Fast Personal Loans ONLINE
Fast personal loans online
Complete and updated list of personal loans online with which you can obtain up to 50,000 US dollars and return it in monthly installments in an easy and simple way. Some of these entities will accept your request even if you are in Credit Checker .
|Loan||Quantity and term||Terms|
€ 50,000 from 1,000 8 years from 3 Months
| Final conditions according to credit profile Entity: Fintonic Maximum first loan: From € 1,000 to € 50,000 Repayment period : From 3 Months to 96 Months Response time: 5 minutes Time to obtain the money: Less than 24 hours Is the first credit free? NO Cost: € 30,000 for 60 months: € 6,626.34|
(APR 4.75%) Characteristics and requirements: With payroll Without endorsement Does not accept Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Interest generated) Ways to receive the money: Bank transfer
€ 50,000 from 1,000 7 years from 6 months
| Fixed and stable rate Entity: Younited Credit Maximum first loan: From € 1,000 to € 50,000 Repayment period : From 6 months to 84 months Response time: 48 hours (From the arrival of the complete file) Time to obtain the money: 7 days approximately Is the first credit free? NO Cost: € 50,000 for 84 months: € 17,588.92|
(APR 9.39%) Characteristics and requirements: No payroll No endorsement Credit Checker not accepted Minimum age: 18 years Does it allow early cancellation? YES, total or partial. Is there a possibility of an extension? YES (Expenses: Fees) Ways to receive the money: Bank transfer
€ 7,500 from 50 4 years from 1 month
| Credit up to € 7,500 to be returned from 1 to 48 months Entity: Welp Maximum first loan: From € 50 to € 7,500 Repayment period: From 1 month to 48 months Response time: Minutes Time to obtain the money: 24 / 48h Does the first credit is free? NO Cost: € 400 for 3 months: € 82.54|
(APR 42%) Characteristics and requirements: With payroll Without endorsement Does not accept Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? NO (Expenses: NO) Ways to receive the money: Bank transfer
85% Accept Credit Checker
€ 5,000 from 500 2 years from 3 months
| Installment loans up to € 5,000 Entity: Fidinda Maximum first loan: From € 500 to € 5,000 Repayment period : From 3 months to 24 months Response time: 15 minutes Time to obtain the money: 1 hour Is the first loan free? NO Cost: € 5,000 for 24 months: € 3,654.92|
(APR 79.8%) Characteristics and requirements: With payroll Without endorsement Accepts Credit Checker Minimum age: 25 years Does it allow early cancellation? YES Is there a possibility of an extension? Yes, possibility of grace period for a month (Expenses: Interest generated) Ways to receive the money: Bank transfer
€ 5,000 from 500 3 years from 2 months
| Line of credit up to € 5,000 Entity: Creditea Maximum first loan: From € 500 to € 5,000 Repayment period : From 2 months to 36 months Response time: Immediate Time to obtain the money: 15 minutes if banks coincide, otherwise 24 / 48h Is the first credit free? NO Cost: € 5,000 for 36 months: € 1,907.32|
(APR 24.9%) Characteristics and requirements: No payroll No endorsement Credit Checker not accepted Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Fees + initial amount of the loan) Ways to receive the money: Bank transfer
|Mediators and intermediaries that process personal loans|
According to entity Accepts Credit Checker
€ 50,000 from 100 7 years from 30 days
| Personal loan up to € 50,000 Entity: Kreditiweb Maximum first loan: From € 100 to € 50,000 Repayment period : From 30 days to 84 months Response time: Minutes Time to obtain the money: 48 hours Is the first credit free? NO Cost: Not specified|
(Variable APR) Characteristics and requirements: With payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Interest generated) Ways to receive the money: Bank transfer
According to entity Accepts Credit Checker
€ 10,000 from 50 5 years from 5 days
| They compare options in minutes Entity: Misolvency Maximum first loan: From € 50 to € 10,000 Return period: From 5 days to 5 years Response time: From 15 minutes Time to obtain the money: From 10 minutes Is the first credit free? YES Cost: Not specified|
(Variable APR) Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: With cost) Ways to receive the money: Transfer
According to entity Accepts Credit Checker
€ 10,000 from 100 5 years from 30 days
| WARNING: This entity is charging a commission of € 39.90 only for the service They charge a fee of € 39.90 for the service Entity: Infocredy Maximum first loan: From € 100 to € 10,000 Repayment period : From 30 days to 60 months Response time: 15 minutes Time to get the money: 48 hours Is the first credit free? YES Cost: Not specified|
