Loans with Credit Checker

Quick loans that you can get online by being in Credit Checker

List of loans with Credit Checker that you can request regardless of Credit Checker, FICO or RAI and get quick money regardless of payroll ( with payroll and without payroll ), without endorsement and without property (except for difficult loans). These financial entities grant urgent credits with Credit Checker to solve unforeseen events and get out of difficult situations.

As an alternative, we offer you the possibility of managing your withdrawal to help you exit Credit Checker within a period of approximately 48 hours.

USE THE SEARCH FILTERS TO FIND THE LOAN YOU NEED
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Loan Quantity and term Terms
Fidinda
Since
79.8%
Maximum APR
85%
€ 5,000 from 500 2 years from 3 months
  • Supports Credit Checker if you have a fixed payroll
  • No endorsement is necessary
  • Quick installment loans
  • Recurring income
  • Open credit line
More info See Offer
Installment loans up to € 5,000 Entity: Fidinda Maximum first loan: From € 500 to € 5,000 Repayment period : From 3 months to 24 months Response time: 15 minutes Time to obtain the money: 1 hour Is the first loan free? NO Cost: € 5,000 for 24 months: € 3,654.92
(APR 79.8%)
Characteristics and requirements: With payroll Without endorsement Accepts Credit Checker Minimum age: 25 years Does it allow early cancellation? YES Is there a possibility of an extension? Yes, possibility of grace period for a month (Expenses: Interest generated) Ways to receive the money: Bank transfer
Mini-credits with Credit Checker (Easy approval)
Prestamer
Since
350.4%
Maximum APR
6,500%
300 € from 50 21 days from 5 days
  • Never mind Credit Checker
  • Without payroll and without endorsement
  • Immediate money once approved
  • The service works 24 hours a day
  • Approve up to 90% of applications
More info See Offer
Loans with easy approval Entity: Lender Maximum first loan: From € 50 to € 300 Return period: From 5 days to 21 days Response time: Minutes Time to obtain the money: Between 1 hour and 48 hours Is the first credit free ? NO Cost: € 300 to 21 days: € 69
(APR 350.4%)
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, in 7, 14 or 21 days (Expenses: Accrued interest) Ways to receive the money: Bank transfer
Moneyman
Since
0%
Maximum APR
3.113%
Free / No interest
400 € from 100 62 days from 5 days
  • Never mind Credit Checker
  • Without payroll and without endorsement
  • 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
Fianceo
Since
199%
APR
€ 1,000 from 100 18 months from 1 month
  • Never mind Credit Checker
  • No payroll
  • Few requirements
  • Money in 24 hours
  • Cheaper with early cancellation
More info See Offer
Up to € 1,000 with solidarity guarantor Entity: Fianceo Maximum first loan: From € 100 to € 1,000 Repayment period : From 1 month to 18 months Response time: 24 hours Time to obtain the money: 24 hours Is the first loan free? NO Cost: € 1,000 to be returned in 18 months: € 1,132.64
(APR 199%)
Characteristics and requirements: Without payroll With endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? NO Ways to receive the money: Transfer
Credit Checker loans using a vehicle as collateral
Gedescoche
APR does not apply
(Rental fee)
50% vehicle value 10 years from 30 days
  • Accept Credit Checker with a vehicle as collateral
  • No payroll
  • 50% rating car guide Ganvam
  • We keep using it for a fee
  • Paid car and less than 10 years old
  • Vehicle changes ownership
More info See Offer
Up to 10,000 with vehicle guarantee Entity: Gedescoche Maximum amount: From € 800 to € 10,000 (50% vehicle value) Payment method : From 30 days to 10 years Response time: Less than 24 hours Time to obtain the money: 24 hours ¿ Is the first credit free? NO Cost: Rental fee
(APR% Not applicable)
Characteristics and requirements: Without payroll With endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES, 0%. Is there a possibility of an extension? YES (Expenses: Interest generated) Ways to receive the money: Bank transfer
Loans with Credit Checker and endorsement
Capital Loan
Since
fifteen%
Maximum APR
twenty%
40% property value 15 years from 1 year
  • Accept Credit Checker with a home as collateral
  • No payroll
  • Signature before a Notary
  • Free study
  • Intermediation service
  • Few requirements
More info See Offer
Private equity loans Entity: Capital Loan Maximum amount: From € 15,000 to 40% property value Repayment period: From 1 year to 15 years Response time: 24 hours Time to obtain the money: 3 days Is the first loan free? NO Cost: Not specified
(Variable APR)
Characteristics and requirements: Without payroll With endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? NO Ways to receive the money: Transfer
Sofkredit
Since
3%
Maximum APR
28%
30% home value 20 years from 10 years
  • Accept Credit Checker with a home as collateral
  • No payroll
  • Returns up to 20 years
  • Maximum amount according to appraisal
  • Housing without charges or paid at 80%
  • They manage the loan
More info See Offer
Credit Checker and / or RAI admits Entity: Sofkredit Maximum amount: From € 10,000 up to 30% home value Return period: From 10 years to 20 years Response time: From 1 to 48 hours Time to obtain the money: From 7 to 10 days Is the first credit free? NO Cost: € 15,000 over 5 years: € 11,000
(APR 3%)
Characteristics and requirements: Without payroll With 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
Refinancing debts without mortgage (payment solution)
Repagalia
APR
According to entity
Negotiate debts
  • Never mind Credit Checker
  • Without payroll and without endorsement
  • They negotiate for you with creditors
  • They offer 50% discount on payment
  • Personalized payment plan
  • They charge a commission based on savings
More info See Offer
They do not grant credits, they only negotiate the payment of debts Entity: Repagalia Minimum debt: From € 3,000 Payment of the debt: Payment in installments Response time: Variable Time to obtain the money: No credit is granted Is the first loan free? NO 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? NO Ways to receive the money: Payment plan
Loan brokers and intermediaries with Credit Checker
Kreditiweb
APR
According to entity
€ 50,000 from 100 7 years from 30 days
  • Supports Credit Checker if you have a fixed payroll
  • No endorsement is necessary
  • They use the Swipe Credit app to analyze profile
  • Response in 2 minutes
  • Free advice
  • They function as mediators
More info See Offer
Personal loan up to € 50,000 Entity: Kreditiweb Maximum first loan: From € 100 to € 50,000 Repayment period : From 30 days to 84 months Response time: Minutes Time to obtain the money: 48 hours Is the first credit free? NO Cost: Not specified
