Fintonic - Loans up to $ 50,000 without paperwork

Fintonic: We get your loan
(Analysis assessment)

Are you looking for a long-term loan that you can pay in monthly installments? Access our complete and updated list of fast long-term loans .

Features Analysis

Fintonic : We get your loan (APR 4.75%)

What type of financing does Fintonic offer? Fast credits , Loans without endorsement
What is the maximum credit granted by Fintonic? € 50,000
And the minimum? € 1,000
How much can I have in the first loan? € 50,000
Is the first loan free and interest-free? NO
Do you have other offers? NO
What is the maximum period that Fintonic allows to return the money? 96 Months
And the minimum return period? 3 months
How long does it take to give me an answer? 5 minutes
In what time will I be able to have the money? Less than 24 hours
Do I need to have a payroll to access the Fintonic mini-credits? YES
Is Fintonic going to request a guarantee? NO
Will my application be denied if I am on Credit Checker? YES
What is the maximum debt that Fintonic allows in Credit Checker? € 0
Can I request a loan from Fintonic if I am a company? NO
What if I am self-employed? YES
Will you accept my application if I am unemployed? NO
What if I am a pensioner? YES
Is there a maximum age to request a loan with Fintonic? 65 years
And a minimum age? 18 years
Are there any other requirements? 100% online. Internet access essential
Can I use Instantor to validate my data? NO
Early cancellation and possibility of extension
Can I cancel my credit early? YES
Does the cancellation imply any expense or savings in the total cost of the loan? No costs
Is there a possibility of an extension? YES
What are the costs and expenses of extending the credit? Interest generated
Other data
Do you have a simulator on your website? YES
Does your simulator include the loan costs? NO
And the extra costs like the extensions? NO
What means does Fintonic offer to receive my money? Wire transfer
Can I receive the money with Hal-Cash? NO
And what are the accepted ways to return it? Transfer or deposit into bank account
Which banks do you work with to streamline procedures? BBVA, BANKINTER, BigBank, Unicaja, EVO Finance, Wizink, Younited Credit, Creditea, Zaplo, Wanna
Form of financing through Fintonic
Monthly payment with personalized fee

Apply for credit See simulator

Fintonic: Analysis and opinion

Highlights: Final conditions according to credit profile

Search for personal loans up to € 50,000 Fintonic is a popular mobile application that allows users to optimize the management of their personal finances, who provide their financial data and then receive offers adjusted to their economic profile of up to 50,000 US dollars .

But, how exactly does Fintonic work when applying for a loan? What conditions or requirements must be met to have access to financing? Is the money granted by Fintonic or by third parties? To all this is what we are going to answer next.

How Fintonic loans work

Thanks to the financial information that the user provides to the application once it is installed on their mobile phone, Fintonic has a very precise global idea of ​​the user's chances of success when borrowing money.

Fintonic has an index called FinScore, which calculates the financial capacity of the potential applicant. This index is a solvency index, and it is established in a range that goes between 0 and 900 points .

To grant the FinScore valuation, the app analyzes not only income, but also your financial habits, and what the money is usually spent on.

If the FinScore is less than 400 points, the same application recognizes that the user is not eligible to receive a loan , because his solvency does not cover minimum guarantees.

From 400 to 900 points , depending on the value obtained, the chances of obtaining financing are increased , in greater quantity and better conditions.

A normal user profile is between 600 and 700 points , and with that assessment it will be relatively easy to get a loan .

Users whose FinScore is between 400 and 600 points may have more problems, while a valuation higher than 700 points guarantees that access to financing is possible , and also, in general, on quite advantageous conditions.

What Fintonic does when managing a loan is, based on this index, act as a mediator with the banks, searching among the different loan offers available for the ones that offer the best conditions.

And not only that, they also negotiate so that these conditions are as favorable as possible to the client.

Fintonic loans: conditions

To request a loan through Fintonic it is necessary, of course, to be of legal age and a user of the application . In addition, it will be essential to have a payroll , which guarantees us and guarantees our solvency capacity to comply with the repayment of the credit, not being possible to access their services if we are unemployed .

The request is carried out through the app itself, in just 5 minutes and without the need to send any information.

The minimum loan amount to request is 1,000 US dollars , while the maximum is up to 50,000 US dollars . The interest conditions are variable, the best being 4.75% APR, and the least advantageous of up to 39.97% APR .

The user decides the amount and the quota that he wants, being the indicated return periods between 3 and 96 months .

With this data and the information that the app already has, in 24 hours a series of non-binding proposals with certain financial entities are obtained.

The last word, in any case, belongs to the financial institution, which is the one who has to approve the operation and who can request information as a means of verifying that the level of solvency is equivalent to that provided by Fintonic.

