Prestamer is a financial institution that grants quick mini credits without having to send almost documentation with a 100% automated operation thanks to its robot. The application in Prestamer therefore we can do it at any time and day of the year. It does not matter if it is a business day or a holiday, we have the answer in minutes, not being necessary for any agent of the company to verify our data.
Prestamer Coupon Code
Request your first free loan up to € 300
Consequently, it is the ideal option when we have an urgent need for money, we look for speed on the part of the lender offering that specific characteristic that differentiates it from the rest.
If you want to know what Prestamer is, how it works, what are the conditions and requirements, who can request it and everything else, keep reading.
Prestamer - Conditions
|Financing type||Quick credits , mini- credits|
|Purpose / Destination||Anyone|
|Maximum quantity?||1000 €|
|And the minimum?||€ 50|
|What is the maximum term?||21 days|
|And the minimum?||5 days|
|Free first loan||Yes up to € 300|
|What interest do you charge?||839.5% APR|
|Do you ask for endorsement?||Not|
|Loan calculator and simulator||Too|
|Can you defer payments?||Similarly|
|What about early cancellation?||Too|
|Where is it hired?||Online as well as telephone|
|How long does it take||10 minutes but it depends|
|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?||No, but it depends|
|What is the debt limit at West African Loan Group?||It doesn't have, but it depends|
|Do I need payroll to request a loan?||No, but if income|
|Can I apply if I am a pensioner?||Too|
|And with unemployment?||Too|
|What if I am a company or self-employed?||Likewise|
|What age range does it support?||18 - 70 years|
|Can I verify my details with Instantor?||Yes|
How much money can I get with Prestamer
Prestamer offers amounts that vary between the minimum of € 50 and the maximum of € 1000.
But, if it is the first request, this limit is set at 300 euros in the first credit
If we comply with our payment obligations the following requests we can increase the amount up to the indicated 1000 euros.
How long do I have to repay the loan
The repayment period that Prestamer offers us is up to 21 days, less than usual in urgent mini-loans, which on average put up to 30 days.
We must consider this information before formalizing the operation, we have to make sure that we can make the return within the agreed period.
Otherwise, we will have no other option but to request an extension by also paying more interest.
Interest and Commissions
Prestamer loans have an interest rate, one of the highest in the competitive online microcredit sector.
For a loan of 200 euros to 21 days you have to return 246 euros.
For an amount of 300 euros at 21 days 369 euros.
If we ask for 800 euros at 21 days, we must refund 963 euros.
This is charged in the form of fees and commissions.
Advantages of applying for credit in Prestamer
The advantages that users obtain when asking for money here are multiple, the main one being the complete automation of the process.
This allows us an immediate and automatic service thanks to having the latest technology.
The Robot Prestamer works with total independence, analyzes the viability of our request to check if it is viable and grant us the requested amount.
Operational 24 hours, we can have an answer instantly and the money in our account in minutes.
Among the most important benefits we can point out the following:
+ High success rate, 90% of requests will be approved
+ It is a fast loan, application and sending of money do not take more than a few minutes.
+ No endorsements or guarantees
+ It has the Geotrust certificate which gives security to web browsing.
+ It does not matter to be in the West African Loan Group or other delinquent lists
+ Available 24 hours 7 days a week
+ Without travel, we only need an internet connection and a mobile device to complete the procedures.
+ Payment facilities (up to 4 different)
+ Responsible loan policy, only finance people who have the ability to pay.
+ Use the Trustly payment system, users can make the return with total reliability and security.
+ Satisfaction of more than 80% of the surveyed users
+ Reliable company as well as safe for its clients
+ Offers a discount to its clients on the following loan applications after paying the first one.
Who can contract a loan with Prestamer
In the same way as other fast credit products, it is necessary to meet a series of requirements to access them.
However, these loans are considered easy, with minimal requirements since their objective is to reach the largest possible number of people.
Then we show you what we must gather:
- Be of legal age and also reside in Spain
- Have a mobile phone and email
- We have to register on the Prestamer website.
What if I am in the West African Loan Group?
Although Prestamer does not expressly mention the West African Loan Group, it does indicate as one of the factors that grants that the applicant's credit history is not final when approving or rejecting the loan application.
This means that if we are enrolled in the West African Loan Group or any other delinquency record, this alone will not deny our application.
Prestamer takes into account many variables to evaluate our solvency, debts being one of them.
Analyze each application individually by studying a set of factors, in this way having a bad credit history does not prevent access to money.
But, its automatic risk analysis system takes it into account, depending on the circumstances of each user, it may or may not be considered a problem.
How to apply for a loan in Prestamer
The process to request a loan from Prestamer is actually fast, simple and intuitive, it only takes a few minutes.
1 - First we have to enter the Prestamer website and create an account. In the registration process we must provide a series of personal and financial information (name and surname, date of birth, what income we have in addition to sending a copy of the DNI)
2 - Secondly, we have to enter the desired amount along with the term in which we intend to return the credit. It will also be necessary to indicate the means of payment among the 4 options they offer.
