PresmosOnlineya - Loans up to $ 750 up to 90 days
(Analysis assessment)
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Loans online : Here you will get personal loans online on the spot (variable APR)
| What type of financing does Prestamosonlineya offer? | Quick credits , Mini- credits , Loans with Credit Checker , Loans without payroll |
| What is the maximum credit granted by Prestamosonlineya? | € 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 Prestamosonlineya allows to return the money? | 90 days |
| And the minimum return period? | 61 days |
| How long does it take to give me an answer? | 10 minutes |
| In what time will I be able to have the money? | 10 minutes |
| Do I need to have a payroll to access the mini-credits of Prestamosonlineya? | NO |
| Is Loansonlineya going to request a guarantee? | NO |
| Will my application be denied if I am on Credit Checker? | NO |
| What is the maximum debt that Presémononlineya allows in Credit Checker? | Do not specify |
| Can I request a loan from Prestamosonlineya 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 Prestamosonlineya? | 70 years |
| And a minimum age? | 18 years |
| Are there any other requirements? | Recurring 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? | For free |
| Is there a possibility of an extension? | YES |
| 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? | NO |
| And the extra costs like the extensions? | NO |
| What means does Prestamosonlineya offer to receive my money? | 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? | Do not specify |
| Payment method according to loan company |
Loans online: Analysis and opinion
Highlights: Online loans on the spot 
PresgamosOnlineya , is an intermediary that is responsible for sending the information to different entities without the user having to do anything more than choose the amount and the return period.
In addition to online financial institutions, lately brokerage companies proliferate that help the user to streamline the process. The user has no way of knowing the options until he enters the data in the system and receives a response, based on his financial situation.
How to apply
The registration process is exactly the same as that followed when requesting a loan directly from an online loan financial institution.
You choose the amount and the return period you want and then the usual information required in these cases is provided, that is: personal data, contact information, employment situation and if you have a negative credit history (Credit Checker )
Then, the terms and conditions are authorized and the company that manages the website is granted authorization to create a profile with which to manage the requests to the entities that grant the loans.
What is needed to apply for a loan
In order to apply for a loan and for it to have options to be granted, a series of requirements must be met:
- Be of legal age and have residence in Spanish territory,
- Have Spanish nationality and be in possession of a DNI or NIE,
- Have a mobile device.
However, it does not require a specific employment situation or have a pristine credit history. Since the procedures are carried out with companies that accept different types of clients, the applicant's solvency situation is not defined as an exclusive element.
Loan conditions
Given that PrestamosOnlineya does not grant loans directly but only plays an intermediary role between financial institutions and users, it does not establish specific conditions, but rather a range.
Thus, the minimum that can be requested is 50 US dollars, while the maximum is 750 US dollars with a return period of between 1 and 90 days. The APR can be 0%, but it can also rise to a maximum rate of 36%.
The client can only specify quantity and term, being in the hands of the entity that grants the credit to apply the rates that it deems appropriate and that the client can always accept or reject. These rates will generally be lower the better the applicant's creditworthiness.
Receive the money
The applicant will usually receive a response within 15 minutes . If this is positive and you accept the conditions of the entity that grants you the credit, the deposit will be made in your account as quickly as possible.
The proposal received will be the result of the automated management that Traffic Control (the company that manages prestamosonlineya.es) carries out the information provided.
Using a series of algorithms, the system links the newly created user profile based on the information provided with the conditions of the entities that grant online loans and sends the request first to the one that has the best chance of accepting it.
Thanks to this, the system can give an answer, generally in the affirmative, in a very short period of time, since it collates the information of both to find the best match profile between the applicant and financial entities.
In any case, it should be noted that the acceptance of the application is not guaranteed , and that if it is rejected, no information is provided about the reasons.
Contact details of PrestamosOnlineya
The only means of communication available to contact LoansOnlineya is through its contact form.
If we need to send our questions, doubts or suggestions about how they work, before requesting a loan through their services, we will only have to access this link and send our text message .
conclusion
The utility of this company is clear: each user has specific characteristics in relation to their financial situation, which for some companies that grant loans may be suitable while for others they may not.
The advantage of such a service is basically time saving .
Someone who has a solid financial situation will generally not resort to these types of platforms since their own solvency guarantees that they will be able to obtain financing in many places.
But those who are not in this situation or have problems with Credit Checker have to waste a lot of time trying again and again to find the company that agrees to grant them a loan.
Taking into account that the service has no cost for the user , since the intermediary obtains its benefit from the commission that the entity itself pays for providing clients, there is no but to put to a service like the one offered by PrestamosOnlineya.
