Quick credits

Fast Online Credits without paperwork

Fast online credits: finance your dreams without paperwork

Never before has getting quick credits been so easy. Thanks to the appearance of the so-called fintech, highly technological financial services companies , obtaining financing in a safe, reliable and practically immediate way is within the reach of most Spanish consumers.

A good example can be found on the website of fast credits CréditoSí , it is enough to have internet access from a computer or mobile device to request the desired amount and have it in your bank account in less than 24 hours. The bureaucracy is reduced to a minimum, since it is an operation without paperwork or travel , and the conditions of access to credit are very affordable. We tell you.

What you should know before applying for a fast credit online

Each lender establishes the requirements that the fast credit applicant must meet, although as a general rule, in the case of fintech, the requirements are minimal , which does not mean that the financial institution in question does not carry out a very rapid solvency study to verify the ability to repay the amount requested (income, age, previous experience, information on financial and credit solvency files, etc.).

In the case of CréditoSí, the loan applicant must be a natural person over 21 years of age, with a permanent address in Spain, valid identity document, telephone number, email or other remote means of communication and bank account. Simple, right? Obviously, you must be willing to repay the loan within the chosen term, which in the case of fast loans usually goes from 24 hours to 30 days. You can consult the conditions of access to fast credit in more detail in the terms and conditions section of our website.

According to a recent study, currently 90% of applications for fast online loans are approved in Spain, with the majority of the applicants being salaried people between 23 and 41 years old, data that shows not only the great accessibility of this type of financial products , but their effectiveness in meeting the economic needs of a large part of the population.

A fintech for when you need it most

Fast, efficient and transparent, these are the greatest qualities of a service that wants to grant you fast loans in an automated way and as soon as possible , without commissions or added expenses beyond the interest generated by the loan itself. And it is that, fast online credits are designed to provide short and medium term solutions quickly and efficiently , that is, to throw a cable to the consumer when he needs it most: in the face of an unforeseen medical, to finance a small vacation, the purchase of a vehicle…, hence the amounts to be loaned normally range between 50 and 1,000 euros.

In CréditoSí, you can request a maximum of b 300 euros for the first time and 1,000 euros on subsequent occasions.

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

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EUROPEAN STANDARD INFORMATION ON CONSUMER CREDIT

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

Lender: PooleFinance Pennsylvania, SL
Direction: 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
Direction: 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 by 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.

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