Twinero, credits without payroll or endorsement

Advantages of Twinero credits

You can apply for loans online even if you are in ASNEF or RAI as long as the amount of the debt does not exceed 2000 euros and it is not with a financial institution.

Twinero offers great discounts to clients who have repaid their mini-loans with Twinero within the established period and without problems.

7 days after the return of your first loan, you can request up to 600 euros and take advantage of their offers .

How much money can I ask Twinero?

The amount that you can request through Twinero credits increases with each loan that you return on time and without problems.

1. First credit 300 euros
2. Second credit 450 euros
3. Third loan and subsequent 600 euros

In any case, the company carries out a personalized study of its clients, and sometimes the maximum amounts may be lower than those shown here .

How do I request a mini-credit in Twinero?

Requesting Twinero fast loans is very easy , as with almost all online companies you only need to visit their website and perform the following steps:

1. Select Amount and return period : You can request up to 600 euros (300 if you are a new customer) and a maximum period of 30 days.
2. Fill in the application form : In this form you will be asked for your personal and bank details. There are few data and you will complete it in less than 3 minutes.
3. Identity verification : Once the form is sent, you will have to verify that it is your data. It can be through Instantor (To verify your bank details), or you can send the documentation that Twinero will request via email (Bank receipt and ID).
4. Client Area : Once your identity is confirmed, you receive an email with your access data to your Twinero client area , with which you can log in to your private Twinero area to manage your immediate credits .
5. Approval : If your application is approved you will receive an SMS from Twinero informing you that your credit has been granted. Where the amount and term of the personal loan will be detailed. You must respond with the word I ACCEPT, and you receive the money in your account in less than 15 minutes.

A great advantage of Twinero is that once you are a client, the procedures for subsequent Twinero loans are greatly simplified. Just by sending an email with the amount, term and your ID, you will be granted the next credit, and you will have the money in a few minutes.

Remember that you can only request another new Twinero credit to finance yourself, once you have satisfactorily returned the previous one.

Twinero credit discounts

Twinero offers its clients discounts for each credit you request , once you have returned the previous one within the agreed period.

• 15% when returning your first loan of 300 euros.
• 20% when returning the second credit of 450 euros.
• 25% when you have returned a mini-loan of 600 euros.

As you can see, the more money you order, the greater the discount . You have to take advantage of these offers to finance yourself, since you will save a lot of money in interest and commissions.

What requirements do Twinero loans have?

Twinero's requirements are similar to those of other companies in the sector:

• You must be between 21 and 70 years old
• New Jersey residency
• Periodic income that you can demonstrate (It does not have to be payroll)
• Twinero accepts ASNEF with a debt of less than 2,000 euros
• Have a landline or mobile phone
• You must be the owner of a bank account in a Spanish entity

How do I repay my Twinero loan?

We can make the return of our Twinero credit in one of the following ways:

• By Bank transfer
• Making a cash deposit
• Paying with a credit or debit card.

The amount to be returned will be that stipulated in the contract and will count against the total amount of the credit plus the established fees.

If you do not remember the exact amount to be returned, you can visit your Twinero personal area and consult it.

We can always request an extension if we fail to pay our credit on time.

Delays and extensions with Twinero

If you cannot afford to pay your credit with Twinero, you can request an extension .

Twinero offers you to defer payments for 7, 14 or 30 days .

The cost of the extension depends directly on the amount of the loan and the days you need to defer the loan payment.

When you make the entry of the extension, you must indicate "Extension" plus your ID.

When you cannot face the charge of the amount of your credit in the agreed time, you will be obliged to pay a series of commissions:

1. Penalty : it consists of 1% daily interest on the amount of the loan, it can never exceed 100% of the initial amount plus commissions.
2. Management fees : maximum of 7.50 euros for each payment reminder (maximum 3).

If with all this, you still have not made the payment of your credit, Twinero may transfer your data to delinquency files such as ASNEF or RAI.

You can return your Twinero credit early

Twinero offers you the possibility of canceling your credit in advance , as long as half of the term has passed.

You will be charged 0.5% of the initial amount for early return.

Twinero contact information

You can contact Twinero in several ways:

• Twinero free phone : 935 47 58 88
• Email : info@twinero.es
• Address : Twinero (NIFB98378201) Paseo de Gracia 53. 1ºA. CP 08007. Barcelona.

Twinero bank accounts

• Bankia : ES98 2038 9261 9960 0025 3613
• La Caixa : ES68 2100 0844 2402 0065 7804
• ING Bank : ES78 1465 0120 3919 0021 4751
• Banco Sabadell : ES25 0081 5029 1400 0245 7055

If your bank account is managed in one of these banks that Twinero works with, your money will be ready in 15 minutes after credit approval.