(Variable APR)
Characteristics and requirements: With 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
Misolvency
APR
According to entity
€ 10,000 from 50 5 years from 5 days
  • Never mind Credit Checker
  • Without payroll and without endorsement
  • 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
€ 10,000 from 100 5 years from 30 days
  • WARNING: This entity is charging a commission of € 39.90 just for the service
  • Never mind Credit Checker
  • Without payroll and without endorsement
  • Personalized loans according to profile
  • Available 24 Hours
  • 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
Finzmo
APR
According to entity
€ 10,000 from 500 5 years from 91 days
  • Never mind Credit Checker
  • Without payroll and without endorsement
  • Personal loan in minutes
  • Free service
  • Immediate response
  • They function as mediators
More info See Offer
Immediate personal loan Entity: Finzmo Maximum first loan: From € 500 to € 10,000 Repayment period : From 91 days to 60 months Response time: 5 minutes Time to obtain the money: From 15 minutes to 48 hours Is the first credit free ? NO 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
Your fast credit
APR
According to entity
€ 9,000 from 50 5 years from 7 days
  • WARNING: This entity is charging a commission of € 37.99 just for the service
  • Never mind Credit Checker
  • Without payroll and without endorsement
  • Installment loans without paperwork
  • Flexible payments
  • Financial advice
  • They function as intermediaries
More info See Offer
CAUTION: This entity is charging a fee of 37.99 € only for the service to 9,000 € with Credit Checker Entity: Your credit fast Maximum first loan: from 50 € to 9000 € Repayment period: From 7 days to 60 months time answer: On the same day Time to obtain the money: 10 minutes if banks coincide. Is the first loan free? NO 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: Bank transfer
Request24
APR
According to entity
€ 5,000 from 100 42 months from 2 months
  • Never mind Credit Checker
  • Without payroll and without endorsement
  • Urgent mini-loans
  • You get offers of various loans
  • Online mediator
  • Fast answer
More info See Offer
Installment loan with Credit Checker Entity: Request24 Maximum first loan: From € 100 to € 5,000 Repayment period: From 2 months to 42 months Response time: 15 minutes Time to obtain the money: From 15 minutes to 48 hours The first credit is free? NO 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
Zapo
APR
According to entity
€ 1,000 from 50 90 days from 7 days
  • Never mind Credit Checker
  • Without payroll and without endorsement
  • Personalized advice
  • Early cancellation interest savings
  • Available 24 hours
  • Few requirements
More info See Offer
Credits 100% online even being in Credit Checker Entity: Zapo Maximum first loan: From € 50 to € 1,000 Return period: From 7 days to 90 days Response time: 24 hours Time to obtain the money: 48 hours The first credit It's free? NO 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? NO Ways to receive the money: Transfer
Crezu
APR
According to entity
€ 300 from 100 90 days from 61 days
  • Never mind Credit Checker
  • Without payroll and without endorsement
  • Money in account, card or cash
  • 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
750 € from 50 90 days from 60 days
  • Never mind Credit Checker
  • Without payroll and without endorsement
  • 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
Loans online
APR
According to entity
750 € from 50 90 days from 61 days
  • Never mind Credit Checker
  • Without payroll and without endorsement
  • It can be requested 24/7
  • Response in 10 minutes
  • Required monthly income
  • Does not grant loans directly
More info See Offer
Online loans on the spot Entity: Prestamosonlineya Maximum first loan: From € 50 to € 750 Repayment period: From 61 days to 90 days Response time: 10 minutes Time to obtain the money: 10 minutes Is the first credit free? NO 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
Credy
APR
According to entity
750 € from 50 30 days from 1 day
  • Never mind Credit Checker
  • Without payroll and without endorsement
  • Response in minutes
  • Necessary regular income and account
  • It is an intermediary does not grant loans
  • Free online service
More info See Offer
Quick response and with Credit Checker Entity: Credy Maximum first loan: From € 50 to € 750 Return period: From 1 day to 30 days Response time: 15 minutes Time to obtain the money: Before 3:00 p.m. on the same day if It is workable. Is the first credit free? NO 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) Ways to receive the money: Bank transfer
Pezetita
APR
According to entity
€ 1,000 from 100 90 days from 61 days
  • Never mind Credit Checker
  • Without payroll and without endorsement
  • Free online service
  • 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
Credit Party
APR
According to entity
€ 1,000 from 100 90 days from 61 days
  • Never mind Credit Checker
  • Without payroll and without endorsement
  • 100% online and paperless
  • 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
AndaCredit
APR
According to entity
€ 1,000 from 100 90 days from 61 days
  • Never mind Credit Checker
  • Without payroll and without endorsement
  • Fast online loans
  • 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
Prestamon
APR
According to entity
€ 1,000 from 100 120 days from 91 days
  • Never mind Credit Checker
  • Without payroll and without endorsement
  • Money in 24 hours
  • 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
€ 1,000 from 100 120 days from 91 days
  • Never mind Credit Checker
  • Without payroll and without endorsement
  • 100% online process
  • 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
Hello money
APR
According to entity
€ 1,000 from 50 31 days from 5 days
  • Valid with Credit Checker if the debt does not exceed € 1,500, but the debt cannot be bank
  • Without payroll and without endorsement
  • Request in 5 minutes
  • 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
Kapital
APR
According to entity
50% fee reduction 15 years from 1 year
  • Supports Credit Checker if you have a fixed payroll
  • Up to 50% fee reduction
  • Personalized advice
  • Available 24 hours
More info See Offer
Solutions for companies and individuals Entity: Kapital Maximum amount: From € 1,000 to 50% fee reduction Return period: From 1 year to 15 years Response time: From 24 hours Time to obtain the money: From 7 days Is the first credit free? NO Cost: Not specified
(Variable APR)
Characteristics and requirements: With payroll With endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? NO Ways to receive the money: Transfer
Subscribe Online Help