(Variable APR) Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Costs generated) Ways to receive the money: Transfer
According to entity Accepts Credit Checker
€ 10,000 from 500 5 years from 91 days
| Immediate personal loan Entity: Finzmo Maximum first loan: From € 500 to € 10,000 Repayment period : From 91 days to 60 months Response time: 5 minutes Time to obtain the money: From 15 minutes to 48 hours Is the first credit free ? NO Cost: Not specified|
(Variable APR) Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Interest generated) Ways to receive the money: Bank transfer
According to entity Accepts Credit Checker
€ 9,000 from 50 5 years from 7 days
| CAUTION: This entity is charging a fee of 37.99 € only for the service to 9,000 € with Credit Checker Entity: Your credit fast Maximum first loan: from 50 € to 9000 € Repayment period: From 7 days to 60 months time answer: On the same day Time to obtain the money: 10 minutes if banks coincide. Is the first loan free? NO Cost: Not specified|
(Variable APR) Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Costs generated) Ways to receive the money: Bank transfer
According to entity Accepts Credit Checker
€ 5,000 from 100 42 months from 2 months
| Installment loan with Credit Checker Entity: Request24 Maximum first loan: From € 100 to € 5,000 Repayment period: From 2 months to 42 months Response time: 15 minutes Time to obtain the money: From 15 minutes to 48 hours The first credit is free? NO Cost: Not specified|
(Variable APR) Characteristics and requirements: Without payroll Without endorsement Accepts Credit Checker Minimum age: 18 years Does it allow early cancellation? YES Is there a possibility of an extension? YES (Expenses: Fees generated) Ways to receive the money: Bank transfer
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Characteristics of online personal loans
They allow us to obtain installment loans of up to 40,000 US dollars to be repaid in monthly installments for which usually, we will not need a guarantee as a guarantee of payment, and that are usually used to pay for home renovations, vehicle purchases, cancellations of other loans , studies, health and travel among others.
These are the main features:
- This type of loan admits the possibility of making a repayment in installments, which will allow us to have the advantage of paying monthly installments set in affordable amounts that are easy to face. The repayment period that we have will range from 36 to 96 months, depending on the financial institution to which we go,
- In general, they will not request that we have an endorsement or payment guarantee to accept our credit application,
- On some occasions, the personal loans that we can contract on the internet admit requests from clients registered in delinquency files such as Credit Checker,
- Some of these loans with less demanding requirements will accept applications from clients without payroll who can prove demonstrable fixed income,
- Processing is easy and very fast. We can get an answer to our request in a few minutes and have the money in our account immediately if we comply with all the conditions that require us.
In general, they are highly competitive products with which we can obtain urgent loans and benefit from their processing and immediate response processes.
What other types of loans can I find on the internet?
Personal loans have their own characteristics that define them, such as their amount, requirements or financing conditions.
However, they are not the only financing alternative that we find on the internet, there are products such as mini-credits, mortgage loans and credit cards with which we can obtain other sources of financing.
In all cases, we refer to loans for personal use with their own characteristics that are detailed below:
|CREDIT CARDS||MORTGAGE LOAN||MINI-CREDIT|
|Quantity||Line of credit from € 3,000 to € 10,000||Over € 40,000 for the purchase of a home Fixed installments||€ 50 to € 1,000 (Promotions for new customers without expenses)|
|Return||Fixed fees||Installment payments||Unique quotas|
|Endorsement or Guarantee||No bank guarantee||OPTIONAL bank guarantee||No bank guarantee|
|Approval time||Righ now||One week preliminary study||Minutes|
|Credit checker||Depending on the company that grants it||Depending on the company that grants it||Depending on the company that grants it|
What are the main reasons for resorting to them?
