Hapicredito (Creditea nowadays) is a site that allows us to request quick loans to be repaid in online installments of up to € 3,000 without endorsement for a maximum of 36 months, it offers two financial products, the line of credit and the installment loan belonging to International Personal Finance Digital Spain.
That is why a type of loan that offers us the possibility of facing unforeseen expenses but with much higher flexibility than its competitors.
Everything we have to know about Hapicredito loans (Now Creditea) in this article we present it: What it is, how it works, what are its requirements and conditions, what it is for, pros and cons as well as customer opinions .
As companies similar to the financial Hapicredito and that also make installment loans we can name:
Currency Now, Zaimo, Younited Credit
Characteristics of Hapicredito loans
|Financing type||Quick credits , mini- credits|
|Maximum amount?||Up to € 3000|
|And the minimum?||1000 €|
|What is the maximum term?||36 months|
|And the minimum?||6 months|
|Free first loan||Not|
|What interest do you charge?||Up to 81% APR|
|Do you ask for endorsement?||Not|
|Loan calculator and simulator||Yes|
|Can you defer payments?||No, but if lack|
|And advance payments?||Too|
|Where is it hired?||Online, also by phone|
|How long does it take||10 minutes but it depends on the bank|
|When 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 by the West African Loan Group?||No, but it depends|
|What is the debt limit accepted at West African Loan Group?||Do not specify|
|Do I need to have a payroll to request Hapicredito?||No, but if income|
|Can I apply if I am a pensioner?||Too|
|And with unemployment?||Too|
|What if I am a company?||No, but it depends|
|If I am self-employed?||Likewise|
|What age range does it support?||18- 65 years|
|Can I verify my details with Instantor?||Yes|
What is Hapicredito
Hapicredito is a financial company specialized in signing loans without paperwork or payroll or endorsement online, with a response of less than 15 minutes but that offers much more flexible amounts and terms than other urgent money credit institutions.
While the usual thing in fast money companies is to grant a maximum of € 1000 to be returned in 30 days, Hapicredito in reverse offers up to € 3000 to be returned in up to 36 months, therefore much more flexible.
Your personal credits allow us to adapt our payments much better, being one of the best valued in the sector.
For this reason, Hapicredito is said to bring together the best of mini-credit companies (speed, accessibility and minimum requirements) and consumer finance companies (amount and term).
Hapi Crédito also applies a very competitive APR if you compare with other companies, which depends on the amount borrowed and the time until its repayment.
Why choose Hapicredito
+ Allows early payment of debt without commissions
+ Only apply interest on the capital used, at least on the credit line
+ Greater quantity and term, which allows us to expand its uses and not allocate it only to small liquidity needs.
+ Competitive and cheap interest
+ High approval rate
+ Online application, without travel, waiting or explanations
Hapi Credit Types
The conditions of the online installment loans of Hapicredito vary according to the financial product that we want to request.
It offers two different financial options, on the one hand the Line of Credit and on the other its Installment Loan.
Next we will explain the conditions of each one of them so that their differences can be understood.
Hapicredito Credit Line
We can ask for up to 3000 euros to be returned within a period of 36 months. It works like a credit card and is therefore a kind of revolving line of credit.
That is to say, despite the fact that they grant us a certain limit, we can have a lower amount by applying the cost only to the available balance.
For example, if they grant us 3000 euros but we only need 2000 euros, the interest is applied only on those 2000 not on the total. Exactly the same as seen on a credit card.
Interest is applied only on the money we withdraw.
The advantage is that this financing can be used as a financial cushion available in specific moments of lack of liquidity.
We will always have an approved money available when we want, not being obliged to use it.
This financial freedom that Hapicredito offers us allows us to make withdrawals at any time and day of the year.
In this way, among the main characteristics of the Hapicredito credit line we can point out:
Amount: Up to € 3,000 in less than 15 minutes
Repayment period: Up to 36 months to be returned in installments
Contract cost is zero, it only has a cost when we make money withdrawals
Immediate response: Online application available 24/7 days a week
Transparency: Before starting the loan application, we will know the monthly fee to pay according to the capital available
Installment loan Hapicredito
Amount: Up to € 3,000 with almost instant response
Refund period: Up to 24 months to return the money
Flexible: They give us the option to choose the monthly fee to pay according to a certain term
Quick loan so that the interest is applied on the amount granted not on the one arranged.
Online request with immediate response, in the same act we can have the money in our bank account.
The conditions to be met to have access to Hapicredito's personal installment loans are the following:
Be of legal age and have a DNI or NIE
Resident in Spain
Regular and stable income in the form of payroll, pension, unemployment benefit, self-employed, etc.
Not be on the West African Loan Group list or other default files
Hapicredito with West African Loan Group is not viable, therefore if we are registered in a file of defaulters we must review our article of entities that grant loans with West African Loan Group .
