HolaDinero - Up to $ 1,000 free for new customers with Credit Checker
(Analysis assessment)
Hello Money : Say Hello! to your money (variable APR)
| What type of financing does HolaDinero offer? | Quick credits , Mini- credits , Loans with Credit Checker , Loans without payroll |
| What is the maximum credit granted by HolaDinero? | € 1,000 |
| And the minimum? | € 50 |
| How much can I have in the first loan? | € 1,000 |
| Is the first loan free and interest-free? | YES |
| Do you have other offers? | NO |
| What is the maximum period that HolaDinero allows to return the money? | 31 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? | 15 minutes if banks coincide but 24 hours |
| Do I need to have a payroll to access HolaDinero mini-credits? | NO |
| HelloMoney will you request a guarantee? | NO |
| Will my application be denied if I am on Credit Checker? | NO, but the debt cannot be bank |
| What is the maximum debt HolaDinero allows in Credit Checker? | € 1,500 |
| Can I request a loan from HolaDinero 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 HolaDinero? | 65 years |
| And a minimum age? | 21 years |
| Are there any other requirements? | Demonstrable income |
| Can I use Instantor to validate my data? | NO |
| Can I cancel my credit early? | YES |
| Does the cancellation imply any expense or savings in the total cost of the loan? | 0.5% of the total |
| Is there a possibility of an extension? | YES, 30 calendar days |
| What are the costs and expenses of extending the credit? | Interest generated |
| Do you have a simulator on your website? | YES |
| Does your simulator include the loan costs? | YES |
| And the extra costs like the extensions? | NO |
| What means does HolaDinero 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? | Banco Santander, Caixa Catalunya, Bankia, Banco Sabadell |
| Payment method according to loan company |
HolaDinero: Analysis and opinion
Highlights: Up to € 1,000 over 31 days 
HolaDinero is an entity that works as a loan broker for amounts of up to 1,000 US dollars to be repaid up to 31 days. In addition, we also have the possibility of finding promotions to new clients at 0% interest.
At this point we know that no microcredit is perfect. What some products are advantageous in some respects, they are less so in others. But what if they exist are very interesting offers that should not be missed, and that is the case of Hola Dinero.
Requirements for applying for HolaDinero credit
In order to access these credits, we have to comply with simple requirements , available to almost everyone, and that essentially do not differ from those required by other companies that are engaged in this activity. These requirements are:
- Be between 21 and 65 years old
- Reside in United States
- Provide a valid identity document (DNI, NIE)
- Have an account in a bank
- Provide an email address and mobile phone number
- To be able to demonstrate a source of income , for which a proof of income or a bank statement can be requested
It should be noted that in the case of this company, they are open to help you find a financing option even if you are in Credit Checker as long as the debt is not with a financial institution. The decision to approve or not your application will depend on the credit institutions themselves.
How is the process to access credit
As in most credits of this type, the process is managed entirely online . Through its website we will indicate the amount we want and the return period, we will provide our data and the required documentation , and we will wait a few minutes until HolaDinero verifies our information and proceeds to approve or deny the request .
If everything goes smoothly, we will soon receive a confirmation SMS and the money will not take long to be transferred to our account, once we accept the loan conditions. If the account we provide belongs to Banco Santander, Banco Sababell, Bankia or Caixa Catalunya, the deposit is practically immediate, about 15 minutes. In case of belonging to a different bank, it may take between 24 and 48 hours.
HolaDinero loan repayment
As already mentioned, another of the advantages offered by this credit is having a longer repayment period than usual . Something, to a certain extent logical, since when granting amounts greater than those usually given by other entities, it is normal that it takes more time to be able to return it.
From 50 to 1,000 US dollars are the amounts that we can request to return in 31 days . In addition, we have the possibility of requesting a deferment as deemed by the lender's risk policy.
If this happens, logically, we will be charged charges, which we will have to pay immediately, even if we delay the payment of the full amount. If, despite everything, we finally cannot meet the obligations contracted , we will be subject to the subsequent penalties for default detailed in the contract, and our data may be transferred to Credit Checker .
In any case, if we have no incidents, upon the agreed date we will make the payment of the payment in the bank account indicated for this purpose, with a correct identification of our identity.
HolaDinero Contact Information
HolaDinero puts at your disposal the following communication channels through which you can resolve any questions or incidents you may have:
- Online chat (available on their website).
- E-mail : hola@holadinero.es
- E-mail Marketing : marketing@holadinero.es
Its offices are located at the following address: Guadalmina Alta, CC Guadalmina 4, Local 93 (Marbella, Málaga).
Feedback
The comments about HolaDinero that we find in forums criticize the delay costs associated with the breach of the signed conditions. Therefore, we advise you to bear in mind that these products carry a high interest rate of which you must be properly informed before signing any contract.
If you have any questions about the operation of HolaDinero, we direct you to its website so that you can consult its conditions, and avoid signing any contract of which you are not sure.