Personal loans are used to meet expenses of all kinds. In this way, we can request a personal loan to finance the purchase of a vehicle, renegotiate a debt, get up to date with the payment of overdue bills , finance a work or remodeling, or simply finance any purchase of a considerable amount that we cannot pay. cash.
In the case of personal loans for purchases, although vehicle financing originates the largest number of applications, it is also common to use it when we need to finance household appliances, technological products or even travel, that is, purchases that we should pay in installments.
In addition to financing purchases, personal loans are used to reunify the payment of other credits, when we do not have guarantees or payment guarantees. In this situation this type of credit is used as debt reunification .
Before deciding to apply for the loan, it is convenient to be clear about what we need the money for, with the complete assurance of being able to face its return without problems. For this, it is best to study and compare the financing conditions in the different entities that grant loans.
Differences between personal loans and credits
Although when we talk about personal loans and credits, we tend to think that it is the same type of financing, in reality it is not like that.
They are different products with a common denominator, allowing us to have a certain amount in exchange for a consideration in the form of interest or commissions.
In the following table we list some of the characteristics of each type of financing, so that we can see what their main differences are.
|Agreement between two parties to obtain an amount of money,||Financial service that puts a certain amount within our reach,|
|Total provision of the agreed amount,||Only the necessary amount is available at any given time,|
|Payment of the agreed interest since we receive the capital,||Payment of interest according to the amount of money withdrawn,|
|Large amounts of money,||Small amounts of money,|
|Return in installments.||Short-term return of 30 to 40 days.|
What differentiates a personal loan from a credit is the disposition we make of the money . In the personal loan, the financial institution provides us with the money in exchange for acquiring the obligation to return said amount under the agreed financing conditions.
In the case of credits, the money is at our disposal but we do not have it , so we can make withdrawals or charges from the available credit in such a way that we need to make a type of refund for the amounts used in the established conditions.
In addition, the credit allows us to have the money again as soon as it is reimbursed, while with a personal loan, once we pay off the money, the operation is terminated.
Entities that grant personal loans
Nowadays, we can request a personal loan in a series of credit entities , different from the traditional banking entities, with which we had been carrying out this operation conventionally.
Although the most common thing is that we turn to the banking institutions that we know, it is increasingly happening that we decide to look for other more flexible and advantageous financing options for the client.
To help you in this search task, we provide you with a comparison of the types of entities that offer personal loans, in which we can analyze some fundamental characteristics when deciding which alternative is best for us.
|Credit Checker accepted||No||Yes||No||No|
Hiring personal loans on the internet, where do I start?
When we talk about contracting a personal loan, we talk about the possibility of obtaining money that solves our financing needs without having to travel, in a simple and very fast way. But, how do we do it? If you have questions about the online loan application process, we will summarize the process below.
- Access to the lender's website: we can begin the process of applying for a personal loan by accessing the website of the entity from which we are going to request the loan,
- Choose amount and term in your simulator: in most cases the credit companies make available web simulators with which we can calculate the amount and term of repayment, and calculate the associated expenses and interests,
- Complete the application form: in which we will provide our personal and bank details necessary for the company to analyze our solvency situation,
- Response from the credit institution: we will immediately know if our request has been approved or rejected,
- Sending documentation: they will ask us to send the necessary documentation to accredit the data provided,
- Formalization of the contract: when the credit is granted we will receive a copy of the contract that we will have to return signed, as a sample in accordance with its conditions,
- Money transfer to our account: as soon as the company verifies that the contract has been formalized, the money is transferred to our account immediately.
In any case, before starting the processing process with any entity, it will be necessary to be clear that the entity from which we request the loan is the best option for us. To compare and analyze the loan offer you can compare the cheap personal credit offers on the internet available in our list.
