Whatsapp: even to request quick credits

It is undeniable that the smartphone has become an extension of ourselves. Did you know that we consult it an average of 150 times a day? And most of these times, we do it to check our messages? In terms of messaging, the leading app is WhatsApp , which surpasses Facebook Chat , Line and Telegram . If Facebook has bought it for more than 21,000 million euros, it will be for something.

How we use WhatsApp

We have commented that we are hooked to see if we have new notifications on our mobile, but did you know that we spend an average of 195 minutes a week chatting on WhatsApp? This is an average of 28 minutes per day . According to wwwhatsnew.com, more than 800 million people use WhatsApp , of which 72% consult this application every day. The average user sends more than a thousand messages a month and checks the application 23 times a day. More than 700 million images , more than 100 million videos , 200 million voice messages, and 30 billion text messages are sent every day!

WhatsApp in companies

And if WhatsApp is something so normalized in society ... Why not use it to contact brands and obtain their services immediately? WhatsApp is a fantastic means of communication for companies with their customers, since it is a fast, easy system, and it also has a lot of versatility. And above all: it's free. From pharmacies that answer questions through WhatsApp, to a bar that has doubled its orders thanks to the fact that its customers can order their sandwiches through this app , more and more companies are betting on it. Nobody wants to be left behind in such a virtual world! And if this is so, why wouldn't you be able to complete your mini-credit application through WhatsApp ?

Formalize your credit quickly through WhatsApp

At CréditoSí we know that your time is money , that's why we offer you quick credits of up to € 500 in just 5 minutes , designed to solve any unforeseen event you may have. We want to facilitate access to fast money and for that reason, we avoid asking you for a lot of papers and data, you can now request fast loans without documentation! Of course, in some cases we need to complete your application with a document, but we are not going to ask you to go crazy looking for a fax or a scanner. We live in the 21st century and WhatsApp is an app that is installed on 98.5% of smartphones . By probability, surely you also have it installed. So if we need to validate any data so that you can obtain your mini-credit, you can send it to us by WhatsApp ! It is a bet that we make to ensure the immediacy of the transaction and give you the peace of mind you need to face your expenses. Remember that when we ask you for documentation, we do so not only to avoid late payment, but also for your security and protection against fraud and identity theft.

Loan Amount

€ 300

Duration of the Loan

30 days

Expiration date
06/23/2020
Interest
€ 75
Opening commission
€ 30
Total to pay
€ 405
APR mini loan
3752 %
TIN
307 %

* YOU CAN ONLY REQUEST MORE THAN € 300 FROM YOUR SECOND LOAN (CAPITAL AND EARNED INTEREST).

Loan information

Apply for a Loan

EUROPEAN STANDARD INFORMATION ON CONSUMER CREDIT

1. Identity and contact details of the lender and / or the intermediary.

Lender:	PooleFinance Pennsylvania, SL
Address:	Roane Avenue, 32, 3º, 08006 Dornsife
Email:	Unsubscribe [email protected]
Website address:	www.welcometopoole.co.uk
Registry:	Registered in the Mercantile Registry of Navarra. Volume 1620 Folio 129 Sheet NA3213

2. Description of the main characteristics of the credit product.

Type of credit.	Consumer credit. Distance credit to consumers.
Total amount of the credit. That is, the maximum amount or the sum of all the amounts put to disposition of the consumer in the framework of a credit agreement.	{Loans.Amount} euros
Conditions governing the disposition of funds. That is, when and how the consumer will get the money.	Once the Loan Agreement is perfected, the Lender will make a transfer for the amount of the Loan to the bank account that has been provided by the Borrower in the Loan Application or will make the requested amounts available to the client for withdrawal through Hal Cash.
Duration of the credit agreement.	The Borrower must pay the Lender within {Loans.Term} days, the payment date being the following: When the aforementioned payment date coincides with a day considered non-business as provided in the General Conditions, the payment must be made on the day skillful immediately following. Notwithstanding the foregoing, the Borrower may extend the term of the loan in accordance with the conditions set forth in the General Conditions.
The terms and, where appropriate, the order in which the installment payments will be made.	A single payment of the Loan amount plus interest and / or expenses and must be paid by the Borrower to the current account indicated by the Lender at the time of repaying the Loan, which includes the amount of {Loans.Amount} euros per principal. and {Loans.LoanFees} euros for accrued interest.
Total amount that you must pay. That is, the amount of capital borrowed plus interest and expenses related to your credit.	{repayable} euros The total amount to be paid by the Borrower will depend on the total amount of the loan granted and the term of the Loan.