How to apply for a loan with Hapicredito
The process for applying for credit in this company is very basic, below we explain step by step what to do:
1 - First of all we enter the official website of Hapicredito and fill in a contact form with our personal data (ID, full name, mobile phone, mail, etc)
2 - Secondly, an SMS is received to the mobile where a code is indicated which must be entered into the system.
3 - Then we continue the procedures, we will have to enter the amount and term that we want our credit to have.
Request from 100 to 3000 euros without endorsement with a term of 36 months in the Credit Line while 24 months for the installment loan.
4 - After Hapicredito evaluates our solvency through a rigorous risk analysis where it determines if we have the capacity to repay the money.
5 - Later they answer us with the result, it is approved or rejected
6 - Finally and in case of approval, we receive the binding offer, and if we are interested in confirming the loan. This confirmation can be done by phone, by SMS to mobile or by email.
After confirming the credit, we access the website of the lender with our username and password to complete the last confirmation step.
7 - Finally we receive the money from our credit application by bank transfer in less than 15 minutes.
How long does it take to enter
After our request is approved, Hapicredito issues the transfer within a period of less than 15 minutes.
However, according to our bank this process can take from 24 to 48 hours. Unless our bank matches the one that issues the payment, it does not reach us instantly.
What banks do you work with?
It works with the main banks in the country to help the applicant to enjoy liquidity almost immediately.
To return the borrowed money, Hapicredito allows us to make the refund in three different ways:
Bank transfer: We pay the debt by transfer to the bank account number owned by International Personal Finance Digital Spain.
Credit / debit card: You can pay by card, as if we were making a purchase online.
Paypal: Hapicredito supports Paypal to settle the debt, a new and unusual method used by lenders but totally reliable and safe.
Hapicredito allows advance payment regardless of the initial term that we have put in the credit application.
For example, even if we have set 12 months for repayment, if we have the funds in the second month we can repay the debt early without problems. By doing so we save interest as these are calculated on a daily basis.
As they are fast installment loans, Hapicredito does not admit the possibility of requesting an extension or postponement.
For this reason, it is more important than ever to be sure of being able to make payments within the established deadlines.
The breach of the contract implies the collection of fees and interest for delay as well as commissions.
However, Hapicredito does allow a kind of postponement called "respite month" where for a month we do not pay anything. As a specific solution to any unforeseen event, it can help us.
This month of respite works like a lack of credit. In this way, in case of unforeseen events, delays in payment, we request a grace period of one month, postponing payment to the next month.
It has cost, but it is still better than not paying the debt in a timely manner.
To contact the urgent money company Hapicredito we can use any of the following contact channels:
Call Hapicredito on the number 902 201 232 during customer service hours from 9am to 9pm from Monday to Sunday.
Send an email to firstname.lastname@example.org
The brand to which it belongs is International Personal Finance Digital Spain SAU with registered office at Avenida de la Alfera 153, 28038 Madrid.
Once registered, there is the option of doing all the procedures and communication with the lender from the private user area.
Client area Hapicredito: My personal area
After registration, we will be able to enter with username and password into the system to control our relationship with the creditor from there.
It is possible to modify our personal data, change payment and billing dates, review contract, make payments, settle debt, request a respite month and much more.
Opinions about Hapicredito
Hapicredito's comments and opinions are generally positive. People often have a favorable opinion about the entity.
That is why to finalize our complete analysis on Hapicredito, we want to show what its clients think, those who have formalized an operation with the company.
The majority of Hapicredito clients demonstrate a level of satisfaction higher than 80%, a good number within the sector.
The low interest rates, the comfortable payments to be repaid in installments as well as the flexible repayment terms, give rise to this.
Here are some comments and the most relevant Hapicredito opinions:
Joaquín "Your online loans are just what I was looking for, easy, fast but applying fair and cheap interest"
Marga "Word of mouth is what brought me to this financial institution, I read several reviews and opinions about the entity, that convinced me, since then I have been a loyal customer"
Carla "Thanks to Hapicredito I was able to get the money urgently needed to cover my son's school expenses"
Roberto "When I need liquidity I usually turn to them, their line of credit allows me to always have approved money"
Hapicredito Opinion - Conclusion
Hapicredito is a reliable, safe and transparent company where you can ask for money safely without having to worry about scams or deception of any kind.
With no fine print or hidden costs, both your line of credit and the installment loan comply with the relevant rules and regulations.
With a valuation of about 9 points out of 10, it is among the best options, but now with another name, that of Creditea.
Igreigre is an online, personal and fast urgent loan comparison that helps you find immediate and paperless money with the best market conditions. Do not hesitate, compare Hapicredito with other products and discover which one best suits your situation.