Free fast loans without interest and without commissions

List of interest-free loans with the first free credit

Below we show you a complete and updated list of fast loans and mini-credits without interest or commissions that can be obtained for free and at 0% interest .

Credit Maximum quantity and term characteristics
That good
Since
0%
APR
200 € from 1 30 days from 1 day
  • First loan at 0%
  • Savings with early cancellation
  • Money in 10 minutes
  • No need to send documentation
More info See Offer
Free first mini-credit Entity: QuéBueno Maximum first loan: From € 1 to € 200 Return period: From 1 day to 30 days Response time: Minutes Time to obtain the money: 10 minutes Is the first credit free? YES Cost: € 200 30 days: € 0
(APR 0%)
Characteristics and requirements: No payroll No endorsement Credit Checker not accepted Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? NO Ways to receive the money: Bank transfer
Vivus
Since
0%
APR
€ 300 from 50 30 days from 7 days
  • Free first loan
  • Money in account in 15 minutes
  • Possibility of extension with cost
  • Has Instantor
More info See Offer
First free credit in 15 minutes Entity: Vivus Maximum first loan: From € 50 to € 300 Return period: From 7 days to 30 days Response time: 15 minutes Time to obtain the money: Between 24 / 48h Is the first credit free? YES Cost: € 300 for 30 days: € 0
(APR 0%)
Characteristics and requirements: Without payroll Without endorsement Does not accept Credit Checker Minimum age: 21 years Does it allow early cancellation? YES Is there a possibility of an extension? YES, 7, 14 or 30 days (Expenses: Interest generated) Ways to receive the money: Bank transfer
Moneyman
Since
0%
Maximum APR
3.113%
Accept Credit Checker
400 € from 100 62 days from 5 days
  • First mini-credit € 300 free for 30 days
  • Up to € 400 to be returned in 62 days with cost
  • Cost extension options
  • Response in 15 minutes
More info See Offer
€ 300 to 30 days without interest Entity: Moneyman Maximum first loan: From € 100 to € 400 Return period: From 5 days to 62 days Response time: 15 minutes Time to obtain the money: Between 15 minutes and 48 hours The first credit is free? YES
€ 300 for 30 days
Cost: € 400 for 62 days: € 198
(APR 0%)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES, 7, 14, 21 or 30 days (Expenses: Fees) Ways to receive the money: Bank transfer
Mediators and intermediaries who process free loans
Crezu
APR
According to entity
Accepts Credit Checker
€ 300 from 100 90 days from 61 days
  • First € 300 free according to final entity
  • Required monthly income
  • Immediate response
  • Is an intermediary
More info See Offer
First credit up to 300 € Entity: Crezu Maximum first loan: From € 100 to 300 € Repayment period: from 61 days to 90 days Response Time: 15 minutes Time to get the money: Immediate by banks if 24 / 48h Does first credit is free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Costs generated) Ways to receive the money: Transfer or card
Microcredits24es
APR
According to entity
Accepts Credit Checker
750 € from 50 90 days from 60 days
  • First € 300 free according to final entity
  • Easy approval mini-credits
  • No paperwork
  • Instant response
  • They are mediators
More info See Offer
Up to € 750 even with Credit Checker Entity: Microcreditos24es Maximum first loan: From € 50 to € 750 Repayment period: From 60 days to 90 days Response time: Minutes Time to obtain the money: 48 hours Is the first credit free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Fees generated) Ways to receive the money: Transfer
Prestamon
APR
According to entity
Accepts Credit Checker
€ 1,000 from 100 120 days from 91 days
  • First € 300 free according to final entity
  • No additional costs
  • In 15 minutes
  • Is an intermediary
More info See Offer
Personal loan up to € 1,000 Entity: Prestamon Maximum first loan: From € 100 to € 1,000 Repayment period: From 91 days to 120 days Response time: 15 minutes Time to obtain the money: 24 hours Is the first loan free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Interest generated) Ways to receive the money: Transfer
SunCredit
APR
According to entity
Accepts Credit Checker
€ 1,000 from 100 120 days from 91 days
  • First € 300 free according to final entity
  • Required minimum income
  • Response in 15 minutes
  • They do not grant loans directly
More info See Offer
