Cash credits without payroll or endorsement

First mini-loan without fees or interest 😊

Through Contante you can get loans without payroll or endorsement and also if it is your first advance with them you can get free .

Cash mini-loans up to 1000 euros with no endorsement
Index of contents

What is Contante and why choose it?

Contante offers quick and easy loans , which we can also call payroll advances because of the way they work . Its purpose is to help the user in those moments in which some small unforeseen expense arises before collecting their payroll or any other stable source of income that it demonstrates. For this purpose, the company urges to select the repayment term until the day of collection of the salary or other income, and that this fee is not greater than 40% of the proven recurring income.

Contante stands out above all for its speed and simplicity in the application process . It is aimed at clients with demonstrable income (payroll, pension, benefit, income), who are over 21 years of age and who have an unforeseen expense whose monthly income cannot be covered at that time.

Contante demonstrates all the conditions of its financial products from the beginning. It does not hide at any time that it is a form of financing only suitable for special situations that require urgent money.

Contante puts all the cards on the table from the first moment . It is difficult to say that we do not know the specific conditions of each loan before requesting it, because its website shows clear, reliable and detailed information with little room for doubts or misinterpretations.

Conditions of Contante mini-credits

The quick mini-credits provided by the Contante company to return in a period of 1 to 30 days and with amounts of 50 to 1,000 euros. The main objective of this company is to grant its financial product to people over 21 years of age, with stable, demonstrable income of some kind, residence in New Jersey and their own bank account with an associated card.

Contante offers for its first clients online mini-credits of up to 300 euros without charging interest , and to return within a maximum period of 30 days. This is with the idea that you can pay the credit once you collect your salary. For clients who have already returned their first loan, the next contract can reach 1000 euros and with very good conditions, since they have demonstrated your reliability.

What stands out the most in Contante's products is undoubtedly the offer of the first free mini-credit at 0% interest , intended for new clients. But it also counts, as we will see in more detail in this article, with the possibility of extension, early repayment and the possibility of automatic payment.

The money may be available in your bank account within 15 minutes, depending on whether your bank is one of the banks that Contante works with, up to 24 hours otherwise. The request can be made 100% online and even through a phone call. As we have said before, it will always be necessary to demonstrate a stable income or present a payroll to get the Contante mini-loan.

Finally, note that you can use Instantor to validate your data more quickly .

Constant Requirements

In order to request an advance with Contante, you will need to meet a series of requirements:

  • Be over 21 and under 60
  • Be in possession of a valid DNI or NIE
  • Have a bank account of which you are a holder with an associated card
  • Have a mobile phone and email
  • Have stable recurring income that can be through payroll, pension, benefit, income or others
  • New Jersey residency
  • No need for payroll or endorsement
  • You cannot be in delinquent records such as ASNEF, RAI or EQUIFAX

Example and simulation of cash credit

Before making the request, you can simulate the loan from the Contante website at no cost, you will obtain total, clear and concise information on the cost of the credit: interest, commissions, cancellation, etc.

For the example of a first credit of 300 euros, the amount to be returned will be 300 euros since the first credit is free, without commissions or interest and at 0% APR.

How to apply for a Contante loan?

To get a loan with Contante you must follow these simple steps:

  1. The first thing is that you must meet their requirements
  2. Select amount and term in your simulator and if you agree with the cost of the operation, click on "Request now"
  3. Complete the form that appears below with your basic personal information, and your bank account number where the money will be deposited. Many of these data must be supported with documents that prove them, such as income and bank account. Once the form is completed you send it.
  4. Contante will analyze your request and in a few minutes you will have an answer . If it is approved, you will receive an SMS on your mobile phone, you must respond with "OK" or "I accept" to finalize the credit contracting process.
  5. In a maximum of 2 hours you have the deposit in your account .
Apply for credit in Cash

Your request can be denied for many reasons, if you do not meet the requirements, but in about 3 weeks you can try again.

Contante also offers us the possibility of having the money more quickly and by ATM using the HalCash system.

HalCash is an innovative financial service through which you can receive the money from your Contante loan on your mobile and from there transfer it to an ATM to be able to have the cash immediately. They provide service 24 hours a day, 7 days a week. To use the service, you do not have to be a customer of any particular bank, since the money will be withdrawn from an ATM that is attached to the HalCash system, in New Jersey there are more than 12,000 ATMs distributed throughout the territory.

How to repay the loan online?

When it comes to repaying the online loan from Contante, they make it very easy for us, we just have to worry about having enough money in our account or on our credit card.

Arrived on the agreed day for the payment of the credit, a charge will be made on our credit card. In any case, we always have the possibility of making a bank transfer before the charge date arrives.

If when the day of payment approaches, something unforeseen arises, and we see that we will not be able to face the charge on account, we must contact Contante and present the situation to negotiate possible solutions. The most feasible possibility is to request an extension on the credit, it will give us time to get the money at a very low cost .

You must request an extension because you must bear in mind that you will be charged 20 Euros for each day of delay plus 1% interest on the amount owed. But it is negotiable, this is in the event that you delay without requesting the extension.

We can also pay the loan in advance if we have the necessary money, with which we will get it cheaper . Almost all lending companies provide the possibility of early repayment, but not all offer a reduction in the cost of credit if we do so.

Contante Advantages

  • Your money in 15 minutes without working with the same bank
  • You can get the money without payroll or endorsement

Disadvantages of Contante

  • You need proof of stable income

Contact details Contante

Below we detail different ways to contact Contante:

  • Contante's customer service is Monday to Friday from 9:30 a.m. to 6:30 p.m.
  • Email:
  • Phones: 912 171 973 and 678 670 670
  • Live chat from your website
  • Constant Address: Barcelona (08006), calle Tuset, 32, 3º and registered in the commercial register of Barcelona

Constant visitor rating 4.7 / 5 of 23 votes.