Updated this month. Visit the website here and discover the advantages that Ibercredito has to offer. Do you lack liquidity at the end of the month to face an unforeseen event, a utility bill, finance a trip or do you want to indulge yourself but you don't have capital at the moment? You can ask for money from a family member, friend, request a bank loan among some options. However, now you have an ideal alternative, your trusted site Ibercredito.es
Ibercredito - Features
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What is Ibercredito?
Ibercredito.es is an online credit institution that provides mini loans that allow us to cover our financial needs day by day. It makes it easy for us to obtain the money we need, unlike banks, which tend to require cumbersome and slow processes.
With this financial company obtaining the money in minutes is possible, minimal paperwork and also without papers.
In fact, in the Ibercredito opinions we are going to see it as one of the factors why users opt for this institution. More than 90% of satisfied clients endorse the financial services in the form of a mini loan from this company.
All we have to know about Ibercredito's financial product is shown below: What it is, how it works, what are the requirements, how much can I get, term, interest, commissions as well as opinions and advantages.
Advantages and Disadvantages of Ibercredito
The fast Ibercredito mini-loan offers a large number of benefits to applicants who ask for money, here are some of them:
+ The Ibercredito website has a friendly, simple and intuitive user interface, which facilitates navigation in order to complete the transactions we want.
+ Without travel or waiting, the procedures are carried out online, therefore it allows us to save time.
+ Ibercredito has a virtual loan simulator or calculator which allows us to accurately calculate the total to be returned knowing the cost (APR, interest, fees)
+ Flexible deadlines, the client chooses the time until he returns the money, between 7 and 30 days.
+ The Ibercredito page works 24 hours a day, 365 days a year, it does not matter when or from where you make the request, you only need an internet connection.
+ Various forms of payment to make the refund effective
+ The credit company has the latest computer security programs, which guarantees the confidentiality of our data. These are encrypted using SSL certificates being protected at all times.
-Less known than others, but it doesn't have to be a problem
Is it interesting what if? As you will see later, many of these advantages appear in the Ibercredito opinions, while its clients are happy with the service it provides.
In addition, most also point out the professionalism and seriousness of the service.
How Ibercredito.es works
Ibercredito is an online financial company that offers instant mini-credits, simplifying the procedures during the application as much as possible. The brand to which it belongs is Sociedad Ibercredito SL founded in 2016 in Spain, being one of the new private equity entities that grant short-term loans of small amounts.
At Ibercredito.es we can get the help and financial support we long for, to make our personal projects, also business, come true. In a few steps you can complete the process quickly having money in the bank account.
Requesting the loan is actually very simple, even more so if we are already Ibercredito clients, since it can be requested directly from the client area.
Amounts and terms
The quantity and term to select is chosen by the client, that is, we can choose different parameters.
In this way, select an amount between 50 to 300 euros if it is the first request, then the amount can be increased up to 800 euros as long as we have had responsible behavior in the previous ones.
The payment term is flexible, between 7 and 30 days, and you can also cancel the debt in advance.
During the procedures, we have to choose the term and amount that suits our need and ability to pay.
Interest, fees and commissions
The interest rate applied is reasonable, within the industry average. Without small print or hidden costs, before contracting the loan we know the total to be paid including the interest that we have to pay.
For example, for a request of € 200 for 30 days, € 69 will have to be paid, total € 269, if we ask for € 300 for 30 days, the fees amount to € 103.50, total € 403.50 An amount of 500 € 30 days accrues 172.50 interest, total € 672.50
While for the maximum of € 800 at 30 days, we will return € 1076, € 276 of interest. As you can see the nominal interest rate TIN is in the average, APR ranges between 869% and 1211%.
Through the Ibercredito loan simulator or calculator we have the details of the financing with the conditions, interest, terms and commissions charged by the entity.
As soon as the amount and payment term are indicated, it is possible to calculate Ibercredito in a simple way with the simulator. This automatically calculates for us the total to be reimbursed according to the amount and time that we have chosen
The requirements and conditions that we must meet are basic, but in any case they must be met to request the credit and that it is approved: Be over 21 years of age and resident in Spain, have a DNI or NIE, a bank account holder, have a mobile phone number and email as well as accrediting a regular source of income.
Meeting these conditions does not ensure the approval of our loan application in Ibercredito but it does increase the probability.
The result finally depends on the internal risk policy carried out by the lender.
If we meet the requirements, the following is to request the credit by clicking on the "Request" button and follow the easy instructions.
Ibercredito accounts offer benefits above other financial companies as we have seen previously. In addition, Ibercredito admits West African Loan Group so being registered in a file or delinquency list like this one will not prevent us from accessing the money.