First loan up to € 1,000 Entity: SolCrédito Maximum first loan: From € 100 to € 1,000 Repayment period : From 91 days to 120 days Response time: 15 minutes Time to obtain the money: From 2 to 24 hours Is the first credit free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Fees generated) Ways to receive the money: Bank transfer
Pezetita
APR
According to entity
Accepts Credit Checker
€ 1,000 from 100 90 days from 61 days
  • First € 300 free according to final entity
  • Response in minutes
  • Few requirements
  • It is an intermediary does not grant loans
More info See Offer
Up to € 1,000 regardless of Credit Checker Entity: Pezetita Maximum first loan: From € 100 to € 1,000 Return period: From 61 days to 90 days Response time: Minutes Time to obtain the money: 48 hours Is the first credit free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Costs generated) Ways to receive the money: Transfer
AndaCredit
APR
According to entity
Accepts Credit Checker
€ 1,000 from 100 90 days from 61 days
  • First € 300 free according to final entity
  • Money in account or in cash
  • They function as mediators
  • They do not charge for the service
More info See Offer
Up to € 1,000 in 5 minutes Entity: AndaCrédito Maximum first loan: From € 100 to € 1,000 Return period: From 61 days to 90 days Response time: 5 minutes Time to obtain the money: Immediate according to banks but 24 / 48h Does the first credit is free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Interest generated) Ways to receive the money: Bank transfer
Credit Party
APR
According to entity
Accepts Credit Checker
€ 1,000 from 100 90 days from 61 days
  • First € 300 free according to final entity
  • Immediate response
  • Money in 2 hours
  • They do not grant loans directly
More info See Offer
Loan up to € 1,000 instantly Entity: Fiesta Credit Maximum first loan: From € 100 to € 1,000 Repayment period: From 61 days to 90 days Response time: 15 minutes Time to obtain the money: 24 hours Is the first credit free ? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Interest generated) Ways to receive the money: Bank transfer
Hello money
APR
According to entity
Accepts Credit Checker
€ 1,000 from 50 31 days from 5 days
  • First € 300 free according to final entity
  • Necessary ID and mobile
  • Is a mediator does not grant loans
  • Possibility of extension
More info See Offer
Up to € 1,000 in 31 days Entity: HolaDinero Maximum first loan: From € 50 to € 1,000 Return period: From 5 days to 31 days Response time: 15 minutes Time to obtain the money: 15 minutes if banks coincide but 24 hours . Is the first credit free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 21 years Does it allow early cancellation? YES Is there a possibility of an extension? YES, 30 calendar days (Expenses: Interest generated) Ways to receive the money: Bank transfer
Misolvency
APR
According to entity
Accepts Credit Checker
€ 10,000 from 50 5 years from 5 days
  • First € 300 free according to final entity
  • Advisory service
  • Few requirements
  • Allow extension
  • Custom offers
More info See Offer
They compare options in minutes Entity: Misolvency Maximum first loan: From € 50 to € 10,000 Return period: From 5 days to 5 years Response time: From 15 minutes Time to obtain the money: From 10 minutes Is the first credit free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: With cost) Ways to receive the money: Transfer
Infocredy
APR
According to entity
Accepts Credit Checker
€ 10,000 from 100 5 years from 30 days
  • WARNING: This entity is charging a commission of € 39.90 just for the service
  • First € 300 free according to final entity
  • Personalized loans according to profile
  • Debt negotiation
  • They are intermediaries, they do not grant loans
More info See Offer
WARNING: This entity is charging a commission of € 39.90 only for the service They charge a fee of € 39.90 for the service Entity: Infocredy Maximum first loan: From € 100 to € 10,000 Repayment period : From 30 days to 60 months Response time: 15 minutes Time to get the money: 48 hours Is the first credit free? YES Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Costs generated) Ways to receive the money: Transfer
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As can be seen, options to get a free credit exist . Even so, it is always advisable, before launching to request any loan, to inform yourself in depth and compare between all the available alternatives. Always read the fine print and discuss with an expert those parts of the contract that are not understood, you will avoid surprises and make it more likely that our experience with the financial institution will be satisfactory.

