Credy - Online Microcredit Broker

Credy: The credit you need now
(Analysis assessment)

Are you in Credit Checker and need money? Access our complete and updated list of loans with Credit Checker .

Features Analysis

Credy : The credit you need now (variable APR)

characteristics
What type of financing does Credy offer? Quick credits , Mini- credits , Loans with Credit Checker , Loans without payroll
What is the maximum credit granted by Credy? € 750
And the minimum? € 50
How much can I have in the first loan? € 750
Is the first loan free and interest-free? NO
Do you have other offers? NO
What is the maximum term that Credy allows to return the money? 30 days
And the minimum return period? 1 day
How long does it take to give me an answer? 15 minutes
In what time will I be able to have the money? Before 3pm on the same day if it is working
Requirements
Do I need to have a payroll to access the Credy mini-credits? NO
Is Credy 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 that Credy allows in Credit Checker? Do not specify
Can I request a credit from Credy 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 credit with Credy? 65 years
And a minimum age? 18 years
Are there any other requirements? Stable income
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? Fee
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 Credy 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
Which banks do you work with to streamline procedures? According to entity
Form of financing through Credy
Payment method according to loan company

Apply for credit See simulator

Credy: Analysis and opinion

Highlights: Quick response and with Credit Checker

Credy - Microcredit Broker Credy provides those who need a loan with the most interesting options that exist in the market , depending on their personal circumstances, providing a much smaller list from which to choose with whom to carry out the operation.

When we need money urgently, it is quite common to resort to a microcredit company that can save us from the situation. However, it is that same urgency that too often leads us to act on impulse, without assessing which option is the most appropriate.

How does it work

A priori, the operation of Credy is similar to what we find in any microcredit website . We must enter the amount we wish to request, which ranges between 50 and 750 US dollars, and the time in which we plan to return the credit, which is a maximum term of 30 days through its website , to then be directed to a form in the that we must include our personal information.

Credy limits the number of companies that can grant us a loan based on our income, employment situation or credit history and provides a much smaller list from which to choose with whom to carry out the operation.

Although the process is the same, in this case it is not Credy who grants the loan , but with this information it contrasts which credit offers can fit in the different companies in the sector, sending it to all and subsequently informing which of them have accepted our request.

In this way, instead of having to repeat the process over and over again until a favorable response is obtained, we only have to do it once , and then, among the companies that have agreed to the concession, assess which offer is the most. advantageous in its conditions.

Credit history problems

As is well known, not all microcredit companies have the same level of tolerance for damaged credit . Credy requests information about possible problems in the credit history with the sole intention of not wasting time neither companies nor us if they exist, and sending the request only to those companies that are permissive with this circumstance. .

Defaults and delays

As Credy is not the credit concessionaire, any problem related to defaults or delays that may occur with the credit granted must be managed directly with the person who granted it . In this sense, Credy only performs mediation work , and therefore, no payment commitments are acquired with it.

Grant of money

As with the rest of the sections, this point depends on the conditions offered by the chosen microcredit company . Once the request is approved, we will be able to access the money in a period ranging from a few hours to two days. In no case Credy makes any delivery or transfer , since the management is carried out directly with the chosen company.

Contact information

To contact Credy you can do so through its customer service 24 hours a day, 7 days a week , through the following email address: 

conclusion

After knowing in depth how Credy works, it is clear that it is not a microcredit company , since at no time does it agree on conditions or deliver money to the client.

Its function is to facilitate the concession process, saving a lot of time and useless procedures, an objective in which it is presented as a truly effective tool.

To this must be added the advantage that the use of Credy is totally free for us , so there is no need to worry about being charged a fee or commission for this service.

Credy is, therefore, an efficient way to manage the request for a microcredit, since it avoids having to repeat the process with each company and in turn, saves the frustrating negatives, providing only the list of those companies that are willing to grant us credit under the proposed conditions.

From there, it is our job to study in detail the terms of the contract that each one proposes and make numbers to check which company will pay less. The result of assessing all this information will probably be the best existing option, with which we can solve your need for immediate liquidity without worrying about having to accept clearly improvable conditions.

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