Not sure which loan to choose?

We help you totally free and without obligation to find the credit that best suits your needs.

What is Credit Checker and how does it affect us when applying for a loan?

Credit Checker (National Association of Credit Financial Establishments) is a delinquency file in which our name can be included at the request of a company with which we have an outstanding debt, regardless of the amount of it. The direct consequence is our inclusion in the black list of many companies that work with this type of files, which will greatly restrict our ability to obtain any type of loan , since we are considered, from that moment, clients with a high risk of default. .

Many people think that the fact that their name is registered in Credit Checker or in some other list of defaulters means that from that moment on their chances of obtaining financing are non-existent. However, this is not the case at all. Getting credit with Credit Checker is more complicated than usual but not impossible .

If the amount to be requested is not very high, less than 800 US dollars, we will have many easy-to-grant options in the form of mini - credits with Credit Checker . These will allow us to obtain, without any type of guarantee and in a matter of hours , the money we need with a return period that is usually one month except in the case of an entity that allows us to pay weekly.

Credits with Credit Checker are not conventional loans, they are not intended for families who have in mind to buy a car, a house or an apartment. And they are not aimed at regular customers either, they are small loans designed for those who are registered in a defaulter registry such as RAI or Credit Checker .

On the contrary, if we need a credit for a higher amount and we are included in Credit Checker , our alternatives will be reduced and, in most cases, we must have some guarantee , such as a car or a home that we own, that acts as a guarantee in the event that we cannot return the money.

What are the main reasons for inclusion in Credit Checker?

We can all get to appear on a list of defaulters without having to be insolvent, or bad payers. It will only be enough, with not paying an invoice of any amount and concept on time, and the company or company in question may pass our data to the registry of defaulters. In any case, we must know that in order for a company to include our data in a delinquent file such as Credit Checker, a series of requirements must be met, which are detailed below:

  • There must be a certain debt, which is not paid on time, and in turn is enforceable by the corresponding company or entity . This means that an invoice must exist, have passed its deadline to pay it, and of course it is a requested and enjoyed service.
  • No more than six years will have elapsed from the original date of payment, from the date on which the payment obligation expired , or in the case of a debt with periodic maturity from the specific term that had been set .
  • There will be a request for payment to whom the payment of the debt corresponds . It is necessary that the payment of the debt has been required before its inclusion of our data in a file of defaults.

These requirements are regulated in Royal Decree 1720/2007 of December 21 , which approved the regulations for the development of Organic Law 15/1999 of December 13 , on the protection of personal data .

In any case, the companies or entities that register our data in Credit Checker have the obligation to notify such inclusion within a maximum period of 30 days from the date of registration , providing us with the registration data, so that it is possible for us to do assert our right of access, rectification, cancellation and opposition of these data, if deemed appropriate.

Each debt must be duly notified and sent through an official channel to its debtor . Even if a person has several outstanding debts with the same company, companies are obliged to notify each debt independently . It is important to bear in mind that if a company has proceeded to include our data in Credit Checker without complying with the aforementioned requirements, we could file a complaint with the Spanish Agency for Data Protection .

It may be the case that by mistake a certain company provides our data to Credit Checker in an unjustified manner . In this case, we can contact the file and state our disagreement with what happened, being the Credit Checker who contacts the company that gave rise to the mistake to report the situation. Once we have paid off our debts, we will be able to initiate the appropriate procedures and procedures to eliminate our Credit Checker data .

To do this, it is essential to take into account what steps we must follow to exit the Credit Checker . The sooner we start these procedures, the sooner we will be able to eliminate our Credit Checker data, so accessing credits and financing products will be easier and we will get better conditions.

What is the minimum debt to enter Credit Checker?

Our data may be reported to Credit Checker regardless of the amount of our debt. Therefore, we can become part of a delinquency file, by the simple fact of having a certain, past due, enforceable and unpaid debt less than 6 years old, regardless of its value .

For this reason, when we have unpaid debts for a low amount, it is advisable not to trust yourself. Since regardless of the value of the default, our data may be reported to a delinquent file such as Credit Checker. Any debt, no matter how small, is reason enough to be included in Credit Checker, with its corresponding consequences.

Besides Asnef-Equifax, what other delinquency files are there?

In the case of having debts and defaults, our data may be registered in any of the delinquent files that exist.

Although ASNEF-EQUIFAX (National Association of Financial Institutions) is the registry of defaults best known to all, it is important that we keep in mind that there are other files in which we could be included if we do not face our debts.

Below we show you a table with the name of the entities that manage the main default files . We also provide you with relevant data such as the reason for inclusion in your records or the amount of the minimum amount of debt required in each case.

MAIN PAYMENT FILES
File Reason Minimum
ASNEF-EQUIFAX
(National Association of Financial Institutions)
They include you for not paying bills on time There is no minimum
RAI
(Record of Unpaid Acceptances)
They include you for not paying bills, promissory notes or checks 300 US dollars
CIRBE
(Central Risk Information of the Bank of United States)
Register everyone who has a loan 6000 US dollars
BADEXCUG
(Experian Credit Bureau)
Includes defaulters reported by a creditor There is no minimum
Fij
(File of Judicial Incidents)
Includes those who have debts with the public administration (Treasury, traffic ...) There is no minimum
CIREX
(Experian Information Center)
Solvency monitoring with user consent There is no minimum
Source: The World

If you are interested in knowing what each of these registers is dedicated to, here is a brief summary about the operation and characteristics of each one of them:

  • ASNEF-EQUIFAX : It is an association that collects the data of all the debts that an individual or a company may have contracted. FICO is the company that is responsible for exploiting this data ,
  • RAI : The RAI file is a delinquency file intended for legal persons . That is, they only appear data of high companies or freelancers with debts equal to or greater than 300 US dollars, during a period of 30 months ,
  • CIRBE : The Central Bank of Risk Information of the Bank of United States known as CIRBE or CIR, is a public service that manages the databases that verify all loans, credits, guarantees and risks in general that financial institutions have from their clients . The data declared to CIRBE will be accurate and up-to-date, so that they respond truthfully to the current situation of risks and their holders. It is not a delinquent file as such. Through this body we can request a report that allows us to verify the level of indebtedness of individuals and companies ,
  • BADEXCUG: Badexcug is a delinquency file managed by the Experian Credit Bureau, in which information on payment defaults is collected . The most notable characteristic of BADEXCUG is that the consent of the affected party is not required to carry out the data processing , although they must be informed that they have been included in the file,
  • FIJ: The FIJ or File of Judicial Incidents collects all the debts with the Public and Local Administrations of an official nature ,
  • CIREX : it is a file dependent on the Experian Credit Bureau, for whose inclusion the consent of the users is required. With the intention of providing valuable information for credit institutions, this file is available to the Spanish Association of Microcredits (AEMIP) . In addition, it is characterized by collecting positive credit information from users , endorsing their ability as good payers and proving their solvency.

With the exception of this last file, appearing in any of the aforementioned registries will be a real drag on our financial capacity. Therefore, if we do not want to have a bad credit history, we must ensure that we pay our debts and that our data is removed without problems from the files in which we are registered.

How to get out of a list of defaulters?

The fastest way to get out of Credit Checker is to pay off your debt. Once the amount owed has been paid, the creditor company should order the Credit Checker file to delete the data and update the list of defaulters.

If you do not know the amount you must pay, the first step to return the money owed, will be to contact the creditor company or the file itself to confirm the amount you owe. Once the payment is made, you will be entitled to be removed from the Credit Checker defaulter list.

If you need help to exit Credit Checker and you prefer legal advice and avoid all the formalities, you can go to the Spanish Family Protection Agency with extensive experience in definitive and precautionary cancellation of delinquency files.