Check our list of FREE Credits (No interest and No commissions)

Are there really interest-free loans?

girls jumping

This is the first question that appears in anyone's mind when they receive the information that there are entities capable of lending money without receiving anything . A more than logical reluctance, since the figure of the lender has never been characterized by altruism, and make no mistake, in this case, it is not the desire to help that motivates them to launch such offers.

To a large extent, this lack of confidence is given by many companies that, using an attractive facade, have created a series of products, which then have a series of hidden charges in the small print of the contract.

When the dreaded commissions appear - be it due to opening costs, cancellation, study or any other reason - clients end up feeling cheated, since what advertising had presented as a highly advantageous product, turns out not to be so much.

Does this mean that interest-free loans are a hoax? Absolutely. They are real and without cheating, but evidently, there is a reason for their existence. In general, free credits are part of the policy of financial institutions to increase their market share, and these operations take place under very specific conditions.

Loans and interest are two sides of the same coin that we have always believed inseparable. However, we must not forget that interest is the price received for a loan money , and therefore, as would happen in the case of any other product, the lower this price, the more attractive the price will be for the consumer. acquisition of said product.

Becoming attractive to the consumer is, in short, the origin of a financial product that a priori seemed unthinkable a while ago: interest-free loans without commissions .

With increasingly fierce competition between banks and financial institutions to attract customers, launching irresistible offers that attract potential new customers is a very efficient way to create a first bond of trust and develop a relationship that can be extended in the long term.

The target audience for these promotions is the group of people with a pressing liquidity problem that can be solved with small amounts. Today there are already enough entities that in less than 15 minutes make it possible to obtain a loan at 0% interest (0% APR) and for which the exact same amount that was loaned is finally returned.

In short, there is no trap behind offers from entities that lend money for free. There are no fine print or hidden fees . There is simply a business strategy that aims that certain people who have specific needs for money, can satisfy it through their specific company, and as a way to achieve this, they offer a promotion that is difficult to resist.

Here are some tips for you to get a free loan with all the guarantees:

  • Compare all financing alternatives,
  • Inform us and read carefully the fine print of the contracts,
  • Check that the APR is equal to 0% and there are no hidden fees,
  • Seek the opinion of an advisor who answers our questions.

Free loans, how interest-free credits are born

The progressive increase in the demand for borrowed money and the great acceptance of fast online loans are the main reasons why more and more financial entities and companies dedicated to this sector appear every day.

Faced with such demand and with the large increase in supply, many of them have been forced to innovate to attract customers, one of the ways they have chosen to distinguish themselves from the competition is to offer loans at no cost, thus free quick credits arise without interest or commissions .

These credits usually consist of small amounts of money (hence they are popularly known as mini-credits or microcredits ), normally they range between 300 and 800 US dollars depending on the company in which we request the loan.

These loans are very useful to get out of some occasional trouble or to face a situation that appears in an exceptional way. And it is that, although it seems paradoxical, the exceptionality ends up being part of our life at one time or another, and that circumstance is where this product has its reason for being.

Interest - free loans are completely free since they do not include expenses of any kind (0% APR) . It is convenient to pay attention when signing the conditions of the loan that we contract, that even if it does not have interest (0% TIN) it may cause us additional expenses or commissions that we have not taken into account despite being included in the conditions of the contract, possibly in the fine print .

