Quick mini-credits myths and truths
Quick mini-credits, what's behind what they tell?
The proliferation of fast mini-credits as an ideal financial product to alleviate our most immediate economic needs has unleashed a series of myths that feed on word of mouth and misinformation. From CréditoSí we are going to make an effort to clarify certain controversial aspects about fast mini-credits in Spain , their myths and truths.
- Mini - credits without paperwork . True. The bureaucracy to which a consumer who requests a quick mini-credit through a fintech is exposed is minimal, if he also does it from Credit Yes, he will only have to access our website from a mobile device or computer, select the amount he needs And when you want to return it, fill in the request form in a matter of minutes and you are ready to receive the money! No papers, no documentation, no travel .
- I have to register as a client . False. At Welcome to Poole, as in most finance companies dedicated to granting fast microcredits, it is not necessary to register or ratify any contractual relationship that requires the user to contract additional services. You simply request the economic amount you need and your obligations to the financial company end the moment you make the refund of the amount.
- I need to have a payroll . False. The requirements are, in the case of CréditoSí, to be over 21 years old, permanent address in Spain, valid identity document, telephone number, email or other means of remote communication and bank account. You can consult the conditions of access to fast credit in more detail in the terms and conditions section of our website.
- There is no solvency study . False too. Although the requirements to access the fast mini-credit are minimal, most fintech lenders carry out a quick solvency study to verify the ability to repay the amount requested (income, age, previous experience, information on equity solvency files and credit, etc.). In CréditoSí, this process does not take us more than 15 minutes.
- I cannot extend the return period . False. In CreditYes, you can make an extension paying only for the extra days, in the case of fast mini-credits.
- The conditions of the mini-credits are not transparent . False. If online finance companies like CréditoSí are characterized by something, it is because of the enormous effort made to guarantee the transparency of their services in favor of responsible financing. In fact, on our website you will find detailed information about the conditions of the loan, the exact amount of interest depending on the mini-loan chosen, etc., so that you have all the relevant data in your possession before requesting your credit.
Those of us who are part of the Spanish Association of Microloans (AEMIP), follow to the letter an ethical code that obliges us to pay special attention to chapters such as the protection of consumer data, the rapid and effective response to claims and a long etcetera collected in our deontological rules .
As you can see, you should not trust the myths, most of them are false. If you have any questions regarding the rights and obligations involved in applying for a fast mini-loan, it is best to get in touch with the chosen lender. At CréditoSí we will solve your doubts instantly and inform you of the main advantages of applying for a quick mini-credit with us.