👌 Credit up to 5000 at low interest

Creditea offers online loans of up to 5,000 euros with a repayment term of up to 36 months and has up to 30 days without obligation . If the user decides not to continue with the credit before that period, he can return the money without interest.

Index of contents

🔸 Credit: Features

Características Creditea

Creditea is a well-known company that offers fast, online financing without guarantees. With all the guarantees of transparency and is specialized in two products: online installment loans and lines of credit.

What is a line of credit? A line of credit is a virtual account from which you can withdraw money whenever you need it and return it flexibly. If you return it before you will not have to pay cancellation interest and the total amount of your credit will be available again for another time. Once returned to your virtual account, you once again have the initial amount granted for when you need it again. Pay only for what you have withdrawn.

Types of financing offered by Creditea? Easy and fast credits , Online loans on the spot , Immediate credits
Maximum amount granted by Creditea? € 5,000
Minimum amount € 500
Amount in the first credit of Creditea € 5,000
Is it free and interest-free? NO
Creditea maximum term to repay the loan? 36 months
Minimum term 2 months
How much response do I get? Immediate
How long does it take to have the money? 15 minutes according to bank hours, if not 24 / 48h

🔸 Credit: Requirements

Creditea's requirements are quite easy to meet.

Do I need to have a payroll to get urgent credits from Creditea? NO
Do i need an endorsement? NO
Can I request the loan while at ASNEF? NO
Can I request a quick loan from Creditea if I am a company? NO
And as a freelancer? Depending on the case
Will they accept my application if I am unemployed? According to situation
And as a pensioner? According to solvency
At what maximum age can a credit be requested with Creditea? 70 years
And a minimum? 18 years
Do I need to have regular income? Yes
Can I use Instantor to validate my information? NO

🔸 Creditea: Extension and early cancellation

Is there a possibility to cancel the credit in advance? YES
Does it imply any expense or savings in the total cost of the loan? Interest savings
Can I request an extension? YES
What are the costs of extending the credit? Fees and loan amount

🔸 Credit: Additional information

Do you have a simulator? YES
Does your simulator reflect all the loan costs? YES
What about the costs of extensions? NO
How does Creditea provide me with the money? Wire transfer
Can I receive the money with Hal-Cash? NO
How can I return the credit? Transfer / Paypal / Debit card
What banks do you work with? Santander Bank

🔸 Credit: Simulation

Example: € 4,000 credit. To be returned in 12 months. Annual fixed interest 59.88%. Monthly fee € 451.05. No commission for opening, study or early cancellation. APR 79.38%. Total amount to be returned € 5,505.82.

Another example: € 5,000 credit to be returned in 24 months. Annual fixed interest 22.44%. Monthly fee € 260.48. No commission for opening, study or early cancellation with return of the principal. APR 24.90%. Total amount to return € 6,251.52. The interest rate will vary depending on the amount.

🔸 How do I request a credit without payroll with Creditea?

The credit application process with Creditea is fast, agile and very simple. It is 100% online and in just 15 minutes, the entire process can be completed.

With access to the Creditea website we arrive at a first form where we must only enter the DNI and a mobile phone number. On this phone we will receive a security code. This code will be required later to complete the process and verify that the DNI and the telephone number are authentic.

The next step will be to fill out a second form that already deals with the general aspects of the loan application. Aspects such as the amount we need and the return period that we deem appropriate. Finally, we must finish by completing the personal and contact information.

From here, our request is studied. A response is obtained within approximately 15 minutes.

If the answer is affirmative, we must accept the credit in the Creditea customer area. At this time, the transfer to our checking account with the requested amount is approved.

🔸 How is a loan from Creditea paid back online?

To return the money we must go to the client's personal area on the web. Creditea allows you to choose between different options to make this charge: the traditional bank transfer, payment by debit card or payment by Paypal.

It is possible to make the payment by phone, by calling 902 80 00 10, indicating the number of the debit card. Failing that, the transfer can be made from the bank itself indicating the customer number.