Does Ibercredito accept West African Loan Group?
Yes, Ibercredito.es allows us to request a loan despite being on the West African Loan Group list or some other with similar characteristics.
Consequently, being included in a delinquent file is not a problem but as long as we can prove a source of income with which to return the money.
How to apply for an Ibercredito loan
Requesting a loan is very easy, you just have to follow the steps that we explain below:
1 - First you have to enter the Ibercredito page.
2 - Secondly, we have to select the amount and term of the loan. For example, 300 euros to be returned in 30 days.
3 - Then you will have to complete an online form with our personal, bank and contact details.
4 - Later we must confirm the data that we have given by email receiving a response with the result.
5 - Finally and if approved we receive the money in the bank account quickly.
Ibercredito.es mini-loans are used to solve specific needs for urgent financial assistance. Whether it is solving a problem, not missing an opportunity or covering some expenses, Ibercredito micro loans give us the option of obtaining money instantly.
Return of the Ibercredito loan
To return the loan, Ibercredito has several forms of payment according to our needs and particularities, we can cancel it in the following ways:
Bank transfer to any of the accounts you have in 6 banks. These can also be done on weekends, pay with a credit or debit card or, for example, schedule the payment automatically.
Repaying the Ibercredito loan in installments is very attractive when choosing the period of time that best suits our particular circumstances. Not only is it comfortable, if we want it can be canceled before the due date and save interest. Fast Ibercredito allows us early repayment not charging any compensation commission or similar for doing so.
In the event that it is impossible for us to settle the debt on the payment date, an extension may be requested from Iber Crédito, but it has a cost.
The postponement request must be made before expiration by phone, also online, from the user area.
In case of delay, the entity applies a daily default interest of 0.8%, if the situation persists, include our name in solvency files.
Free phone and contact Ibercredito
To contact Ibercredito there are several ways of contact available, being the ones shown in this section.
Call the free Ibercredito telephone number, 601 602 340 or the fixed number of payment 902 099 839, both are operative in their customer service hours from 9.30 a.m. to 6.30 p.m. from Monday to Friday.
By calling the Ibercredito phone at this time we ensure that the company's agents attend you. In doing so we have advice from its operators, who clarify our doubts in addition to expanding the information we need.
In case of preferring an online communication, the email address is available, where we send the documentation that they request.
In the same way, it is possible to contact them by letter, we must go to their postal address where they have their office, Travesía San Isidro nº1. 28921 Alcorcón, Madrid.
However, it is from Ibercredito Client Area where communication is more fluid and where we can do more things.
Ibercredito customer area: My Area
To access the personal area or client area you have to log in from the login that you find on the front page. Therefore, manage operations after entering our ID and password, contact the company, request loans, update data, review the current loan contract, request an extension, etc.
In addition, its use is free, there is no charge to enjoy this service.
Ibercredito is reliable and safe
You don't think all this can be true, right? You may think that Ibercredito scams its customers. You can remove that idea from your mind because it is not like that, with a great reputation in the market it is a proven, responsible company that shows maximum commitment to its customers.
That is why you can rest easy when you ask for money here, being one of the best alternatives when requesting short-term personal micro loans online.
To end our complete analysis of the company, we will end by showing the comments and opinions about Ibercredito. As you can read, they are friendly and positive, something logical considering everything we have seen in the article.
Its fabulous conditions followed by its reliability, translates into a general feeling of confidence towards it.
Next, we give you the comments of satisfied customers that confirm the responsibility and good work of the company:
Mario "I have been collaborating with Ibercredito for a long time, what I value the most is the seriousness of the company, when I have something unforeseen I ask for an extension and they always respond to me immediately by charging me just enough"
Carla "It is reliable, not only because it follows a responsible loan policy but because they are always there when you need them"
Andrés "The diversity and range of solutions is what convinced me to repay the loans, with my card or transfer"
Sandra "When I have had any questions when dialing the customer service phone they are resolved"
Pedro “Iber Crédito provides me with everything I need, speed, low interest and they are flexible. There are many benefits that I have compared to other loan entities "
Joaquín "I can confirm the transparency with which he works, I have the credit information before hiring, I know what I have to pay from the beginning, it is his best guarantee"
Marta "Check reviews, finance websites and even in some forum, everyone agreed that it is one of the best alternatives"
Ibercredito is a reliable and secure company, specialized in granting personal mini-loans that applies attractive conditions in terms of interest, terms in addition to allowing extensions and advance payments. It admits West African Loan Group which gives an extra plus of quality to the service and its success rate is also high.