Could you change your mind and cancel my application?
If when contracting a personal loan we realize that we have made a mistake and we decide to cancel the operation, we must know that the Spanish regulation stipulates the possibility of withdrawing the loan contract during the 14 calendar days following its formalization.
This is possible thanks to the "Right of withdrawal" contained in article 28 of Law 16/2011, of June 24, on consumer credit contracts, which establishes the right of any user to cancel a loan after approval without the need to prove any reason.
If you are interested in canceling a personal loan and you do not know what steps to follow here we leave you a link to our blog post in which we expand information about the right of withdrawal and cancellation of online loans.
What requirements do we have to meet
Although there may be cases in which the requirements are more restrictive, as a general rule they are usually affordable for a large majority.
These are some of the most common requirements that we can find:
- Be a natural person,
- Age between 18 and 70 years (depending on the entity),
- Reside in Spanish territory legally and be able to prove it,
- Be the owner of a bank account (Have an IBAN in our name),
- Have a recurring and demonstrable source of income.
Apart from this, it is also very common for us to request a mobile phone and an email account to facilitate communication and have a credit or debit card to streamline payments. In any case, the conditions and requirements necessary to apply for a personal loan will vary from one company to another depending on their internal policy.
What is the necessary documentation to process your application?
When we complete the application form of an entity that grants online loans, it may happen that they ask us for certain documentation to verify the veracity of the data that we have provided in our application. This type of documents may vary depending on our employment situation, that is, if we are employed, self-employed or pensioners.
It is also important to take into account the following tips regarding the documentation that we provide when starting the application procedures:
- The driver's license is not an admissible document in the application procedures for a personal loan, therefore do not forget to provide your identity document,
- The address indicated in the form must coincide with the address registered in our identity document or DNI,
- In addition, it is essential to have the documentation that identifies us in force.
In order not to delay our application for personal credit, it is important that we comply with the application guidelines that different companies require of us. Not doing so will delay the response and granting of the loan you need.
What is the INE form of a credit?
When we request a personal loan to finance our purchases, or also known as consumer credit, the lender to which we resort will be obliged to provide us with the European Standardized Information form, before we sign the contract.
This type of standard form will inform us about the conditions of the loan that we are going to contract. Mainly it provides interesting data to help us decide if this financing option is the best one for us.
Among the main data that this form collects are the following: amount and duration of the contract, expenses and interest or penalties.
If you are interested in learning more about the regulation of fast loans, you can access the RegBio Loan Blog and expand the information we offer you.
Expenses and interests of personal loans
Personal loans involve a series of expenses such as the payment of interest and the payment of commissions that we will have to face when hiring.
We begin by differentiating the meaning of APR (Annual Equivalent Rate) and TIN (Nominal Interest Rate). We must not forget that the APR is the rate that collects the TIN expense in addition to other expenses and commissions.
How we have seen the cost of the loan will depend on the interest that is applied in addition to the relevant commissions. Below we detail the most common types of fees for this type of loan:
- Study fees and loan opening: It will oscillate between 0.5% and 3% of the loan capital,
- Commissions for early repayment: 0.5% if the time for the term to end is less than one year or up to 1% if there is more,
- Commissions for late payment,
- Notary fees,
- Product linking.
In any case, we must know that not all entities apply the same expenses in these terms, therefore we can save a lot of money if we find the cheapest personal loan.
Does the term affect the cost of credit?
Yes . As in any loan, the longer the repayment period is extended, the more interest is generated and consequently the more expensive the loan is. In any case, many loans allow the possibility of making partial, early repayments or even paying off the loan in its entirety before the scheduled date without applying penalties.
Below we see an example with indicative data that represents the difference in cost between two personal loans with different repayment terms.
|Case A||Case B|
|Quantity||€ 6,000||€ 6,000|
|Term||24 months||72 months|
|Monthly fee||€ 266.77||€ 103.57|
|Final interests||€ 402.48||€ 1,457.04|
|Total to pay||€ 6,402.48||€ 7,457.04|
|* Indicative data|
Do I have to contract associated products to get the request approved?