How to obtain a loan online with Credit Checker?

Still, showing up on Credit Checker is not the end of our ability to obtain financing. There are several companies that offer loans even to clients who are included in delinquency files .

Normally these companies are characterized by carrying out a risk study which determines whether or not a loan can be granted to that person based on their current resources, such as having a payroll or some other source of regular income, or the guarantees you can offer, regardless of their inclusion in Credit Checker .

The problem is that these companies are a minority and therefore it is advisable to inquire to know which are the companies that grant loans with Credit Checker and under what conditions they do so. Although traditional banks are very strict with the inclusion in delinquency files, - so this method of financing is automatically ruled out -, there are private companies, usually specialized in granting immediate loans without looking at Credit Checker or RAI , which can be the credit solution in case you need a one-off injection of liquidity.

The amounts obtained in this way rarely exceed 1,000 US dollars and therefore are lines of credit that are often used to solve a temporary economic problem, such as having to face a car repair or pay a pending invoice.

They are what is commonly known as mini-credits . The mini-credits with Credit Checker are usually for small amounts but we can always go to other alternative financing formulas . The most common are the pawn of vehicles or go to a loan with a mortgage guarantee for the reunification of debts . It must be taken into account that, with either of these two options, the asset that we use as collateral may be lost and it may not be worth taking that risk if the amount to be requested is minimal or the money that we are going to ask is to solve some very urgent matter.

Without a doubt, one of the easiest and fastest methods of obtaining urgent money are quick credits and mini-credits . These credits have a higher cost than personal credits, but in return they have the advantage that their processing is much faster and easier , and most importantly, Credit Checker is sometimes not an impediment to obtain money immediately since The companies that market them are based for their concession on the solvency situation and not so much on the credit history.

In most cases, it is only necessary to fill out a simple online form and attach some documentation to obtain approval and money at the moment . No personal interviews, questionnaires about how the money will be used, or other cumbersome paperwork are required. The conditions under which entities grant credits online with Credit Checker vary from one to another, but they usually coincide in using the ability to accredit sufficient and regular income as a measure of reliability.

Both a payroll and the collection of a pension or unemployment benefit can be sufficient guarantee, normally they will not ask us to have guarantees or properties, since the amounts provided by these entities are usually modest and can be covered with said guarantee. Another advantage is that, in general, the cost of the loan is known from the moment it is requested, which allows us to have a clear idea of ​​how profitable it is to acquire this commitment. In addition, fast credit and microcredit companies offer different possibilities to return the loan.

Most of them operate with a fixed term that ranges between 30 and 45 days, after which the entire loan must be returned plus the corresponding fees, notified and accepted from the beginning. Companies that grant higher amounts, however, tend to use the traditional quota system, which allows greater convenience, by not having to face the payment in one fell swoop.

However, the main disadvantage of this type of mini loans is that they are granted at a much higher interest than personal loans . It is advisable to compare the conditions and requirements that this type of finance company and finally opt for the one that offers the best service when it comes to solving urgent money needs.

Characteristics of credits with Credit Checker

As these are loans granted to potential risk customers, it would be logical to think that credits with Credit Checker work with more restrictive conditions than ordinary credits. Nothing is further from reality. The companies that grant these loans offer exactly the same conditions to all their clients .

We will not encounter strange clauses or leonine restrictions. We will have the same interests, the same repayment terms, the same time to dispose of the money. It must be taken into account that the companies that offer this service do so as an additional advantage , without implying an added conditioner. Or put differently, these companies are dedicated to granting loans regardless of whether the client's name is included in a delinquency file or not.

The granting or not of your credits is not affected by this condition. Although yes, to qualify for this type of financing it is convenient to have our accounts up to date, since it is almost impossible to find companies that grant money with Credit Checker to people whose debts exceed 1,500 US dollars , and more if it is bank debts . The only solution in cases of difficult loans would be to put our house or our car as collateral, since in this way the lender company has the assurance that in case of non-payment it has the home or the vehicle at its disposal .

Anyway, not all companies grant credits with Credit Checker , so if we are part of a delinquent list, we must first make sure that the company we contact grants them because otherwise we would be wasting our time.

Requirements for quick credits with Credit Checker

As a general rule, two types of requirements will have to be faced: specific and general . The latter are the usual ones that all companies that grant loans with Credit Checker present: of legal age, residence in United States, being holders of a checking account, giving a telephone or contact email and having a regular source of income. Some of these requirements may be more or less strict depending on the company from which we request the loan.

For example, there are some that increase the minimum age to 25 years to qualify for the loan or there are others that require the presentation of a payroll as an essential requirement to justify the source of income . Of course, it is important to influence the status of resident in the United States. Even if we have Spanish nationality, if we do not reside in the country , our credit application will be automatically denied .

On the other hand, the specific requirements refer to the particular conditions that each company imposes on its clients in order to apply for loans while enrolled in Credit Checker . Obviously this means that the requirements can vary enormously from one case to another, but as a general rule there are two points that tend to be repeated all the time: that our inclusion in Credit Checker cannot be related to bank debts and that their value is not higher to 1,500 US dollars .

Thus, if the inclusion in Credit Checker is due to having stopped paying an electricity or telephone bill, we will not have problems accessing this financing, but if we have stopped paying a mortgage fee to the bank, it is certain that we will see how they reject our credit.

In any case, compliance with all these requirements, both general and specific, does not mean that we are granted the loan automatically, but that we simply meet the necessary conditions to be eligible for it and everything will depend on the result of the risk study that perform the financial institution. Although this may vary depending on the company from which we want to apply for the loan, not all cases of defaulters are accepted.

Therefore, there are two essential requirements that we must meet yes or yes for the credit with Credit Checker to be granted:

  • Our debts can never be related to banking entities , yes to service companies such as electricity, internet or telephone,
  • We cannot have debts greater than € 1,000 , although a few lenders like ViaSMS accept debts of up to € 2,000.

Conditions of fast loans with Credit Checker

As we have said, the credits granted with Credit Checker work exactly the same as any other loan. Thus, for example, in reference to your interests, it is usual for us to talk about a rate of around 1% per day . It must be taken into account that when it comes to this type of credit, one works with very short terms, of just one month, so that the usual reference indicators, such as the APR, which work with longer terms, are not useful in these cases .

The best way to get an exact idea of ​​how much interest is on a loan with Credit Checker is to use as a reference the difference that we are going to pay for 100 US dollars in 30 days. The availability of the money after the approval of the credit is also usually the usual one of less than 24 hours , unless we find ourselves in the situation that our bank account associated with the credit is not in one of the entities with which the lender works , in which case the delivery time of the money can be extended up to 48 hours. On the other hand, loans with a mortgage guarantee or for the pawn of a vehicle, present more specific conditions.