The credits without commissions are offered both by banks and by private equity companies and even by financial services of different types. In all cases the recommendation is to read the conditions before contracting the loan .

We must bear in mind that financial companies and banks that offer these products do not keep loans at 0% permanently , even becoming part of a covert advertising campaign to increase the number of clients in a timely manner.

That is why given the large number of interest-free loan offers available in the financial market, and as a result of the speed with which changes in their conditions are going to occur, we need to compare the largest number of loans and their conditions in real time .

Of course, from the point of view of the credit recipient, you have to make sure you do things well so that what a priori is a magnificent opportunity, does not become a problem. It must be taken into account that the free status will only be preserved if the requested amount is returned within the agreed period , and that in case of breach of said condition, it would be necessary to face quite high expenses.

Therefore, it is necessary to be very clear before requesting it, that the mini-credit will be able to be returned without any problem within the expected period. In most cases we refer to a period of about 30 days, although it is increasingly common to find lenders who offer us interest-free loans that allow us to repay in installments .

Free loans, what do you offer me?

This type of loan free of charges, offers us a 0% interest rate without expenses or commissions , for which we will only have to return the same amount that we request, being able to get that amount that we need so much completely free .

Among its main benefits, free loans offer us:

  • Online process without paperwork,
  • They do not apply any interest rate,
  • No opening or processing fees,
  • Immediate response,
  • Availability of money in hours,
  • They do not ask for payroll,
  • You do not need an endorsement,
  • They support Credit Checker.

All of them characteristics that make this type of financing the perfect solution when we need to get money urgently. It allows us to obtain a quick loan with flexible conditions, and also allows us to avoid having to pay expenses or commissions of any kind for its contracting .

When is a loan really free?

Free quick loans sometimes hide hiring expenses or commissions that should be taken into account before hiring. In addition, it is convenient that we pay attention to the financing conditions that they offer us and confirm that they are not going to apply other management fees.

For a loan to be free, the APR and TIN applied will equal 0%

In any case, it is necessary that we make sure that we can comply with all the clauses of the contract. Otherwise, one of the following commissions may apply to us:

  • Commission for modification of conditions or for change of guarantees : when the initial financing conditions change, we assume the payment of commissions in various concepts to modify our initial contract or carry out new risk studies,
  • Commission for delay : we must be aware that the breach of any of the conditions of the contract with the credit institution will lead us to have to assume high interests. In relation to the delay in the payment of the credit, the usual thing is to assume an average interest rate of 1.1% for each day of delay,
  • Commission for early cancellation or reimbursement : quick credits that have short repayment periods (less than one year) may not charge commissions greater than 0.5% of the amount repaid in advance,
  • Other commissions : before the imminent signing of a certain loan, it is advisable to review all the conditions in which we contract the financing, and assess the possible commissions related to the loan in question.

It is advisable to read carefully all the information contained in the contract before signing and returning it to the financial institution, which once received proceeds to send the money immediately.

Why don't we pay interest on the first loan?

The interest-free loans that we can contract through the internet, are normally aimed at new clients. This is due to a reclamation tactic used by many of the lenders that operate in the sector to retain new customers .

This claim enables us to currently have at our disposal a long list of companies that grant free loans to their clients, just for the mere fact of being their first request.

We can use this in our favor, and get that loan we need in the best conditions without interest, commissions or any other type of connection .

How to apply for a free loan without commissions?

computer

When we need money urgently to solve economic unforeseen events, the best solution is to request an interest-free loan . If we have not yet decided which credit without commissions is best for us, it is best to compare the offers of free loans available in the market.

We will be able to choose from a wide variety of quick mini loan offers even in the case of appearing on delinquent lists such as Credit Checker .

Hiring interest-free loans is a very simple and safe process that we carry out online. Once we have chosen the mini-credit that we want to contract, we will access the online contracting form and we will provide our personal and bank details required to formalize your request.

Once the request has been sent, you will have to wait for the response from the credit institution, which after verifying the authenticity of the data and checking our level of solvency , will respond to our request in a few minutes .