Contact information Fintonic

Fintonic provides users with different contact channels :

Fintonic's customer service hours are from Monday to Friday from 09:30 to 19:00.

Advantages of requesting a credit in Fintonic

Is it worth applying for a loan through Fintonic taking into account that the platform is not the one who grants it? To clarify the usefulness of Fintonic in this regard, here is a summary of the advantages it offers to the user:

  • Fintonic does not charge the user anything for the management. It obtains its benefit from commissions that are paid by the financial companies to which it is connected,
  • The user receives a response within 24 hours with specific proposals,
  • It does not require paperwork. The request is carried out based on the information that the user already has Fintonic,
  • Depending on your solvency, you can access significant amounts (up to 50,000 US dollars) and very advantageous interest (4.75% APR),
  • The loan can be granted by a bank other than the user, without having to open an account or buy associated products,
  • It is not necessary to create any relationship with the entity granting the loan,
  • Personal information is not shared with the banks to which the request is made,
  • In addition to all that, the App itself advises the user on how they can improve their credit profile, and reports on the amount they can achieve and at what interest, without having to consult with different banks one by one.

With all this in mind, Fintonic is a very interesting app , not only to be able to achieve an optimal management of personal finances, but also as a tool to achieve credits in excellent conditions, freeing the applicant from the task of having to individually consult different entities.

Frequently asked questions about Fintonic

What amount do Fintonic loans offer?

Fintonic offers us an intermediation service with banks, designed to find the loan that offers the best conditions, allowing us to request amounts from 1,000 US dollars to 50,000 US dollars .

How long do we have to make your return?

The collaborating entities of Fintonic establish different repayment terms based on their own return policies, although in general they agree to establish quotas from 3 months, with a limit of 96 months to comply with the return payment .

Is it necessary to download the Fintonic App to request a loan?

Although we start the application process through its website, when we finish Fintonic it will ask us to finish the process by downloading its application .

To do this we will only have to provide the required data and link our bank accounts necessary for the application to calculate our FinScore, based on which a loan relationship can be established according to our credit profile.

What is the FinScore?

It is a credit score, or solvency index, used by Fintonic to evaluate the individual situation of each client.

This index establishes a range that goes from 0 to 900 points. From 400 points, Fintonic considers clients eligible to obtain a loan , so that depending on the value of our FinScore, we will thus have more or less possibilities of obtaining financing.

Why does Fintonic request the customer's bank codes?

The reason why Fintonic requires that we provide the access codes to our online banking, is because it is necessary to have this information to have access to our bank movements and thus calculate the value of our FinScore .

Is the money granted by Fintonic or by third parties?

Fintonic does not function as a loan entity, acting as a mere intermediary between us and the different banking entities with which it collaborates, who are ultimately responsible for deciding on the granting of the loan in question.

What entities collaborate with Fintonic?

The banking entities with which Fintonic collaborates to obtain our loan are: Santander, BBVA, Bankinter, Unicaja, Wanna, Younited, Cajasiete, Wizink, Creditea, Monedo Now, Capital on Tap, Zaplo, Gedescoche, Ibancar or Movistar Money.

Is the offer received by Fintonic binding?

No, the financing offer offered by Fintonic is indicative and not binding since it is necessary to have the final approval of the financial institution in question, who may also require certain checks to be carried out before agreeing.

In what period will we have the money?

Although the processing process with Fintonic does not take more than 5 minutes, the period that elapses from when we send the request until we receive the money will depend on the bank that approves our request.

In this way, we will have to wait to confirm the operation with the bank to know how long we will be able to have the money in our account.

Can we cancel the credit before the contracted term?

To be sure that the entity that grants the credit accepts the early cancellation, we will have to consult its financing conditions and make sure of the cost of the commission.

We can clarify doubts regarding our loan by contacting Fintonic through the following email address: , or by contacting the following telephone number: 919 017 053

Did you find this information useful? Click on the stars to rate

Write your review

Use this form to send us your comments or give us your opinion.

I have read and accept the Privacy Policy.

* Comments and opinions are not automatically approved and go through a review process to guarantee the quality of this website.

Responsable: RegBio Loan Solutions Ltd.
Purpose: Respond to your request or inquiry
Legitimation: Consent, execution of conditions of use
Recipients: Hosting service providers
Rights: Access, rectification or deletion, limitation of treatment, opposition to treatment and portability
Additional Information: You can consult additional and detailed information on Data Protection in our Privacy Policy and in our Conditions of Use

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.
We use our own and third party cookies for navigation, and offer content and advertising of interest. By continuing to browse we understand that you accept our cookie policy . I AGREE