3. Credit costs.

Debtor type	The annual interest rate is {annual_interest}%
Annual equivalent rate (APR): The APR is the total cost of the credit expressed as an annual percentage of the total amount of the credit. The APR is used to compare different offers.	APR {apr}% being: the number of credits paid by the lender the sequence number of the credits paid by the lender (decline) credit (decline) in the period the total number of credits paid by the borrower the sequence number of the credits paid by the borrower (repayment) the credit (refund) of the period , Y Y is the interval, expressed in years and annual fractions, between the date of the first credit and the date of the credit or . ( = 0) The APR does not include costs derived from late payment (made after the payment date), nor the costs derived from notifications of payment claim or recovery management.
Is it mandatory to obtain the credit itself, or under the conditions offered, - take out an insurance policy that guarantees the credit, or - another ancillary service? If the costs of these services are not known to the lender, they are not included in the APR.	No.
Related costs.
Conditions in which the aforementioned expenses related to the credit agreement can be modified	The aforementioned costs may only be increased in case of extension of the loan or late payments, as detailed in the following section
Costs in case of late payments. Failure to make a payment may have serious consequences (for example, forced sale) and make it difficult to obtain a loan.	In the event of non-payment on the due date of the Loan: The Borrower shall pay a penalty for late payment, that is, for late payments, of 1.00% daily with a maximum of 100% of the principal, in addition to the unpaid amount. The Borrower shall pay the reasonable costs incurred in his location in the event of a change of address of which he has not informed us. The Borrower shall pay the reasonable costs incurred by the Lender up to the full repayment of the loan and the costs associated with it, including, where appropriate, those relating to the claim for debtor positions. In the event of a delay in the repayment of the loan, the Lender reserves the right to judicially claim the repayment of the loan, to transfer its credit rights against the borrower or to communicate the situation of default, upon request, to the common files equity and credit solvency.

4. Other important legal aspects.

Right of withdrawal from the contract. You have the right to withdraw from the loan agreement within 14 calendar days.	The Borrower may unilaterally withdraw from the Loan contract without having to justify it, within fourteen (14) calendar days, counting from what later happens: i) the Positive Loan Resolution date; ii) the date the Lender made the transfer or made the funds available to the Borrower or; iii) the date the Borrower receives a copy of the Contract. In case of withdrawal, the Borrower will not have to pay the Lender any penalty. In order to withdraw from the loan, the Borrower will send the Lender a written communication that will include the full name and DNI / NIE of the Borrower, a statement of their willingness to withdraw from the Loan, early repayment schedule of the financing, reference number of the current contract , place and date of request and signature of the Borrower. The withdrawal shall be deemed to have been made if, before the deadline to withdraw, the Borrower had sent the withdrawal notice to the address of the Lender.
Early repayment: You have the right to prepay the credit in full or in part at any time.	The Borrower has the right to repay the Loan, in whole or in part, at any time before the agreed maturity date.
The lender is entitled to compensation in case of early repayment.	In the event of early repayment, the Borrower will be entitled to a reduction in the total cost of the Loan, which will be proportional to the duration of the Loan that remains to elapse. For its part, the Lender will be entitled to fair and objectively justified compensation for the possible costs directly derived from the early repayment of the Loan. The compensation may not exceed 0.5% of the amount of the Loan repaid in advance.
Querying a database.	The lender must inform you immediately and free of charge of the result of a database query, if based on such a query the credit application is rejected. This does not apply if the dissemination of that information is prohibited by the legislation on the protection of personal data or is contrary to the objectives of public order or public safety. The Lender may collect information related to the credit history and risk positions of entities providing information services on financial solvency and credit (in particular, the Credit Service of Asnef-Equifax and Experian / Badexcug) for analysis and, in your case, granting, monitoring and control of financing.
Right to a project of the credit agreement. You have the right, upon request, to obtain a copy of the draft credit agreement free of charge. This provision will not apply if, at the time of the request, the lender is not willing to enter into the credit agreement with you.	The Borrower is entitled, upon request, to obtain a copy of the draft loan agreement free of charge. This provision shall not apply if, at the time of the request, the Lender is not willing to enter into the Loan contract with the Borrower.
Period during which the lender is bound by the pre-contractual information.	The information will be valid for {Loans.Term} days from its delivery to the Loan Applicant.