No. The offer of linked products when we contract a personal loan is a common practice that is extended in traditional banking and that for the moment is not carried out in companies that offer personal loans on the internet .
In the event that a banking entity offers us an associated product of the type: credit or debit cards , insurance, or requirement of direct debit of income or receipts , the most advisable thing is that we pay attention to our rights, and pay attention to the particularities of the contract that they provide us before making any decision.
Before contracting a personal loan, it is convenient to compare all the possibilities and offers at our disposal. And thus find the loan that benefits us the most without having to subscribe linked products that we do not need .
Tan solo deberemos prestar atención a la oferta de préstamos, comparar y dado el caso dejarnos asesorar por un experto que resuelva nuestras dudas, si fuera necesario, puedes consultarnos a través de nuestro chat .
¿Puedo pedir un préstamo personal sin nómina por internet?
Sí . De hecho los préstamos sin nómina son concedidos por multitud de empresas. Conceden el crédito sin la necesidad de disponer de una nómina que garantice nuestra fuente de ingresos.
Al margen de las condiciones de edad o residencia habituales, el requisito principal que exigen la mayoría de entidades financieras privadas que conceden estos préstamos es que dispongamos de ingresos recurrentes que podamos justificar , y para ello no es imprescindible tener una nómina, puesto que podríamos recibir nuestra fuente de ingresos procedente de una prestación por desempleo, o pensión.
Por lo tanto, aunque los préstamos sin nómina fija sean una realidad, tenemos que matizar que en cualquier caso necesitaremos acreditar ingresos regulares mensualmente.
¿Me concederán un préstamo personal si estoy en Credit Checker?
Claro que sí . Aunque en éste caso el abanico de opciones se reduce, ya que no todas las financieras están dispuestas a asumir el mismo nivel de riesgo. Pero siempre que se cumplan algunos requisitos, como que la deuda por la que se ingresó en Credit Checker no supere cierta cantidad o sea de origen bancario , hay entidades dispuestas a ser flexibles y estudiar estos casos individualmente.
Por tanto, la posibilidad de poder obtener un préstamo personal si estamos en Credit Checker existe, sólo hay que dar con la empresa que considere que nuestra situación ofrece garantías suficientes.
En el caso de estar incluido en ficheros de morosos como Credit Checker nos interesará visitar el listado de préstamos que aceptan Credit Checker
¿Cómo se hace la devolución de estos créditos?
Dependiendo de la modalidad de préstamo, la devolución puede realizarse en un sólo pago o mediante cuotas mes a mes.
Por lo general, al tratarse de préstamos personales de pequeña cuantía, los minicréditos tienen un plazo corto de devolución y se liquidan abonando al completo la cantidad prestada más los intereses y honorarios correspondientes. Los préstamos personales que implican mayores cantidades se conceden a más largo plazo y su devolución se realiza a través de cuotas mensuales .
En cuanto a los medios de pago para realizar la devolución, es muy común que se ofrezcan una variedad de opciones para los préstamos que se liquidan de una sola vez, mientras que los préstamos personales a largo plazo suelen devolverse por medio de cargo en la tarjeta de crédito o débito facilitada.
¿Cómo reembolsar los préstamos personales?
- Domiciliación bancaria,
- Transferencia bancaria,
- Pago con tarjeta,
- Pago en efectivo.
De cualquier modo, cada entidad establecerá sus propios métodos de pago según su propia política de pagos .
Respecto a la posibilidad de hacer una cancelación por pago anticipado del crédito debemos saber que la mayoría de entidades admiten esta posibilidad aunque tengamos que pagar un recargo maximum of 1% if there is more than one year left to repay the loan, or 0.5% if there is less than a year left.
Is an early repayment possible?