Keep in mind that when using a guarantee, the paperwork to be carried out is much greater than in the case of granting a mini loan. Although we will usually receive the response within a maximum timeframe of 24 hours, in these cases the availability of the money will take much longer , as procedures that are somewhat complex are necessary, and the delivery of the money may be delayed for several weeks.

This is where the risk department of the entity we go to becomes important, since there are several companies that will grant us a credit while in Credit Checker if, for citing an example, we have a pending invoice of € 300 . The decision will always be made by the risk department, so as we do not have an endorsement we depend on them and our specific need.

Documentation necessary to request a credit online with Credit Checker

The vast majority of fast loan companies that accept clients included in Credit Checker give the possibility of carrying out the entire process online , so it is only necessary to go to their website and fill in the application form specifying the conditions we want for the loan (amount, term, ...).

To this request, more or less documents will have to be attached according to the different companies, but at least we will be asked for a copy of the DNI to verify our data , a photocopy with the current account, a contact email where to receive the contract and the invoice and by Finally, a document that proves what the debt for which we have been included in Credit Checker consists of. To facilitate the processing of our loan, it is important to carry some documents that are usually requested in most entities.

Private lenders who accept Credit Checker clients often ask us for the following documents:

  • Contact information of the loan applicant : the usual thing is to leave an email address and contact telephone number of which you are the owner. Both channels will be the usual means of contact between the client and the financial company,
  • Documentation that proves the reason for the debt that originates the inclusion in Credit Checker : when dealing with clients with pending debts, a requirement that financial companies request to assess the risk of the client, is the information related to the debt or pending debts for which have been included in Credit Checker .

Although banks usually have access to the lists of defaults, it is common for them to request to indicate through the online application form the origin, amount and date on which the non-payment or debt occurs because of the inclusion in Credit Checker .

  • Photocopy of the DNI, passport or NIE : Usually the financial company requests a color copy of both sides of our personal identification to verify the identity, age of the applicant and country of residence,
  • Online application form : in this form we have to fill in the fields putting our personal data, our income, the money we want to request, contact telephone number and everything required,
  • Bank documentation that proves the source of income : a photocopy of our payroll or a document that serves to justify sufficient stable income to request the loan, although the pension and unemployment benefit also serve,
  • The data of the checking account in which we want the requested money : a photocopy of our checking account in which the money will be deposited.

Any error when sending these documents is cause of delay in the management of the risk study of the application.

Is it possible to get money with Credit Checker for a higher amount?

Credits with Credit Checker without endorsement are usually for small amounts but we can always go to other alternative financing formulas.

The most common that could be an alternative to personal loans with Credit Checker and payroll , as we have already mentioned above, are the pawn of vehicles or go to a loan with a home equity guarantee . We must bear in mind that, with either of these two options, we can lose the asset that we use as collateral and it may not be worth taking that risk if the amount to be requested is minimal or the money that we are going to request is to solve an issue. very urgent.

In any case, we must always ensure that we will be able to strictly comply with the loan terms to avoid greater evils.

Car pawning , home equity loans, and pawn shops are the options that more and more Credit Checker customers are using to purchase large sums of money.

Can you apply for a loan with Credit Checker without payroll?

The financial entities that manage these loans give concessions to clients without a payroll who have income every month. Clients without payroll with income are pensioners , self-employed , unemployed , landlords or people who receive regular aid or subsidies.

The important thing is to show that we have a fixed income every month even if we do not have a payroll. Therefore, it is possible to process the application for a loan with Credit Checker if we do not have a payroll as long as we justify other sources of fixed income.

In order to get better financing conditions, the solution to our financial problems is to pay our debts and try to get out of Credit Checker as soon as possible. In this sense, having a payroll will not improve the conditions of our loan .

How to repay a loan with Credit Checker?

Loans with Credit Checker, like regular fast loans, are repaid in a single payment . To make this payment, the usual thing is that various options are made available to the client, such as making a bank deposit, a transfer or paying with our credit or debit card.

  • Card payment is one of the options that private lenders offer their clients. It does not matter whether the payment is made with debit or credit cards,
  • Make a bank deposit either through the bank window or at an ATM. Check with the lender if this option is available,
  • Payment by bank transfer is common in the case of the payment of mini - credits , while in the case of payment of installment credits it is less used,
  • Domiciliating the charge is the most common option for the return of credits of high amount . For this, the lender will have to be provided with the account number in which to direct the credit receipt. It is advisable to make sure that you have enough liquidity on the date that the charge is going to occur so that the receipt is not returned and there are negative consequences.

In case of wanting to return the loan money ahead of time , we may find that some companies penalize us and want to charge a commission for early closing, so it is convenient to be well informed regarding this point and take it into account. If this commission does not exist, with the advance payment we will save a good amount in interest , since we will not have to face the interests corresponding to the days that remain until the end of the loan term.

Again, secured credits have a different operation in terms of repayment, since we are talking about credits of a higher amount, longer term and whose interests are paid in monthly installments. En estos casos resulta muy conveniente intentar trabajar con plazos de devolución cortos, aunque los intereses puedan ser algo mayores, ya que en caso contrario, la cantidad a la que habrá que hacer frente por un préstamo que se prolonga durante bastantes años puede convertirse una losa muy pesada para nuestra economía.

¿Qué pasa si no puedes realizar la devolución a tiempo?

En el caso más extremo podemos llegar incluso a perder nuestra vivienda si la usamos como garantía para solicitar el préstamo, pero, en cualquier caso, el comportamiento habitual de las empresas que conceden créditos con Credit Checker es el mismo que el de todas las compañías de créditos rápidos en caso de impago.

De no cumplir con las obligaciones adquiridas, entraremos en un proceso en el cual, las penalizaciones que se nos apliquen serán mayores conforme aumente la demora en el pago.

Así, el primer paso será exigirnos el pago de comisiones por habernos retrasado en la devolución del crédito. Posteriormente se nos cobrarán intereses de demora y quedará constancia en los registros de morosos . Y por último, si no hiciésemos efectivo el pago, deberíamos hacer frente a una reclamación judicial en la que se nos exigirá el pago de la deuda y que en caso de ser aceptada implicaría la obligación de pagar la deuda más los intereses más las penalizaciones más las costas del juicio.

Lo más conveniente en caso de no poder pagar a tiempo el crédito contratado es ponerse en contacto con el prestamista e intentar buscar una solución conjunta. Lo normal es que el prestamista te ofrezca varias opciones de pago para evitar caer en el impago de la deuda.