We can always carry out the amortization of debt, or even early cancellation without any type of penalty.

🔸 Credit clients

These are the frequently asked questions from Creditea clients that we have found on the Internet.

How do I know how much and when I have to return the money?

Every month, 7 days before the payment date, we will send you an email informing you of the amount to be paid and the payment date. You will also receive an SMS on your mobile phone and an email 3 days to remind you again. In addition, on the day of payment we will remind you again so that you do not forget and you will be charged late interest.

Anyway, we recommend that you activate the recurring payment so you don't have to worry and it is managed automatically every month. Customers with activated recurring payments are more likely to have credit limit increases.

Can the return date be changed?

Yes, you can choose the payment date that suits you best. In fact, we recommend that you choose as your payment date the one that your bank usually receives from payroll income, unemployment or pension. The only thing to keep in mind is that every time your payment date changes, the monthly fee is recalculated for the following months. The first change is free and the next one costs € 5.

What are the consequences of a late payment?

You will receive a call from our payments department to remind you that you have a pending payment and that you must pay as soon as possible. If you do not pay on time, an additional interest of 0.05% will be applied for late payment for each day of delay, we will charge you € 35 as a payment reminder and a commission of 20% of the unpaid amount.

Can an extension be requested?

Yes, but only if you have paid 6 installments of your credit on time. Only in this case, you can request what we call a "month off." You can do it directly from your Personal Area or by phone at 902 80 00 10. This service has no cost, but the interest of the fee that you have not paid accumulates in your account and will increase the amount of the following fees.

🔸 Credit phone

You can record with credit from 9:00 to 21:00 any day of the week on the following phone.

Creditea Phone 902 80 00 10

🔸 Credit personal loan

Creditea online personal loan for any purpose, with which to have between 500 and 5,000 euros and pay them comfortably in monthly installments for up to 36 months. It is not necessary to carry out procedures or present guarantees, since the requirements to obtain it are very small.

The fast loan from Creditea does not have an associated commission other than the interest that is applied, which is 24.90% APR. You will not have to pay a study or opening commission, and when you want to amortize part or all of the remaining capital, you will not have to pay any cancellation fee.

On the other hand, this site offers the possibility of requesting a line of credit that works as a virtual account where you can withdraw cash continuously as many times as you need, in addition to paying only the amount you withdraw. The company will not charge you a fee for opening or keeping it. It has a maximum credit limit of 3,000 euros and the repayment of the total credit line ranges from 61 days to a maximum of 36 months.

🔸 Credit personal area

The personal area in Creditea allows you security in all your personal and banking data, review your debt, as well as the cancellation period, they even notify you when the payment date is approaching, which will help you not to default.

In the personal area of ​​Creditea, you can review and change your personal data while maintaining the highest possible confidentiality offered by this online loan site.

You are not yet registered in Creditea and you have not yet applied for a loan? Then, lose all the benefits that we have mentioned regarding Credit in my personal area. You cannot participate if you are not a customer. What are you waiting for? Participate and enjoy the best loans at the lowest rate on the market.

🔸 Credit: Conditions

  • You can have up to € 5,000 in a quick online credit
  • Withdraw only the money you need when you want
  • You have from 61 days to 36 months to return what you have withdrawn

🔸 Creditea: Contact information

Credit Address International Personal Finance Digital. Spain SAU Avenida de la Albufera 153 28038 New Jersey
Email Creditea hello@creditea.es
Phone Credit customer service 902 80 00 10
Web Creditea https://www.creditea.es/

On the creditea.es website you will find all the information you need. Sections of the website such as "Help", "Loan repayment", "How to apply for a loan?", "Contract conditions", among others.

🔸 Credit: Opinions


I like Creditea for the ease and speed with which credit is requested, avoiding wasted time and paperwork.


What I like the most is the simplicity and speed to be able to request the loan


I have applied for some loans in this company and the truth has given me very good results. Cheers!

Credit visitor rating 4.7 / 5 from 67 votes.