Personal loans admit the possibility of making a partial or total early repayment of the credit. Regarding the savings that may interest us most, we have the option of deciding if we prefer to reduce the monthly fee, or reduce the repayment period.
If we decide to reduce the amount of the installment month by month, we will be able to increase our ability to save and face payments more comfortably. Although in order to achieve total credit savings, it would be convenient for us to reduce the total repayment installments, to achieve an early loan cancellation.
The best alternative regarding the type of amortization that may interest you will depend on the personal circumstances of each of us.
What are the cheapest personal loans?
Although online loans have many advantages, it must be recognized that they are not the cheapest on the market. Compared to personal loans granted by banks, they have significantly higher interest rates, although there is a reason for this: the higher level of risk they assume.
The conditions are not so demanding and can even accommodate people who are vetoed by the banks for some kind of non-payment, and therefore, it is normal that they are more expensive loans.
However, even taking this fact into consideration, there are always very interesting offers. Remember that it is essential to pay attention to the Nominal Interest Rate (TIN), and based on the commissions or extra costs associated with your hiring, we can calculate the Annual Equivalent Rate (APR), which indicates the real cost of the credit.
In any case, the online loan sector is very dynamic, so the cheapest loans can change from time to time. If you really want to know which loans offer the best interests and conditions, remember that in Milcreditorapidos you will always find the most up-to-date and best-classified information to help you find the best loan for you.
Why are they rejecting my application?
When we request a personal loan and we receive a refusal from the entity, sometimes we are not clear about the reason for its rejection.
If this is our case, to clear up the misunderstanding it is always recommended to contact the company itself and ask why it has been denied.
Although the usual reasons are related to the lack of solvency on the part of the applicant, it is common for entities to deny applications due to errors in management due to lack of data or documents.
In any case, we can send the application to different entities to ensure that our application is studied by different companies at the same time, which increases our possibilities of obtaining the financing we need.
If I am not granted a personal loan, what other options do I have?
|The car pawn||Credit cards||Debt reunification|
Even in the cases in which the doors to any type of personal loan are closed to us, we have other options to get the credit we need. In fact, to get the financing we are looking for, we may not even have to do paperwork or change banks. And it is that many of the banking entities with which we have a relationship, can offer us pre- granted loans , with which we could benefit from appropriate conditions to our particular situation.
In the case of car pawning, the money is obtained by leaving an object of value as a guarantee of repayment of the loan, that is, by giving our vehicle as a guarantee of payment, with the option of continuing to use it. This type of financing will allow us to get from 1,000 to 80% of the appraised value of the vehicle regardless of whether we are in Credit Checker, or whether we are pensioners, unemployed or self-employed.
Debt reunification offers us a type of loan to unify all our loans in a single payment, which will allow us to enjoy a lower monthly payment even if the repayment term of the new loan increases. Asking for a debt reunification is an alternative when monthly expenses are greater than income.
Another financing alternative with which we can get up to 10,000 US dollars is credit cards . It is a banking product that can be easily granted and is accessible to everyone, with a great offer and promotions in the market.
Don't forget that ...
Even if an entity rejects our request, we can send new requests to other entities with more flexible policies, in which we could obtain the credit we need without inconvenience.
Advantages and disadvantages of personal loans
If you have not yet decided if the financing option that interests you the most is a personal loan or not, here we show you a series of advantages and disadvantages associated with its characteristics to help you make your decision.
Advantages of applying for personal loans:
- Personal loans grant amounts that allow financing purchases or high-cost projects,
- It also offers us the opportunity to postpone your return in comfortable installments,
- The great offer of personal loans that we can contract on the internet allows us to find competitive interest rates among the entities in the sector.
Disadvantages of personal loans:
- The banking entities that offer personal loans, may require us to contract some type of linked product, such as direct debit of a payroll, or contracting a debit or credit card,
- The rest of the inconveniences related to personal loans, as with any other type of loan, have to do with problems derived from non-payment of payments.
Personal loans are an appropriate means of financing to face the payment of purchases or reunification of debts that we could not otherwise assume.