In case of granting the credit, the usual thing is that we can have the money in our account in less than 24 hours.

Requirements to apply for a free first loan

banknote reflection

The requirements to apply for a quick, interest-free loan will be more or less strict depending on the risk policy of the financial entity or company to which we apply for the loan.

To process the application for a free loan, as a general rule, we must meet the same requirements as if it were a conventional loan and in most cases they are the following:

  • New clients : fast interest-free loans are usually offered as a special promotion in the form of a free first loan for new clients, since they are a very attractive hook. Faced with the claim of such a tempting offer, these companies are contacted by a large number of people, many of whom will become repeat customers when they need financing again.
  • Applicant age : In order to apply for a 0% loan, we must be 18 years old. However, each financial institution sets the minimum and maximum age range of the applicant as it deems most appropriate. On many occasions, the minimum age range is set between 21 and 25 years and the maximum between 60 and 75 years,
  • Place of residence : It is an essential requirement to be a Spanish resident to be able to access a mini loan,
  • Income level : To request any type of financing we must demonstrate that we have fixed income that allows us to face the repayment of the loan. It is possible to access a 0% mini-credit without payroll, in any case the regular source of income that we accredit can come from a pension, aid or recurring unemployment benefit,
  • Not be included in any list of defaulters : Although being included in a list of defaulters reduces our financing possibilities in general, there are financial companies that grant free fast loans with Credit Checker.

These are the most common requirements requested by most banking and financial entities when processing a loan application without fees . If we meet the requirements, we will have no problems getting financing.

Do we need a guarantee or payment guarantee?

In order to access this type of loan, it will be necessary to comply with the application requirements set by the credit institution to which we direct our request, among which the need for a guarantee or payment guarantee does not appear , provided that we prove that We have enough regular income to face the return of the payment without problems.

In cases where we cannot accredit this income , credit institutions may ask us to provide a guarantee of payment or endorsement , although this is not a common requirement for this type of loan.

Is it possible to get a free loan with Credit Checker?

Competition in the sector has motivated companies to be more flexible in terms of their application requirements, and adapt their loans to all types of clients, regardless of whether or not they are registered in delinquency lists.

De este modo es cada vez es más habitual encontrar ofertas de préstamos con Credit Checker , entre las que podemos encontrar condiciones de financiación para el primer crédito nuevo gratis y sin comisiones.

Por tanto, si necesitas pedir un crédito gratis y estás en Credit Checker , no tienes por qué preocuparte porque no habrá impedimentos para encontrar el crédito que necesitas.

¿Qué documentación necesito para solicitar un préstamo rápido al 0%?

La gestión de préstamos gratis online se caracteriza por llevar a cabo la tramitación de los préstamos sin comisiones de manera ágil y sin papeleos . En el caso de los préstamos sin intereses con un 0% TAE , únicamente necesitaremos presentar la documentación que acredite que somos solventes y que cumplimos con los requisitos exigidos por el prestamista.

De manera habitual los documentos que deberemos acreditar son los siguientes:

  • Documento de identificación personal (DNI o NIE) : necesitamos verificar nuestra identidad para comprobar que somos mayores de edad y residentes en United States,
  • Documento acreditativo de nuestro nivel de ingresos : justificante que acredite que nuestros ingresos son fijos y podremos hacer frente a la devolución del préstamo,
  • Extracto cuentas bancarias : necesitamos justificar los ingresos y gastos mensuales para que el prestamista pueda evaluar su política de riesgos.

Antes de solicitar un préstamo sin intereses debemos asegurarnos de nuestra capacidad para devolver el préstamo . Aunque hablemos de créditos sin intereses no debemos olvidar que si no hacemos frente al pago de su devolución podemos adquirir un sobreendeudamiento que puede traernos problemas. Por lo tanto, es importante que no olvidemos que tanto el importe solicitado como las cuotas de devolución tienen que ser acordes con nuestro nivel de ingresos .