En los casos en los que el cliente acude al prestamista porqué no puede hacer frente al pago de la deuda se ofrece al cliente la opción de contratar una prórroga del préstamo. La prórroga de un préstamo con Credit Checker supone una extensión del plazo para hacer frente a la deuda contraída con el prestamista sin intereses ni cobro de comisiones . No obstante la contratación de la prórroga si tiene un coste adicional .

La contratación de la prórroga debe realizarse antes de que concluya el plazo establecido. En el caso de no pagar el préstamo antes del período fijado por el prestamista se empezará a cobrar los intereses de demora y comisiones que se generen por el impago del préstamo.

En todo caso, es importante destacar que no todas las compañías financieras ofrecen la posibilidad de contratación de prórrogas para ampliar el plazo del pago de la deuda contraída. Por lo tanto tener claras las condiciones del préstamo con Credit Checker contratado es fundamental para solventar problemas en caso de impagos en el plazo acordado.

¿Quién puede consultar mis datos en el fichero?

Las entidades con acceso a la consulta de los datos recogidos en Credit Checker son los miembros de la Asociación Nacional de Establecimientos Financieros de Crédito , de la Asociación Española de Factoring y de la Asociación Española de Leasing .

Todas estas entidades podrán pertenecer a sectores tan variopintos como puedan ser la banca, telecomunicaciones, seguros, operadoras de telefonía, alimentación, transportes, etc. Todas las entidades pertenecientes al grupo mencionado con anterioridad tendrán potestad suficiente para comprobar la información de Credit Checker, con la finalidad de comprobar la capacidad de solvencia de sus clientes antes de aprobar ningún tipo de operación o venta .

¿Por qué es tan difícil conseguir un préstamo con Credit Checker?

Aparecer en un registro de impagos dificulta nuestras posibilidades para obtener financiación del tipo que sea, así como posibles problemas para dar de alta y contratar algunos suministros. Como es sabido, optar a préstamos rápidos o de bajo importe, será más asequible qué pretender obtener sumas elevadas de dinero procedentes de bancos o entidades financieras .

Por lo general, las condiciones de financiación a las qué optamos cuando no tenemos un buen historial de crédito están condicionadas por los altos tipos de interés y demás gastos de gestión asociados.

Nuestro historial de crédito es la carta de presentación ante cualquier entidad, qué analizan aspectos como el motivo de inclusión, el tipo de deuda, o la cantidad total adeudada por la que hemos sido registrados en el fichero de impagos .

Aunque cada compañía de crédito regula en sus políticas internas las condiciones qué considera oportunas para la concesión de sus préstamos, de manera general hablamos de préstamos con mayor o menor grado de dificultad de concesión. De este modo, si el motivo de nuestro registro en Credit Checker se debe a un impago con un banco, el grado de dificultad para conseguir nuevos préstamos será muy alto .

En el caso de impagos de otro tipo como pueda ser tener deudas con compañías privadas por falta de pago de facturas, nuestras posibilidades para conseguir financiación serán más elevadas. En cualquier caso, las compañías financieras estudiarán nuestra solicitud teniendo en cuenta el motivo y el importe total de nuestra deuda con Credit Checker .

DIFICULTAD DE CONCESIÓN DE LOS PRÉSTAMOS ESTANDO EN Credit Checker
Tipo de deuda Amount Dificultad de concesión Garantía
Deudas Bancarias o impago de otros préstamos Indiferente Muy dificil concesión Nos podrían solicitar como garantía: Hipoteca, vehículo, empresa o local
Deudas por impagos de facturas o recibos (telefonía, gas, luz…) Hasta 1.500 US dollars Fácil concesión Ingresos mínimos (no exigen nómina ni aval)
Hasta 2.500 US dollars Posible concesión Ingresos mensuales, suficientes y demostrables (no exigen nómina ni aval)
Más de 2.500 US dollars Dificil concesión Ingresos demostrables y recurrentes (no exigen nómina ni aval)

¿Merece la pena pedir un crédito si estoy incluido en Credit Checker?

Los créditos que se conceden a personas que figuran en Credit Checker no son ni buenos ni malos de por sí. Sus condiciones, como hemos visto, son prácticamente idénticas a las de cualquier préstamo rápido, por lo que como en estos casos, la clave está en actuar con prudencia . Y es que la disponibilidad casi inmediata de dinero es un reclamo muy atractivo que enmascara ciertos condicionantes que pueden hacernos el futuro muy cuesta arriba si no tenemos claro que podamos devolver el dinero en el plazo previsto .

Es por eso que lo recomendable en todos los casos es pedir única y exclusivamente la cantidad que necesitemos y que sepamos con certeza que podremos devolver sin problema . No pasa nada por pedir un mini préstamo por 300€ para pagar un arreglo del automóvil si nos encontramos a final de mes y tenemos la cuenta casi a cero. La clave está en tener la certeza de que cuando se nos ingrese la nómina podremos devolver esa cantidad sin mayor inconveniente.

Leer y estudiar las condiciones que se firman al contratar es fundamental para no caer en clausulas abusivas y pago de intereses elevados. Si estás en Credit Checker y te ves en la obligación de solicitar financiación , recuerda qué es posible conseguir el dinero que necesitas sin que estar en Credit Checker sea un obstáculo para ello.

En cualquier caso, si resulta posible, la mejor solución es intentar eliminar nuestro nombre de los ficheros de Credit Checker . Si lo conseguimos, volveremos a tener las puertas abiertas a la financiación por parte de cualquier banco, los cuales ofrecen créditos a un precio mucho más barato.

¿Cuáles son nuestros derechos si estamos en Credit Checker?

Si estas en Credit Checker y necesitas información acerca de tus derechos, aquí te dejamos una pequeña recopilación de qué derechos son los que podemos ejercer en esta situación, si lo consideras necesario: Derecho a Información, Acceso, Rectificación, Cancelación, Oposición, Indemnización y Privacidad.