3 - After sending the request, we receive a response with the approval of our request (90% of requests approved). Finally, it remains to sign the contract which is carried out reliably when confirming the loan conditions via SMS.
Finally, the money is transferred automatically, with your online robot in charge of completing the procedure. The main feature of Prestamer over other credit institutions is that the transfer is made automatically.
Many companies have everything automated except the process of transferring the money which is a person who manages it.
Conversely, it manages everything from start to finish, it is done automatically by the Prestamer robot.
Also note that unlike other companies it is possible to request a second loan even when the first has not yet been canceled.
If it is within its limits it is possible to request a second credit as long as we are up to date with the payments.
How long does it take to deposit the loan money
Although the money is transferred to you as soon as you sign the contract as it is done automatically, that is one thing and another to receive the money in an account.
Continuing with what was mentioned in the previous paragraph, Prestamer works through an automated system where there is no human factor involved in the approval or rejection of the application.
This facilitates immediacy when having financing, but it will depend on your bank and the time at which you make the request.
If the account from where the transfer is issued is from a bank other than the recipient, the money may take 24 to 48 hours to arrive, the same as other micro loans.
Only when the banks coincide will you be able to have the money in less than 1 hour, and in cases when it is done at the weekend or at night, you will have to wait until the next business day.
For example, if the loan is approved on Saturday at 5 in the afternoon, we will not have it until Monday.
What banks do you work with?
Prestamer works with Banco Santander, Banco Popular and La Caixa. If you have an account open in any of these entities, it comes to you instantly.
Repay the Loan
The repayment of the loan is established within a maximum period of 21 days, but if we want we can reduce that term by saving interest. The process to return the credit can be done through several forms of payment:
Pay by credit / debit card: As if we were making a purchase online. We enter the Personal Area and go to the "Active Loans" section and choose the option to "Pay" or "Extend".
For cancellation we must press where it says pay, we enter our card details and make the payment.
Bank transfer: We can make a transfer to the account that Prestamer gives us for the payment. In concept we must put our name and surname as well as ID to identify the payment.
Cash deposit at the window: We can pay in cash by going to any bank office. For this we have to print the payment order on the web. With it in hand we go to the bank and pay the debt.
Trustly: It is the one that recommends us to use the entity but also the least known.
As easy as entering our personal Prestamer account with the login, we go to the accepted loans area and choose the "Trustly" payment option
NOTE: If we choose the transfer option, it may take several days to arrive, stay ahead of the due date if you do not want to suffer any penalty.
Yes, we can pay in advance by canceling the credit before the due date. By doing so, we save as interest is calculated daily. Payment can be made from the customer access via online, or also call the customer service telephone number 912 909 974
Extensions and postponements
What happens if I cannot pay the loan in the agreed term? Unforeseen, unexpected expenses, Prestamer knows very well that sometimes situations can arise that prevent us from meeting our commitments in the scheduled time.
For this reason, it allows us to postpone payment by requesting an extension. The extension is requested from the client area, the same process as if we are going to cancel the loan but instead of "Pay" we click on "Extend". It will only be possible if we do it before the payment date.
Contact information and Customer Service Prestamer
To contact Prestamer, the entity facilitates contact, not only to request credit, but also to resolve doubts and questions. The company's customer service department is high-quality, close and attentive.
We can call Prestamer's toll-free number, 912 909 974 from Monday to Friday from 9 a.m. to 2 p.m. In the same way is your email address, the email firstname.lastname@example.org as well as your web form.
It is a brand of the Prestamer SLU company with Nif B54947403 and registered office at Avenida Europa 8, La Noria, local 17, Benidorm, 03503, Alicante.
Prestamer Opinions - What its users say
When we need immediate liquidity, resorting to the services of Prestamer is an attractive solution in many cases, but not in all.
Based on the fact that it offers a shorter repayment term than other entities (up to 21 days) and that its interests are not exactly the cheapest, we have to be sure that we can afford to pay on the scheduled date before starting the contract.
Then there are the points in favor of the entity, such as the option to request up to 1000 euros, other financial companies have lower limits, return the money in advance without cost and paying interest only for the time provided.
Thus, if we have to make a payment that we cannot postpone and we do not have the necessary liquidity, we can go to Prestamer as an immediate and simple solution.
This is why it is not surprising that opinions on Prestamer are generally positive.
Even so, investigating online we have also found some complaints that speak of usury, a common issue in fast mini-credit companies.
Here are some of the most outstanding comments and opinions of the entity:
Andrés "They are fantastic, the response times are immediate"
Juana "El Prestamer Crédito adapts well to my personal needs, for this reason I like it"
Pedro "It's fast, but on the other hand the APR is perhaps too high"
Javier "I applied for my loan last week, I have already repaid it without problems"
Prestamer is safe and reliable
Yes, it is a reliable entity, which can be trusted when looking for loans online. Being the automatic process managed by a robot, some people may have doubts about the operation.
But rest assured, they have the latest IT security tools giving customers peace of mind.
Would you like to have a space where you can answer your doubts and questions about Prestamer loans? Below we enable you a comments section so that you can express yourself and give us your opinion about the credit company. We are waiting for you!