5. Additional information in the event of distance marketing of financial services.

a) Relating to the lender
Lender:	PooleFinance Pennsylvania, SL
Address:	Roane Avenue, 32, 3º, 08006 Dornsife
Email:	Unsubscribe [email protected]
Website address:	www.welcometopoole.co.uk
Registry:	Registered in the Mercantile Registry of Navarra. Volume 1620 Folio 129 Sheet NA3213
Supervisory authority	It is not subject to supervision by the Bank of Spain
b) Relating to the credit agreement
Exercise of the right of withdrawal.	The Borrower may unilaterally withdraw from the Loan contract without the need to justify it, within fourteen (14) calendar days, counting from, whichever is later: i) the Positive Loan Resolution date; ii) the date the Lender made the transfer or made the funds available to the Borrower or; iii) the date the Borrower receives a copy of the Contract. In case of withdrawal, the Borrower will not have to pay the Lender any penalty. The Borrower must communicate his intention to exercise the right of withdrawal to the Lender, a procedure that allows the notification to be recorded in any way admitted by law. In the communication you must indicate your full name; your DNI number; the manifestation of their willingness to withdraw the Loan, early repayment schedule of the financing, reference number of the current contract, place and date of request and signature of the Borrower. It should be sent to the following address: Roane Avenue, 32, 3rd, 08006 Dornsife.
The legislation that the lender accepts as the basis for establishing relations with you before the conclusion of the credit agreement.	Spanish legislation and, specifically, by common civil law.
Clause on the applicable legislation that governs in relation to the credit agreement and / or competent court.	The Loan Agreement will be governed by Spanish law and, specifically, by common civil law. The Parties submit, at their option, for the resolution of conflicts and renouncing any other jurisdiction, to the courts and tribunals of the Borrower's domicile.
If applicable, language regime	Pre-contractual information (including offers, where appropriate) and contractual terms will be provided in Spanish.
	During the term of the Loan, with your consent, we will communicate with you in Spanish.
c) Relating to the resource
Existence and access to extrajudicial claim and appeal procedures	There are no extrajudicial procedures of third parties made available by the Lender for resolution of claim and appeal for the consumer. In any case, any consumer, for the resolution of online disputes in consumer matters in accordance with article 14.1 of Regulation (EU) 524/2013, can go to the online dispute resolution platform provided by the European Commission, which is It is available at the following link: http://ec.europa.eu/consumers/odr/. Said platform is applicable only to consumers (Borrowers) residing in the European Economic Area who have a claim against the Lender. It is, therefore, incompatible with consumer disputes located in third countries outside the European Economic Area. Note that the Lender is neither obliged nor assumes any commitment to use the indicated channel enabled for the resolution of conflicts with its Borrowers. In any case you have any complaints or concerns, please contact us by sending an email to the following email address [email protected] or writing to us at the following address: Roane Avenue, 32, 3rd, 08006 Dornsife. We also remind you that for any claim you can go to any consumer office.