  • Derecho a la Información: la empresa que reporte nuestra situación de impago a Credit Checker, tiene la obligación de informarnos en un plazo máximo de un mes en qué listado de morosos hemos sido incluidos. Además tendrá que mantenernos informados acerca de nuestros derechos a ejercitar el acceso, rectificación, cancelación y oposición de los datos,
  • Derecho al Acceso: supone nuestro derecho a conocer y obtener de manera gratuita nuestros datos personales registrados en el fichero de morosidad al que hayamos sido reportados,
  • Derecho de Rectificación: se refiere al derecho que tenemos a corregir o modificar nuestros datos cuando sean inexactos o incorrectos, con el fin de garantizar la certeza de la información objeto de tratamiento,
  • Derecho de Cancelación: este derecho nos otorga la potestad de pedir que nos den de baja si pagamos la deuda, ésta prescribe o no existe. Recibiendo contestación a nuestra demanda en un plazo máximo de 10 días,
  • Derecho de Oposición: supone el derecho que tenemos a no dar consentimiento para que usen nuestros datos en Credit Checker, siempre que demostremos una situación personal justificada y que la ley no disponga lo contrario,
  • Derecho de Indemnización: en el caso de que nuestros datos terminen en Credit Checker de manera ilegitima, suponiendo un perjuicio que podamos probar y cuantificar, estaremos en nuestro derecho de demandar una indemnización ante los tribunales por daños y perjuicios,
  • Derecho de Privacidad: de acuerdo con el artículo 18 de la Constitución Española se garantiza el Derecho al Honor, la Intimidad Personal y Familiar, ya la Propia Imagen. Lo que nos otorga el derecho a que la emrpesa con la que contrajimos la deuda respete el secreto profesional, y no divulgue nuestros datos sin consentimiento a terceros.

¿Qué alternativas existen para obtener dinero con Credit Checker?

Los préstamos con el coche como aval son otra de las modalidades por las que es posible obtener dinero fácilmente estando en Credit Checker . Son interesantes por varias razones: permiten obtener cantidades mayores que las que se obtendrían empeñando objetos o solicitando microcréditos, ya la vez, no requieren poner como garantía un bien tan valioso como una vivienda , con lo que el riesgo se hace más asumible.

Además, son cada vez más frecuentes los empeños de coches en los que el usuario no tiene que renunciar al uso del vehículo . Tradicionalmente, el empeño de coches conllevaba dejarlo en depósito como forma de garantizar la devolución del préstamo, pero éste hecho conlleva un importante trastorno al dejar al propietario sin medio de locomoción y afectar de forma considerable su rutina diaria. Siendo conscientes de que esto frenaba a muchas personas a la hora de recurrir a este servicio, la posibilidad de continuar usando el coche a cambio de pagar una cuota de alquiler ha sido la solución puesta en marcha por algunas compañías de empeño de coches.

Por lo general, el empeño de vehículos permite obtener dinero inmediato de una cuantía considerable , ya que suelen concederse préstamos por un porcentaje del valor del vehículo que oscila entre el 40%y el 80% , y además, disponer del dinero con enorme rapidez (un máximo de 24 horas). Sin embargo no todo el mundo puede recurrir a esta fórmula ya que las empresas del ramo suelen imponer ciertas condiciones, como que el coche esté pagado en su totalidad o que no tenga más de 8-10 años.A continuacion podemos ver un listado con las entidades que ofrecen este servicio:

Entity Maximum amount Terms
Loan with the car as Gedescoche guarantee 50% vehicle value
  • 10 years
  • Never mind Credit Checker
See

Otra opción más para conseguir dinero con Credit Checker son los préstamos con garantía hipotecaria , que si bien no aplican un interés tan elevado como los microcréditos, nos obligan a poner en riesgo una propiedad . Estos préstamos son una buena alternativa cuando necesitamos una cantidad de dinero alta y los más utilizados para la reunificación de deudas , ya que podemos obtener efectivo normalmente por el valor de hasta el 40% de la vivienda que tengamos en propiedad y que aportemos como garantía. Teniendo en cuenta que estos préstamos suelen ser elevados, los plazos para su devolución también lo son, y la forma en la que procedemos a retornarlos suele ser en forma de cuotas mensuales . Si cumplimos con los pagos y devolvemos el crédito en las condiciones pactadas nos habrá supuesto una forma fácil y rápida de obtener ese dinero urgente , y además, a un precio interesante pero hay que tener muy presente que de no ser constantes en los pagos se ejecutará la hipoteca y terminaremos por perder nuestra vivienda .

Se trata, por tanto, de una operación de alto riesgo en la que hay que estar muy seguro de poder hacer frente a las condiciones. De lo contrario, lo que podía suponer un problema puntual de liquidez, puede terminar convirtiéndose en una catástrofe financiera en toda regla. A la hora de solicitar un crédito con garantía hipotecaria con Credit Checker , acudir a una agencia de reunificación de deudas , como pueden ser las que vemos a continuación, puede ser una manera inteligente de afrontar la situación.

Loan Amount and term Terms
Préstamo para la reunificación de deudas con hipoteca o aval (Inmuebles) de Sofkredit 30% valor vivienda
20 years
  • With mortgage or guarantee (Real Estate)
  • No payroll
  • Never mind Credit Checker
See
Préstamo para la reunificación de deudas con hipoteca o aval (Vivienda) de Préstamo Capital 40% valor propiedad
15 years
  • With mortgage or guarantee (Housing)
  • No payroll
  • Never mind Credit Checker
See
Préstamo para la reunificación de deudas con hipoteca o aval (Vivienda) de Kapital 50% reducción cuota
15 years
  • With mortgage or guarantee (Housing)
  • Never mind Credit Checker
See
Préstamo para la reunificación de deudas con hipoteca o aval (Vivienda) de Misolvenciaes 300.000€
10 years
  • With mortgage or guarantee (Housing)
  • Never mind Credit Checker
See

Ya que vamos a arriesgar una propiedad cuyo valor es muy superior a la cantidad que recibimos , no está de más tomar todas las precauciones necesarias para asegurarnos de que podremos devolver el crédito, e incluir la totalidad de pagos en una cuota que se pueda asumir es una buena estrategia.

Al tratarse de un crédito hipotecario cuyos intereses siempre son sensiblemente menores que los de otro tipo de créditos, y alargar los plazos de amortización, estas agencias pueden conseguir reducciones de hasta un 50% en el total de la cantidad que actualmente destinas a tus pagos mensuales.

De este modo, el riesgo de perder el bien ofrecido como garantía se reduce, y podemos obtener la financiación que necesitábamos a pesar de figurar en Credit Checker.

Las casas de empeño han experimentado un renovado auge con la crisis . La imposibilidad de acceder a las vías tradicionales de crédito ha provocado que muchas personas se hayan visto obligadas a recurrir a este sistema, que ya parecía arcaico, para obtener dinero en un momento determinado.

Su funcionamiento consiste en dejar un bien en depósito a cambio de una cantidad de dinero que se obtiene al momento , la cual debe ser reembolsada en un plazo determinado para recuperar su propiedad, o en caso contrario, la casa de empeño pasa a ser la propietaria. Si bien las casas de empeño aceptan una gran variedad de bienes como garantía, las joyas han sido, tradicionalmente, uno de los más utilizados para este fin, ya que son objetos que tienen un notable valor y no son de uso cotidiano. Las casas de empeños no van a estudiar tu solvencia ni tu historial crediticio anterior simplemente porque ya disponen de una garantía superior al valor del crédito que te conceden, con lo que obtener liquidez por este sistema es realmente sencillo.