A continuación te recordamos que requisitos necesitas cumplir para solicitar un préstamo sin intereses:

  • Tener más de 18 años,
  • Residencia en United States,
  • Ingresos fijo.

Sin importar que:

  • No tengas nómina,
  • Estes registrado en Credit Checker.

Préstamos gratis a devolver a plazos

Aunque la mayoría de los préstamos del mercado nos ofrecen plazos de devolución de 30 días, cada día es más habitual encontrar préstamos a plazos al 0% de interés qué nos permiten devolver el dinero en cómodas cuotas . Así por ejemplo, algunas compañías aumentan el plazo de devolución hasta en 6 meses para préstamos sin intereses de hasta 300 US dollars .

En el caso de HolaDinero el plazo de devolución es de hasta 100 días para préstamos sin intereses ni comisiones destinados a nuevos clientes de hasta 500 US dollars . Otras compañías ofertan préstamos gratis de hasta 300 US dollars a devolver en 60 o 182 días respectivamente.

Disponer de créditos rápidos sin intereses a devolver en plazos supone una ventaja añadida a este tipo de préstamos online sin gastos , ya qué el hecho de contar con más tiempo para realizar el reembolso del crédito nos permitirá un mayor desahogo en nuestros gastos diarios.

¿Es fiable pedir un préstamo gratis?

Si necesitas un crédito online, internet te ofrece una gran oferta de préstamos gratis que podrás contratar de manera completamente rápida y segura.

Solo tendrás que asegurarte de acudir a una entidad reconocida , y tener en cuenta que el préstamo es gratis siempre que cumplamos con el pago de su devolución en el plazo fijado en nuestro contrato.

Este tipo de crédito puede originarnos una deuda importante, si no pagamos a tiempo. Por ello, para pedir un crédito sin intereses es fundamental estar seguros de que podremos pagar en el plazo convenido con la entidad de préstamos.

En este sentido es fundamental leer los términos y condiciones de su financiación, antes de su contratación.

Para ampliar más información sobre este tema te aconsejamos la lectura de nuestro blog acerca de cómo saber qué un préstamo es fiable en nuestro Blog, en el que encontrarás pautas y consejos para detectar estafas y préstamos falsos en internet.

¿A qué se destinan habitualmente este tipo de préstamos?

El uso más frecuente al que se destina la solicitud de este tipo de financiación es resolver imprevistos , que requieren de una inyección urgente de liquidez para nuestros bolsillos.

Nos referimos a situaciones como la avería de un electrodoméstico, tener que llevar al coche al taller, o el pago de una factura con la que no contábamos entre otros.

Aunque también los solicitamos para financiar algunos proyectos o estudios, asumir gastos médicos como el dentista, o simplemente darnos algún capricho con una compra o un viaje .

All of them expenses associated with not too high sums of money that we can get immediately for free.

Real advantages of free and interest-free credits

Interest-free mini-credits , personal loans for consumption or interest-free credit cards are the free loans most used among consumers. The main advantage is the absence of commissions or interests . However, we must be careful and read the conditions of the credit that we contract since sometimes the lender may charge us management fees .

Some of the most characteristic advantages of free loans are the following:

  • No interest or commissions : We only have to make the return of the requested amount within the term and they will not charge us any commission. We will only pay the amount they loaned us. This is the main advantage of fast 0% mini-credits,
  • No paperwork or documentation : Online processing facilitates the usual application management procedure. In a more efficient and simple way for the client, the lender will evaluate our loan application without having to ask us to send the documentation,
  • Without payroll : It is a reality that we will be able to request an interest-free loan without payroll. In order to access financing, we will have to prove that we have regular income, but this does not have to come through the collection of a payroll. Most of the financial companies grant free microcredits proving the collection of a pension or unemployment benefit,
  • Without endorsement : We will not need a third person to take charge of the loan payment in case of not being able to return it. None of the fast credit companies will ask us for a guarantee,
  • Payment facilities : If for any reason we cannot make the payment, the entities will offer us facilities to make the return. Some of them admit extensions or other forms of payment that can help us repay the loan,
  • Credit Checker accepted: There are fast credit entities that will grant us an interest-free loan even if we are in ASNEF / RAI, some even accept up to $ 2,500 of debt. Normally they grant it to us if the debt is not related to the non-payment of a loan. This is an advantage especially for those who are on a list of defaulters because they have been able to face an invoice.

