advantages that Creditosi offers, and although West African Loan Group does not accept, its pros are much more numerous than its cons.
That is why we invite you to visit the Creditosi website and try any of their credits.
Are you looking for a place where you can give your opinion and express yourself freely about Creditosi credits? You have come to the right place, here you can solve your doubts and questions about this entity. Share your experience and help other users make their decision.