Cancelación de deudas mediante la Ley de Segunda Oportunidad

Estar en Credit Checker es el resultado de deudas impagadas. Si esta es nuestra situación, quizás podamos acogernos a la Ley de Segunda Oportunidad mediante entidades especializadas en la cancelación de deudas .

Entity Tipo characteristics
Deudai
Cancelación deuda
  • Cancelación cualquier tipo de deuda
  • Hasta el 50% del total
  • Asesoramiento personalizado gratuito
Ver Oferta
Agencia Española de Protección Familiar
Cancelación deuda
  • La deuda no debe superar los 5,000,000
  • Gestionan la salida de Credit Checker
  • Particulares, autónomos o empresas
Ver Oferta

Cuando las deudas se acumulan, nuestros datos se transfieren a ficheros de morosidad como Credit Checker. Cuando esto ocurre, a veces la situación es tan compleja que no resulta fácil salir de Credit Checker por nosotros mismos. Es por ello que en estos casos la mejor opción pasa por acudir a especialistas en cancelación de deudas mediante la aplicación de la Ley de Segunda Oportunidad .

Y es que cuando la situación de endeudamiento es insostenible, está ley puede hacer mucho por nosotros . Si te interesa ampliar más información acerca de su funcionamiento, te invitamos a leer el post de nuestro blog en el que te explicamos todo lo que necesitas saber sobre la Ley de Segunda Oportunidad .

conclusion

Para aquellos que no saben cómo obtener dinero con Credit Checker , esta guía seguro les será de utilidad para escoger la fórmula que mejor se ajusta a sus circunstancias. Estar incluido en un fichero de morosidad es ciertamente una molestia, especialmente cuando deben afrontarse situaciones en las que se requiere disponibilidad rápida de efectivo y no tenemos acceso al circuito bancario, pero como ha quedado patente, no se trata de un callejón sin salida.

La inclusión en Credit Checker dificulta el acceso al crédito , y hemos de ser conscientes de que obtenerlo, nos resultará más caro, pero posibilidades existen, y muy variadas . La decisión de cuál de ellas elegir debe venir marcada por la cantidad que precisemos y, como es lógico, por la capacidad que poseamos de responder a las obligaciones adquiridas.

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Comments and opinions

Sandu 05/08/16
Hola en principio debo 4000 $ a una financiera deje de pagar la cuota de mucho tiempo sin mi consentimiento debito que el prestamo fue sacado con x pareja que Teña que pagarlo porque el préstamo fue en favor de EA dicho eso me entere ASE unos dyas que las cuantas no se am pagado i esta en mi nombre .Es posible sacar un crédito con vosotros para pagar la deuda ...gracias ...un saludo
Modesto Rodríguez 21/12/17
Necesito de 80 a 100€ . Y no sé como tenerlos. Soy pensionista, tengo de pensión 396€ . Y estoy en Credit Checker. Que no sé. Mi abogado lo está preparando. Thank you.
emi 14/01/18
Hola, Estoy en ray mas necesito de un préstamo de 10000€ para comprar un coche y pagarlo en 5 años
Iris 22/01/18
Hola buenas tardes yo debo un importe de 1500 US dollars de telefonía a Movistar. Me gustaría saber si puedo pedir un préstamo aún teniendo ese importe de Credit Checker
regbiomed.com 02/09/18
Hola Modesto, hay una gran variedad de entidades que ofrecen el tipo de préstamo que estás buscando, puedes encontrarlas en nuestro listado de préstamos con Credit Checker
regbiomed.com 02/09/18
Hola Emi, puedes visitar el listado de Préstamos a plazos en nuestra web y encontrar créditos por la cantidad que estás buscando.
regbiomed.com 02/09/18
Hola Iris, puedes visitar el listado de Préstamos con Credit Checker en nuestra web y encontrar créditos por la cantidad que estás buscando e incluso de mayor importe como Crédito Victoria o Creditea.
Tyna 07/03/18
Hi. Me lie con varios minicreditos de cantidades sin intereses para ayudar a mi hermana para operar su tumor. Ahora necesito ayudar con estos 3 000 e con un prestamo a plazos vamos reunir los pagar los y cumplir con mi deber con pagar en un sitio! es posible ???
regbiomed.com 28/03/18
Hola Tyna, puedes visitar el listado de préstamos rápidos a largo plazo y encontrar créditos por la cantidad que estás buscando e incluso visitar el apartado de reunificación de deuda donde encontraras prestamos que se ajustan a las cantidades que estas buscando e incluso de mayor importe.
Angel Pérez Sanchez 08/04/18
Nadie concede préstamo estando en Credit Checker todos que son los mismos dicen NO
regbiomed.com 10/04/18
Hola Angel, la mayoría de las compañías que ofrecen préstamos con Credit Checker requieren que la deuda no sea bancaria y especifican el importe pendiente que aceptan. Puedes visitar el listado de Préstamos con Credit Checker en nuestra web y podrás encontrar toda la información que necesites sobre éste tipo de créditos.
WILLIAMS 14/05/18
Hola buenas tardes yo debo un importe de 1500 US dollars de telefonía a Movistar. Me gustaría saber si puedo pedir un préstamo aún teniendo ese importe de Credit Checker
regbiomed.com 18/05/18
Hola willians, la mayoría de las compañías que ofrecen préstamos con Credit Checker requieren que la deuda no sea bancaria y especifican el importe pendiente que aceptan. Puedes visitar el listado de Préstamos con Credit Checker en nuestra web y podrás encontrar toda la información que necesites sobre éste tipo de créditos.
luis emilio 02/03/20
todos te dicen lo mismo que te dan prestamos rapidos sin importar Credit Checker y luego todo es mentira, es para denunciar esta lista de engañadores
RegBio Loan 03/03/20
Hola Luis Emilio, las entidades que admiten préstamos con Credit Checker lo hacen bajo estudio de viabilidad, en este estudio hay más factores a parte del Credit Checker. Cuando las entidades se refieren a que aceptan Credit Checker, es porque esta posibilidad entra dentro del estudio, en las que no admiten Credit Checker no cabe la posibilidad de estudiar el caso puesto que es un factor que deniegan directamente.Puedes visitar el listado de préstamos con Credit Checker y podrás encontrar toda la información que necesites sobre este tipo de créditos. Y si tienes dudas o quieres que te ayudemos, puedes ponerte en contacto con nosotros en nuestro chat de lunes a jueves de 10h a 19h y los viernes de 10h a 15h, o bien llamar al número 91 060 85 48 en el mismo horario.

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