Moneyman - First mini-credit up to $ 300 free for 30 days
(Analysis assessment)
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Moneyman : Fast online mini-credits in 15 minutes (APR 0%)
| What type of financing does Moneyman offer? | Quick credits , Mini- credits , Loans with Credit Checker , Loans without payroll , Credits without papers |
| What is the maximum credit Moneyman grants? | € 1,300 |
| And the minimum? | € 100 |
| How much can I have in the first loan? | € 400 |
| Is the first loan free and interest-free? | YES € 300 30 days |
| Do you have other offers? | NO |
| What is the maximum period that Moneyman allows to return the money? | 62 days |
| And the minimum return period? | 5 days |
| How long does it take to give me an answer? | 15 minutes |
| In what time will I be able to have the money? | Between 15 minutes and 48 hours |
| Do I need to have a payroll to access Moneyman mini-credits? | NO |
| Is Moneyman going to request a guarantee from me? | NO |
| Will my application be denied if I am on Credit Checker? | NO |
| What is the maximum debt Moneyman allows in Credit Checker? | Do not specify |
| Can I request a loan from Moneyman if I am a company? | NO |
| What if I am self-employed? | YES |
| Will you accept my application if I am unemployed? | YES |
| What if I am a pensioner? | YES |
| Is there a maximum age to request a loan with Moneyman? | 65 years |
| And a minimum age? | 18 years |
| Are there any other requirements? | Landline and mobile phone |
| Can I use Instantor to validate my data? | YES |
| 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, 7, 14, 21 or 30 days |
| What are the costs and expenses of extending the credit? | Fee |
| Do you have a simulator on your website? | YES |
| Does your simulator include the loan costs? | YES |
| And the extra costs like the extensions? | YES |
| What means does Moneyman 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? | Debit card, Trustly, transfer or deposit |
| Which banks do you work with to streamline procedures? | Bankia or Catalunya Caixa |
| 7 day credit | 15 day credit | One month credit | |
|---|---|---|---|
| For € 100 | € 100 | € 100 | € 100 |
| For € 300 | € 300 | € 300 | € 300 |
| 7 day credit | 15 day credit | One month credit | |
|---|---|---|---|
| For € 100 | Do not specify | Do not specify | Do not specify |
| For € 300 | Do not specify | Do not specify | Do not specify |
Moneyman: Analysis and Opinion
Highlights: € 300 for 30 days without interest 
Moneyman presents the possibility of accessing a rare incentive system that favors user loyalty .
In the first applications, Moneyman loans do not differ too much from other companies, allowing you to get a free first credit of up to 300 US dollars to be repaid in 30 days .
Moneyman also allows you to reach up to 400 US dollars to be returned within 62 days on your first request with interest.
Credit application
To do this, you must go to its website and provide the information and personal data required, as well as the scanned documentation that may be required at any given time.
Among the data requested are a mobile phone number and a landline number that allow verifying residence in the United States, the amount requested and the number of days in which the loan is to be paid, an email and bank details. With this information, the applicant receives a response almost immediately which, if affirmative, allows the process itself to be started.
Point out that those who appear on any delinquency list such as Credit Checker, will have no problems getting this loan.
How much money can be requested at Moneyman
Although it is a common practice among mini-credit companies to increase the amount available once a first loan has been successfully completed, if it is not your first request with the entity, Moneyman considers you a client to reward and will allow you to reach up to 1,300 US dollars that you can return within a period of up to 62 days. the truth is that in this sense they are not usually too specific. Moneyman , on the contrary, establishes a series of clearly defined tranches in its conditions, which it names in a specific way.
Thus, the level at which any new customer can start in their relationship with the company is precisely the "start" level , at which between 50 and 400 US dollars can be requested and which must be reimbursed between 5 and 62 days. They have the first free loan of up to 300 US dollars if you pay it back in 30 days. The following levels, called “Takeoff” and “Ascent” , have the same repayment period , but allow access to up to 500 and 700 US dollars respectively with a progressive improvement in the application of interest .
The “Turbo” and “Superturbo” levels are located at the top of this scale, and offer the possibility of requesting credits from 900 to 1200 US dollars in terms ranging from 1 to 3 and 1 to 4 months , and again, with a progressive improvement in the interests that apply in each case.
In other words, the maximum that can be requested in Moneyman is 1,300 US dollars , but only if you are a “Superturbo” level customer, which implies having a long history of transactions with them.
The loan: receipt and return of money
As is usual with these products, agility in receiving money is the norm. It takes a few minutes for the requested amount to be deposited in the account designated for this purpose, once the entire process is completed.
The return of the same can be made in different ways , which allows each client to choose the one that is most comfortable in each case. Whether it is a bank transfer, cash deposit, payment by card or use of the online Trustly method , the borrower must complete the entire payment on the date indicated in the contract and properly credit the loan reference so that it appears as settled.
If there is any type of problem that makes it impossible to pay in full, it is best to use the loan extension tool that Moneyman makes available to its clients, in one of the 4 stipulated terms. If an extension of 7 days is requested, it will be necessary to pay an additional 7% , if the settlement is delayed for two weeks, the interest on the total will be 12%, if it is 3 weeks 15% and if you request an extension for a month, a 20% surcharge will apply.
Certainly they are not cheap prices , but, in any case, it is always more profitable than facing a default , which carries an infinite number of charges and penalties that can turn the transaction into a nightmare.
If that is the case, after 30 days of the expiration date, Moneyman will transfer your data to a delinquent file, something that does not interfere with the rest of the legal actions that may be carried out to receive the money pending payment.
On the other hand, if the payment wants to be made in advance there is no type of penalty , and it is even much more advantageous at the cost level, since the interest will only be applied to the number of days that the money has been in the possession of the borrower .
Moneyman Incentive Program
One of the main aspects that differentiate this product from most mini-credits is the incentive program that it carries. The customer who wants to work with Moneyman on a regular basis will find that the company has devised a whole rewards system that rewards them for it.
In this way, the customer has the possibility of obtaining bonus points that they can later exchange for advantages. Obtaining these points can be achieved in different ways: being punctual on payment dates, inviting other people to apply for loans in Moneyman, or valuing and sharing the experience as a customer on social networks .
Each of these actions entails the achievement of points that can later be exchanged for those advantages that you consider most interesting. Getting discounts on interest , extending payment terms or being able to access the next higher level of loan are some of them.
Moneyman contact details
Moneyman has a customer service , available from Monday to Saturday from 09:00 to 00:00. Sundays from 9:00 a.m. to 5:00 p.m.
To contact we can do it through your phone number or email :
- Telephone : 93 722 73 54
- Email : customers@moneyman.es
Conclusion and opinion about Moneyman
Moneyman presents itself as a mini-credit company with a true vocation for the client, and that rewards the creation of a bond of trust that is maintained in the long term. Not many mini-credit companies extend their limit to the 1,300 US dollars offered by Moneyman, although it is true that it is a well-deserved advantage, since those who access that last and advantageous tranche have amply revealed themselves as trusted clients.
Although mini-credits are not designed as a common financing tool, those who have used them with some regularity should consider the Moneyman option very seriously. In few places will you find such a level of involvement on the part of the company to reward the good behavior of its customers.