In any case, each financial institution will have its own conditions and advantages included in the conditions of the interest-free loan that we contract.

What are the consequences of not repaying a loan without interest?

The first thing we have to do before requesting an interest-free loan is to make sure that we can repay the requested amount. Failure to return a free credit on time can bring us many headaches.
Among the most important consequences are:

  • Interest on late payment: If we have not paid on time, this type of interest will be applied to us,
  • Include us in Credit Checker or similar : If during a month we do not cover our debt, the company can enroll us in a list of defaulters such as Credit Checker, RAI or FICO. If they include us in any of these platforms, the possibility of requesting a loan again is considerably reduced and we will only be able to access loans that accept clients in Credit Checker ,
  • Debt claim fees: Failure to pay generates debt claim fees. The amount depends on the entity in which we have requested the loan,
  • Claim payment of the debt through the courts : The worst that can happen to us and this is the last option that credit companies use, is to file a complaint in court to recover the amount of the loan and the interest for late payment.

Despite this, many of these companies allow us extensions or other postponements so that we do not have to resort to the previous options. Some even have methods to make the payment adapted to the client's profile to facilitate the repayment of the loan.

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Comments and opinions

Maria Del Pilar 04/14/18
Hello, I would like to request a loan of $ 150 to be repaid in 30 days.
regbiomed.com 04/17/18
Hello María del Pilar, there are a wide variety of entities that offer the type of loan you are looking for such as Wonga, Ferratum or Vivus, you can find them in our list of loans.
Antonia cabrera Almonte 02/05/20
I would like to be able to request a loan without much interest of 3,000 US dollars right now the company where I work is in an Erte I would like to know how I could request it and if I apply for the same
RegBio Loan 04/05/20
Hello Antonia, for the amount you need you can look at our installment loans page, in the list you can find different entities with the terms and interest offered by each one of them. If you need help, or want us to inform you better, you can contact us by filling in the contact form, through our chat from Monday to Thursday from 10am to 7pm and Friday from 10am to 3pm, or by phone 91 060 85 48 .

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Financing through online loans

Fast loans The best information we can find on the internet about fast online loans and the entities that grant them.
Personal loans Complete and updated list of online personal loans of up to 50,000 US dollars with flexible installments and without changing banks.
Loans without payroll Fast online credits in which we will not be required to have a payroll as an essential requirement for approval.
Loans without endorsement Quick personal loans that do not require any type of property (home, car, premises, ... etc.) as collateral.
Instant mini-credits Online mini-credits with which you can get money instantly without paperwork and without unnecessary paperwork.
Interest-free credits Updated collection of all online loans without interest or commissions that we will get free and at 0% interest.
Paperless credits Quick loans without paperwork with 100% online processing and in which they will ask us for few requirements and minimal documentation.
Cards of easy approval Selection of credit cards easy to obtain with online contracting and without the need to change banks.
Loans with Credit Checker Valuable list of urgent credits that accept Credit Checker indicated to solve difficult situations, whether or not we have a payroll.
Urgent credits Online credits with immediate response that will allow us to obtain money with very few requirements and practically on the spot.
Debt reunification Unifying multiple loans into one allows us to refinance outstanding debts and reduce our monthly payment.
Loan for your car We will obtain credit with the car as a guarantee or guarantee and we will continue driving our vehicle while we enjoy the money.
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