Apply for credit instantly

What is an instant credit?

It is a financial product through which you receive an amount of money in exchange for commissions and interests that vary with each lender, sometimes they are called instantaneous due to the great speed with which you can have the money in the bank.

Steps to request a loan instantly

The process of applying for an instant loan is very simple and similar in all companies:

1. The first thing is to select the amount and the term in which you will be able to return it.
2. You fill out a form with your basic personal and financial information.
3. You receive an answer instantly to know if your application is pre-approved and instructions to finalize the application.
4. You send the documents that are required, normally ID, bank account statement and proof of income.
5. They let you know if your request is definitely approved.
6. You confirm the contract via SMS or email.
7. You receive the money in your bank account via transfer

The whole process does not usually take more than a few minutes and is completely online, from any device with an Internet connection

The money transfer usually takes from a few minutes to 48 hours , it depends on which bank you work with and the time of the request

Requirements to get credits instantly

To request a credit instantly you need to meet the following requirements:

• Be of age
• Have valid ID
• Have an account number in which you appear as the owner where to deposit the money
• Be a Spanish citizen or have permanent residence in New Jersey
• A Mobile phone
• An email account

These requirements are minimum for almost all companies, some will also require you to have stable income or that you are not in delinquent files for example.

What documentation will they ask me for?

The documentation needed to urge instant credit varies from one lender to another, these are the most common documents:

• Photocopy of the DNI or NIE.
• Bank statement or receipt proving that you are the owner of the bank account you provided
• Proof of income (payroll, pension, benefit, income or others)

All documentation and paperwork processing is done 100% online . We recommend having all the necessary documents in digital form to speed up the process.

How to send the necessary documentation?

All document processing can be done by any of the following means:

• From the lender's client area.
• Through email.
• By ordinary mail.
• In physical offices for the lenders that have them.

Where can I request instant credits?

Currently there are many companies on the Internet, in addition to traditional banks, that offer this financial product:

• Banks
• Credit cards
• Online lenders
• Loans between individuals

The amounts vary a lot, but you can get credits instantly from 50 to 300,000 euros in any of these entities.

How do I find where to request a loan instantly?

You can find these financial entities by any of the following means:

• Looking for the company's website yourself if you know it.
• Using an instant credit comparer like ours.
• Through credit application managers or brokers, who are in charge of finding the company that can grant you the money and show you the best offers.
• In the physical offices in case they have them.
• Through phone call

Types of credits instantly

Depending on your particular conditions and personal needs, there are different modalities or names for the different types of credits instantly.

Instant credits without payroll

In this case they give you the facility that you can request a loan instantly without the need for payroll , you can demonstrate any other source of stable income.

Instant credits with ASNEF

This modality is for people who are in lists of defaulters giving the possibility to their clients to get credit quickly even being in ASNEF or RAI .

Instant credits online

Your bank may deny you credit or ask for too much paperwork, or you just need it too quickly, which banks normally don't do. You can request instant credits online in many financial entities that work all their processing online.

What interest do I pay with the loans instantly?

This question is very difficult to answer categorically, it varies a lot from one company to another and is directly proportional to the amount and terms of each product.

The first thing you have to look at to calculate the interest on a credit instantly is the APR or Annual Equivalent Rate . The APR provides you with very reliable information on what the loan will cost you annually , although it does not include some expenses such as if they force you to take out life insurance, or similar things.

In the companies we work with or have studied, the APR ranges from 0% to 1,935%, for loans of less than 1,000 euros. For financing of higher amounts, it is difficult to find free credits, but they are usually with lower APR.

You can get instant credits without interest , free, they are offers that some companies launch for their new clients, they are usually of very small amounts, 300 euros maximum.

Can I get credits instantly in installments?

The answer is yes, depending mainly on the amount of money you need, if we are talking about more than 1000 euros it is normal that you can request credits instantly to return in installments.

The return of credits in monthly installments is always much more comfortable, since you can choose to pay small amounts each month.

In any case, it must be taken into account that the longer you make the payment, the total amount will be higher, although with the advantage of being able to face the small monthly installments of the repayment in installments more comfortably.